How to increase the limit of a credit card

How to apply for an increase in the limit of a credit card, as follows:

1. Apply to adjust the limit by phone: Find the bank service phone number of your credit card. Make a call and follow the prompts to find the manual service. Explain your request to increase the limit. The bank will adjust different limits based on your card usage.

2. Call customer service and ask to cancel your credit card, and then you find that your limit suddenly becomes higher. However, this method is risky, and the success rate is 50%.

3. Online banking login application: Download the mobile banking of a credit card, find the adjustment limit item after logging in, and apply for a temporary limit or a permanent limit. Each bank is different, so please choose the method of adjusting the limit that suits you based on your actual situation.

4. Log in to WeChat ID, find the WeChat official account (service account) of your credit card, click Follow, find the line item, and follow the prompts.

5. Go to the bank lobby with proof of financial resources: If you really want to increase your credit limit, you can bring proof of your property, real estate or car, etc. The new bank will include it as a reference and prompt you. Your credit limit.

How to increase your credit card limit?

Method 1 to increase your credit card limit: Spend as much as possible with your credit card

Use your credit card to spend as many times and as much as possible. Generally speaking, the total amount of consumption within six months should be at least 30 of your limit. %above. The bank's credit card center will adjust the limit based on your credit card utilization and repayment history.

In addition, compared with online consumption, it is easier to get a credit limit when swiping a card in a physical store, such as home appliance consumption, catering consumption, supermarket shopping, etc. In short, try to swipe the card when you can.

Method 2 to increase the credit card limit: actively apply for a limit increase after half a year

Under normal circumstances, after using a credit card for half a year, the cardholder can actively apply to increase the temporary limit of the credit card or Credit limit. There are many ways to apply for a limit increase. You can apply for a limit increase online, by phone, text message or WeChat. The details depend on the way the bank provides services.

As competition in the domestic credit card market becomes increasingly fierce, it has become a strategy for banks to take the initiative to increase credit limit for regular credit card holders. Usually, banks will take the initiative to increase credit card limits for cardholders before peak consumption periods such as New Year's Day, Spring Festival, May Day, and National Day. In addition, if your card's monthly consumption limit often reaches 60%-100% of the usage limit, the bank will generally take the initiative to increase the limit for you based on usage.

Method 3 to increase credit card limit: Repay in full and on time to avoid late payment fees

After using a credit card for consumption, make sure to repay the monthly payment in full and on time. Once the payment is overdue, not only will you have to pay high late fees, but you will also have a bad credit record, which will affect your future credit card applications. If you cannot repay in time, you must call the bank's customer service hotline in advance to explain the reasons and apply for a grace period of a few days. Most banks can grant a grace period of 3 days, among which China Guangfa Bank and China Construction Bank can grant a grace period of 5 days.

How to increase credit card limit

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

1. Mobile banking customers can log in to mobile banking and go through "Credit Card - Card Go to the "Service - Limit Adjustment" menu;

2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.

Note: The above channels all support temporary quota adjustment and permanent quota adjustment.

(In case of business changes, please refer to the actual situation.)

This is the introduction of how to increase the credit card limit.