Many people have their own credit cards, and sometimes they want to increase the limit of their credit cards, but there has been no movement. So what are the techniques for increasing the limit of credit cards of major banks? Here are the major credit card limit increases that I have compiled for you Bank credit card limit increase tips, I hope it will be useful to everyone.
Techniques for increasing the credit limit of major banks’ credit cards
China Merchants Bank Credit Card
My China Merchants Bank card is automatically increased by the bank. In fact, I just swipe it and swipe the card frequently. The limit is not fixed, but the frequency is high. After half a year, China Merchants Bank will take the initiative to send text messages to increase the limit. I would like to remind you that if China Merchants Bank takes the initiative to increase the limit for you, it is best to mention overseas consumption and increase the US dollar limit. In fact, when you The US dollar quota has increased, and the equivalent RMB quota has naturally increased. It was too young at that time.
Guangfa Bank Credit Card
The limit increase for Guangfa Credit Card is self-service. It is relatively simple to apply for a limit increase for Guangfa Credit Card. Generally, as long as you have used the card for more than half a year and can usually Once you have reached about 80-90 of the limit, and after you have paid off the bill in full, you can try to apply to increase the limit.
Bank of China Credit Card
Many cardholders said that if they want to increase the credit limit of Bank of China credit cards, they just need to apply for the card and then cancel the card. If they think the limit is low, then cancel the card. If you choose a low-limit card and then apply for a new card, the limit of this new card will be about twice as large as the previous one. Although it is a way to increase the limit, you cannot keep canceling the card, in case the bank cheats you. Turned away! Therefore, the most stable way to increase your limit is to buy time deposits and financial management products. If you have a lot of daily turnover, you can increase your limit properly if you insist on it for a period of time.
Agricultural Bank of China Credit Card
One way to increase the success rate of Agricultural Bank of China credit card is to buy a time deposit, and it is directly proportional to the amount of the time deposit. It is recommended that you put it in for a while after depositing it. , and then take it out. Friends who don’t have a small bank account may wish to take a look at the financial management products of Agricultural Bank of China, which support bank products. If you want to increase your credit limit, it’s easy to do so. What’s more, just swipe your card more and don’t miss the gold limit increase period.
Ping An Bank Credit Card
Ping An Bank allows you to increase your credit limit for consumption. Some friends also said that you can use One Account to increase your credit limit. I don’t know if this will work, but if you have Ping An Bank If you have a savings account and have a large turnover, it is naturally appropriate to increase the amount. If you have a new real estate, you must promptly provide the information to the bank and then apply for an increase, which is also effective.
Industrial Bank Credit Card
The principle remains the same. If you want to increase the credit limit, it is appropriate to submit sufficient information to raise the desired credit limit. If you cannot prove your financial resources, To help you, then you might as well save the country by applying for a casual loan from Industrial Bank, supporting the bank's work, and occasionally making large installments, so that the bank can also enjoy some sweetness, knowing that you can also make money, and repay the loan Be sure to work hard, and never pay back the minimum amount. The bank will wonder if you have run out of money recently, and there will definitely be no chance of raising the amount. Competing welfare benefits between major state-owned banks and commercial banks
1. Industrial and Commercial Bank of China
Introduction: Industrial and Commercial Bank of China has strong profitability. In 2007, the group achieved an after-tax profit of 81.99 billion yuan, an increase of 65.9% over the previous year. Earnings per share were 0.24 yuan, an increase of 41.2. By the end of 2007, the total market capitalization had risen to US$338.934 billion, an increase of 35%, making it the world's largest listed bank by market capitalization.
Evaluation:
Salary and benefits ★★★☆☆
Environment and transportation ★★★☆☆
Work pressure ★★★★ ☆(The more stars, the less pressure)
Development prospects ★★★★☆
Comments on employee benefits:
I am a graduate from ICBC I had a master's degree in economics at the time. Studying for a master's degree was just the icing on the cake, but it would be very beneficial to me in the future.
Take ICBC as an example. When I joined, I was different from other undergraduates who had graduated from a bachelor's degree. They had to start internships at the grassroots level, but we didn't need to (but this was just our situation at the time. It seems that master's degrees are also required now. The internship started from the grassroots level).
Even if the benefits I had originally were reduced, there is one thing that will not change, and that is the frequency of salary increases. As far as I know, generally speaking, the average time for a master's degree is one year. The increase is once every three years for undergraduate students. The difference is huge. But after a few years, when everyone has enough experience, the difference will not be so obvious.
Summary: As a bank that can be seen on the streets, the treatment of ICBC employees is inversely proportional to its size. It is basically recognized as the bank with the lowest income among banks. The per capita salary is 4000-5000 (even lower if you are a general teller). However, because the business is relatively comprehensive, you can learn more and there is not much pressure. Moreover, the salary is low and the turnover of personnel is relatively large, promotion is fast, and development is relatively good.
2. China Construction Bank
Introduction: China Construction Bank Co., Ltd. is a joint-stock commercial bank with a leading position in the Chinese market, providing customers with a comprehensive range of commercial banking products and services. The main business areas include corporate banking, personal banking and treasury services. A variety of products and services (such as infrastructure loans, housing mortgage loans and bank card services, etc.) occupy a leading position in the Chinese banking industry.
Evaluation:
Salary and benefits ★★☆☆☆
Environment and transportation ★★★☆☆
Work pressure ★★☆☆ ☆(The more stars, the less pressure)
Development prospects ★★★☆☆
Comments on employee benefits:
1. Comments on customer service employees
As one of the four major banks in China, many people dream of working in China Construction Bank. However, it depends on what you do in the bank. For example, we have a lot of liquidity in customer service, and we basically change jobs every six months. Got a batch.
The work pressure is high. On the one hand, I have to face a large number of customers. It is almost common to be scolded by customers. I can only endure it and cannot retaliate. I have become the target of some bt people to vent their feelings. I feel aggrieved all the time. If a mute eats Coptis chinensis, he will be unable to describe his suffering. On the one hand, we have to face various departments within the company. Customer service work does not get the understanding and care of the company leaders and other department personnel. It seems that we are inferior to others in the company.
Not to mention the heavy workload, the salary is generally too low. Generally, the salary of customer service staff is around 1,000-1,500. Now that prices have increased so much, and all departments are increasing their salaries, why hasn’t the salary of customer service increased? Woolen cloth.
2. Comments on employee benefits
CCB is traditional, perhaps because of its long history, or perhaps because it is a state-owned enterprise. The company's benefits are average. The only thing I'm satisfied with is medical insurance, but I don't think anyone wants to enjoy such benefits. Individual remuneration is determined by years in the industry. The number of salary increases every year is relatively stable, and there are no popular people who have salary increases several times a year. The same is true for promotions. You can only climb up step by step, relying entirely on personal ability and qualifications.
Companies will provide employees with work uniforms. Since bank information is relatively confidential, office computers cannot access the Internet. Lunch is provided by the company, and the price is about 10 yuan. The lunch break is about one and a half hours. In addition to eating, if the weather is good, you can go out for a walk together.
As far as I know, there should be no workaholics. If you inform in advance that you want to take a vacation, it will usually be approved. The current annual leave is not uniformly stipulated by the state. As long as it is within this range, it is allowed, so we arrange our travel plans completely reasonably. I have gone out several times myself, including on weekends.
Summary: It is said that the treatment of different branches of China Construction Bank is quite different. There is a saying called "National treasure one, two, five, branch business department".
That is to say, the most profitable areas of China Construction Bank are the International Business Department, Baoshan Sub-branch, First Sub-branch, Second Sub-branch, Fifth Sub-branch and Branch Sales Department. New employees at China Construction Bank are offered a flat salary of 5,000, but the actual salary is about 3,850.
3. Bank of China
Introduction: Bank of China has the highest proportion of non-interest income in operating income among domestic banks. It manages the largest foreign exchange portfolio in China’s commercial banking industry and holds foreign currency deposits. , loan and trade services markets. Solid customer base. Bank of China has established business partnerships with more than 220 of the Global Fortune 500 companies, and has 41,000 corporate credit customers, more than 1,500 financial institution customers and 140 million individual customers.
Evaluation:
Salary and benefits ★★★☆☆
Environment and transportation ★★★☆☆
Work pressure ★★☆☆ ☆(The more stars, the less pressure)
Development prospects ★★★☆☆
Comments on employee benefits:
The benefits of the Bank of China where I work are roughly It is divided into two parts, one is the monthly salary, and the other is the performance at the end of the year, which is the bonus received based on the business. There are also insurances, housing public funds, etc., haha, just don’t worry about them.
But you can be sure that the more business you know in the bank and the higher your position, your salary will be very unusual. Maybe you think what I am talking about is nonsense, for example, financial planner , it is not reflected in our small town, but it is OK in provincial capital cities, even better in Beijing and Shanghai.
If the account manager or financial planner has the ability to reasonably cultivate investment properties for large customers and help them increase their value, the income will be very, very considerable. The main benefit of a bank lies in its big customers. If you help your customers get rich, your customers will help you get rich. In fact, that's it.
Summary: Like ICBC, Bank of China has a relatively complete training system, and Bank of China has certain advantages in foreign currency business. According to the information obtained by the poster, the average salary of employees working in a branch of Bank of China is more than 5,000 per month.
IV. Agricultural Bank of China
Introduction: Agricultural Bank of China was reestablished in February 1979 and is headquartered in Beijing. As of the end of 2007, it had 24,452 branches in mainland China, branches in Singapore and Hong Kong, and representative offices in London, Tokyo and New York, with 447,519 employees. In 2007, Agricultural Bank of China ranked 65th among the world's 1,000 largest banks by The Banker in the United Kingdom; 277th in the Fortune Global 500 in the United States.
Evaluation:
Salary and benefits ★★★☆☆
Environment and transportation ★★☆☆☆
Work pressure ★★★☆ ☆(The more stars, the less pressure)
Development prospects ★★★★☆
Comments on employee benefits:
Competition in Agricultural Bank of China is fierce , especially for our legal client credit business, sometimes the task is tens of millions per quarter. For me, the target for non-cigarette deposits is 16 million. However, there are always a few people whose orders come very quickly and the amount of each order is large. They improve quickly, but it's not because they have strong abilities. In fact, I know secretly that several people rely on connections.
There are many tobacco companies in Yunnan, and they are all our big customers. If your family has relatives who are officials there, you can easily get large deposits! Some people also have relatives in the industry, and these relatives have contact with many big companies, so we can provide them with Provide resources, and money will come quickly! Job promotion will naturally come quickly!
There will always be some people who rely on connections in state-owned banks, but now the selection of talents and promotion inspections are much more transparent. Well, our bank has recently introduced a new system to establish a talent pool and record the information of all people in the bank. If you have worked in the bank for five years, if you want to be promoted, you can apply for exams and written tests for relevant positions. After passing, there will be interviews, speeches, and comprehensive strength tests. If you pass them all, you can be promoted!