The permanent limit of a credit card refers to the fixed limit that has been increased. The permanent credit limit of a credit card is a permanent increase in the credit limit of the card, which is opposite to the temporary credit limit. The credit limit is based on a comprehensive assessment based on the information filled in by the individual and the relevant supporting documents provided when applying for a credit card. Of course, cardholders can also apply to adjust the permanent limit after using it for a period of time.

Basic information

When the credit limit requires a higher credit limit within a certain period of time, the bank can provide a temporary credit limit increase service. The range of the temporary credit limit increase is generally controlled within a fixed limit. 20%-50% of the credit limit. The increased temporary credit limit is generally valid within 30 days.

How to improve

While using the card, make more purchases with the card. Try to choose stores that accept credit cards for food, clothing, housing and transportation. The more frequently you use it, the more stable your monthly consumption limit will be. Change the original habit of cash consumption to credit card consumption. This shows your loyalty to the bank. The bank's information system will count the frequency and credit limit of your credit cards, and will automatically increase your credit limit in about half a year.

After half a year of normal use of the credit card, the cardholder can actively submit a written application or call the service phone to adjust the credit limit. The bank needs approval. Under normal circumstances, after reviewing the consumption record and credit record, the cardholder will adjust the credit limit to a certain extent. Increase your credit limit within the period.