The credit card of Beijing Rural Commercial Bank is also one of the credit cards favored by cardholders. Many cardholders will think of increasing the credit card limit when their credit cards are overdrawn. So how does Beijing Rural Commercial Bank increase the credit card quota?

1. Get into the habit of using credit cards: always use credit cards, spend at least 30% of the limit within half a year, and spend at least once a month on average 10. If it is more than 20 times, it is easier to withdraw cash.

2. Repay in full and on time, and try not to use revolving credit: If the cardholder repays less than the full amount, it will be regarded as using credit card revolving credit, and the bank will think that your repayment ability is limited and it is difficult to increase the credit card limit.

3. Pay attention to the timing of cash withdrawal by credit card, and don't apply for cash withdrawal too frequently: Beijing Rural Commercial Bank has requirements on the time of the first cash withdrawal and the interval between two cash withdrawals, such as six months after opening the card, and three months after the interval between two cash withdrawals. Therefore, the cardholder had better choose the appropriate actual application for withdrawal, and don't blindly apply for withdrawal without meeting the time conditions, which is easy to be rejected.

4. The types of credit card consumers should be diverse: at the same time, swiping cards on high-rate POS machines will help to increase the amount, such as entertainment and catering. At the same time, it is necessary to avoid spending credit cards in merchants without points, including but not limited to wholesale, building materials, real estate, public welfare, etc.

5. Avoid using credit cards for transactions discouraged by banks: buying a house and car, bulk transactions, online shopping and Alipay transactions. The less you withdraw, the easier it is to approve the application for increasing the quota.

To sum up, credit card holders of Beijing Rural Commercial Bank should pay attention to frequent card use and timely repayment, which will help to increase the credit card limit.

How does Beijing Rural Commercial Bank apply for credit card quota?

There are many ways for Beijing Rural Commercial Bank to apply for a credit card line, depending on whether you want to apply for a temporary line or a fixed line. It is easy to apply for a temporary line, but it is more complicated for a fixed line. A fixed amount requires you to keep a good record of using credit cards, and always use credit cards to spend. To increase the credit limit, you can apply through online banking, mobile banking and telephone.

Everbright bank advertisement

Annual fee-free platinum card is high!

Methods for Beijing Rural Commercial Bank to apply for credit card limit;

1, temporary promotion-customer service application.

If you need to increase the credit limit urgently, you can call the credit card customer service hotline of Beijing Rural Commercial Bank at 400-889-6 198 to apply for increasing the credit card limit voluntarily, and a customer service staff will help you complete the amount withdrawal business.

2. Long-term or permanent promotion-network application.

If you want to increase the credit card limit for a long time or permanently, you need to bring your ID card and Beijing Rural Commercial Bank credit card, as well as your new financial certificate (such as the new real estate license). ) go to the bank outlet and submit the withdrawal application to the counter staff.

For more information about how Beijing Rural Commercial Bank applies for credit card quota, please visit: See More.

Can rural commercial bank credit cards be repaid in installments?

Of course. Credit cards of rural commercial banks can not only pay the issued bills in installments, but also pay the current consumer transactions in installments, and can also handle the cash installment business.

Ruralcommercialbank (English name: rural commercial bank) is a commercial bank that serves local farmers, agriculture and rural economic development.

Rural commercial banks are mainly established on the basis of rural credit cooperatives and county (city) rural credit cooperatives. They are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations under their jurisdiction in the form of joint-stock companies.

Steps for rural commercial banks to apply for credit cards: Credit card processing can be done at the counter of rural commercial banks or in official website. The online application method is as follows:

(1) After entering the credit card application page of official website Rural Commercial Bank, select the application area, and the system will list the types of credit cards that can be applied for in this area. Click Apply Now to enter the information filling page.

(2) When applying, you must fill in++authentic and valid application materials, and the bank will make a distinction.

(3) Submit the form after completion, and the system will automatically conduct a preliminary review, and then submit it to the local branch for further review.

(4) The online application is basically consistent with the actual written application. Must be 18 years old or above, with stable work and repayment ability.

If the credit cards of rural commercial banks need to be phased, the methods are as follows:

1. Customers can log in to the personal online banking or mobile banking client of the rural commercial bank, enter the "Credit Card" page, find the credit card to be phased, and click it according to the page prompts to operate the phased operation.

2. If there is a business outlet of a rural commercial bank nearby, the customer can directly bring his credit card and ID card to the outlet counter to find the staff to handle the installment.

3. Customers can call the customer service telephone number of rural commercial banks (the telephone numbers of rural commercial banks vary from place to place), and apply for staging by themselves according to voice prompts or through manual service channels.

It should be noted that after the installment, you have to repay the amount payable last month on a monthly basis, and you can't make the minimum repayment. If not, it will be overdue and affect personal credit.

Credit card quota of rural commercial banks

Rural commercial banks all over the country are not a system, and the credit cards issued are different. The credit limit of rural commercial credit cards is mainly related to the applicant's credit conditions and the card level applied for. Generally, the credit line of Capka of Beijing Rural Commercial Bank is between 1 0,000-1 0,000, the credit line of gold card is between10,000-50,000, and the credit line of platinum card is more than 50,000 yuan.

Beijing Rural Commercial Bank Credit Card Application: Funong Card

applicant

Farmers engaged in rural production and business activities, large farmers, rural tourists, large buyers and sellers of products, individual industrial and commercial households involved in agriculture, and owners of small and medium-sized enterprises involved in agriculture.

Credit card function

1. Interest is calculated on deposit and settled quarterly.

The interest paid by Fu Nong Cardo is calculated according to the interest of demand deposits published by the bank and settled quarterly.

2. Reasonable pricing and flexible use of funds

Funong Card provides cardholders with the function of installment with a minimum of 1 day and a maximum of 180 days; At the same time, cardholders can make partial or full prepayment according to their own needs.

3. The loan application is convenient and the funds are received in real time.

After approval, the cardholder can apply for a loan through our credit card customer service hotline or through the counter, without providing additional materials, and the funds will arrive in real time.

4. One-time credit issuance and recovery

During the validity period of the card, the credit line can be recycled, and there is no need to approve each payment one by one.

5. Standardize the operation process and complete the examination and approval quickly.

After the applicant submits the qualified application materials, the card will be approved within 7 working days at the earliest.

So much for the introduction of Beijing Rural Commercial Credit Card.