The credit card limit is low and cannot meet the usage needs. This problem has become a focus issue that troubles many cardholders. Therefore, quickly increasing the credit card limit has become a top priority for cardholders. In this issue, Rong360 introduces you some tips to quickly increase your quota. \x0d\Clearly know the bank's credit limit adjustment method\x0d\Credit card temporary limit adjustment---After the cardholder successfully applies for a credit card for the first time, the cardholder applies for a temporary limit increase for the first time. Most banks require that the card has been opened for 3 months. Please call the credit card You can apply through the center’s customer service. Generally, the temporary quota is valid for 30-90 days. \x0d\ Credit card permanent limit adjustment cardholders apply for a permanent limit increase for the first time after successfully applying for a credit card for the first time. Most banks require that the card has been opened for 6 months. You can just call the customer service of the credit card center to apply. The bank will use it according to the personal credit card. situation, decide whether to agree to a permanent increase in the quota, and give the amount of the increase. \x0d\Time point for banks to proactively adjust credit limits\x0d\As competition in the domestic credit card market becomes increasingly fierce, most banks have stepped into the era of intensive farming from horse racing. Banks have taken the initiative to increase credit limits for normal credit card holders. Become a strategy. Usually, banks\x0d\ will take the initiative to increase credit card limits for cardholders before peak consumption periods 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 usually take the initiative to increase the limit for you based on usage. \x0d\Tips for daily use of credit cards, quick credit limit increase\x0d\1. Frequency of credit card swiping\x0d\In daily life, it is best to develop the habit of swiping the card whenever you can. On the one hand, you can use the bank's interest-free period for free, and benefit yourself Adding a little extra financial income, on the other hand, you also become an active user of the bank. Usually, banks will have quota rewards for active users of the bank. \x0d\2. High consumption amount\x0d\ Irregular large-amount consumption, and then normal repayment. Banks usually define these cardholders as high-quality customers. After judging whether the cardholder has a larger amount of demand, , increase the amount as appropriate. \x0d\3. Continuous stable consumption for a long time\x0d\Banks generally have credit card credit card holders who have been cardholders for more than 1 year and have transactions every bill month. Banks will usually take the initiative to raise credit cards for these customers. Well, if the customer actively applies for a permanent limit increase, the bank has a higher chance of approval. \x0d\4. Frequent cash withdrawals and frequent credit card installments\x0d\ Cardholders who frequently withdraw cash by credit card have a very high risk factor for the bank, but at the same time, cardholders who withdraw cash also make the highest contribution to the bank The risk for installment users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high. \x0d\5. Threat of card cancellation\x0d\ In the era of credit card turmoil, if customer service staff receive a card cancellation application, they will often beg in every possible way, ask for the reason, and then provide incentives such as limit increases and gifts. However, this method is currently For some state-owned banks or joint-stock banks with large card issuance scale, applying for a credit limit increase through the threat of card cancellation has gradually fallen behind, and the success rate is very low. \x0d\Finally, a high-limit credit card does not mean everything. As long as it can meet personal consumption needs, the card can be used normally. Cardholders should develop a good card usage habit and use the card according to their personal consumption ability. Don’t use credit cards to spend without restraint.