Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .

So, the credit card limit is set at 50,000 yuan, which means that the maximum application amount for this credit card must not exceed 50,000 yuan.

1. Tips for increasing credit card limit:

1. Continuously and frequently swipe your card for consumption.

(1) Continuity means that after you have a credit card, you must insist on long-term credit card consumption. It is best to generate a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long time. some time.

(2) Frequency means to swipe your card wherever possible, regardless of the amount. The more times and merchants you use, the better. If you swipe your card all at once, it is easy for the bank to swipe it. It is difficult to raise the limit as it is considered suspicious of credit card withdrawals.

2. Pay attention to the credit card amount and temporary increase amount. Pay attention to the amount of credit card swiped and make full use of the temporary credit limit.

3. Persist in applying and seize the opportunity to apply. Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension. Use pin card threats or hibernation pauses. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that you can easily gain room for negotiation and maneuvering.

2. Tips for using credit cards:

1. Repay in full to avoid recurring interest;

2. Temporarily increase the credit limit to avoid maxing out the credit card;

3. The minimum repayment amount must be sufficient to avoid late payment fees.