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-Line 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 refer to the actual situation. )

How to increase the credit card limit?

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

1, swipe your card more, use your credit card if you can, and swipe your card if you can, regardless of the credit card limit. First, the amount of credit cards is relatively large, and the number of swipes can make banks feel your dependence on credit cards.

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

3. Be sure to guarantee the credit card limit every month, preferably about 40% of the total monthly amount. The more you brush, the better. You must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 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.

It is very easy to apply for temporary withdrawal from the bank, especially on holidays for tourism reasons.

5. Repay on time, don't be overdue. After 3 to 6 months of normal use of the card, the quota will be raised.

6. It is necessary to handle the bank installment business reasonably and let the bank make some money.

7. The types of credit card merchants should be diversified, covering industries above 10 as far as possible, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.

How to increase the credit card limit?

1. swipe more cards to enrich the consumption range.

Continuing to swipe your card is an important aspect to prove your financial strength. Always use a credit card, no matter how much it costs, you can swipe your card anywhere.

At the same time, don't just swipe your card to buy something, so it is easy for bank risk control to think that there is a suspicion of credit card cashing. Normal consumption should include all aspects of food, clothing, housing, eating, drinking and having fun.

If you still swipe your card overseas, it will be even more icing on the cake. Consumption abroad is mainly based on settlement, while repayment is in RMB. For banks, they can not only earn domestic fees, interest, etc., but also earn currency exchange rate conversion fees. Of course, banks are very encouraging and welcoming, and even many banks have launched large-scale full reduction activities in consumption abroad.

However, it should be noted that spending more on credit cards does not encourage you to spend indiscriminately, but instead uses credit cards when you can pay cash. Then the cash can be used for current wealth management, such as putting it in Yu 'ebao or Wu Tong Wealth Management every week to earn money, and then taking it out for repayment when the maturity date approaches. This not only uses the interest-free period to earn interest, but also "raises the card", killing two birds with one stone.

2. Small amount or many times

Some banks especially like users who spend a lot of money. Don't be too lazy to swipe your card because of the low consumption quota. A large number of credit cards can show the bank that you are an active and quality user.

Of course, some banks prefer large consumption, and it is best to spend more than 80% every month. In any case, the most important thing is to spend by credit card rationally, and think clearly whether what you want to buy is necessary or dispensable.

3. Appropriate staging

We all know that the handling fee generated by credit card installment is very high, and we are generally not encouraged to handle the bill by installment. But proper staging can also help you increase the amount. Why? Because you make money for the bank, "reciprocal" banks are not easy to refuse.

For those who want to raise a card, it is still of certain reference significance to stage it appropriately.

4. Provide proof of financial resources

If you have a high-quality work unit, you can add extra points for cash withdrawal, but you can also add more detailed personal information and asset certificates, such as real estate license, driver's license, money fund or trust assets.

A simpler and ruder way is to deposit money directly into the bank's savings card, or buy bank financing to let the bank know your financial situation. It is difficult for banks to refuse such high-quality customers.

5. Active application for withdrawal

Every once in a while, you can call customer service to apply for an increase.

The following three situations are more likely to be approved:

1. Apply for the first withdrawal after the new credit card has been used for half a year. Generally, every withdrawal application is half a year apart;

2. Apply for withdrawal after staging;

3. Apply for cash withdrawal after a single large transaction.

6. Repay on time

The repayment must not be overdue, and it is also an important factor that affects the withdrawal amount. It is also emphasized that it can be phased appropriately.

Although banks like to put their money where they can make money, they are more concerned about when the money can be recovered. Therefore, the above measures can play a role in timely repayment.

In addition, if your credit card is deactivated for a period of time, the bank will take wake-up measures for such users. Wake-up measures are nothing more than raising the quota or providing interest-free installment, so you should seize the opportunity.

How to apply for increasing the credit card limit?

Generally, it takes more than half a year to increase the credit card limit, and the existing limit is basically used up every month and repaid in full every time. In this case, some banks will automatically raise the limit, and state-owned banks such as ICBC need to call themselves to apply for raising the limit.

The following methods can increase the credit card limit:

Always spend money by credit card. Credit cards must be swiped frequently and spent more, and the bank will increase the limit according to your consumption.

High consumption, try to use up the credit card limit every month, and the bank will upgrade according to the actual situation that your limit is not enough. If your card limit is 10000 and you spend 300 yuan every month, the bank doesn't think it is necessary to raise the limit.

If you apply for a temporary quota, you can apply for a temporary quota because you need to increase the quota in the short term, such as holidays, travel, business trips, etc. , which will be easier to approve.

Call to apply, once you can't, call again and continue to apply by phone. Sometimes different customer service applications are treated differently.

If the customer service doesn't accept the increase, tell the customer service. The quota can't be increased, and it's no use keeping it. If the limit is not increased, the card will be cancelled and sometimes it can be used.

The time of exit is also very important. It is most effective to apply on the accounting day or when the card has just been maxed out. Especially the major expenses that have just happened, such as decorating the house and buying a car. The bank will consider adjusting when it sees that your recent consumption does have demand.

How to increase the credit card limit?

The credit card limit promotion method is as follows:

1, frequently swipe your card to increase the consumption limit. Develop the habit of paying by credit card in daily consumption life. No matter how much it is, the monthly payment is above 10, and it is easier to withdraw more than 20%.

2. The types of consumer business should be diversified. It is recommended that cardholders swipe their cards at merchants with points;

3. Apply for increasing the temporary quota. Temporary adjustment is only an auxiliary means, which is quick to take effect and expire, so we should pay attention to timeliness.

What is the reason for the decrease in credit card limit?

The reasons for the decline in credit card limit are as follows:

1, active derating. In order to prevent the risk of theft, users take the initiative to ask the bank to reduce the quota;

2. All kinds of illegal cashing, such as online cashing. Using Taobao website, transactions are frequent, the amount is large, all transactions are virtual goods and all are fixed businesses, and so on;

3. The credit card has expired. If the overdue days are more than 60 days or even maliciously overdue, in addition to reducing the quota, it may also lead to card suspension and blacklist;

4. Credit cards are not used for a long time. The bank has regulations that credit cards may be reduced if they are not used for a long time.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business.

The issuing bank charges 5% of the outstanding minimum repayment amount and the over-limit credit line of the credit card holder with a late payment fee and an over-limit handling fee respectively.

Article 41

The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.

So much for the introduction on how to apply for increasing the credit card limit.