One is active application: call the customer service hotline of credit card center, mobile banking APP, official bank WeChat official account, small program and other channels to apply.
One is the automatic upgrade of the system: provided that the credit card records and repayment records are good. Even if they don't ask for the amount voluntarily, banks often raise the amount automatically. For a while, you found that the amount has increased, and even the bank customer service took the initiative to call to temporarily or permanently increase the amount.
Whether it is manual or systematic, it is actually the bank's data system that determines what can be promoted for customers, and then raises the amount. Therefore, it can be said that the amount is actually increased by the system.
The overdraft limit of a credit card depends on the bank's evaluation of your economic credit. If you want to get a higher credit limit, you need to do enough work to improve the bank's credit evaluation. Whether you apply for a credit card for the first time or in the process of using it, you can improve your credit limit through some skills.
Fully prepare all kinds of asset certificates. At the beginning of the application, because you don't have any consumer credit records in the bank, the bank will evaluate your various income assets and then decide how much credit line to give you.
If you want to greatly increase the credit limit when applying, you should carefully prepare all kinds of credit certificates, and don't bother. You should submit all income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates to the bank.
Fill in the details of the form carefully. When filling out the application form, there are several small details that affect the credit line, such as whether you have a fixed telephone number in this city, whether this number is registered in your own name or in the name of your family, whether you are married, whether your mobile phone number has a monthly rent, and whether it is a local account.
If the above answers are yes, the bank will greatly increase your credit evaluation, but every condition is not absolute, except that it is relatively easy to pass the qualification examination and the initial application for increasing the consumption limit. Consumer credit and repayment credit are still the most important for banks.
Don't forget to swipe your card anytime, anywhere. During the period of using the card, you should swipe your card more. Try to choose a shop that swipes your card. The more frequently you use it, there will be a relatively stable consumption quota every month, just changing the original habit of cash consumption to credit card.
This shows your loyalty to the bank. The bank's information system will count your credit card frequency and limit, and will automatically increase your credit limit in about half a year.
Repay on time and maintain good credit. If you owe money, you can borrow it if you change it Banks also strictly follow this old truth. If you don't change money on time, you will definitely lose credit. You'd better pay it back in full, not just the minimum payment. Interest in cycling will make you unbearable.
Take the initiative to apply for increasing the credit limit. After the normal use of the credit card for half a year, you can actively submit a written application or adjust the credit line through the service phone, which requires bank approval. Under normal circumstances, after reviewing the consumption records and credit records, your credit limit will be improved to some extent.
In case of major holidays or major expenditure needs, the bank may be required to temporarily increase the credit line, and the general bank will agree to increase the use within 24 hours and restore the previous credit line next month.