There are so many stories about credit card applications and credit limit increases, it makes me cry every time I tell them! Since the concept of early consumption has entered thousands of households, this powerful tool for early consumption has to be a credit card! But when you think about applying for a credit card and raising your credit limit, why is it so difficult? Rong360 tells you about the bonus points of your credit card, which you can rely on when applying for a card or raising your credit limit.

1. Bonus points for credit card application and limit increase

1. Marital status

Married with children > Married with no children, Married with no children >Single.

Under the same conditions, in the bank's simulated review system, married people have a higher credit rating than unmarried people.

2. Educational background and technical titles

There is no difference in credit rating for those with a bachelor's degree or below, while those with a graduate degree or above will have a higher rating.

In terms of professional titles, those with various professional titles such as engineers, economists, accountants, and outstanding teachers can often get extra points.

3. Work status

Civil servants, teachers, doctors and employees of some companies with good profits can get high ratings due to their high stability. People in the fashion industry and financial people have strong consumption habits. Ability and rating will also be higher. Of course, the longer the service period, the higher the rating.

4. Income and assets

Reliable proof of income, large deposit certificates, real estate, and cars in your name will all get higher scores.

5. Credit record

The quality of credit record not only affects whether the card application is approved, but also affects the limit increase. If you have a good credit record, the bank will consider giving extra points at its discretion.

2. Strategies for increasing the permanent credit limit

1. Credit record is the most important

If a cardholder has a bad credit record, they should not even think about increasing their credit card limit. .

2. Use too much of the credit limit

In order to prove to the bank that your credit limit is not enough, you may wish to focus on purchasing large items. It is best to have the monthly bill amount account for more than 70% of the credit limit. , raising the forehead is not a problem.

3. Swipe more cards

On the one hand, the number of card swipes can show the activity level of the cardholder, and on the other hand, it can generate revenue for the bank. Banks will naturally be willing to grant higher credit limits to people who use their cards diligently.

4. Frequent installments and withdrawals of cash

Banks can charge a lot of handling fees and interest for installments and cash withdrawals through credit cards. For those of you who frequently make installments and withdraw cash, you are taking care of the bank's income. The bank will naturally take care of your "limit".

5. Extensive consumption types

Whether the consumption types are extensive indicates the level of consumption ability. For those with high consumption capacity, the bank will definitely be willing to increase your credit limit. Necessary consumption includes restaurants, supermarkets, and shopping malls, while non-essential consumption includes gas stations, hotels, KTVs, air tickets, and overseas shopping.

6. Commonly used temporary limit increases

In the eyes of banks, people who often apply for temporary credit card limits generally have high spending power. Banks are happy to provide credit limit increases to people with high spending power.

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