How to increase the amount of CITIC Credit Card

CITIC Bank's credit card has always been strict, and many cardholders have complained that it is an "iron rooster". Although CITIC Bank's credit card is easier to pass the examination, for low-quota cardholders, the higher the credit card limit, the better. How can we quickly increase the credit card limit of CITIC Bank? Today, Xiao Qin will share with you the special skills of CITIC Bank's credit card increase!

I. Time of withdrawal

The first withdrawal time of CITIC Bank is 6 months after the card is released. After that, the temporary quota can be raised every three months and the fixed quota can be raised every six months. Therefore, we must grasp the time and avoid missing the opportunity to increase the quota. In addition, if you want to get a withdrawal, it is recommended that you use 8% of the overdraft limit in your credit card every month, and apply for a temporary limit during holidays or business trips, so that it is easier to trigger the withdrawal.

Second, consumption skills

1. Use your CITIC credit card to spend 15-2 transactions on POS of three different acquiring institutions, with a consumption cycle of 8-15 days; At the same time, go to the offline large supermarket to brush the bank direct POS, 3-5 pens; Add 1-3 pens to bind WeChat network consumption;

2. After the bill comes out, you must pay attention to the "insufficient balance" (for example, the credit card limit is 25,, and the direct consumption is about 12,). The consumption amount should be 3% greater than the fixed limit and 8% less than the fixed limit; At the same time, it must be more than 1% of the fixed amount available in the card!

3. After spending "insufficient balance" for half an hour, send a code with your mobile phone bound by CITIC Credit Card, and take the initiative to apply for withdrawal.

3. Curve withdrawal

I believe that card users are no strangers to curve withdrawal. By applying for a second card, when the amount of the second card is higher than that of the first card, it means that the curve is successful. It's easy to say, but it's hard to do. I believe that most card friends have tried this method, and many card friends have failed, because the selection of cards, the use of original cards and the timing of curves are very important to the success of curves. The success rate of this method is very high through the "curve withdrawal of single currency card", and the line under the curve is basically broken by 5w. The method is also very simple. The original card has specially optimized 3 bills, and each bill consumes at least 1 bill. The fourth bill is a single-currency card in the direct curve. After the card is released, the original card quota will be leveled synchronously. This method works every time!

4. Special consumption

1. If the above method can't make you meet the conditions of credit card withdrawal of CITIC Bank, it can only prove that your credit card is "poor" or "poor credit card use"! Use the consumption freezing withdrawal method

2. Operation method: From the second bill, your credit card only consumes one RMB, and another three pounds or Hong Kong dollars (which is the consumption of multi-currency credit cards and the consumption of Hong Kong dollars of UnionPay single-currency cards). When the third bill comes out, look at the quota management of CITIC Mobile APP, and the 9% probability of withdrawal is successful!

3. Just use the online method, and you don't need to leave the country.

How to operate the credit limit of CITIC Credit Card

The operation process of credit limit of CITIC Credit Card:

1. Open the credit card dynamic space APP of CITIC Bank and find my credit limit on the home page;

2. Find a fixed credit card limit in the Credit Card Limit Center of CITIC Bank or receive a fixed credit card limit within a limited time;

3. modify and raise the fixed amount, and then click one button to raise the amount;

4. Complete SMS verification;

5. The credit line of CITIC Credit Card has been adjusted successfully;

6. Return to CITIC Credit Card Limit Center to check the latest adjusted limit.

CITIC Bank's credit card has always been aimed at serving the public, and it will serve the public better. Many people who have used credit cards know that credit cards are very convenient, not only in domestic shopping malls and supermarkets, but also in some foreign consumption places. Credit cards have greatly facilitated the general public and made banks gain more profits from them.

How to increase the credit limit of CITIC Bank

Tips for increasing the credit limit of CITIC Bank:

1. Improving the credit index

During the use of CITIC Bank's credit card, cardholders should not have records of bad behaviors such as overdue and cashing out. In order to maintain good personal credit, personal credit is very important for credit card withdrawal. Therefore, good personal credit is essential for withdrawal.

2. Spend more by credit card

To increase the credit card limit, cardholders need to use CITIC Bank credit card more, ranging from snacks to vegetables to home appliances and furniture. It should be noted that you should not spend a lot of money in the same place many times, otherwise the bank will suspect that the cardholder is cashing out, which is quite unfavorable for the withdrawal.

3. Win by the amount of credit card swiped

Cardholders should spend more than 3% of the total amount of credit card swiped every month, and try their best to win by the amount of credit card swiped. Once the cardholder wants to withdraw the amount, the bank will see the cardholder's consumption record, and the rate of withdrawal will be relatively large.

iv. consumption abroad is also a way

If the cardholder wants to withdraw the amount, he can make a sum of money in consumption abroad. Relatively speaking, banks will be more optimistic about consumption abroad. If the cardholder intends to go abroad in the near future, he can apply for a temporary limit, and then apply for a fixed limit after several transactions in consumption abroad. Under normal circumstances, if the cardholder's credit card is in good condition, the bank will agree to the request for the amount.

V. Timing of withdrawal is very important

If cardholders want to increase the credit card limit of CITIC Bank, choosing the right timing of withdrawal can get twice the result with half the effort. Cardholders can call the bank to apply for withdrawal one day after the repayment date of each month or immediately after overdraft consumption, and explain that the amount is not enough. Under normal circumstances, the bank will agree to appropriately increase the credit limit of CITIC Credit Card, provided that the cardholder's credit card usage is good.

1. Call the customer service hotline of CITIC Bank at 488-95558 to apply for increasing the credit card limit. CITIC Bank will review your past credit records and card usage, and raise the credit limit for customers who meet the credit adjustment policy of CITIC Bank.

2. Log in to CITIC Credit Card Online Banking and select "Main Card Limit Adjustment" in "Card Management" to apply for increasing your permanent limit.

If you want to increase the permanent credit limit of CITIC Credit Card, you need to pay attention to two points:

(1) Always use credit cards to spend money, and prove to the bank that you have a large consumption demand;

(2) Repay in full and on time, so that the bank can believe that you have enough repayment ability.

operating environment:

citic bank version: v8.6.5

mobile phone: Redmi k312.5.5

let's stop here for the introduction of how to increase the credit limit of citic credit card.