how to increase the credit card limit?

The ways to increase the credit card limit are as follows:

1. Swipe more cards. Use credit cards whenever possible. Wherever you can swipe your card, you should swipe your card regardless of the amount of the credit card. First, the amount of the credit card is relatively large, and the number of swipes can make the bank feel your dependence on the credit card.

2. Appropriate installment. After the credit card bill comes out, it can be properly installment, and the number of installments should not be too long, so that the bank can make money, brush a few large sums, and it is easy to raise the amount.

3. The amount of credit card must be guaranteed every month, and it is best to keep the amount of credit card at about 4% of the total monthly amount. The more you brush, the better. You must be realistic. For example, you earn 4 yuan a month, but you spend more than 1 thousand yuan a month. Of course this is not appropriate. This will make the bank think you are dangerous and worry about whether your repayment will be overdue.

4. It is particularly easy to apply for a temporary withdrawal from the bank, especially during holidays for tourism reasons.

5. Pay back the loan on time, and don't be overdue. The amount will be withdrawn after 3 to 6 months of normal use of the card.

6. We should handle the bank installment business reasonably and let the bank earn some money.

7. The types of credit card merchants should be diversified, covering more than 1 industries as far as possible, such as shopping malls, supermarkets, hotels, restaurants and gymnasiums.

How to increase the credit card

Customers can adjust the credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through the menu of "Credit card-card service-limit adjustment";

2. Pay attention to the official WeChat of China Construction Bank, and handle it through the menu of "Credit Card-Bill/Repayment/Limit Management" after binding the credit card.

note: the above channels all support temporary quota adjustment and permanent quota adjustment.

(in case of business changes, please take the actual situation as the standard. )

The quickest way to increase the credit card amount

The most effective skill to withdraw the credit card amount

1. Appropriately increase the consumption transaction amount. The basic requirement of general credit card withdrawal is that the total amount of consumption accounts for more than 3% of the total amount within half a year. If this condition is not met, it is difficult to withdraw the amount. Try to keep a certain amount of transactions every month. If conditions permit, you can spend more than 7% of the total credit card amount every month, which is very helpful for bank credit card withdrawal.

2. Keep the consumption types diversified. If you only spend by credit card in the same type, it is easy to be suspected of bad behavior by banks, so the types of merchants should be diversified as much as possible: shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment places and other daily consumption places. Why try to diversify? According to the bank's evaluation, the more diversified the customer's consumption behavior, the more stable the customer's consumption habits are; The opposite is not the case.

3. Active consumption abroad. This trick is suitable for card friends who are above the "advanced growth" stage. Why do you say this? Because the young friends who are "out of the rivers and lakes" are sure that their economic conditions are average, and they can hardly do frequent consumption abroad.

4. Always pay in installments and pay in full. Usually, if you can't buy a big item for a while, you can choose to apply for installment. Although installment is interest-free, you need to pay a certain handling fee to the bank. After giving the bank some benefits in this way, the speed of withdrawal is comparable to that of taking a rocket! It will soon be able to reach the "decent" stage from the "entry level".

5. Increasing the temporary limit constantly requires increasing the temporary limit. For example, when your official limit reaches 5, and there is no bad record, you can try to apply for a temporary limit of around 8,. Once the temporary limit expires and repays on time, you can apply for an increase in your permanent limit according to this standard, and the chances of passing it are higher.

hidden rules of credit card installment

1. The more installments, the lower the installment interest rate, and the installment fee is different from bank to bank. If the bill is billed or not, the installment fee will be calculated according to the installment interest rate. Banks encourage cardholders to make installments. If there is no financial pressure, it is best to repay in full.

2. The prepayment fee is not wrong according to most bank regulations. Once the credit card bill is installment, if you pay the installment fee monthly, even if you repay in advance, you still need to pay the remaining months' fees.

3. There is a limit on the installment amount of the bill. Not all the consumption amount in the bill can be installment. In general, the installment amount of the credit card bill cannot exceed 9% of the new consumption in this period.

4. Temporary credit line cannot be divided into installments. If a credit card has a temporary credit line, it cannot be divided into installments. The temporary limit must be paid off in one lump sum, and there is no minimum repayment amount. If it is not repaid, it will affect personal credit information.

5. The installment of bills does not affect personal credit reporting, and it does not affect personal credit reporting. Only the repayment that is not made or missed the last repayment date will affect personal credit reporting.

6. installment types are not limited to bills, but also cash installment, transaction installment, shopping mall installment, contract installment and special installment. Cardholders choose different staging types under different circumstances, and find the most cost-effective way through rational allocation.

7. It's too annoying for the bank customer service to sell installment calls. The installment business of the bank is outsourced. You can call the bank customer service yourself to cancel it, and tell the bank that I will handle the installment myself, so don't always bother.

Let's stop here for the introduction of how to increase the credit card in Zhengzhou.