How to increase the credit card limit

The credit card limit is determined based on the credit card level and the applicant’s financial status. Many cardholders will inevitably encounter problems when making comprehensive purchases. If the credit card limit is not enough, you need to increase the limit at this time. There are two aspects to increasing the credit card limit. One is to increase the temporary limit, and the other is to increase the fixed limit. Both of these have requirements for the time of use of the credit card. If it is the first time to increase the temporary limit, the application can only be made 3 months after the card application. If it is to increase the fixed limit, the application can be made 6 months after the card application. (Different banks have different regulations).

Increasing the temporary limit is much simpler than increasing the fixed limit. You only need to call the credit card service hotline of the relevant bank. The bank will review whether to increase the limit based on the usage of the credit card. In addition to reviewing the usage status of the credit card, increasing the fixed limit requires cardholders to provide new proof of financial resources, such as real estate, cars, deposits, financial management, insurance, etc. The more sufficient proof of financial resources you provide, the higher the chance of being raised.

In addition, in addition to the cardholder's initiative to apply, the bank will also adjust the credit card limit according to our consumption usage. I have put together some tips for increasing your quota for your reference.

1. Increase the frequency of credit card swiping. Daily consumption in life can be carried out through credit cards, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc., ranging from paying utility bills to large ones. Buy home appliances, go on a trip, and make as many purchases as possible, an average of more than 10 purchases per month, preferably more than 20 purchases. This will make the bank think that you have a certain dependence on credit cards. In addition, occasional large purchases will also Let the bank think that the current limit is not enough.

2. Repay on time. Banks usually like customers with strong spending power and good repayment ability. If you really can't pay in the short term, you can also choose to repay in installments (choosing installments will bring problems to the bank) to make profits), but it must not be overdue.

3. Try to withdraw as little cash as possible.

4. Provide as many new property certificates as possible, whether it is personal salary, newly purchased real estate, or recently purchased a car. This information can be submitted to the bank to prove to them that you have certain financial assets. Ability to repay.

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 limit of a credit card

The first thing to do to increase the limit of a credit card is to spend more, spend more It is best to be diversified when shopping, such as shopping in stores, watching movies, eating, etc. Different consumption scenarios can prove that users have strong spending power. However, after consumption, they must repay on time. Only by repaying on time can the limit be increased. .

If you want to increase your limit, be sure not to repay it overdue. Overdue repayment will leave a bad impression on the bank, and long-term overdue payments will lead to a credit report; at the same time, you cannot use the lowest limit when repaying. Repayment amount. Using the minimum repayment amount indicates that there is a problem with the cardholder's financial resources, and the bank will not increase the amount.

You can use a temporary limit when using a credit card. Using a temporary limit can show that the cardholder has strong spending power. Banks will always pay attention to users with relatively large spending limits and will give them credit after using them for a period of time. Increase the amount. However, after the temporary quota is used, it must be paid back in one go, and installment repayment is not allowed.

To increase the fixed limit of a credit card, you can directly call the bank's customer service hotline. During the process, the customer service staff will verify the relevant information, and then the customer service will submit the application materials. As for whether the bank approves or how much to increase, it is generally determined by the bank based on the recent Determined by usage records.

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 frequent the card is used for consumption, the higher the credit card user's loyalty 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!

Finally, I urge everyone to pay back their credit cards on time when using credit cards! The consequences of not paying back your credit card overdue are very serious, it will directly affect your life, and you may even be jailed.

How to increase your credit card limit?

Method 1 to increase your credit card limit: Spend as much as possible with your credit card

Use your credit card to spend as many times and as much as possible. Generally speaking, the total amount of consumption within six months should be at least 30 of your limit. above. The bank's credit card center will adjust the limit based on your credit card utilization and repayment history.

In addition, compared with online consumption, it is easier to get a credit limit when swiping a card in a physical store, such as home appliance consumption, catering consumption, supermarket shopping, etc. In short, try to swipe the card when you can.

Method 2 to increase the credit card limit: actively apply for a limit increase after half a year

Under normal circumstances, after using a credit card for half a year, the cardholder can actively apply to increase the temporary limit of the credit card or Credit limit. There are many ways to apply for a limit increase. You can apply for a limit increase online, by phone, text message or WeChat. The details depend on the way the bank provides services.

As competition in the domestic credit card market becomes increasingly fierce, it has become a strategy for banks to take the initiative to increase credit limit for regular credit card holders. Usually, banks will take the initiative to increase credit card limits for cardholders before peak consumption periods such as New Year's Day, Spring Festival, May Day, and National Day. In addition, if your card's monthly consumption limit often reaches 60-100 of the usage limit, the bank will generally take the initiative to increase the limit for you based on usage.

Method 3 to increase credit card limit: Repay in full and on time to avoid late payment fees

After using a credit card for consumption, make sure to repay the monthly payment in full and on time. Once the payment is overdue, not only will you have to pay high late fees, but you will also have a bad credit record, which will affect your future credit card applications.

If you cannot repay in time, you must call the bank's customer service hotline in advance to explain the reasons and apply for a grace period of a few days. Most banks can grant a grace period of 3 days, among which China Guangfa Bank and China Construction Bank can grant a grace period of 5 days.

This ends the introduction on how to increase credit card limit and how to increase credit card limit. Have you found the information you need?