2/8
Show your financial resources to the bank. You can properly deposit a time deposit in CCB, or buy wealth management products such as foreign exchange investment through CCB to let the bank know that your financial resources are no problem.
3/8
Properly contribute to the bank, you can make the bank have a certain profit by installment of bills or single transaction, and at the same time, you can make the bank think that you have higher consumption requirements, and the existing quota is not enough, so you need to increase the quota.
4/8
Also, you can increase the temporary quota first, and then increase the fixed quota. Of course, you need to use a temporary line to let the bank know that you have a demand, preferably on holidays.
5/8
Of course, if you can swipe your card overseas, it will be more helpful to increase the quota. Overseas credit cards prove that your financial ability is good, and it is easy to give you a line.
6/8
There is also online shopping, Alipay transactions, you can use credit cards to trade, try to use credit cards to trade,
7/8
It is best not to withdraw cash. The less cash you withdraw, the more helpful it is to your withdrawal, and the easier it is to pass the examination.
8/8
Of course, you also let the bank know that you have strong financial resources through personal information, such as real estate license and driver's license. Of course, if the business account is opened in CCB, the more water, the better.
Let me take a wild guess. Did you apply for your CCB credit card when you applied for a mortgage? Other credit cards should be joint-stock banks, such as Ping An, Minsheng and Shanghai Pudong Development Bank.
There are two kinds of banks at present. One is the big state-owned banks, such as the workers' and peasants' construction. The profit points of these state-owned banks are mainly mortgage loans and corporate loans, and they do not rely on credit cards to make money; The other is joint-stock banks, such as Ping An Minsheng, whose profit points are mainly small consumer loans and credit cards.
Therefore, it is not surprising that China Construction Bank, as one of the four major banks, is slow to raise the amount. If you want to increase the amount of CCB, it is just a routine operation to use the card frequently. In addition, you should deposit and buy wealth management products or insurance in this bank, or your salary card or business flow is CCB card. Through these operations, the bank thinks that you are a high-net-worth customer, and to put it bluntly, you are a middle class with cars and leisure.
The idea of raising the amount of state-owned banks is different from that of joint-stock banks. Because it is state-owned, it is conservative. Credit card is actually a high-risk financial product. Through our personal loan, we will find that state-owned banks are much stricter than joint-stock banks. Its starting point is icing on the cake, not giving you timely help.
How to raise CCB's credit card?
In fact, CCB credit card is a better credit card among the four major banks. Especially CCB Longka automobile credit card. It is more convenient for car owners to refuel and other convenience measures.
In fact, as long as CCB's credit card is a normal and reasonable consumption, the speed of withdrawal is still quite fast. However, CCB still has his favorite industries. Alas, if he spends in his favorite industry, he can increase the credit card limit faster. What kind of merchants does CCB prefer? Let's talk briefly about several high-quality merchants who withdraw money faster from CCB.
As usual, we often see department stores. Jewelry, catering accommodation, tourism, electrical appliances, supermarkets, refueling, etc. You can increase the amount of points within the normal business scope, but you should also pay attention to some common sense of using the card.
It is really difficult for CCB to increase the credit card limit, especially for Laotie, which has many credits. The credit card limit is almost a lifetime limit. So it's better to wait and see! Why do you say that? Because CCB's card issuance and card withdrawal rules have strict control over multi-head credit. Just like the Agricultural Bank of China's control over the credit line. So what is long credit? In fact, it is the amount of credit card you handle. If you have more than one bank's credit card, the audit of CCB will be very strict, as will the withdrawal. Generally speaking, if his credit card exceeds 4 lines, CCB will give you another card. Of course, unless your qualifications are particularly good, I will send you a CCB Platinum Card if it exceeds 8 lines. If your mortgage is in CCB, you have a house and a car under your name, and you have a large deposit in CCB, then talk about it separately. What we are talking about today is that there are no fixed assets. If you don't have it, the quota of CCB can be said to be tortoise speed, and it never even gives you a quota. So at this time, you can understand why the credit card withdrawal of other banks is fast, while the credit card withdrawal of CCB is slow. That's the reason. Every bank has its own withdrawal rules. Only by understanding its law of raising the amount can we prescribe the right medicine. So in this case, I suggest you wait and see! I was angry when I saw the credit card. The quality of life has not improved since he used the credit card. On the contrary, he still owes a lot of debts. When he first started playing finance, he always played cards. If I had no money then, I wouldn't have played. After I finished, I found that I owed a lot because the credit card limit was too high. People who come over suggest that there is no need to increase the credit card limit, or you will regret it!
After the credit card is activated, you must spend it frequently. Customers who spend regularly will be regarded as high-quality customers by the banking system, and the annual quota will be fixed.
Try to spend 80% of your credit card every month to let the bank know that your credit card is not enough and will return it on time.
You can't swipe your card every month Every time you swipe your card, the banking system will think that you are short of money and have limited income, and dare not give you a quota.
Therefore, consumption should be active at ordinary times, and credit cards are rarely swiped after activation. The banking system will make sure that your quota is sufficient and will not give you a quota.
Hello, I'm Cato. I have been playing cards professionally for 9 years, and the total credit of four credit cards is1160,000.
As we all know, CCB has applied for Barbie White Card for 20,000 times, but the success rate is getting lower and lower, even ineffective, and the success curve has reached more than 60,000. However, I want to say that CCB looks at the comprehensive score of individuals in the bank, and the score is high. Any ordinary card can have a very large raise. In my case, the curve has increased by 5 1.
Card friends are qualified: no social security provident fund, no payroll, no CCB mortgage, 7 cards from other banks, with a total credit of more than 400,000. Process: Get off the Bililong card on June 5, 2020 and February 7, 2028, and pay a return visit to ask why the mortgage repayment amount and company address change frequently, and then inform me to get off the card by SMS.
Then, put all the running water into the savings card of CCB. March 2 1 daily interest settlement 1 1.63 yuan, June 2 1 daily interest settlement of 64.35 yuan, the first step for two consecutive quarters. The second step is to see how many loans are given in the pre-approval:
In July, the pre-approval of car purchase and decoration was 220,000 yuan after the card. Today, when I opened it, it was gone. However, there has always been such a quota in installments, and there is no quota for fast loans.
Because the cardholder paid points on the Wal-Mart shopping card of 18- 19, the star rating dropped to 1, and the score turned green, and everything was fine in the later period.
There is running water in the card, and interest is paid in two quarters. I pay by dragon card more than seven times a month. The first card is a temporary limit in June, and I will go to the outlet to apply for the card on August 9.
Apply for whatever the branch manager recommends. Anyway, there is no annual fee, and he will be back in three days, but just after checking the information, the address of Kayou Company has changed again, and he didn't ask.
Finally, the first card was tied and the curve was perfect. In the absence of financial management, social security accumulation fund, mortgage and payroll, I dare say that this is the fastest way for CCB to raise the amount, and there is no one.
The rest said that applying for another bank's credit card is three times that of CCB? If the amount of CCB is several thousand yuan or very low, it will be easy to achieve. CCB has just issued a card for one year, and then it is used as a card, but it may not triple, unless there are other reasons.
There are several methods that CCB can try to withdraw cash from credit cards: Method 1: The success rate of online customer service from temporary quota to fixed quota is relatively high. It is not easy to increase the permanent credit limit of CCB credit card, but the temporary credit limit can still be increased. For example, a cardholder who applied for a temporary credit line by sending a text message was actually given a credit line of 1 10,000. Although it is only three months, it is still very powerful. Card friends who wish to convert the temporary quota into a permanent quota can choose online customer service in the official China of CCB and submit an application. Not once, not twice, just try a few more times. Method 2: consumption abroad is the life gate. In fact, not only CCB, but also domestic banks generally have "Harbin foreign currency", but especially CCB. Therefore, card friends who want to raise the amount can do more Haitao, or make donations in the US dollar account, which is also helpful for raising the amount. Method 3: Applicable to all banks-small amount, multiple times, physical stores, and irregular installment. This is related to the scoring mechanism. Generally speaking, banks will think that cardholders who use small, multiple, physical stores and occasional installment cards have higher stability and higher points. Here to remind you, the number of credit cards should not be too much, generally less than four, with a high score. If it exceeds too many, points may be deducted.
I also have a CCB credit card, which is a flying credit card. My situation is just the opposite of yours. This is my last credit card, but the cash withdrawal amount is the fastest, which makes me a little surprised.
Speaking of handling this CCB credit card, it was purely an accident. Last year, I made several mistakes because I forgot the password of my previous savings card, which led to the card being locked. I need to take my ID card and savings card to the CCB's business outlets to unlock it.
After I went to the business hall to unlock it that day, the staff who handled the unlocking business for me suddenly asked me if I had a credit card of CCB. I blurted it out. He asked me if I wanted to apply for a credit card.
At that time, I had already applied for several bank credit cards, so I wanted to refuse him with a troublesome sentence. I said, I already have several credit cards, and I have to come to the business hall for face-to-face signing. Too much trouble.
Later, he said that as long as you fill out a form now, the credit card will be sent to your work place. I can activate myself through mobile banking, and in this way, I was given a credit card by the bank.
This credit card of CCB was used for several months, and immediately gave me three times the limit. Earlier, it gave me nearly twice the limit. This speed is faster than my other credit cards. It seems that I have to take good care of this card.
It used to be said that it was difficult for CCB to raise the amount. Now it seems that this is not the case.
Is there any way to increase the amount? I just let nature take its course, bind WeChat and Alipay, usually swipe my card more and use it in multiple scenes. It's that simple.