Secrets to quickly increase your credit card limit in one minute (all guides for 13 banks)

People have always wanted to increase their credit card limit, so I have compiled the most comprehensive credit card limit in history for you. I hope this will be helpful to everyone.

1. CITIC Bank’s credit limit increase strategy

(1) Online application: Since CITIC’s online banking cannot increase an individual’s total credit limit, you need to reduce the credit card limit first, and then apply Apply for reinstatement.

(2) Telephone application: Call the bank’s customer service hotline 40088-95558 to verify your identity, and then transfer to manual service to apply for a temporary quota.

Also, you need to use your credit card for shopping more often, so that you can repay the money on time, preferably in full, which will also help to increase your credit limit.

2. Guangfa Bank’s limit increase strategy

(1) Online application: First log in to online banking, click on credit card, then click on limit management, and finally click on limit adjustment application to make the online application Bank self-service application. To facilitate the memory card limit, you should apply in integer multiples of 1,000. The application result must be reviewed by the system, but you will be notified in real time, no later than 3 working days, by phone or text message.

(2) Telephone application: First call the service hotline 95508, press 1 for voice verification of identity, and then adjust the limit according to the voice prompts.

(3) SMS application: Edit the SMS and send it to 95508.

(4) Edit the desired amount for the last four digits of the text message XTE.

(5) Mobile Internet Banking: First click on credit card, then click on credit card settings, and finally click on limit application.

3. Agricultural Bank of China’s strategy for increasing the limit

(1) Online application: However, logging in to online banking can only adjust the temporary limit.

(2) Telephone application: Call the service hotline 4006695599, verify your identity first, and then apply for a limit increase through manual service.

(3) You can also raise the limit on the official WeChat or go to the counter.

4. Bank of Communications’ limit increase strategy

(1) Online application: Log in to the Bank of Communications Credit Card Center to apply for limit adjustment. The system will automatically determine the fixed limit and the temporary limit.

(2) Telephone application: Dial 4008009888, adjust the limit according to the voice prompts, and the application result will be informed immediately.

(3) Card cancellation method: After canceling the card, the customer service will say that you are a high-quality customer, and someone will contact you in about a few days. Then you check the limit in two days, and you will see that the limit has increased.

(4) Or if you freeze your credit card for half a year or even, you will find that the limit has increased.

5. When applying for a credit card limit increase, you must strictly follow the timetable prescribed by the major banks. You can check online the timetables of major banks for applying for fixed limit and temporary limit increases.

6. Other tips for increasing the amount and depositing by credit card.

Let me first talk about when is the right time to make a deposit. The time when banks increase the limit is May and August. We will use the card from March to April and June to July. First, maintain a good card. Then take out the saved money and get another card. If you get two cards every year, that would be great. The deposit should not exceed 5 times the credit card limit. For example, if the card limit is 10,000, you need to deposit 40,000. Just follow this rule, and then keep swiping your card for consumption. Once your bank balance is sufficient, it means that your consumption demand is high, so you can apply for a limit increase.

The above are the cheats I compiled for increasing your credit card limit. I hope it will help everyone.

Please keep the secrets on how to increase the credit limit of Huaxia Credit Card

Generally speaking, when you apply for a credit card for the first time, the approved limit is not very high. If the cardholder is not very satisfied with the credit card limit in his hand, after holding the card for a period of time, the cardholder can apply to the bank to actively increase the limit. Next, I will introduce to you how to increase the limit of Hua Xia Credit Card.

How to increase the credit limit of Huaxia Credit Card is indeed critical, but we must first figure out under what circumstances the credit card limit can be increased. Cardholders can take the initiative to apply for a limit increase, and banks will also take the initiative to increase the limit.

1. The cardholder actively applies for a limit increase. To apply for a permanent limit increase for the first time, you need to have opened the card for six months. You can just call the customer service of Hua Xia Bank Credit Card Center to apply. The bank will decide whether to agree to permanently increase the limit and give the amount of increase based on the personal credit card usage.

2. The bank actively raises the limit. Usually banks will take the initiative to increase credit card limits for cardholders before the peak consumption periods of holidays such as New Year's Day, Spring Festival, May Day, and National Day. In addition, if your card's monthly consumption limit often reaches 60%-100% of the usage limit, the bank will generally take the initiative to increase the limit for you based on usage.

There are several tips on how to increase the limit of Huaxia Credit Card.

1. There are skills in swiping credit cards

1) High frequency of swiping cards: In daily life, it is best to develop the habit of swiping cards whenever you can. Not only can you make full use of the bank's interest-free period, but also Become an active user of your bank.

2) High consumption amount: If you can repay normally after a large amount of consumption, you may be listed as a high-quality customer by the bank. After determining whether the cardholder has a larger demand for the amount, the limit may be increased. .

2. The credit must be good

A good personal credit record is the standard for banks to measure cardholders. It is best if you can repay the credit card in full during the use of the credit card. , you can choose the minimum repayment, but be sure not to repay overdue. Once there is a record of overdue repayment, the bank will not only not take the initiative to increase your credit limit, but will also most likely reject your request for a credit limit increase.

3. Seize the initiative

1) Take the initiative. Cardholders can submit proof of financial income and make an application to Hua Xia Bank. Hua Xia Bank will review the card holder based on their past card usage history, repayment records, etc., and will appropriately adjust the credit card limit for the card holder after passing the review.

2) Threat of card cancellation. If your application for a limit increase is rejected, you can threaten to cancel the card. Generally, bank customer service staff will provide incentives such as limit increases and gifts after receiving a card cancellation application. However, for some state-owned banks or joint-stock banks with large card issuance scales, the success rate of applying for a limit increase through the threat of card cancellation is very low.

4. Temporary quota increase is possible

If you need an emergency, you can apply for a temporary quota. You can call Hua Xia Bank's 24-hour customer service hotline at 400-669-5577 to contact the customer service specialist. The temporary limit increase can take effect immediately after application, unless the cardholder whose limit increase is large or whose past credit status is average needs to be reviewed, but a reply will generally be given within 2 to 3 working days.

Cheats! Tips for increasing the credit limit of Bank of Communications

Some credit card limit increase methods are applicable to all banks, but some are only applicable to some banks. The most important thing is to have an appetite for this bank. Do you know how? Do you want to increase the limit of your Bank of Communications credit card and upgrade it? I’ll secretly teach you some tips~

1. Tips for increasing credit limit of Bank of Communications credit card

1. Call to cancel the card: When you call to cancel the card, the customer service will definitely retain you. , you will be told that you are a high-quality customer, and someone will contact you in about 5 days. Then a day or two later, when you check the limit, you will find that the limit has been increased. Nowadays, major banks are competing for customers and seizing the credit card market. Of course, they are not willing to lose a customer easily.

2. Frozen credit card: If you don’t use this credit card of yours, you can use other ones. Generally, the limit will increase naturally in half a year or a year. This is a bit contrary to our usual recommendation of swiping more cards and spending more, but it is actually useful. Can you believe it? If you don’t believe it, try it!

3. Good credit record: This is the most basic condition for you to raise your limit. You must ensure that during the period of getting the card and using the card, you will repay the loan in full and on time every time. With good credit, banks can lend you more money with confidence.

4. There are many types of consumption: This technique works everywhere, which proves your reliance on the card issuing bank. As long as you can swipe your card, you have to swipe it, the more types of merchants there are. The better, for food, drink, entertainment, travel and entertainment, it’s best to use credit cards for everything.

5. Large amount of consumption: The minimum standard for consumption amount is to use at least 30% of the existing quota every month. The greater the amount of consumption, the greater the possibility of increasing the amount of the existing quota. If you only use a little, what's the use of increasing the amount? So no matter how much money you have, you should swipe the card, and you must swipe the card for large purchases. If the limit is not enough, apply for a temporary limit increase. The more times you apply for temporary quota increases, the easier it is to increase your permanent quota.

If the first two points are for Bank of Communications credit cards, the next three points are tips for increasing the credit limit that are applicable to all credit cards~

2. Bank of Communications credit card upgrades Tips

The credit card limit is always limited. When your regular card limit is not enough, you still insist on swiping your card for consumption, and you are on the verge of maxing out your credit card every time. Credit card upgrade is just around the corner.

In addition, the way to get an invitation to apply for a platinum credit card is to freeze your credit card for a period of time and then go directly to spend 10,000-20,000 yuan overseas. You don’t need to wait too long, and you will receive Send a message to apply for the card.

Warm reminder, you must remember to repay the loan in time, otherwise everything you do will be in vain!

Is it difficult to apply for a credit card for the first time when you are 18 years old? Essential tips for successfully applying for a credit card

In the application conditions for the main credit card of each bank, the age requirement is to be over 18 years old , if you want to apply for a credit card for the first time at the age of 18 and successfully pass the bank's review, you need to master some card application skills. Today I would like to explain to you the question of whether it is difficult to apply for a credit card for the first time at the age of 18.

As Chinese citizens, 18-year-olds may still be students who have not yet entered society, or they may have just started working, or even some have neither studied nor worked. Therefore, it is more difficult for these types of people to successfully apply for a credit card. of.

First of all, we need to understand the basic conditions for each bank to issue credit cards:

1. Be between 18 and 65 years old and have full capacity for civil conduct (this condition is met );

2. Stable job and income, in other words a certain ability to repay (relatively lacking in this aspect);

3. Good personal credit ( Under normal circumstances, the credit record of an 18-year-old card applicant is zero).

In general, whether it is difficult to apply for a credit card for the first time at the age of 18, the key depends on the applicant's credit conditions. Furthermore, the applicant needs to choose a credit card that suits him or her based on his or her actual situation.

If you are a college student, you can apply for college student credit cards issued by major banks, such as the 666 theme card campus version, campus youth card, mobile card campus version issued by Shanghai Pudong Development Bank. You only need to provide supporting documents such as your ID card, student ID card, and admission notice. Of course, it is best not to have student loans, otherwise it will also affect the credit card approval rate.

If you have just started working as an intern, you can provide proof of employment to the bank. However, because your job is not stable, your income is not high, and your credit record is not very good, so it is recommended. This type of cardholders who apply for a credit card for the first time at the age of 18 can choose to apply for entry-level credit cards (regular cards), such as CMB YOUNG card, CITIC Baitiao co-branded card, Bank of Communications Y-POWER card, etc.

Is it difficult to apply for a credit card for the first time at the age of 18? Through the above analysis, everyone has an answer to whether they can successfully apply for a credit card.

This concludes the introduction to credit card secrets and credit card secrets source files. Have you found the information you need?