What does it mean to apply for a credit card? Pay attention to these matters

Many freelancers do not have stable jobs, or if they have a job and want to apply for a high-end card, they have to prove to the bank that their assets are good and their abilities are recognized before they have the opportunity to apply for the card. Brick is the best way to prove it, which means depositing money in the bank. Let’s learn about it together.

What does it mean to apply for a credit card?

The money in the bank is bundled in bundles. It looks like bricks, and each brick costs 10,000 yuan. Therefore, applying for a card with bricks allows us to save money in the bank, and many banks default to this. This approach.

In particular, Bank of China is known as the Brick Bank, which shows its requirements for applicants’ assets.

How to apply for a credit card?

Two points should be noted, one is the time for moving bricks, and the other is the amount of bricks moving.

In terms of transfer time, it is recommended to start transfer 3 months before applying for the card, because most banks use average daily deposits as a measure, and it will be difficult to transfer the transfer if the transfer time is less than 3 months. will be recognized by the bank.

The amount of money for moving bricks depends on the identity of the applicant and the level of the card applied for. For example, if you are a person without a license, you only need to be able to get the card. Moving 5 bricks is enough, which means you need to deposit 50,000. Yuan; and for friends who want to apply for a high-end platinum card, no dozens of bricks can break the bank.

Finally, some friends will ask, can I withdraw the money after debiting the card?

The safest way is to suggest that you keep the card for another 3 months. During this period, you must standardize the use of the card, increase the frequency of credit card swiping, diversify your consumption, and most importantly, repay the loan on time, etc. After 3 installments of bills are issued, see if the bank will raise the limit. If the limit is raised, you can withdraw the money, but everyone should be mentally prepared for the limit to be reduced. Because the withdrawal of bricks may make the dynamic management of assets substandard.

How to quickly increase your credit card limit?

Whether or not to increase the credit card limit is comprehensively evaluated by the bank based on many factors.

1. Choice is greater than effort.

Some banks are easy to increase the limit, while some banks will never increase the limit for ten thousand years. As the saying goes, "Choice is greater than effort." If you choose a credit card from a bank that is not easy to increase your limit, you may not be able to increase your limit in a few years. The common ones that are least easy to raise are: transportation, CITIC and people's livelihood.

There is even a saying in transportation that "the card is fixed for life". Of course, this statement may be a little exaggerated, but it does reflect the difficulty of raising the quota. My friend's transportation credit card was 30,000, and after four years it was still 30,000, with no sign of an increase.

On the contrary, it is easier to increase the quota: China Merchants, Everbright, Pudong Development, etc. Let’s focus on investment promotion. If the investment promotion is done well, the quota will be raised almost every three months. My own investment card was 5,000. It took almost two years and the limit is now over 60,000.

So if you want to increase your quota quickly, choose first.

2. Different banks require different countermeasures.

China Merchants does not value the amount of consumption but the frequency of consumption; Pudong Development Bank does not value the number of consumption but pays attention to installments; Agricultural Bank of China does not like cardholders to pay installments? Each bank values ????different points.

Of course, when I say I don’t attach much importance to it, I don’t mean that banks don’t attach importance to it at all. It’s just that in comparison, the emphasis is different. Therefore, if you know where the bank's focus is, you will grasp the vitality of increasing your credit limit, and you will get twice the result with half the effort when you increase your credit limit.

3. Moving bricks

The explanation of moving bricks is to deposit money in the bank or make short-term financial management. For example: take 200,000 to the bank where your credit card is located and buy a short-term financial product for three months or six months. When the bank system detects that you have 200,000 yuan to buy financial management, are you still embarrassed to give a 3,000 to 5,000 yuan grocery card?

There are certain threshold requirements for moving bricks, but it is better than being simple and crude.

4. Update bank reservation information.

If your personal credit and assets have changed significantly compared to before you applied for the card (such as real estate, cars, provident funds, etc.), then you can choose to bring proof of assets to a bank branch to submit it.

Real estate, cars, etc. are the most direct manifestation of financial strength, and banks indeed value fixed assets. Once it is updated, the amount increase will not be far away.

The above are generally more effective ways to increase your quota, but of course it doesn’t stop there. Credit card limit increase is an art, and banks are constantly making optimization and reforms, which requires our continuous exploration.

Dear friends! I don’t know your age, but I have to solemnly tell you from the experience of someone who has been there!

No matter what age you are or what the reason is, before using a credit card, you should consider: Do you really have to use a credit card? My advice is to try not to use it for whatever reason! You can go and see how many people have fallen into this trap and how they are getting deeper and deeper! This is by no means alarmist, and don’t overestimate your self-control! You can check out many cases and facts. Even a hundred words of good advice cannot compare to countless facts! Hope you take care of yourself!

Credit card limit increase is an issue that every cardholder who uses a credit card is concerned about. And quickly increasing the credit card limit is a key issue.

Although this question is very difficult to answer, it still doesn’t bother me, because I am not a credit card tyrant. I will tell you in detail how to give it to you. Increase your credit card limit quickly.

If you want to quickly increase the limit of your credit card, it is actually very simple. Either wait for the bank to release funds, and then you seize the opportunity of the bank to release funds. In this case, you will raise it immediately, but this opportunity is rare, so you must Wait patiently.

Either it is like a bank proving that you are rich. Many banks can increase your asset limit. Submit your real estate certificate, driving license and other things that can prove that you are rich to the bank and you can quickly get it. The limit has been increased.

Another simplest way is to deposit money in the bank and deposit a large amount of money. This can also increase the limit in a short time. Don’t ask how much money you deposit, because it is useless to say it. Generally Friends who ask this kind of questions can't afford that much money.

Therefore, it is a false proposition to quickly increase your credit card limit. People who can quickly increase their credit limit will not ask such a question. For those who can't raise their balance quickly, it's useless even if they know the answer, because you simply can't meet the bank's requirements.

In fact, as long as the credit card limit can be increased steadily, it is enough. Don’t always think about increasing the limit quickly. As long as the credit card limit can be increased steadily, it is a rapid increase.

1. Use this card more and make it fully active. Do not cash out or overdue.

2. Call credit card customer service. Let the bank increase your limit

Credit card limits are divided into fixed limits and temporary limits. If you want to increase your limit, you need to meet different conditions for increasing your limit.

1. Temporary limit

It is relatively easy to increase the limit. After using the card for 3 months, you only need to have good credit. There are also many banks that support increasing the limit at any time, which is very powerful. However, the temporary limit has a validity period and will become invalid after expiration, so cardholders are more interested in applying to increase the fixed limit of their credit card.

2. Fixed limit

Different card-issuing banks have different times for applying for a fixed limit increase for the first time. Most banks support card limit increases for 6 months, while Minsheng, Bank of Communications and CITIC require an invitation from the bank to raise the limit, which is more difficult.

After meeting the conditions for applying for a credit card limit increase, cardholders can apply through a variety of application channels:

(1) Customer service phone number, it is recommended to think about the limit requirements, such as going abroad, traveling, For decoration, marriage, etc., it may be easier to persuade customer service to increase the quota;

(2) Applying for a quota increase through the official website, APP, official WeChat, etc. requires system review. If the credit conditions are good and the comprehensive score is high, then, There is hope for a quota increase; otherwise, it is easy to be rejected.

If you want to improve the success rate of applying for a credit card limit increase, I suggest you pay attention to the following tips for daily card use:

1. The average number of credit card swipes is more than 10 per month, and it is easier if it is more than 20. Increase the limit;

2. The amount of card swiping, the total consumption amount within half a year must be at least 30% of the limit;

3. The type of consumer merchant, such as shopping malls, supermarkets, gas stations, restaurants, Hotels, tourism, entertainment venues, etc. are diversified;

4. The less wholesale and bulk consumption such as house and car purchases, the better;

5. The more online shopping, Alipay transactions and cash withdrawals, the better. Less is better.

This is based on the overall situation of the customer, and the bank has an evaluation system. If the standard is met, the limit will generally be increased. The way most people raise it is to consume more.

Diversified consumption cannot Overdue

Private chat to teach you financial and business knowledge and quickly build credit assets

Asset customers can increase their credit limit the fastest, and you can do it in the industry!

Use this card more and make it fully active. Don’t cash out or overdue.

Call credit card customer service. Let the bank increase the limit for you

How to increase the limit of ICBC credit card with 5 stars? How to use these methods

We all know that ICBC pays special attention to the financial status of cardholders, and grades them according to their contribution. Generally, customers with 5 stars or above can be said to be high-quality customers. , you can be issued a gold credit card and enjoy services such as exclusive VIP channels. Of course, what more 5-star users want to know most is how to increase the credit card limit. Let’s briefly introduce it below.

How to increase the limit of ICBC 5-star credit card?

The easiest way to increase the limit for ICBC credit card 5-star customers is to increase the limit through brick-and-mortar transactions or purchase financial services. If that doesn’t work, you can only increase the limit by swiping your card. This and other credit card limit increase methods It’s almost the same. To sum it up in one sentence, you can spend more with your card, repay on time, and if you have the money, save a fixed deposit of more than 50,000, etc., all of which will be beneficial.

If you don’t have enough assets and you think it’s difficult to increase your limit by relying on these conventional methods alone, we can also introduce you to two more perverted ways to increase your limit. It is said that many customers have used these two methods, and they can easily do so. Song upgraded the 5 stars to 7 stars, more than doubling the amount. So, what exactly do you do?

1. Increase your credit limit by spending money like crazy

It is said that it is best to deposit 20,000 yuan into your credit card at once. If it is not enough, you can also deposit 10,000 yuan, and then go crazy. Brush running water.

Operation process, after depositing a block of 20,000 yuan, swipe the small card of 1,000 yuan each time. After swiping it out, deposit it in, then swipe it out again, and then deposit it in again, deposit-swipe-deposit- The cycle of swiping is repeated. After 3 months of swiping, you call ICBC customer service and ask for a limit increase. You say that your transaction volume is large and the limit is not enough. Maybe ICBC will increase your limit for you.

2. Make more installments to increase your credit amount

Doing more installments can increase your contribution, so no matter what you buy with your credit card, as long as it can be paid in installments, you should do it in installments, such as buying a washing machine. , fire box, refrigerator, etc. It is always beneficial and harmless to have more installments. However, it is recommended that the number of installments should not be too long, just 3 to 6 installments, which can save you some handling fees.

How to increase the limit of credit card transfer? Pay attention to these matters

Although there are many ways to increase the credit card limit, most of the processes are relatively long. If you want to quickly increase the credit limit in a short period of time, it is said that it is more effective to rely on moving bricks. This method Especially suitable for very wealthy people. Next, let’s take a look at how to increase the credit card limit.

The brick-laying mentioned here is a slang term in the credit card industry. It actually allows you to deposit money at the credit card issuing bank to prove to the bank that your assets are in good condition, so don’t be stupid and really move bricks one by one. Move to the bank. As for why money is called bricks, it is mainly because banks bundle money into bundles. A bundle of 10,000 yuan looks about the same size as a brick.

When raising credit card limit, you should pay attention to two points:

1. Deposit amount:

This depends on the type of credit card you hold. If it is an ordinary For credit cards, that is, platinum cards and below, you can basically carry 5 bricks. One brick is 10,000 yuan, which means a deposit of 50,000 yuan. And if it is a high-end platinum card, it will cost at least dozens of bricks. For example, Pufa AE White is said to be a stepping stone for 75 yuan, and China Merchants Bank Classic White is 50 yuan.

2. Deposit time:

Generally, banks use average daily deposits as a measure. If you only move for ten days and a half, the effect will be insignificant and it will not be recognized by the bank.

So if you want to increase the credit limit by moving bricks, you need to move it for at least 3 months. It is best to deposit directly into a fixed deposit. The longer the time, the better, which will make the bank feel that the cardholder is more stable. powerful.

So, how to increase the limit of credit card transfer?

After meeting the above two points, you can increase the limit through two methods, as follows:

1) Directly increase the limit, that is, click on the bank credit card APP to increase the limit, or you can Call the bank's credit card service hotline and apply to customer service for a limit increase.

2) Curved limit increase. After depositing a fixed deposit of more than 50,000 in the bank, you can also apply for a high-end credit card from the same bank to increase the credit limit in a curved manner. If the card application is successful, and the limit is more than If your existing credit card is several times higher, it can be considered a successful increase.

Summary: The above is the relevant introduction to "How to increase the limit of credit card transfer".

The last thing to remind is that whether the credit card limit increase can be successful or not will be determined by the banking system after a comprehensive evaluation. However, compared with other methods of increasing the limit, the success rate of credit card limit increase is still relatively high.

Methods to increase credit limit of CCB credit card

1. Swipe as many cards as possible

No bank does not like cardholders to swipe their cards to spend more. CCB It is no exception, so it is recommended that after you get the card and activate it, you should swipe the card as much as possible, and try to swipe the card in physical stores to reduce online payments, because many online payments do not have points.

2. Apply for a temporary limit

If you take the initiative to apply for a temporary limit, the bank will think that your current credit card limit is indeed relatively low and not enough for you. In view of your strong need to increase the limit, CCB generally A temporary limit will be provided. If you try this a few times, it will not be difficult to increase the fixed limit.

3. Dormant Suspension Limit Increase

If you have made on-time repayments 3 months before opening the card, and the card swiping frequency is relatively high, but the bank does not give you a limit increase, In this case, you can intentionally deactivate it for a period of time. In order to retain high-quality customers, the bank will activate certain incentives for dormant credit cards and increase the credit card limit.

4. Increase your credit limit

The purpose of making a fixed deposit with China Construction Bank is to let the bank see that you have sufficient funds and that your repayment ability is not bad.

5. Apply for installments

Appropriately handle installments for CCB bills to make the bank feel that you have higher consumption needs;

CCB credit card is issued by China Construction Bank credit card. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

Annual fee-free policy: Standard Gold Card swiping the card 3 times or 18 times is exempt from the annual fee for the following year (excluding business cards, car cards and other special cards).

Cash withdrawal handling fee: Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.

Multiple account management: enjoy the same credit limit and independent repayment on multiple CCB cards on the same billing date

Instalment business: support interest-free installments (3 installments, 6 installments, Issue 12). After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments

Billing date: every month There are multiple billing dates, and cardholders can change them once a year during the validity period of the card

Currency: RMB, RMB/USD, RMB/EUR

During the interest-free repayment period Within: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. sky. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5% late payment fee is charged.

That’s it for the introduction of how to use credit cards.