What is the credit card limit of China Merchants Bank?
Generally speaking, the first application for a gold card is 50,000 yuan, and that for an ordinary card is 65,438+00,000 yuan, subject to the final audit result. It is suggested that you can use the card for a period of time and keep a good record of consumer repayment before applying for an increase in the quota.
How often can the credit card limit of China Merchants Bank be increased?
1 Fixed-line application: If you have just applied for using a credit card, you need to observe multi-dimensional data such as credit card consumption and repayment for a period of time due to the adjustment and evaluation of the credit limit. It is recommended to use it for more than 3-6 months before trying to apply; If the quota has just been adjusted recently, it is recommended to use the card for more than 3-6 months on the basis of the new quota before trying to apply.
2. Application for temporary quota: You can apply at any time when necessary.
What are the skills to increase the credit card limit of China Merchants Bank?
1 multiple credit cards: use more credit cards to improve the utilization rate of the quota to reflect your demand for increasing the quota;
2. Diversified consumption: It is recommended that many merchants consume in multiple types, and spend in different ways such as swiping cards through POS machines, binding Alipay or WeChat express payment;
3. Repayment on time: Pay attention to the repayment date and repay in time;
4. Continue to use the card for a period of time: maintaining a good habit of using the card is helpful for applying for the quota;
5. Use the card reasonably: it is used for daily consumption, avoiding frequent consumption in a single or the same type of merchants, such as purchasing and wholesale, large capital turnover, premium payment and other corporate business consumption, or lending the credit card to others for consumption.
In the process of using China Merchants Bank credit card, remember not to overdue repayment, and repay it on time every month to ensure that the amount will not be reduced. In addition, the repayment can be postponed for three days after each month's repayment, which is the repayment grace period provided by the bank.