How to increase the credit limit of Bank of China credit card?

During card consumption, if you find that the approved credit limit cannot meet your needs and you need to temporarily increase the credit limit, you can do so through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Apply for a temporary quota through Colorful Life APP, online banking, customer service hotline and other channels. Our bank will apply for you based on your card usage.

You cannot apply for a long-term increase over the phone. It is recommended that you try to apply through our bank’s self-service channels (mobile banking, WeChat). The increase result will be returned within 1-3 calendar days. The result will be subject to SMS. . Or you can wait for our bank to take the initiative to increase the credit limit for cards that meet the increase conditions from time to time.

The above content is for your reference, please refer to actual business regulations.

How to increase the Bank of China credit card limit

1. Maintain a high number of card swipes

The bills for swiping card purchases must be for 3 consecutive months without interruption. That is to say, if you use your credit card frequently every month, no matter how big or small the amount is, you will definitely use your card wherever you can swipe it.

2. Increase the total amount of credit card consumption

It is best to produce monthly bill consumption of at least 30% of the total amount.

3. Frequently apply for temporary quotas

Due to short-term needs such as festivals, tourism, business trips, etc. to increase the quota, you can apply for a temporary quota increase, which will be easier to approve.

4. Persistently apply for a limit increase from the bank

Continue to apply for a limit increase over the phone. Sometimes different customer service applications will be processed differently.

5. Threatening the bank to raise the limit

Canceling the card if the limit is not increased sometimes works.

6. Temporarily deactivate a credit card

If you intend to deactivate a credit card for a certain period of time, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.

7. Seize the opportunity to raise the bank's limit

The time to raise the bank's limit is also important. It is most effective to apply on billing day or when your card has just been maxed out.

8. Continuous use of credit card for consumption

The bill for consumption by credit card must be for 3 consecutive months without interruption, that is, consumption must be made every month.

1. Temporary limit adjustment for Bank of China credit card

When using a Bank of China credit card, if you find that the approved credit limit is not enough and you need to increase the credit limit, you can apply for a temporary increase in the credit limit. Credit card limit. After the temporary limit of the credit card expires, the credit limit will be automatically restored to the original limit.

2. Long-term credit limit adjustment of Bank of China credit card

If Bank of China credit card holders increase their credit card limit for a long time, they need to call BOC Credit Card 24-hour customer service after holding the card for 6 months. Apply hotline for credit card limit adjustment. Bank of China will inform the customer of the review results within a week based on the credit card holder's card usage history, repayment records, etc. in the past six months. If the cardholder can provide some asset certification materials when submitting the application, this will Higher credit limits are available.

The long-term credit limit of Bank of China credit cards does not support active application. The bank will take the initiative to increase the credit limit from time to time for cards that meet the conditions for increase. Generally, it will be based on the cardholder's usage frequency, repayment record, consumption type, etc. Comprehensive evaluation.

How to increase credit card limit

Quick way to increase credit card limit:

1. Spend as much as possible with credit card: After you apply for a credit card, spend as much as possible The more frequently the card is used, the more loyal the credit card user is to the bank. But the frequency should not be too high.

2. Use up your credit card limit as much as possible: It is best to use up the limit given by the bank every month, and make irregular large purchases, and then be able to repay normally. For these cardholders, banks usually Defined as high-quality customers, after judging whether the cardholder has a larger demand for a larger amount, the limit will be increased as appropriate.

3. Never incur late payment fees: Once you fail to repay on time, you will not only have to pay a high late payment fee, but it will also be recorded in the bank's credit system and registered in the central bank's personal credit report. In the system, this will not only affect your credit card application, limit increase and consumption, but also affect your loan application.

4. Proper use of temporary limit adjustment: Generally, 1-3 months after the credit card is opened, the credit card will prompt you with a temporary limit. If you repay the temporary limit after consumption, the bank will If you think you do have a high desire to consume and the ability to repay, it will be easy to increase your permanent limit.

5. U.S. dollar limit increase: If it is a dual-currency card, first deposit 100 US dollars for yourself, and then call customer service to apply for an increase. The reason is to go abroad and apply for an increase in the U.S. dollar limit. At the same time, the RMB quota has also been increased accordingly.

U.S. dollars can be directly deposited into ICBC online banking on the Internet. Click on credit card, currency USD, select foreign exchange repayment, enter 100 USD, and you can return the money from the savings card to the dual currency card into U.S. dollars. , the more dollars you save, the greater your probability of success.

6. Increase the amount of online precious metal transactions: Go to the bank's online banking, open an account in the financial investment section, invest funds, conduct transactions in it, pay a small handling fee, make a few transactions and call me to apply. I want to operate precious metals, but I don’t have enough funds. Please give me a quota.

7. Provide proof of financial resources: Provide real estate, cars, etc. Don’t be stingy with all types of assets and show them to the bank. Let the bank see your strength and show that you have a certain spending power and repayment ability!

How to increase the credit limit with Bank of China Credit Card?

It is recommended that you try to handle it through Bank of China’s self-service channels (Bank of China Mobile Banking, “Bank of China Credit Card” WeChat official account, Bank of China Colorful Life APP). If you handle related business through self-service channels, your credit report will also be checked. The result of the increase will be returned within 1-3 calendar days, and the result will be determined by text message. Or you can wait for Bank of China to take the initiative to increase the limit of cards that meet the increase conditions from time to time. Generally, it will conduct a comprehensive evaluation with reference to your frequency of use, repayment record, consumption type, etc. It is recommended that you choose diversified consumption and maintain a good repayment record, which will help increase your credit limit.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, you are welcome to consult the Bank of China online customer service or download and use the Bank of China mobile banking APP to consult and handle related services.

That’s it for the introduction of how to increase the limit of Chinese credit cards.