How can you increase your credit limit as quickly as possible with Ping An Credit Card
1. Good card usage habits
This is the key to increasing your credit limit. Many cardholders think that As long as you use your credit card and spend more, you can easily increase your credit limit. Although frequent credit card purchases are very helpful for increasing your credit card limit, we must not swipe the card frequently at the same time. Even if we have to swipe the card, try not to round the limit to avoid system suspicion. You maliciously tx to control your risk. The number of credit card purchases per bill should be 12-20, and large amounts should be avoided. Mainly focus on small amounts and multiple purchases, combining online and offline transactions. The card swiping platform must be diversified, such as hotels, restaurants, entertainment, department stores, supermarkets, etc., and all three major categories of merchants must be present.
2. Bill Usage Rate
Ping An Bank’s risk control is relatively strict. The consumption limit of each bill should not exceed 80% of the total amount, and it is best to control it between 60-80%. Range, if it exceeds 80 for a long time, it is very likely that it will be directly reduced by Ping An Bank after full repayment.
3. Build contribution value
Ping An is a bank that started out as an insurance company, so the easiest way is to buy insurance from Ping An to increase contributions, but you don’t need to buy a large amount of insurance. , small insurance can be used, which not only increases the contribution value, but also ensures the stability and limit increase of the credit card; and those who do not have a credit card can apply for a credit card through this method. Ping An’s car owner card is very easy to apply for, and the card limit is not low. But those with high debt are best to reduce their debt before applying, as this will have a much higher success rate.
IV. Overseas Consumption
Ping An Bank has a special overseas temporary reservation quota for overseas consumption, so foreign currency consumption has a very significant impact on Ping An Bank's limit increase, regardless of the amount, as long as it is Real overseas consumption can get extra points. Cardholders who do not have the conditions and opportunities to go abroad can also use the online overseas consumption platform to consume real foreign currencies, without having to go abroad to kill two birds with one stone.
Exclusive tips for increasing the credit limit of Ping An Bank’s credit cards! Most people don’t know this!
Ping An has many businesses, and the main business of Ping An Bank is definitely credit. Many friends have credit cards from Ping An Bank, but they all say that it is difficult to increase the credit limit. In fact, it is not difficult to increase the credit limit of Ping An Bank, but compared with other banks, Ping An Bank has several points that need to be paid attention to, and there are also some tips. Let’s take a look!
General methods to increase the credit limit
There are many general credit card limit increase methods, which are basically universal ones. They are actually useful for Ping An Bank. For example, use more and use more for diversified consumption, do not exceed the limit, do not be overdue, repay in full on time, etc. You still have to follow this general rule.
Of course, in addition to the general methods of increasing the amount, if we want to increase the amount more effectively and quickly, we need to use some tips and some things to pay attention to, as follows:
1. Ping An’s big data is very powerful. Try not to take the path of cashing out. It won’t work. And Ping An doesn’t like installments, so it’s more reliable to repay in full.
2. Download the Ping An Credit Card client, log in more and participate in more activities, especially overseas consumption activities. Overseas consumption has always been the lifeblood of credit cards, and Ping An is no exception.
3. If you want to increase the fixed limit, apply for a temporary limit first. After the temporary limit is available, apply for a Ping An Bank car owner credit card. Once the card is approved, the temporary limit may be automatically converted to a fixed limit.
4. Find a way to withdraw the Ping An reserve fund, and continue to make 2-6 overseas purchases within 2-3 days after the transfer is successful. The probability of withdrawing the Ping An reserve fund is more than 90%. The credit will be released after the next bill, just wait.
That’s all for everyone about the increase in Ping An Bank’s credit card limit. I believe that if ordinary methods and special methods are used together, there will definitely be no problem in increasing the quota.
Tips for increasing the limit of Ping An Credit Card
Tips for increasing the limit of Ping An Credit Card
1 Actively apply for an increase: by providing proof of assets, such as driver's license, real estate certificate Or submit the purchased financial management certificate to the bank, take the initiative to apply to the customer service staff to increase the limit, or directly apply for a card with a higher limit.
2 Continuous credit card consumption: Try to choose credit card payment for daily consumption. Now you can use credit card in supermarkets, convenience stores and various hotels and restaurants. Various card swiping allows banks to evaluate the cardholder’s consumption. The level is constantly improving and it depends on the credit card limit. If things go on like this, the ICBC credit card limit will increase.
3 Increase business relationships: Generally, banks will determine the credit card limit through savings card transactions. You can first apply for a Ping An Bank savings card, and then carry out daily capital transactions, or use fixed deposit financing to buy Ping An Bank's insurance and these operations will help increase your credit card limit.
4 Installment repayment: You can repay the bill in installments every six months, choose the minimum repayment amount, and pay a certain amount of interest, and the bank will be more willing to increase the amount.
The limit increase time for a Ping An Bank credit card needs to be after 3 months of use. You can apply to increase the temporary limit. If you have used the card for 6 months, you can apply to the bank to increase the fixed limit.
Repayment methods
The methods within the card-issuing bank include: card-issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.
Weiyintong POS mobile phone and Weiyintong POS mobile phone are a mobile financial system personal payment terminals that can be used to directly repay by swiping cards, as well as perform transfers and other services. Instant payment!
Transfer/remittance repayment is mainly divided into two methods: inter-bank inter-bank in the same city and inter-bank inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.
The more common domestic online platforms for online repayment include: UnionPay Online, Kuaiqian, Shengfutong, Alipay, Tenpay, etc. Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.
This method of convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. Generally, the payment time takes 2 to 3 working days. At the same time, using this There is no handling fee for repayment.
Counter repayment counter refers to bank cards issued by various networked financial institutions, which can be used to conduct RMB current deposit and withdrawal transactions through the counters of other bank branches registered in the UnionPay exchange center host system.
The "Xinpaytong" smart credit card phone for repayment is an innovative electronic product independently developed by China UnionPay, certified by the Bank Card Testing Center, and supported by financial services provided by China UnionPay's inter-bank information exchange network.
Use "Repayment Tong" to make repayments, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.
Other methods In addition to the methods mentioned above, card issuers have also opened their own unique repayment methods in order to facilitate cardholders' repayment.
That’s it for the introduction of how to increase the credit limit of Ping An Bank’s credit card.