How to quickly increase the credit limit of China Merchants Bank Credit Card? The editor will teach you these tips
For many credit card novices who are just getting started, China Merchants Bank Credit Card is often their first credit card. When cardholders have a relatively high demand for credit limits, but the newly approved credit limit cannot meet their consumption needs, the question of how to quickly increase the limit of China Merchants Bank Credit Card naturally arises. In fact, it is very simple to increase the limit of China Merchants Bank credit card. It is not a problem to follow the guarantee.
The quick ways to increase the credit limit of China Merchants Bank credit card are as follows:
1. Do not create overdue records.
Only with a good credit record can you have the possibility of increasing your credit limit. Remember to ensure timely repayment. If you really cannot repay in time, or you cannot even meet the minimum repayment amount, you must call China Merchants Bank customer service in advance to explain the reason.
2. Large amount
This is a necessary way to increase the credit limit of China Merchants Bank credit card. It is best for the monthly card consumption to be more than 30 of the total limit. The large amount swiped by the card proves that the cardholder is highly dependent on the credit card.
3. Frequent consumption
As long as the card can be swiped, no matter how big or small the amount is, swipe the card for consumption. If the average monthly card consumption is more than 20, it will definitely be easier to apply for an increase in the credit limit of China Merchants Bank Credit Card.
4. There are many merchant types
You can spend money in as many merchant types as possible, such as shopping malls, supermarkets, gas stations, restaurants, hotels, KTV, travel, etc. If merchants are tired If your sex is too single, it is easy for the bank to think that you are suspected of "cash out".
5. Withdraw more cash
Withdrawing cash is another shortcut to increase the credit limit of China Merchants Bank Credit Card. Within the scope allowed by the bank, the bank generally encourages cardholders to withdraw more cash. If the cardholder withdraws more cash, the bank will charge more corresponding handling fees. This form of cash withdrawal can make a direct contribution to the bank and benefit the bank directly.
After reading the tips given to you, I believe that card friends are no longer confused about how to quickly increase the credit limit of China Merchants Bank Credit Card. In fact, if you want to increase the credit limit of China Merchants Bank Credit Card, the key is to convince the bank that you have the assets and need to increase the limit, and to make the bank feel that it is beneficial. After mastering these tips, it is not difficult to increase your forehead quickly.
What are the methods to increase the limit of China Merchants Bank’s credit card?
What are the methods to increase the limit of China Merchants Bank’s credit card? China Merchants Bank likes to look at the number of purchases and is not sensitive to large purchases. It tries its best to change the consumption method to card consumption. Moreover, China Merchants Bank's credit cards are easier to maintain. The bank will also take the initiative to increase the limit. Below, I will introduce to you how to increase the credit limit of China Merchants Bank credit card. method.
1. Adjust the limit through high-frequency and high-rate card swiping
For example, if your card limit is 10,000, and it is not overdue, etc., the limit will always be 10,000. There has been no adjustment for 3 months. The code is an operable code. You can repay more, use high-rate machines to swipe your cards frequently, and then pay out the unpaid bills in installments. After everything is credited, you The limit can be adjusted for 80 on the card. If that doesn't work, you can adjust the limit for 100 when the current bill comes out.
2. The intermediary gameplay of the Merchants Card
The intermediary gameplay mainly increases the fixed limit in the short term. Cards with a fixed limit of more than 10,000 can use the intensive card to increase the cash installment limit for up to three months. After raising it, the direct cash installment is fixed at 60,000 fixed and 5,000 temporary. For merchant cards, the maximum number of purchases per month should not be less than 25, do not use the capping machine, and the single amount should not exceed 10,000. If you use the capping machine and consume the installment immediately, this will not affect the overall score. Make more use of installments, cash advances, cash installments, etc. The purpose is to send money to the bank and increase the overall score. Generally, bill installments are mainly used. The bills come out and are divided into three installments. Three tranches are the most cost-effective tranches. The amount should not exceed 30% of the total consumption of the month, and should not exceed 50% at most. You can make some appropriate cash advance loans, but the investment promotion system changes a lot, so use the two comprehensive scoring methods of cash advance loans and cash installments with caution.
3. Temporary additional limit increase technology
When CMB credit card holders occasionally need to temporarily increase their credit limit due to insufficient credit limit, they can directly call the CMB credit card customer service hotline to request a temporary limit increase. . The conditions for temporary limit increase of China Merchants Bank credit card generally require holding the card for more than 3 months. At present, China Merchants Bank is the fastest among all card issuers to increase the temporary limit. It can be approved at that time and can be used immediately after approval.
1. Call customer service directly and ask for a temporary extension. Customer service will ask you to cancel your quota and reapply.
2. Enter the website, cancel the temporary limit, and then reapply. However, the conditions for successful temporary cancellation and reapply are: first, the billing date has just passed and the minimum payment has been made. Second, consumption has been relatively strong recently, and credit card consumption has been frequent.
The temporary quota can be adjusted 1-3 times the fixed quota. If the customer service does not agree, you can ask to be transferred to the supervisor, citing reasons such as decoration, travel, etc. If the supervisor does not approve, the attitude can be relatively tough. . If the fixed application cannot be applied and the previous temporary quota has not expired, you can reapply for the temporary quota (100% of the time will be passed), and then the time will be recalculated for one month, and then you can call to add the temporary quota! This is equal to the temporary quota and There is no difference with the fixed amount, you can use it for a long time.
4. Strategic limit increase
1. Spend 15 times a month; 2. Pay the minimum repayment every month; 3. Need to withdraw cash 2 to 3 times a month; 4. Appropriately available It is not advisable to make a small installment and not make too many installments; 5. You can choose to incorporate appropriate Hong Kong dollar donation transactions; 6. China Merchants Bank's quota increase system automatically screens customers for automatic quota increase at regular intervals and calculates their automatic quota increase time period.
There are four ways to increase the credit limit of China Merchants Bank’s credit card. Generally speaking, the number of credit card swipes can be maintained at more than 20 per month in the past six months. It is best if small-amount consumption accounts for the majority to satisfy the bank’s requirements. A point requirement. In addition, if China Merchants Bank takes the initiative to increase the limit, it is best to increase the US dollar limit for overseas consumption. In fact, when your US dollar limit increases, your RMB limit also increases.
How to increase the credit limit of China Merchants Bank?
There are several ways to increase the limit:
Temporary limit adjustment. When using a bank credit card, if you find that the approved credit limit is not enough and you need to increase the credit card limit, you can call 24 Contact the customer service specialist at the hourly customer service hotline to apply for a temporary increase in credit card limit. After the temporary adjustment of the bank credit card limit expires, the credit limit will be automatically restored to the original limit;
Long-term limit adjustment, if the bank credit card limit is insufficient and cannot meet the usage needs, you can call the 24-hour customer service hotline at any time to apply To permanently increase the credit limit, the bank will conduct an audit based on your past card usage history, repayment records, etc., and will appropriately adjust the credit limit for the cardholder after passing the review.
The temporary credit limit is valid for up to 1 month. After the validity period expires, it will automatically revert to the credit limit before adjustment. Please ensure that the account balance does not exceed the original credit limit before the current billing date. Otherwise, you need to Pay the resulting over-limit fee.
How to increase the limit of China Merchants Bank Credit Card
How to increase the limit of China Merchants Bank Credit Card:
1. Increase the fixed limit
Cardholder You can apply to increase the fixed limit on your own, and China Merchants Bank will review your card usage such as consumption and repayment to determine whether to increase the fixed limit. China Merchants Bank will increase the fixed limit from time to time for cardholders with good card usage records.
2. Apply for a temporary limit
When the cardholder's fixed limit cannot meet the consumption needs, the cardholder can apply for a temporary limit from China Merchants Bank, which will take effect immediately after approval.
The temporary quota is valid for a certain period of time, and will automatically revert to the original quota after the period.
After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the revolving credit facility and will be included in the minimum repayment amount of the latest bill, which must be repaid on the due date. Pay it off all at once.
Extended information
According to the relevant provisions of the "China Merchants Bank Credit Card Articles":
Article 35 Rights of the Card Issuer
Art. Five items: For credit cards with no transactions for more than 6 months, the card issuer has the right to reduce the credit limit of the cardholder's account.
Article 38 Obligations of Applicants and Cardholders
Item 6: The card issuer increases the credit of the cardholder’s account due to the cardholder’s good transaction and repayment record If the cardholder is unwilling to increase the account credit limit, he should request the card issuer to restore the original account credit limit within 10 calendar days through the card issuer's online banking, mobile banking or customer service hotline, otherwise it will be deemed as Cardholder accepts.
Regardless of whether the cardholder accepts the card issuer's adjustment of the credit limit of his account, the cardholder is responsible for repaying the debt that has occurred.