How to increase credit card limit

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

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

2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.

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

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

Bank of Communications credit card limit reduction is forcibly restored, do these points to easily increase the limit

Bank of Communications The credit card risk control is well-known in the industry. If you use the card poorly, the limit will be reduced without saying a word. However, as long as the status of your credit card is normal, it can still be restored after the limit is reduced. Some cardholders saw on the Internet that an intermediary was hyping up the forced restoration method of reducing the credit limit of Bank of Communications credit cards, so they came to ask how to do it. Let’s learn about it together.

In fact, whether the credit card reduction can be restored is determined by the bank based on the user's comprehensive score. Manual intervention is not possible. There is no such thing as forced restoration. Instead, as the intermediary said, forced restoration Restoration is probably to help you maintain your card through the POS machine. If the bank finds out that you are cashing out, it will easily cause the credit card to fall into a new round of derating, and the card may even be blocked.

So don’t believe what online intermediaries say about forced credit limit restoration. If you want to increase your credit card limit, you still have to use the card in compliance. Here are several ways to increase your credit card limit with Bank of Communications:

1.

First of all, you must use your card to make more purchases, and make more small amounts. More than 10 but less than 20 transactions a month. Alipay and WeChat are both acceptable. Sometimes Bank of Communications and Alipay will have activities. If you swipe your Bank of Communications card through Alipay, you will have the opportunity to receive random instant discounts.

2. Participate in Bank of Communications activities, such as weekly promotions for the hottest Fridays, daily benefits, etc., and go to cooperative merchants to make purchases. This way you can not only earn a lot of money, but also allow Bank of Communications to earn handling fees. , and more importantly, it can increase the system’s multi-dimensional evaluation of you.

3. Don’t use the temporary limit. After all, if you use it, the bank will think you are short of money and will strengthen risk control, making it harder to increase the limit. However, if you don’t use the temporary limit, and if you use the card well, maybe the temporary limit will be directly dedicated to a fixed amount.

How to increase credit card limit?

The ways to increase your credit card limit are as follows:

1. Swipe more cards. If you can use swipe cards, try to use credit cards. Wherever you can swipe cards, no matter how big or small the credit card amount is, choose swipe cards. Firstly, The credit card amount is relatively large, and the number of card swipes can make the bank feel that you are dependent on the credit card.

2. Appropriate installments. After the credit card bill comes out, you can make appropriate installments. The number of installments should not be too long, so that the bank can make money. It is also easy to increase the amount by making a few large transactions.

3. The credit card amount must be guaranteed every month. It is best to keep the credit card amount at about 40 of the total monthly amount. The more you brush, the better, you must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 yuan a month. This is of course inappropriate. This will make the bank think you are in danger and worry about whether your repayments will be late.

4. Apply to the bank for a temporary credit increase, especially during holidays, it is especially easy to apply for travel reasons.

5. Repay the loan on time without any overdue payment. If you use the card normally, the balance will be raised after 3 to 6 months.

6. Bank installment business should be handled reasonably so that the bank can make some money.

7. The types of card swiping merchants should be diversified and try to cover more than 10 industries, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.

How to increase credit card limit?

The application methods for credit card limit increase are:

1. Apply at the counter:

Card holders can bring With your ID card and credit card, go to the business hall outlet of the card-issuing bank and submit an application for a limit increase to the counter staff. Then hand your ID card and credit card to the staff. After review by the staff, if you meet the conditions for limit increase, the limit can be increased immediately. If you do not meet the conditions, you will be told to continue using the card and apply for a limit increase after meeting the conditions.

2. Customer service hotline application:

Cardholders can call the customer service hotline of the credit card center of the issuing bank. After answering the phone, follow the phone voice prompts to transfer to manual service, and then call the staff To apply for a quota increase, provide the staff with your personal ID number and credit card, and wait for the staff to verify your identity. If you meet the conditions, you will be informed that you can increase your quota, otherwise it will be rejected.