As we all know, China Bank is the most difficult to raise the amount, and it can only raise the amount once a year. But in fact, if the method is right, the amount will be raised quickly. The amount raised by China Bank is very large, even if it is generally small, it can reach 40%, but every time it is raised, it will go to the post-loan management for credit investigation.

The exit path of China Bank can be roughly divided into the following points:

First, moving bricks/financing/consumption abroad

Generally speaking, China Bank is characterized by paying more attention to wages, assets, wealth management and deposits, and has a good impression on brick-moving customers. Whether you save time or buy wealth management, you will get higher scores. This method is effective before and after issuing the card. It is generally recommended to move bricks before issuing cards. The more money, the better.

In addition, China Bank is the bank that likes customers to spend with foreign cards most among all banks, and foreign currency consumption on holidays is very helpful for cash withdrawal.

In fact, consumption abroad doesn't need to go abroad, just use UnionPay's China UnionPay Express APP, as follows:

China UnionPay Express, enter UnionPay, bind your China Bank credit card on the card management page after real-name authentication, and then find the discount. Click more and then drop down to find the overseas card option, then select Taiwan Province Province in Asia, and then select the sea purchase. After entering the sea purchase, you can choose a commodity to buy. It must be noted that the credit card used must be empty or the available amount is lower than the price of the selected goods.

Note: If there are enough credit cards available, payment will be made. After clicking Pay, there must be insufficient balance to pay. At this time, you can exit the APP, and in a few minutes, you will receive a text message from Bank of China to increase the temporary limit.

Second, outlets \ online banking assets input

Required materials: payroll, house books, car books, etc.

Location: Bank Card Center of the Branch

Process:

① Take the above materials to the card department, tell the staff that you want to apply for quota adjustment, and then hand over the relevant materials to the staff for copying.

② When filling out the withdrawal slip, pay attention to: write down the card that is currently used most frequently and has the highest amount.

③ Waiting for the audit notice.

Note: If the wage flow is relatively high, it will generally increase substantially, and you will receive a message of successful growth after two working days.

If you don't want to go to the outlet, you can also directly log in to China Bank official website, log in to the online banking account, find the uploaded information, and upload and submit the prepared information pictures.

Third, the curve is raised.

Is to re-apply for a higher-level credit card. The prerequisite is that you already have a credit card from China Bank, but the amount is never mentioned. Different from other banks, BOC needs to sell its cards first and then apply for them, which is suitable for cardholders with low quotas. If you have a temporary quota, you can apply for a new card. The approved fixed amount is the permanent amount of your previous card plus the temporary amount.

The core of this method is temporary restriction, which is imposed by the Bank of China. As long as there is a repayment record, you can apply to increase the temporary limit. After this temporary quota adjustment, we can apply for a second adjustment of the temporary quota, which is generally successful.

In fact, the curve can also be used with the previous method to increase the threshold.

Fourth, temporary fixation.

1. First of all, we need a savings card and a credit card bound to the BOC App, and make sure that the BOC card has not been withdrawn recently.

2. Replace the savings card with the settlement card of the machine to ensure that the credit card funds stored in the savings card will not be taken out for a period of time, thus forming aum. Or move bricks directly for a while, and the test results are effective in one to two weeks.

3. After one to two weeks, the China Bank App will show that the deposit can be increased, and the first stage is completed. If it does not appear, repeat the above steps 1 and 2 or study whether there are blacklists and risk control problems.

4. Click on the promotion quota for one month, and the promotion is successful. If not, repeat 3.

5. Deposits usually appear a few days after the bill, so we choose a month's deposit, then wait a week, click on the BOC App and choose the loss reporting card system. After success, the original card has been reported lost, and many functions require you to rebind the card because the original card cannot be used.

6. SMS appears in about a day or two, and the new card is successfully replenished, and a new tail number is generated, which is different from the original tail number. At this time, the App credit limit shows that the maximum credit limit has been reached.

7. When the card arrives, a new fixed amount appears.

Verb (abbreviation of verb) cash withdrawal by credit card (basic principle of credit card)

1, the credit card limit is as large as possible, for example, the monthly consumption limit is 30%, and the consumption limit can be gradually increased later;

2. Consume as much as possible, with an average of more than 20 transactions per month 10, and it is easier to withdraw cash;

There are many types of consumer businesses, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourist and entertainment places.

4. The less wholesale and large-scale consumption such as buying houses and cars, the easier it is to raise the amount;

5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to increase the quota and apply for approval.