The first way to increase the credit card limit is to spend as much as possible.

The number and amount of credit card spending should be as much as possible. Generally speaking, the total expenditure for half a year should reach at least 30% of the quota. The bank credit card center will adjust the limit according to your credit card usage rate and repayment record.

In addition, compared with online consumption, physical store credit card consumption is more likely to be increased, such as household appliances consumption, catering consumption, supermarket shopping and so on. In short, try to swipe your card if you can.

Method 2: increase the credit card limit: take the initiative to apply for withdrawal after half a year.

Under normal circumstances, after the credit card is used for half a year, the cardholder can take the initiative to apply for increasing the temporary credit limit or credit limit of the credit card. There are many ways to apply for withdrawal, such as online, telephone, SMS and WeChat, depending on how the bank provides services.

Due to the increasingly fierce competition in the domestic credit card market, it has become a strategy for banks to actively increase the quota of normal credit card holders. Usually, before the peak consumption periods such as New Year's Day, Spring Festival, May Day and November Day, banks will take the initiative to increase the credit card limit of cardholders. In addition, if the monthly consumption amount of your card often reaches 60%- 100% of the usage amount, the bank will generally take the initiative to raise the amount for you according to the usage situation.

Method 3: increase the credit card limit: repay in full and on time, and exempt from late fees.

After spending by credit card, make sure to repay in full and on time every month. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect the application for credit cards in the future. If you can't repay in time, you must call the bank's customer service hotline in advance to explain the reasons for applying for a few days grace period. Most banks can give a grace period of three days, among which Guangfa Bank and China Construction Bank can give a grace period of five days.

How to increase the credit card limit?

1. swipe more cards to enrich the consumption range.

Continuing to swipe your card is an important aspect to prove your financial strength. Always use a credit card, no matter how much it costs, you can swipe your card anywhere.

At the same time, don't just swipe your card to buy something, so it is easy for bank risk control to think that there is a suspicion of credit card cashing. Normal consumption should include all aspects of food, clothing, housing, eating, drinking and having fun.

If you still swipe your card overseas, it will be even more icing on the cake. Consumption abroad is mainly based on settlement, while repayment is in RMB. For banks, they can not only earn domestic fees, interest, etc., but also earn currency exchange rate conversion fees. Of course, banks are very encouraging and welcoming, and even many banks have launched large-scale full reduction activities in consumption abroad.

However, it should be noted that spending more on credit cards does not encourage you to spend indiscriminately, but instead uses credit cards when you can pay cash. Then the cash can be used for current wealth management, such as putting it in Yu 'ebao or Wu Tong Wealth Management every week to earn money, and then taking it out for repayment when the maturity date approaches. This not only uses the interest-free period to earn interest, but also "raises the card", killing two birds with one stone.

2. Small amount or many times

Some banks especially like users who spend a lot of money. Don't be too lazy to swipe your card because of the low consumption quota. A large number of credit cards can show the bank that you are an active and quality user.

Of course, some banks prefer large consumption, and it is best to spend more than 80% every month. In any case, the most important thing is to spend by credit card rationally, and think clearly whether what you want to buy is necessary or dispensable.

3. Appropriate staging

We all know that the handling fee generated by credit card installment is very high, and we are generally not encouraged to handle the bill by installment. But proper staging can also help you increase the amount. Why? Because you make money for the bank, "reciprocal" banks are not easy to refuse.

For those who want to raise a card, it is still of certain reference significance to stage it appropriately.

4. Provide proof of financial resources

If you have a high-quality work unit, you can add extra points for cash withdrawal, but you can also add more detailed personal information and asset certificates, such as real estate license, driver's license, money fund or trust assets.

A simpler and ruder way is to deposit money directly into the bank's savings card, or buy bank financing to let the bank know your financial situation. It is difficult for banks to refuse such high-quality customers.

5. Active application for withdrawal

Every once in a while, you can call customer service to apply for an increase.

The following three situations are more likely to be approved:

1. Apply for the first withdrawal after the new credit card has been used for half a year. Generally, every withdrawal application is half a year apart;

2. Apply for withdrawal after staging;

3. Apply for cash withdrawal after a single large transaction.

6. Repay on time

The repayment must not be overdue, and it is also an important factor that affects the withdrawal amount. It is also emphasized that it can be phased appropriately.

Although banks like to put their money where they can make money, they are more concerned about when the money can be recovered. Therefore, the above measures can play a role in timely repayment.

In addition, if your credit card is deactivated for a period of time, the bank will take wake-up measures for such users. Wake-up measures are nothing more than raising the quota or providing interest-free installment, so you should seize the opportunity.

How to increase the credit card limit

Customers can adjust the credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through the menu of "Credit Card-Card Service-Line Adjustment";

2. Pay attention to the official WeChat of "China Construction Bank" and handle it through the menu of "Credit Card-Bill/Repayment/Limit Management" after binding the credit card.

Note: The above channels all support temporary quota adjustment and permanent quota adjustment.

(In case of business changes, please refer to the actual situation. )

How can I improve my credit card?

1. Reduce debt: Cash withdrawal by credit card depends on whether the cardholder has repayment ability, and the debt ratio is also one of the factors that affect repayment ability. Once the personal debt ratio exceeds 50%, the bank will think that the cardholder is very risky, and it is basically impossible to withdraw cash if it exceeds 70%. Personal debt ratio can be calculated according to the formula = total debt/total income 100%.

2. consumption abroad: consumption abroad Bank will earn more fees, and it will be easier for banks to recognize the spending power of cardholders. However, consumption abroad usually needs to be reported to the bank, and the bank may increase the amount immediately after the declaration, or it may increase the amount during the process of swiping the card, such as after swiping the card.

3. Move bricks to increase capital: If possible, you can directly deposit more than 50,000 yuan in the issuing bank, or buy some funds, wealth management products, insurance, etc. Sold by the bank to prove your financial ability to the bank. With these assets as collateral, banks will definitely feel more at ease when withdrawing credit cards.

4. Bill installment: The handling fee contributed by bill installment is one of the sources of bank profits. It doesn't mean that the more stages, the better, but to master a degree, which can be divided into 1~2 times every six months, and the amount is more than 5000 yuan. It is better to handle it in six stages after receiving the invitation from the bank, which is more successful than manual staging.

5. Curve withdrawal: If you still can't withdraw the amount through the above methods, you can try curve withdrawal, that is, apply for another credit card at a bank with a credit card. Usually, if you can approve the card, the amount of the card will often be higher than that of the existing credit card.

Borrowers apply for loans too frequently or operate loans too frequently, which will increase personal credit risk. You can check the personal credit risk index in Winnie Hsin. The higher the risk score, the easier it is for the application to be rejected.

Extended data:

What are the credit card withdrawal methods?

Generally speaking, there are several ways to increase the amount:

1, more credit cards, more spending. Whether it is online consumption or entity consumer bank loan-interest network, credit cards are the preferred payment method within the scope of benefits. If you swipe more, it will naturally increase, and ordinary credit cards can be exempted from annual fees if they are swiped enough times.

2. Apply for installment payment. At present, most credit cards support installment payment, so it is very important to repay on time, otherwise it will cause overdue fees and affect personal credit;

3. In order to greatly increase the credit limit at the time of application, cardholders need to prepare various credit certificates. Such as proof of income, proof of house property right, proof of mortgage purchase, proof of automobile property right, proof of bank deposit, etc. Don't bother, after all, the richer the materials, the greater the possibility of successfully applying for a high credit line.

4. Apply for more temporary quotas. General banks will regularly send messages saying that there is a temporary quota to apply for, and after the temporary quota is upgraded, they should spend appropriately to lay the foundation for the later application quota.

So much for the introduction on how to raise a high credit card.