How to improve the credit rating of Bank of Communications credit card holders, and how long does it take to complete the credit rating?

Bank of Communications character score is an important index to measure your credit card usage. Under normal circumstances, Transportation If the bank's character score reaches 700 points, a temporary limit will appear on the Bank of Communications credit card; if the character score reaches 750 points, a Bank of Communications credit card will have a credit limit.

In order to increase the character index of Bank of Communications, we need to first build up the other four dimensions, namely the rich index, the hedonic index, the expert index and the wool index.

Finally, how often does the Bank of Communications character score update? The correct answer is that it updates about T 3 days after the date of your credit card statement

How is the gas discount for the Bank of Communications credit card calculated? What are the prerequisites for returning 5?

Bank of Communications Credit Card’s rebate for gas rebate:

The Bank of Communications Credit Card’s Redtest Friday event is a long-term discount. Cardholders can enjoy 5 rebate for refueling at cooperative gas stations every Friday. The weekly refund limit is 25 yuan and the monthly limit is 100 yuan.

The prerequisite for participation is that you spend at least 1,000 yuan per month at points merchants that include cooperative gas stations. If the cardholder spends 500 yuan at cooperative gas stations every week, you can get a maximum rebate of 25 yuan. Refueling twice a month will qualify for the event and no additional consumption is required.

Extended information:

During the event, cardholders can swipe the main Bank of Communications credit card in designated supermarkets and gas stations every Friday (except EMV cards, boss cards, installment cards, PetroChina Except for Kunlun Credit Card, the same below) if any single transaction reaches RMB 98 (hereinafter referred to as "Instant Discount Consumption") and meets other participation conditions of the event, 5% of the transaction amount can be reduced instantly. Platinum Card (except Youyi Platinum) Card) will be reduced by 10% of the transaction amount instantly.

The cardholder had a Bank of Communications credit card consumption last month that was completed through a third-party payment platform (Alipay and WeChat only), and the total Bank of Communications credit card consumption last month reached 3,000 yuan (inclusive) Only those above are eligible to participate in the instant discount event of the month.

The cardholder must have a Bank of Communications credit card payment completed through a third-party payment platform (Alipay and WeChat only) last month (hereinafter referred to as "third-party platform qualified consumption") , if the accumulated consumption last month (hereinafter referred to as "accumulated consumption last month") is 3,000 yuan (inclusive) to 10,000 yuan (exclusive), the total weekly instant discount limit for each cardholder in supermarkets and gas stations is 25 Yuan, 100 Yuan per month;

If the cardholder’s cumulative consumption last month is 10,000 Yuan (inclusive) and above, the weekly total instant reduction limit for each cardholder in supermarkets and gas stations It is 50 yuan, and it is 200 yuan per month. You can check the compliance status on the official website of Bank of Communications Credit Card or the Pay Bar APP.

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How to increase the rich index of Bank of Communications credit cards

1. Use credit cards frequently and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped for consumption. Frequent use will definitely help cardholders increase their credit limit as soon as possible.

2. Guarantee the amount of credit card consumption every month. It is best to generate consumption records with a total credit card limit of more than 30 yuan every month. If you persist for more than half a year, the bank system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

3. Make sure that credit card payments can be repaid in full and on time. This is very important for credit card holders who want to increase their limit. If you cannot repay in full and on time, resulting in a bad credit card repayment record, it will not only affect the cardholder's personal credit report, but also greatly extend the time it takes for the credit card to increase its credit limit.

4. Enrich the consumption types of credit cards. Different consumption types will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of credit card limit increases to a certain extent. Within the scope of your ability, increase the opportunities for large-scale purchases on credit cards, thereby promoting the increase of credit card limits as soon as possible.

5. Increase the number of times you apply for temporary credit card limits.

Multiple applications for the temporary limit of credit cards also show the eager desire of credit card holders to increase their credit card limits, which can also speed up the process of increasing their credit card limits.

6. Take the initiative to apply for an increase in your credit card credit limit. You can take the initiative to express your eagerness to increase the credit limit of your credit card to the bank through various channels, and proactively provide relevant asset certification documents, as well as relevant evidence of the continuous improvement of your own consumption capacity, so that the bank can accumulate more benefits for itself when conducting system evaluations. evidence to increase the credit limit of your credit card as soon as possible.

That’s it for the introduction of transportation credit card tycoon index.