What is the credit limit of Industrial Bank and how to increase it?

Industrial Bank credit card limit:

The limit of a regular card generally does not exceed 10,000 yuan. The specific application conditions depend on your personal application conditions.

The main difference between the regular card and the gold card lies in the size of the credit limit and the annual fee. The limit of regular cards generally does not exceed 10,000 yuan, and the limit of gold cards generally does not exceed 50,000 yuan. The annual fee for a regular card is generally 100 yuan, and the annual fee for a gold card is generally 200 yuan.

If the Industrial Bank credit card limit cannot meet the current user needs, cardholders can choose to increase the limit. There are generally two methods:

1. Apply for a temporary limit increase: Users can apply to Industrial Bank If you apply at the Credit Card Center, your limit will be increased in the short term, and there will be a temporary limit increase of 1 to 3 months after approval.

2. Application for permanent limit increase: Only after the user has held the card for more than half a year can he apply to the Industrial Bank Credit Card Center for a permanent limit increase. This method is once and for all, and once the limit is increased, it will not be subject to time limits.

Conditions for applying for a quota increase:

1. Sufficient financial proof

When applying for a quota increase, provide as much proof of your financial resources as possible, such as Proof of income, bank deposit certificate, real estate certificate, car ownership certificate, etc. With these supporting materials, the amount will naturally be higher. If you later have a deposit in Industrial Bank, you can apply for an increase immediately, and the success rate is very high.

2. There must be no overdue records

Credit record is an important factor in judging credit card limit increases. Remember to ensure on-time repayment. If you really cannot repay in time, or you cannot even meet the minimum repayment amount, you must call Industrial Bank’s 24-hour customer service hotline: 95561 in advance, explain the reason, and apply for a grace period of a few days.

3. Make as many card purchases as possible

The number of card purchases, the amount, and the types of merchants should be as large as possible. Within half a year, it is best to have a total monthly card consumption amount of If the limit is above 30, if you can only use a small part of the limit each month, then even if the bank increases the limit, it won't make much sense.

How to activate the over-limit service of Industrial Credit Card?

If the user needs the over-limit service of Industrial Credit Card, edit the text message to the dedicated number of Industrial Credit Card to complete the activation. Or users can call the customer service hotline or go to the bank counter to directly activate the over-limit service. After the over-limit function is activated, the user's credit card can be used beyond the limit, but over-limit use requires a certain over-limit fee.

Users can also try to apply for a temporary credit card limit. After successfully applying for the temporary limit, they only need to use it within the validity period and do not need to pay additional fees.

Credit card cancellation method:

1. Call the bank’s credit card center and ask about cancellation related matters. It mainly depends on whether your card is suitable for cancellation, whether there is a balance, etc.; use the phone to cancel the credit card After receiving the call, the bank will accept the user's application for canceling the credit card, and after deducting the annual fees payable for all cards under the account, the account balance will be zero or the customer has explicitly given up the remaining deposits in the account.

2. Go to the bank counter to cancel the credit card. The cardholder must bring his or her ID card and the credit card to be canceled to the bank to fill out a card cancellation application form. The card may be collected first and the corresponding card cancellation procedures will be done one month later. However, you can also directly make an appointment to cancel the account on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. After canceling the card, it is recommended to cancel the account, otherwise there may be some problems in applying for a credit card again; if there are still points in the credit card to be canceled that have not been used up, it is recommended to cancel all the points first. Cancel the card after redemption; cardholders should not use the credit card after submitting the credit card cancellation application until it is officially effective, otherwise the card cancellation application will be automatically revoked; after formal cancellation, cut along the credit card's magnetic strip and discard it to prevent theft.

If the cardholder's credit card limit is very low and they choose to cancel the credit card at this time, the cardholder also needs to pay attention to his or her card holding situation.

If this is the first time you apply for a credit card, it is recommended that you do not cancel it, because with this credit card you can better maintain your personal credit. By swiping the card to improve your personal credit, it is also very useful for applying for credit cards from other banks in the future. Helpful. If the cardholder holds a very large number of credit cards and thinks that his or her credit cards are enough and wants to cancel the credit card, the cardholder also needs to seriously consider when applying for cancellation. If he or she holds too many credit cards, It will become more and more difficult to apply for a card, and it will become easier to cancel it.

What are the solutions for insufficient credit limit on Industrial Credit Card?

Many bank credit cards have an over-limit function, which allows cardholders to exceed their limit. However, many people have failed to exceed the limit on their Industrial Credit Cards. So what are the solutions to the insufficient limit on Industrial Credit Cards?

1. Apply for a temporary limit: Cardholders who have used the card for 3 months and maintained good card usage behavior can apply for a temporary limit from the bank. If the bank's comprehensive evaluation reaches the standard, the limit will be increased regardless of whether it is there or not. If the credit limit is successfully raised, the credit record of the cardholder may be checked.

2. Increase the repayment limit: If the credit card is successfully repaid, the available limit can be restored. If there is an unpaid balance this month, it is best to repay the consumption after the bill comes out. Reduce the repayment pressure of the current period, and the consumption after the second bill will be included in the next bill.

3. Apply for Xixin points: This is the special consumption limit of Industrial Credit Card, which exists separately from the credit card limit. After processing, it will be transferred to the credit card account, and it can also increase the available limit of the credit card. However, the limit of Xixin points is up to After the account is settled, the balance of the bill will be deducted first, and the remaining money can be used for consumption.

The above is an introduction to the solutions to the insufficient credit limit of Industrial Credit Card. I hope it can give you some reference.

How to increase the limit of Industrial Bank credit card

Industrial Bank can increase the fixed limit and temporary limit. The method of increasing the limit is:

1. Increase the fixed limit: Users can Directly call the Industrial Bank Credit Card 24-hour customer service hotline 95561 and apply to the customer service staff for an increase in the fixed limit. However, it is best to use the credit card for more than half a year, so the chance of successfully increasing the limit will be higher.

2. Increase the temporary limit: You can also apply for increasing the temporary limit by calling the customer service hotline of Industrial Bank. It should be noted that the temporary limit has a certain period. After expiration, the credit limit will be automatically restored to the original value. amount.

Tips for increasing the credit limit of Industrial Bank Credit Card: 1. Increase the limit in installments: If the new card has been used for more than three months, the cardholder can actively apply for a limit increase. The bank will generally not approve it. At this time, the card holder should continue to swipe the card. Repay the loan in full and on time, persist for a few more months, and apply to the bank again for an increase. Generally, the application will be accepted the second time.

2. Maintain good habits: When using the card on a daily basis, do not withdraw cash frequently and do not swipe the card at fixed times to avoid being suspected of arbitrage by the bank.

3. Provide proof of financial resources: If you still have financial proof that you have not provided when applying, you can go directly to the bank counter to apply. These certificates include: cars, real estate, bank deposits, salary increase certificates, social insurance policies, bank financial insurance products, etc.

How to increase the limit of Industrial Credit Card?

The method of increasing the limit of Industrial Credit Card is as follows:

1. Use your mobile phone to call the 24-hour customer service hotline 95561 and listen to the voice prompts. Select "Quota Inquiry and Adjustment" or "Manual Service" to apply for a quota increase.

2. Download Industrial Bank Mobile Banking, swipe right in the middle of the main page to find "Credit Card Settings", click to enter and you will see "Fixed Amount Management" and "Temporary Amount Management", and then you can apply for withdrawal. Forehead.