Under normal circumstances, the temporary credit line is increased by 20% on the basis of the permanent credit line and has a certain validity period. The validity period is generally 1-2 months, after which the original fixed quota will be restored.
Therefore, under normal circumstances, temporary quotas cannot be converted into fixed quotas. For cardholders with good card records, the bank will occasionally increase the fixed amount. Cardholders can also apply for an increase in the fixed amount by themselves, and the bank will review their consumption, repayment and other card use and decide whether to increase the fixed amount.
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China Merchants Bank Credit Card Center is the first credit card center operating independently in accordance with international standards in China, which has truly realized the integration and professional service of credit cards. While refreshing the credit card records, China Merchants Bank's credit card adheres to the service concept and innovative spirit of "changing with you", actively explores the market, expands market alliances, deepens market segmentation, and its functions and services are increasingly enriched and improved. It is one of the most innovative joint-stock commercial banks in China.
References:
China Merchants Bank-Increase quota
How does the temporary quota of China Merchants Bank become a fixed quota?
The temporary credit line of China Merchants Bank cannot be changed into a fixed credit line. If cardholders want to increase the fixed credit line, they can only improve their comprehensive qualifications, and the fixed credit line will only be improved after passing the system evaluation.
Cardholders can improve their comprehensive quality in the following ways:
1. Repay on time, whether it's a credit card of China Merchants Bank, a credit card of other banks or a loan, you need to repay on time. Repayment on time means good compliance, and the better the compliance, the greater the possibility of increasing the quota;
2. Provide new financial certificates to China Merchants Bank, such as real estate, automobile production, China Merchants Bank savings certificate and other financial certificates that were not provided when applying for credit cards;
3. Increase the frequency and amount of credit card swiping, so that China Merchants Bank knows that cardholders have demand, which will generally increase the amount.
China Commercial Bank is the first joint-stock commercial bank in China that is wholly controlled by an enterprise legal person. Founded on April 8, 1987, with its headquarters in Shenzhen.
On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. It was listed on the Hong Kong Stock Exchange on September 22nd, 2006. Mainly engaged in banking and financial services.
On March 8, 2022, China Merchants Bank disclosed the annual report of 2002/kloc-0, and its annual operating income was 3312.53 million yuan, a year-on-year increase of 14.04%. The net profit attributable to shareholders of the Bank was1199.22 million yuan, a year-on-year increase of 23.20%.
business events
Debit card: It can be divided into one card and golden sunflower card, and has the functions of fixed deposit, multi-currency, and multi-function.
Credit card: a credit card in the form of chip and magnetic stripe, which has all functions such as overdraft and integral.
Golden sunflower financial management: a comprehensive financial management service system for individual high-end customers, covering liabilities, assets, intermediary business and financial consultants.
China Merchants Cigna: China Merchants Cigna Asset Management was approved as the fourth foreign-funded insurance asset management company.
investment in enterprise
In February 2020, 65,438+,I invested 65,438 billion yuan in Series A investment of Yonghui Sexian Development Co., Ltd.
Enterprise cooperation
On June 8, 2020, China Merchants Bank signed a strategic cooperation agreement with Tianjing Bio. According to the agreement, China Merchants Bank plans to provide Tianjing Bio with a comprehensive financing amount of not less than 2 billion yuan in the next five years and provide all-round financial services. [40]
In February, 20021,we participated in the strategic cooperation agreement of Weimar Automobile11500 million yuan.
On June 25th, 2022, at 65438, China Merchants Bank signed the M&A Financing Strategic Cooperation Agreement with China Resources Land and its subsidiary Vientiane Life Insurance in Shenzhen, and all parties established in-depth cooperation on M&A financing. China Merchants Bank fully supports the M&A business development of China Resources Land and China Resources Vientiane Life Insurance.
On March 3, 2022, China Merchants Bank and Country Garden Holdings Co., Ltd. signed a strategic cooperation agreement on real estate M&A financing of 654.38+0.5 billion yuan, and the two sides established a deep strategic cooperation relationship on real estate M&A financing. China Merchants Bank granted Country Garden a financing line of 654.38+0.5 billion yuan, which was specially used for the M&A business of Country Garden Real Estate, including but not limited to M&A loans, M&A funds, asset securitization and innovative financing derived from M&A-related business needs.
How to change the temporary credit line of China Merchants Bank into a fixed credit line?
Facts have proved that the temporary credit line of China Merchants Bank cannot be changed into a fixed credit line, but it can be extended appropriately. The specific steps are as follows:
1. Open the Pocket Life Personal Center of China Merchants Bank and click the credit line.
2. Next, you need to find the adjustment quota and select Enter.
3. At this time, after selecting the expiration date, the application will be submitted directly.
4. Enter the verification code received by the mobile phone, and click OK if there is no problem.
5. This will remind you that the temporary limit of credit card has been extended successfully.
How to increase the credit card limit of China Merchants Bank
Methods to increase the credit card limit of China Merchants Bank;
1. Increase the quota.
Cardholders can apply for an increase in the fixed amount by themselves, and China Merchants Bank will review their card usage such as consumption and repayment, and decide whether to increase the fixed amount. China Merchants Bank will occasionally increase the fixed quota for cardholders with good card records.
2. Apply for temporary quota
When the cardholder's fixed quota cannot meet the consumer demand, he can apply to China Merchants Bank for a temporary quota, which will take effect immediately after approval.
The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires.
After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.
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According to the relevant provisions of China Merchants Bank's credit card charter:
Article 35 The rights of card issuers
Article 5 For credit cards that have not been traded for more than 6 months, the card issuer has the right to reduce the credit limit of the cardholder's account.
Article 38 Obligations of the applicant and the cardholder
Article 6 If the card issuer increases the credit limit of its account due to the cardholder's good transaction and repayment records, and the cardholder is unwilling to increase the credit limit of the account, it shall request the card issuer to restore the credit limit of its original account through the online banking, mobile banking or customer service hotline of the card issuer within 10 natural days, otherwise it shall be deemed as the cardholder's commitment.
Whether the cardholder accepts the adjustment of the credit limit of his account by the card issuer or not, the cardholder has the responsibility to pay off the arrears that have occurred.
China Merchants Bank Credit Card-Credit Line
China Merchants Bank Credit Card-China Merchants Bank Credit Card Charter
How to increase the fixed amount of China Merchants Bank credit card?
At present, there are three ways to apply for adjusting the credit limit of China Merchants Bank's credit card: 1. You can call the customer service hotline to apply for increasing the credit limit after speaking on our customer service hotline, logging in to online banking or holding a card for a period of time, and we will apply for it for you according to your past card use; 2. Or when your economic level has improved to a certain extent, you can also provide us with relevant certificates (such as real estate, automobile property, savings certificate of China Merchants Bank, etc.). ), and fax or mail the financial proof that you did not provide before you applied for the card, including a copy of the real estate license (the real estate license must contain the name of yourself or your spouse or minor children), and the relevant departments will re-examine it according to your new information. 3. Log in to credit card online banking (popular version and professional version), account management-account quota management-quota adjustment-apply for quota increase. After the application, it will be reviewed according to your card usage. If you download Pocket Life, you can pay by card operation in quota management.
How to increase the fixed amount of China Merchants Bank credit card?
If you want to improve your credit card credit limit, you must first understand the credit evaluation basis of Chu Bank. Most banks analyze the credit card usage records (consumption and repayment records) of credit card holders every three months, evaluate the credit of cardholders according to the credit card usage, and then decide whether to increase the credit limit of their credit cards. This is what I read on credit.jr186.com/edu/tigao/about the promotion of credit card limit. The places where many people use credit cards the most are online shopping and online payment, such as shopping on Taobao and other websites and recharging payment in various online business halls. A lot of credit cards are used in each billing cycle, but the credit card limit just can't be raised. In fact, online shopping and online payment have no points, which is not the basis for increasing the quota. Therefore, it is impossible to increase the quota through online shopping and online payment. There is an exception to online consumption and online payment, that is, as long as merchants of China Merchants Bank make online shopping or online banking payment in these merchants, it is a credit card score, which can also be used as the basis for China Merchants Bank to evaluate the credit of cardholders. Usually, it is more about offline credit card consumption, and the personal credit of the banking system is often based on offline credit cards. In a credit evaluation cycle, a large number of credit cards are swiped every month, at least the amount of swiping cards is equal to the current credit card limit. If there is still a considerable gap from the full amount of the credit card, you can withdraw the cash, and the++of China Merchants Bank has points. It should be noted that the withdrawal should be returned in full as soon as possible. In this way, the amount of cards used for credit assessment of the promotion quota of China Merchants Bank can be reached. In each billing cycle, full repayment should be made before the final repayment date, and the minimum repayment amount is not allowed. For cash withdrawal, it is best to repay in full the next day. In this way, it can meet the requirements of good repayment record in the credit assessment of China Merchants Bank.
Let's stop here for the introduction of the fixed quota of China Merchants Credit Card.