How to increase credit card limit
Customers can adjust their credit card limit through the following channels:
1. Mobile banking customers can log in to mobile banking and go through "Credit Card - Card Go to the "Service - Limit Adjustment" menu;
2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.
Note: The above channels all support temporary quota adjustment and permanent quota adjustment.
(In case of business changes, please refer to the actual situation.)
How to increase the credit card limit
The credit card limit increase method is as follows:
1. Frequently swipe your card to increase your consumption limit. In daily consumption life, develop the habit of paying by credit card. Regardless of the amount, the average amount is more than 10 per month, and it is easier to raise the amount when it reaches more than 20;
2. The types of consumer merchants should be diversified. It is recommended that cardholders make more card transactions at merchants with points;
3. Apply for an increase in the temporary limit. Temporary adjustment is just a supplementary method. It takes effect quickly and expires quickly. Pay attention to the timeliness.
What are the reasons for the reduction of credit card limits?
The reasons for the reduction of credit card limits are as follows:
1. Active reduction. In order to prevent risks such as theft and fraud, users actively ask banks to reduce their balances;
2. Online cash withdrawals and other illegal cash withdrawals. When using Taobao-like websites, transactions are frequent, large amounts are traded, virtual goods are traded with fixed merchants, etc.;
3. Credit card is overdue. If the credit card is overdue for more than 60 days or even maliciously fails to repay the credit card, in addition to reducing the limit, it may also lead to card suspension, blacklisting, etc.;
4. The credit card has not been used for a long time. Banks have regulations that may reduce the credit limit of credit cards if they are not used for a long period of time.
Legal basis: Article 22 of the "Measures for the Administration of Bank Card Business"
The card-issuing bank shall impose penalties on credit card holders who have not repaid the minimum repayment amount and who have exceeded the credit limit. For any behavior, late payment fees and over-limit fees shall be charged at 5% of the unpaid portion of the minimum repayment amount and the portion exceeding the credit limit respectively.
Article 41
The card-issuing bank shall carefully examine the credit card applicant's credit status and determine effective guarantees and guarantee methods based on the applicant's credit status. Card-issuing banks should regularly review the credit status of credit card holders and adjust their credit limits based on changes in credit status.
How to increase credit limit faster by swiping credit card? Pay attention to these things!
Many cardholders must have heard that you need to swipe your credit card more often to increase your credit limit quickly. However, you cannot swipe your card randomly. In addition to avoiding some taboos when swiping your card, the more important thing is It’s better to master the card swiping skills, such as when to swipe the card, how much each swipe is, etc. Let’s learn about it together here.
How to increase credit limit faster by swiping credit card?
1. Avoid four taboo behaviors:
1. Use up the credit limit in one go: Especially when you just receive a credit card, you use up the entire credit limit in one go. , this is easily risk controlled, and it is recommended that a single consumption should not exceed 50% of the amount.
2. Credit card will be credited immediately after repayment: Credit card credit will be credited on the same day of repayment. The bank is not blind to such an obvious arbitrage behavior. If you really want to make credit card credit card payment, you can credit card card credit card credit card credit card credit card credit card credit card credit card credit card swipe the next day and multiple times.
3. Short credit card swiping intervals and high frequency on the same day: The same credit card is swiped at two different merchants for no more than 10 minutes on the same day, and the number of swipes is more than 5, and it is easy to be risk controlled.
2. Master the skills of swiping your card
1. Swipe your card during normal hours: Under normal circumstances, most stores will be open after 9:00 in the morning and between 22:00 in the evening. , it is normal to swipe your card during this period.
2. Pay attention to the amount when swiping the card: do not swipe the entire amount, do not swipe the same number, do not swipe straight, do not be too regular, and do not swipe decimal points for large amounts.
3. Be particular about the number of credit card transactions: Try to make 20 to 30 transactions every month, and don’t just make 1 or 2 large transactions each time.
4. It is best to swipe the card on the second day of the billing day: swiping the card on the second day of the billing day can enjoy the longest interest-free period, and swiping the card on the same day can only enjoy the shortest interest-free period;
5 , swipe more merchants with points and swipe cards in different application scenarios.
Don’t forget to repay on time after swiping your card
There is also a trick to this repayment. You can repay as soon as the bill comes out. Try not to repay on the repayment date. The bank will consider it a risky customer and will not be conducive to raising the limit.
The best way is to repay in a recurring cycle. Start repaying after the bill date. Repay 1/10 of the amount every day, and repay in two installments every other day. It is said that this is a high-quality Customer standards.
The above is the relevant introduction to "How to increase credit limit quickly by swiping credit cards? Pay attention to these things!" As long as you follow the above method and hold the card for consumption for 6 months, you can apply for a limit increase. However, whether the limit can be increased is still subject to the final review of the bank. I wish everyone can increase the limit.
How to use a credit card to increase the limit? Teach you 8 amazing operations for forehead lift!
Everyone knows that credit card limits vary from high to low. If used improperly, the bank will reduce the limit or even block the card. So what behaviors are considered "improper use", and how can you use your credit card to increase your credit limit?
1. Don’t let “poor people’s thinking” limit your credit card limit increase
Card usage behaviors such as long-term overdue payment, heavy incomings and outgoings, and credit card swiping during non-business hours all lead to credit card failure. Common reasons for card suspension and derating. Some people can't help but wonder: I never overdue, I repay when I use up, and I never make large purchases, so why is my quota reduced or unable to increase my quota? This may be due to your "poor people's thinking".
Of course, what we call "poor" does not refer to a lack of money and materials, but a lack of thinking. Many people think that credit cards are only needed by those who are short of money, or that using credit cards is actually a form of borrowing, which requires not only carrying debt but also paying interest. Therefore, even if you apply for a credit card, you will not activate it, or you will rarely use it after it is activated, and you will pay it back immediately after using it.
Although these card usage behaviors are not illegal, they may not be "welcome" to the bank. For empty cards or credit cards that are used less frequently, the bank will think that your credit limit is of no use and will reduce it for you; for credit cards that are repaid as soon as you use them and have not been installmentd for a long time, the bank will think that the contribution value is too low and may also reduce it. Forehead.
2. 8 magical operations for credit card credit limit increase, subverting your perception
1. Credit card swipe limit: the amount of a single credit card swipe is between 50% and 80% of the total limit , and there should be at least 1 hour between each card swiping.
2. The amount of credit card swiping: do not use integers, such as 1000; do not use straight numbers, such as 5678; do not use decimal points for large amounts, such as numbers that are not too regular, such as 618, 918.
3. Card swiping time: try to be between 9:00-22:00, which is the normal business hours of most merchants.
4. Card swiping location: Generally speaking, the credibility of consumption records of large merchants is higher than that of ordinary small merchants.
5. Purpose of card swiping: The consumption type must conform to normal consumption habits, such as daily consumption in the morning, shopping consumption in the afternoon, and leisure and entertainment consumption in the evening.
6. Number of card swipes: The number of card swipes per month is greater than 10 and less than 30.
7. Repayment skills: Repayment on the billing day has the best credit.
8. Installment repayment: You can apply for one installment repayment every 3-6 months, allowing the bank to make some money.
The above are some tips on increasing your credit card limit. In fact, using a credit card is not only for emergency needs, but also to build up credit for yourself, which will be very helpful when you need a large amount in the future.
How can I quickly increase my credit card limit?
1. Control the number and amount of credit card swipes
Credit cards need to be swiped more often to increase the limit quickly. Banks also issue credit cards to make money. The handling fee for swiping the card is one of the important incomes of the credit card business. 1. Only by spending more money with your card can you bring benefits to the bank, and the bank will be willing to increase your credit limit. Therefore, cardholders who swipe their credit cards frequently and have a high proportion of credit card swipes in a single month are more popular with banks. Generally speaking, the number of monthly purchases of a card must be more than 30, and the amount of card transactions in a single month must exceed 60% of the total credit limit, in order to apply for a limit increase transaction to be approved.
2. Participate in more credit card preferential activities
In order to encourage cardholders, banks will launch credit card preferential activities from time to time, including discounts and cash rebates. Participating in these discounts can save cardholders money. Cost, so cardholders can pay more attention to the card issuer's official announcements or official WeChat, etc., to grasp first-hand preferential information and actively participate, so that they can not only swipe their cards to maintain their cards, but also save money.
3. Choose the right merchant to swipe your card
Not all merchants’ card swiping transactions can generate income for banks. Some merchants do not charge card swiping fees. So, in such merchants, By swiping a card, the bank does not get much benefit. Therefore, everyone should choose the appropriate card for consumption.
4. Don’t go to a card maintenance company
The so-called card maintenance companies are actually credit card cash-out intermediaries. They use POS machines to make fake transactions to help cardholders repay their cards and charge a certain amount. For handling fees, if you hire a professional card maintenance company to maintain your card, the cardholder will have to bear a lot of risks, including the overdue risk of not being able to repay on time, the risk of personal information leakage, and the legal risk of cashing out the credit card, etc.!
That’s it for the introduction of how to increase credit card balance.