As for the adjustment method of temporary credit line, you can use telephone voice, online banking and SMS (the landlord uses the mobile phone number reserved in his home system, and edits the SMS "Credit line to be adjusted in the last four digits of CCTE# card number" as 95533. For example, the landlord now has a fixed quota of 10000 yuan and wants to adjust it to a temporary quota of 15000 yuan, with the card number of 8888. Then edit the short message "ccte # 8888 # 15000" and apply by short message. The default time of temporary quota is 2 months. ) Self-service application is quite convenient.
Why can't the three-phase bill of Agricultural Bank of China's credit card be mentioned for the time being? Generally, the five major banks rarely mention it. I did mention it during the Spring Festival.
Does CCB's temporary credit line appear on the paper bill? Your paper bill will show your credit card limit and remaining available limit, but it will not tell you that it is a temporary limit. Do you need to show it?
My CCB credit card has a line of 10000. I applied for a temporary line of 12000. Why is there a line of 17000? When I applied, I applied to add 100 to 12000?
The bank always checks the temporary limit according to your credit card usage and your application for adjustment. The adjusted maximum amount is the amount you apply for, and it will not be higher than this amount.
How will CCB reduce the temporary credit card quota? After the temporary credit limit is reduced, it will be automatically restored to your permanent credit limit after the validity period of the reduction expires. If you want to restore the permanent quota before it expires, you can call the customer service hotline to apply.
How to apply for temporary credit line of CCB credit card at outlets? CCB Credit Card cannot apply for credit limit adjustment at the counter. You can directly call the credit card customer service phone to apply for adjusting the quota. In some cases, it's ok for CCB to reset it voluntarily and resume SMS. But the main thing is to call customer service to adjust the amount.
Why can't the temporary credit card limit of CCB always be increased? Every time you apply for the system, you need to re-examine your card. It doesn't mean that those who succeed with the premise amount will succeed every time they apply. There are many aspects for reference in the review of this limit, such as the proportion of your monthly credit card spending to the total amount, the type of merchants you spend, the proportion of cash withdrawals if any, whether the repayment is on time, how much the repayment ratio can be paid, how personal credit history is, and how long it has been since the last adjustment of the limit. CCB is the best card user. People from different industries use cards as much as possible in their daily consumption. Then pay it back in full and on time. This continuous cumulative use and repayment record will be helpful for you to apply for an increase in the quota in the future. The application was unsuccessful, so we must try again next month.
When the temporary credit line of CCB expires, the customer service will pay the bill.
If the temporary credit line has been used, the card status will exceed the limit after the temporary credit line expires, which will not affect the credit extension and will not generate additional expenses, but it cannot be used at this time. When the repayment comes back, the card status will automatically return to normal. If the temporary line expires, but the repayment date has not yet arrived, and the card is not used for the time being, you can not repay it first, and then repay it when it expires. If you need to use the card, return it quickly.
Can I apply for a fixed credit line immediately after the temporary credit line of CCB has been repaid? number
At present, CCB does not accept applications for permanent quota adjustment. Credit card spending is more, consumption types are diversified, and repayment is made in full and on time. In the case of personal credit enhancement, the bank may ask you to increase the permanent quota, and the specific amount shall be subject to the bank's audit results. SMS invited CCB to adjust the permanent quota. After receiving the short message, you can apply by pressing a few letters in the reply, without logging in to any website or making a phone call. Don't easily believe that individuals or institutions outside the bank can help you adjust the quota.
Why can't my CCB credit card be adjusted after one year? The permanent limit is adjusted irregularly by the bank according to the customer's credit card and repayment situation. After you reach the quota adjustment standard, the bank will send you a text message. During this time, you can use your credit card again, choose more physical store merchants to swipe your card, and you can swipe your card when you go out shopping, eating or shopping. Maybe one day you will receive an invitation to adjust the quota. If there is a large transaction in the near future, you can apply for temporary line adjustment, which can be handled by yourself. In addition to telephone voice self-service, you can also send SMS or WeChat application. The most convenient one is WeChat. Pay attention to the official account of CCB WeChat "China Construction Bank", bind the credit card, and select "Credit Card-Line Management" at the lower right.