When applying for increasing the credit line, the bank will judge whether the credit card can be withdrawn according to the cardholder's use of the card, and the bank will make a comprehensive analysis and judgment according to the system. If the application is submitted through the system, the system will have a maximum adjustable quota. If it is a manual application by telephone, the staff will apply to the relevant audit department according to the cardholder's consumption index, repayment record and consumption habits. Or when the financial level of the cardholder has improved to a certain extent, it can also provide relevant certificates to the bank, and the audit department will evaluate the credit limit of the cardholder according to the attached materials provided by the cardholder.

Credit card limit audit standard

Marital status: married customers will be more stable than single customers and more favored by banks;

Working conditions: employees in industries with high stability can get extra points;

Economic ability: people with detailed personal income certificates, stable income and long-term income growth prospects;

Personal housing: owning personal housing can also show that individuals have a certain economic foundation and can get extra points;

Credit history: If the borrower has an account in the bank in the past and often has money in and out, the bank will also consider adding points as appropriate;

Education: Graduate degree or above will be higher.

China merchants bank credit card withdrawal related.

Apply for temporary credit line: the cardholder must hold the card for at least three months before applying for temporary credit line, and the bank will adjust it according to the customer's credit status and card usage. The validity period of the temporary credit line is up to 3 months, and the credit line will be automatically restored to the original one after expiration.

Application for fixed credit limit: it takes at least half a year to apply for a card. At the same time, the applicant needs to provide sufficient credit certification materials for review by relevant departments. It usually takes 3 working days to get the results.