1. Regular cards used as a transitional card
The most popular way to increase credit card limit is to increase the limit in a curve, that is, first apply for a regular card, and then use it for more than half a year, directly Applying for a platinum card of this card type can increase the probability of getting a platinum card. However, after we apply for a platinum card and have a high-limit card, we will no longer use regular cards. At this time, we can use the regular cards that we used to curve. Cancel the card and only use the Platinum card in the future.
2. Cards with duplicate benefits
Credit cards have a variety of benefits. We will apply for many credit cards without knowing it. At this time, we can choose the best one. Commonly used cards are those with the best benefits and discounts. Cancel cards with few benefits or duplicate benefits.
3. Credit cards with large installments
We will find that many banks have launched platinum credit cards with large installments, and the limit is very high, basically more than 50,000, but this All kinds of cards have mandatory requirements, that is, installment. As long as you pay in installments, there will be a handling fee, and the annualized handling fee is not low. Unless you are very desperate for funds, I do not recommend you to apply for this kind of large installment credit card. If you have one, it is best to cancel it.
4. Credit Cards That Are Difficult to Increase Your Limit
This kind of credit card means that no matter how you use it, how good your credit record is, and how beautiful your consumption bills are, you will never be able to increase your limit. This kind of card doesn’t require you to spend any time on how to increase your credit limit. You can just cancel it, because no matter how you do it, there won’t be much change. It is better to directly choose a card that is easy to increase the limit, spend the same time and effort, and get higher returns in the end.
For example: CCB’s quota is 1W, CITIC’s quota is 2.4W, Ping An’s quota is 2.6W, people’s livelihood quota is 3.1W, agricultural quota is 3W, investment quota is 1.5W, and there is a mortgage loan of more than 400,000 from Bank of China. The credit card debt is more than 60%, and so far, I have not raised the limit once when I applied for a CCB card.