How to apply for a temporary limit with a credit card? Six major methods to help you solve the problem
Credit card limit increases can be divided into fixed limits and temporary limits. If you want to increase the fixed limit, cardholders need to master it. There are various card swiping techniques, and in order to ensure that the usage limit is up to standard, additional consumption may even be required, which is not cost-effective for many cardholders who do not have very strong consumption needs. The application for a temporary credit limit is not that cumbersome and does not require cardholders to spend aggressively, and it can also meet your temporary consumption needs. Let me teach you how to apply for a temporary limit on a credit card.
1. Application at a bank outlet
If you apply for a temporary credit limit through a bank outlet counter, the cardholder can provide additional asset certification materials, which will help you apply for a higher limit. Temporary quota.
2. Online banking application
Directly log in to the official website of the credit card center of the card issuing bank, which will provide a platform for temporary limit application, just click submit. Generally, the temporary limit applied for through online banking is 10% of the credit limit.
3. Customer service phone application
Because the threshold for applying for a temporary credit card limit is relatively low, you can directly call the customer service number of the card issuer, verify your identity, and apply for a temporary limit to the customer service. This method is more convenient and faster, and is highly praised by card friends.
4. SMS application
Send the content set by the bank to the bank customer service number through the mobile phone number bound to the credit card. Take CCB as an example, "ccte#last four digits# application quota" After reaching 95533, the quota adjustment result will be received in less than 1 second, and the temporary quota expiration date will be clearly marked.
5. WeChat public account application
Follow the card issuer's WeChat public account and bind your credit card to it, and you can apply for a temporary credit card limit through the menu bar.
6. Application for mobile banking APP
Summary: How to apply for a temporary limit with a credit card. The above 6 methods are all available, but card friends also need to understand that applying for a temporary credit limit requires a card. The person has been using the card continuously for at least 3 months, and there has been no bad credit during this period.
How to apply for a temporary credit card limit? There are mainly 4 ways!
The credit card limit is divided into two parts: temporary limit and fixed limit. As the name suggests, the fixed limit is the inherent limit of the credit card, while the temporary limit has a validity period. Generally, the credit card limits we talk about are fixed limits. Have you ever applied for a temporary credit card limit? Many friends don’t know how to apply for a temporary limit on a credit card. Today I will introduce 4 methods to you.
1. Customer service phone application
Credit card holders can directly call the customer service center number on the back of the credit card and apply for a temporary limit directly with customer service. If you meet the application qualifications for a temporary quota, the quota will generally be given to you directly.
2. Mobile banking application
Download the mobile banking APP directly on your mobile phone. After binding your credit card, you can apply for a temporary quota directly in the APP. If you meet the qualifications, you can get the quota immediately.
3. WeChat public account application
Follow the bank’s official WeChat public account, and also need to bind a credit card. Follow the prompts to apply for a temporary credit limit, which is usually available in the limit management. .
4. Application on the official website of the bank
The credit card business of each bank has an entrance on the official website, and you can apply directly on the official website. If you have any questions, you can also ask online customer service, which is convenient and simple.
The above is the way to apply for a temporary credit card limit. It should be noted that the temporary credit card limit needs to be paid off in one go. After the temporary limit expires, the limit will be restored! Friends in need can try these 4 methods!
How to apply for a temporary limit on a credit card? It is common to apply via customer service phone number
Applying for a temporary limit on a credit card is generally a prelude for the cardholder to increase the fixed limit of the card, because it is difficult to increase the fixed limit of the credit card. So, how to apply for a temporary limit on a credit card? Here are the detailed answers for you.
1. Customer service phone application
Because the threshold for applying for a temporary credit card limit is relatively low, you can directly call the customer service number of the card issuer, verify your identity, and apply for a temporary limit to the customer service. This method is more convenient and faster, and is highly praised by card friends.
2. Online banking application
Directly log in to the official website of the credit card center of the card issuing bank, which will provide a platform for temporary limit application, just click submit. Generally, the temporary limit applied for through online banking is 10% of the credit limit.
3. Application at a bank outlet
If you apply for a temporary credit card limit through a bank outlet counter, the cardholder can provide additional asset certification materials, which will help you apply for a higher limit. Temporary quota.
4. Mobile banking APP application
Log in to the card-issuing bank’s mobile banking APP and apply through the temporary limit application platform. Some banks will directly display the maximum limit that can be increased. Cardholders can also determine the specific increase limit within the scope of the applicable limit. Personally test China Merchants Bank’s “Pocket Life” APP.
5. Bank WeChat official account
Follow the card issuer's WeChat official account and bind your credit card to it, and you can apply for a temporary credit card limit through the menu bar.
How to apply for a temporary credit limit with a credit card, all of the five methods provided are acceptable, but you cannot apply for a temporary limit too hastily. You need to maintain good use of the card for at least 3 months before you can apply.
How to apply for a temporary limit for China Merchants Bank credit card
1. Install the China Merchants Bank app on your mobile phone, and then open the software.
2. Click My to enter this interface.
3. Enter the password on the pop-up page and log in to your own Netcom.
4. Click on Personal Consumption Credit Card.
5. Click on Credit Limit.
6. Click on Temporary Quota.
7. Enter the amount you need in the temporary demand amount. Of course, this amount cannot be greater than the maximum amount that can be increased. Then click Send Verification Code, and then enter the verification code received on your phone.
8. Click Submit. After submission, you will immediately see a notification that your application has been approved. Next, you can use your credit card with confidence again.
Extended information
China Merchants Bank Credit Card Center adopts nationwide centralized operation. It is the first credit card center in China that operates independently in full compliance with international standards, truly realizing the integration of credit cards. , professional services. While refreshing credit card records one by one, China Merchants Bank Credit Card adheres to the service concept and innovative spirit of "changing because of you", actively explores the market, expands market alliances, and deepens market segmentation. The functions and services of credit cards are increasingly enriched and improved. It is China's One of the most innovative joint-stock commercial banks.
Since the launch of the credit card business at the end of 2002, it was the first to launch the "swipe the card to buy air tickets and get free flight insurance worth millions", the first to launch the "overseas consumption, repayment in RMB" business, and led the industry in launching interest-free credit card services. Installment payment business, and was the first in the industry to launch innovative functional measures such as "SMS transaction reminder" and "Lost Card Protection".
In addition, the country’s first permanent points validity system and international 24-hour roadside assistance service have gradually become the service standards of the domestic credit card industry. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption industries to provide cardholders with Provide products and functional services in a dual sense.
In April 2006, China Merchants Bank occupied the largest market share in the industry in terms of card issuance volume, and officially announced that it would take practical actions to create a "five-star credit card"; in September 2007, China Merchants Bank took the lead in proposing The "five-fold security" credit card service concept has consolidated its position as a leading brand in the industry.