My credit card limit is 50 thousand yuan. Can I apply for a higher limit? Hello, banking experts suggest that we should follow the bank regulations step by step, and don't take risks and be cheated.

Scientific method of raising quota

The credit card limit is not as high as possible, but many cardholders still prefer a card with a higher limit. On the one hand, it is a symbol of status, on the other hand, they can get more support from the bank when they need money.

1. If you use your credit card frequently, swipe your card frequently in supermarkets, restaurants and department stores, which is very beneficial to increase your credit limit. If you spend a lot of time using credit cards, it naturally means that you have a great demand for credit cards.

If you can swipe your card every month to reach more than 60% of the credit limit, it will also help to increase the credit limit.

2. Provide comprehensive information when handling the card.

Real estate license, driver's license, etc. It is very helpful for people who start to apply for credit cards, especially for property ownership. Having a house is definitely a big plus for the cardholder's credit limit, and getting married and having children is also conducive to bank approval.

3. Try not to withdraw cash by credit card.

No cash withdrawal only refers to local cash withdrawal. If you evacuate overseas, there is no problem at all. There is often consumption abroad, and cash withdrawal is also a plus item. If the bill can't be paid in full, it's recommended to handle the installment instead of paying in full. This is not only a matter of interest, but also makes the bank feel that your financial resources are beginning to be stretched.

4. Pay more attention to the official activities of the issuing bank

Sometimes bank officials will launch credit card activities, some activities can increase points, and some activities are conducive to the improvement of customer credit limit. Therefore, we must always pay attention to the official information of the issuing bank and pay more attention to the credit card preferential activities.

5. The credit card limit cannot be increased indefinitely.

It is difficult to further increase the amount of ordinary communication cards of this bank when it reaches 50,000 yuan. At this time, you need to apply for a platinum card to enjoy a higher credit limit. There are also diamond cards and unlimited cards on the platinum card, but these two cards cannot be applied by the cardholder himself, and the bank needs to apply on its own initiative.

The credit card limit is 50,000. Can I overdraw 50,000? If it is a China Merchants Bank credit card, the credit limit is 50,000, and it can be fully overdrawn.

Available credit limit refers to the unused credit limit in your credit card. The calculation method is as follows: credit line-unrecorded amount-accumulated used unrecorded amount = available amount.

I just applied for the Industrial Bank credit card gold card, with an amount of 8,000 yuan. Is it easy to apply for an increase? You can apply for temporary quota adjustment after 3 months of normal use of the card, and you can call customer service to apply for permanent quota adjustment after 6 months of normal use of the card and good repayment record. Of course, in the month waiting for the amount adjustment, the more frequent your consumption records, the higher the amount, and the better your amount adjustment.

There are three ways to increase the credit card limit, one is to provide more effective proof of property, the other is to maintain a good credit card use record for about half a year, and the third is to increase the temporary limit. Depending on which bank you are in, you can call the customer service of that bank and they will give you detailed instructions.

The two most effective ways for ICBC to apply for a150,000 credit card and to issue a card with a credit limit of only 50,000 to apply for a large credit card.

One of the most effective methods: submit proof of property.

For large credit cards, the choice of bank credit cards is irrelevant. What matters is whether your real estate license meets the regulations of this bank.

Generally speaking, real estate license includes: real estate, automobile production, wealth management products, etc. Personal name.

Take Minsheng Bank as an example, its large credit cards are divided into diamond cards (with a quota of 200,000), luxury platinum cards (80,000) and standard platinum cards (40,000).

If personal property is provided, the required conditions are: standard platinum card requires the property value to be more than 800,000 yuan, luxury platinum card requires 6,543.8+0.6 million yuan, and diamond card requires more than 3.2 million yuan.

However, the bank does not accept the vehicle ownership certificate.

Guangfa Bank, China Merchants Bank, etc. Accept the relevant certificates of automobile production.

The second most effective method: using cards to handle cards.

It is an effective way to handle large credit cards with cards. Take Minsheng Bank as an example, there is no need to provide any additional proof of assets: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000. The processing conditions are: the original card limit is more than 40,000, and the standard platinum card, luxury platinum card is more than 80,000, and the diamond card 15000 is more than that.

To apply for a large credit card, according to the standards of the bank scoring system, share some conditions, have a good credit record, have a superior career, have a stable income and a high deposit.

If the recommendation card can't be made, you can only spend money to find someone.

Do ka, get cash, and you can find me.

How can I apply for a high gold card? My China Merchants Credit Card has a limit of 20,000. Will it be higher if I apply for another credit card? Hello, our credit card limit is shared. You can apply for another card with a limit of 20,000 yuan. If you want to apply for increasing the quota, you can call our customer service hotline to apply.

If you still have questions, please add enterprise QQ customer service 4008205555 or WeChat new WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.

Can the majority of credit cards apply for a temporary limit if the limit is increased? Yes, the main methods to apply for temporary limit are:

1. Apply for online banking, log in to the online banking of the corresponding bank, enter the line inquiry page, enter your credit card number, and select the adjustment application.

2. For telephone voice application, you can also call the customer service phone of the corresponding bank, select the manual service of the credit card category, and manually apply for adjusting the credit card limit after verifying your identity through the card number or ID number.

Matters needing attention mainly include:

1. Temporary withdrawal is valid. After the expiration date, the bank will automatically restore the card to the original limit. You can ask the corresponding customer service staff.

2. At the time of repayment, the part exceeding the fixed amount after temporary withdrawal cannot enjoy the minimum repayment amount.

3. After applying for temporary withdrawal, you can't apply for bill installment for consumption.

There are two credit cards, one with low credit limit and the other with high credit limit. Can a high credit card limit be achieved by increasing the credit card limit? There are several ways to increase the bank credit card limit:

Provide sufficient economic proof when handling the card. When applying for a credit card, provide as many financial certificates as possible, 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 certificates. If the cardholder has a deposit in CCB or is a civil servant, it will also help the cardholder to obtain good credit and approve a higher credit limit;

Use a credit card as much as possible. The bank will make a comprehensive evaluation based on the customer's past card use. 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. The bank credit card center will adjust the amount according to the cardholder's usage rate and repayment record;

Ensure a good repayment record. After using the bank credit card to spend money, you must ensure that you repay on time before the monthly repayment date. 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. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;

Apply for increasing the temporary quota. Bank credit card holders can apply to voluntarily increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that cardholders can increase according to their usual consumption and repayment. If the temporary quota is often increased, banks will think that the demand for credit cards is strong and it is not difficult to increase the fixed quota. The temporary quota needs to be paid off in one lump sum. Please be careful not to generate late fees.

The above is the basic way of bank credit card application and withdrawal service.

How can I apply for a higher credit card? The easiest way is to provide financial proof. If you can't provide it, use one of the cards now. If you use two credit lines, it will be dispersed. Increase the credit limit, and then use the card to handle other banks' cards. Generally, the credit line of other banks will not be lower than the current credit line.