Tips for daily use and quick withdrawal of credit cards;
1. The frequency of swiping cards is high.
In daily life, it is best to develop the habit of swiping your card when you can. On the one hand, you can use the interest-free period of the bank for free and add a little extra wealth management income for yourself. On the other hand, you have virtually become an active user of the bank. Usually the bank will give a quota to the active users of the bank.
2. High consumption amount
Irregular large-scale consumption, which can be repaid normally afterwards, is usually defined as a quality customer by banks. After judging whether the cardholder has a large demand, increase the credit limit as appropriate.
3. Sustained and stable consumption takes a long time
Generally speaking, for credit cards with cardholders over 1 year and monthly transactions, banks will take the initiative to withdraw the amount. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are greater.
4. Cash withdrawals are frequent, and credit card installment is often done.
Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of income generation, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.
5. Card cancellation threat
In the era of credit card racing, if the customer service staff receives the application for returning the card, they will often beg in every way, ask the reason, and then give encouragement such as cash withdrawal and gift. However, for some state-owned banks or joint-stock banks with large card issuance, this method has gradually fallen behind and the success rate is very low.