it's quite convenient.

Ping An Bank's credit withdrawal method:

1. Temporary credit card transfer.

after the cardholder successfully applies for a credit card for the first time, he applies for a temporary credit line for the first time. Most banks stipulate that it is necessary to open the card for three months, and then call the customer service of the credit card center to apply. Generally, the temporary credit line is valid for 3-9 days.

2. permanent credit card transfer.

after successfully applying for a credit card for the first time, the cardholder applies for a permanent credit line for the first time. Most banks stipulate that it is necessary to open the card for six months and call the customer service of the credit card center to apply. The bank will decide whether to approve the permanent credit line increase and give the amount of withdrawal according to the personal credit card usage.

Third, the bank actively adjusts the amount

The bank will actively increase the credit card limit for cardholders before the peak consumption periods such as New Year's Day, Spring Festival, May Day and November. In addition, if the monthly consumption amount of your card often reaches 6%-1% of the usage amount, the bank will generally take the initiative to raise the amount for the customer according to the usage situation.

Fourth, daily use of credit cards, quick withdrawal methods:

1. High frequency of credit card swiping

In daily life, it is best to get into the habit of swiping your card whenever you can. On the one hand, you can use the interest-free period of the bank for free, which will add a little extra wealth management income to yourself. On the other hand, you will become an active user of the bank invisibly, and usually the bank will give a quota reward to the active users of the bank.

2. The amount of consumption is high

Irregular large-scale consumption can be repaid normally afterwards. This part of cardholders is usually defined as high-quality customers by the bank. After judging whether the cardholder has a large amount of demand, the credit limit will be increased as appropriate.

3. Continuous and stable consumption takes a long time

Generally, for credit cards that have been held by cardholders for more than one year and have transactions every month, the bank will take the initiative to withdraw the amount for these customers. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are relatively high.

4. Cardholders who withdraw cash frequently and often do credit card installment

For banks, the risk coefficient is very high, but at the same time, the cardholders who withdraw cash also have the highest contribution to the bank.

the risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate will be high when applying for credit line withdrawal.

5. The threat of card cancellation

In the era of credit card jockeying, if the customer service staff receives an application for card cancellation, they will often beg in every way, ask the reasons, and then give incentives such as cash withdrawal and gifts. However, at present, for some state-owned banks or joint-stock banks with large card issuance, it has gradually fallen behind and the success rate is very low.