1. If you want to increase the credit card limit of CCB, you can spend more with credit cards at ordinary times, and it is best to keep the monthly consumption limit above 70% of the credit line, so that the bank will take the initiative to increase the credit line after a period of use.

2. Use the temporary credit line of China Construction Bank. The general temporary credit line is valid for only a few months, and it must be repaid in one lump sum. Banks that use temporary credit lines will think that they have strong spending power and will be easily approved after applying for withdrawal.

3. If you use CCB's credit card, you should repay it on time. You must pay it back in full here. In this way, the bank will think that you have strong repayment ability and will like such cardholders when raising the quota.

4. Avoid sudden large consumption of credit cards, which is likely to be recognized as cash by banks, which is very unfavorable for increasing the credit card limit. When swiping cards, try to avoid swiping cards on pos machines without handling fees. At this time, banks can't make money, and it is even more difficult to increase the quota.

Note: It generally takes 6 months to apply for a new credit card to increase the fixed limit. When applying, you can directly call the credit card service hotline of China Construction Bank, and the bank will increase the quota after review.

How to adjust the credit card limit of China Construction Bank?

CCB's credit card adjustment method is as follows:

1. Mobile Banking: Log in to CCB Mobile Banking and click Credit Card-Line Adjustment.

2. WeChat: Pay attention to the official WeChat account of China Construction Bank, bind the credit card, and click Credit Card-Line Adjustment in turn.

3. SMS: Edit SMS "Amount Adjustment" or "CCTE#++ Last 4 digits # Expected Amount Adjustment" with the mobile phone number reserved in CCB and send it to 95533.

4. Online banking: log in to online banking, bind the credit card and click "Credit Card-Credit Card Limit Adjustment" in turn.

Extended data:

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.

Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

References:

Credit card limit-Baidu Encyclopedia

How to increase the credit card limit of CCB?

Customers can adjust the credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through the menu of "Credit Card-Card Service-Line Adjustment";

2. Pay attention to the official WeChat of "China Construction Bank" and handle it through the menu of "Credit Card-Bill/Repayment/Limit Management" after binding the credit card.

(In case of business changes, please refer to the actual situation. )

How to improve the credit limit of CCB credit card?

1. Provide sufficient proof of financial resources when applying for a credit card. When applying for a credit card, try to provide proof of my financial resources, such as income certificate, bank deposit certificate, real estate certificate, vehicle production certificate, etc. The bank will evaluate the cardholder's assets according to these supporting materials.

2. As much as possible, CCB will make a comprehensive evaluation based on the customer's past credit card usage. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption and supermarket shopping. And spend as much as possible in physical stores. Credit Card Center of China Construction Bank will adjust the credit limit according to your credit card usage rate and repayment record.

3. Ensure a good repayment record. After using the credit card of China Construction Bank, the repayment must be guaranteed on time before the repayment date every month. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. In case of emergency, you can call the customer service hotline of China Construction Bank at 95533 to apply for deferred repayment.

4. Apply for increasing the temporary limit. Credit card holders of CCB can apply to increase the temporary limit voluntarily, and the bank will comprehensively evaluate the range of the limit you can increase according to your usual consumption and repayment. If you frequently increase the temporary limit, the bank will think that you have a strong demand for credit cards, and it is not difficult to increase the fixed limit.

Extended data:

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.

Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Improve quota skills

First, continuous and frequent credit card consumption

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think that it is+++,and it is difficult to increase the quota.

Second, pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

Third, stick to application and seize the opportunity of application.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

Reference: Baidu Encyclopedia-Credit Card Limit

China Construction Bank Credit Card Limit Promotion/Adjustment Method

1, China Construction Bank credit card fixed credit line promotion method:

If the credit limit of CCB credit card holders is increased for a long time, they need to call the 24-hour customer hotline of CCB credit card to apply for credit card limit adjustment after holding the card for 6 months. According to the repayment records of BOC credit card holders in the past six months, CCB will inform customers of the audit results within one week. If cardholders can provide some proof of assets when submitting their applications, they can get a higher credit limit.

2. Construction Bank Credit Card Temporary Credit Limit Improvement Law:

If the cardholder's existing credit limit is not enough, you can apply to the bank for a temporary increase in credit limit in advance, and CCB will adjust it for you according to your credit status and card usage. If you need to temporarily increase the credit limit, you can call the 24-hour service hotline and provide relevant information as required. The temporary credit line is valid for up to 3 months, and your credit line will be automatically restored to the original one after expiration. The credit limit of the secondary cardholder is set by the primary cardholder. If it is necessary to adjust the temporary credit limit of the secondary card, the cardholder of the primary card must apply.

Extended data:

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Application materials to be submitted for credit card processing:

1. valid identity documents: valid identity documents include one of resident identity cards, military officer's cards, soldier's cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.

2. Work certificate: the work certificate issued by the unit for the last six months, with the seal of the unit;

3. Proof of financial resources: such as payroll records issued by the bank, income certificate issued by the unit, income tax withholding certificate, self-owned car driving license, copy of the applicant's bank time deposit certificate and other materials.

Credit card withdrawal of China Construction Bank

The process for CCB customers to apply for credit card limit adjustment is as follows:

1. Log in to mobile banking and go through the menu of "Credit Card-Card Service-Card Service-Line Adjustment".

2. Follow and enter the official WeChat account of China Construction Bank. After binding the credit card, go through the "Credit Card-Billing/Repayment/Limit Management" menu.

3. Send the short message "CCTE #+# expected temporary limit # 1" to 95533 to increase the temporary limit, or send the short message "CCTE #+# expected permanent limit #2" to 95533 to increase the permanent limit.

4. Log in to personal online banking and enter the menu of "Credit Card-Card Manager-Quota Management-Apply for Quota Adjustment".

5. Go to the homepage of CCB official website and enter the menu of "Individual Customer-Credit Card-Line Adjustment".

Note: The above channels all support temporary quota adjustment, among which SMS, mobile banking, personal online banking and WeChat banking also support permanent quota adjustment.

(In case of business changes, please refer to the actual situation. )

The introduction of how to increase the credit card limit of CCB and how to increase the credit card limit of CCB ends here. I wonder if you have found the information you need?