How to increase your credit card limit? Seven ways to increase your credit card limit

The credit card limit you finally applied for is too low, which makes bad people very distressed. With only 2-3,000 yuan, everything can be done If you can't do it, you really can't meet the needs of cardholders. So what are some good ways to quickly increase the credit card limit?

1: Frequent swiping of credit cards to maintain a high consumption limit

Industry insiders said that developing the habit of swiping cards to pay in daily consumption life will help increase the limit of credit cards. For example, when shopping, eating out, watching movies, supermarket shopping, etc., you need to use your credit card frequently, regardless of the amount, with an average of more than 10 transactions per month. If you reach more than 20 transactions, it is easier to increase the credit limit.

In addition to the number of transactions, you should also pay attention to the total consumption amount. If it can be repaid, keep monthly bill consumption above 30% of the total limit, preferably 80% of the total limit, so that the bank will have a greater chance of issuing an invitation to increase the limit.

Two: The types of consumer merchants should be diversified

Not all merchants can generate income for banks, so the corresponding banks usually do not allow cardholders to swipe their cards at such merchants. In order to accumulate credit card points, such card transactions will not be significantly helpful in applying for a limit increase. It is recommended that cardholders make more transactions with their cards at merchants with points.

In addition, different types of merchants should be swiped as much as possible. For example, after a few catering transactions, you can swipe at shopping malls and supermarkets to maintain transaction diversity. If you swipe multiple transactions at the same merchant in a short period of time, Transactions will be collectively regarded as suspected of cashing out.

Three: Occasionally let the bank "make a profit"

The cardholder asks the bank to increase the credit limit. In addition to checking whether the cardholder's credit status has been good, the bank will also See whether the cardholder can bring expected annualized expected returns to the bank. If the cardholder repays the card in full every time, the bank will not have any expected annualized expected return.

Therefore, after overdraft consumption, even if you are able to repay in full, you may wish to choose one or two bills with lower amounts to pay the "minimum repayment amount" or choose the installment repayment business to save money. Low interest rates gain the trust of banks.

Four: Apply to increase the temporary quota

Temporary transfer is only a supplementary method, which takes effect quickly and expires quickly, so pay attention to the timeliness. In addition, the temporary limit is not included in the minimum repayment amount. On the repayment date, if you are under repayment pressure and cannot repay in full at once, the bank will often regard it as overdue repayment and leave a bad record.

Five: Frequent cash withdrawals and frequent credit card installments

For cardholders who frequently withdraw cash from credit cards, the risk factor for banks is very high, but at the same time, the risk factor for cash withdrawals is very high. Cardholders are also the ones who contribute the most to the bank; installment users have relatively low risks, but their contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high. Method 6: Let the bank see your "financial strength"

While applying for a credit card, you can apply for the bank's debit card and save some money, or buy some financial products to make the bank think you have it. Strength, able to afford a higher overdraft limit. Of course, you can also add more detailed personal information and provide more asset certificates. This method is quite effective for cardholders whose credit limit and spending power seriously mismatch.

Six: Don’t be afraid to apply repeatedly

Continuously apply for limit increases through different channels, such as bank branches, telephone customer service, online banking, WeChat banking, etc. Sometimes different channels and different customer service may give different answers.

Seven: Use dormancy suspension or card cancellation threat

Intentionally deactivate the credit card for a period of time. In order to manage each customer well, the bank is willing to give a small reward. However, suspending the card for too long may cause the system to assess the economic contribution value as zero, or even directly reduce the credit limit.

After applying for a credit limit to the bank, if it is rejected by the bank, it directly indicates that if the credit card limit cannot meet the actual needs, it will consider canceling the card. It is best to present some facts and have a soft attitude. Be firm so that you can easily gain room for negotiation and maneuvering. This method can work sometimes, but it is not encouraged and should be used with caution.

I have applied for a Bank of China Great Wall Credit Card and my credit limit is 0. How can I increase my credit limit?

Bank of China will take the initiative to increase the fixed limit for you from time to time based on your consumption and repayment status; you can also use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, and online banking , customer service hotline to apply for temporary limit adjustment, Bank of China will apply for you based on your card usage.

The above content is for your reference, please refer to actual business regulations.

How to increase credit card limit? Comprehensive tips for increasing credit card limit

Friends often complain to me that their credit card limit is too low and they can’t even buy AJ if they want to. They ask me if there is anything I can do to increase it. Credit card limit method? The answer is of course yes. Below I will introduce you some tips to increase your credit card limit.

Tips for increasing your credit card balance

1. High frequency of credit card swiping

In daily life, it is best to develop the habit of swiping your card whenever you can. On the one hand, you can use the bank to During the interest-free period, you can add a little extra financial income to yourself. On the other hand, you have also become an active user of the bank. Usually, banks will have quota rewards for active users of the bank.

2. High consumption amount

Irregular large-amount consumption, and then normal repayment. Banks usually define these cardholders as high-quality customers. When judging the cardholders If there is a larger demand for the amount, the amount will be increased as appropriate.

3. Sustained and stable consumption

Banks generally have credit card holders who have been cardholders for more than one year and have transactions every bill month. Customers usually take the initiative to increase their limit. If the customer takes the initiative to apply for a permanent limit increase, the bank has a higher chance of approval.

4. Frequent cash withdrawals and multiple credit card installments

For cardholders who frequently withdraw cash from their credit cards, the risk factor for banks is very high, but at the same time, cardholders who withdraw cash frequently People also have the highest contribution to the bank; the risk of installment 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 generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.

5. Threat of card cancellation

In the era of credit card turmoil, if customer service staff receive a card cancellation application, they will often beg in every possible way, ask for the reasons, and then provide limit increases, gifts, etc. Encourage, but currently, for some state-owned banks or joint-stock banks with large card issuance scale, applying for a credit limit increase through the threat of card cancellation has gradually become outdated, and the success rate is very low.

The above are some tips for increasing your credit card limit. Have you learned it? However, I would like to remind everyone not to swipe cards uncontrollably just because the credit card limit has increased. For ordinary people, it is better to consume rationally to avoid being unable to pay off the debt on the repayment date, which will affect your credit score. , then the gain outweighs the loss.

8 tips to teach you how to quickly increase your credit card limit!

The credit card limit is the focus of everyone's attention. If the credit card limit you apply for is not high, don't worry, the credit card limit is not fixed and will increase as the cardholder swipes the card. Many people think that it is difficult to increase the credit card limit. In fact, as long as you master the skills, it is very easy to increase the credit card limit. Here are 8 tricks to quickly increase the credit card limit.

1. Good credit record

It is not difficult to borrow and repay. This is the most basic and critical thing for credit cards. If you want the bank to give it to you To increase your credit limit, first of all, you must maintain your credit and make full repayments on time. Make diligent repayments in the three months before opening the card, and repay as soon as you have money.

2. Continuous credit card consumption

The bills for credit card consumption require more than 3 consecutive months and cannot be interrupted, so consumption must be made every month.

3. Swipe the card more times

If you want the bank to increase your credit limit, you must let the bank see that you use the card frequently, so the more you swipe the card, the more active you are. It is recommended that the card should be swiped more than 20 times a month.

4. The amount of credit card swiped is too high

The credit card amount is too small and you still want to increase the credit limit. You can’t use the credit limit given to you, so you still expect the bank to increase the credit limit for you? The monthly bill consumption is at least 30% of the total amount.

5. Consumption types

(1) Consumption in supermarkets, shopping malls, hotels, KTV, bars, tea restaurants

(2) Refueling, airplanes, travel, Hotel consumption;

(3) Hong Kong, Macao and foreign consumption. (Introducing Easy-Forex to trade foreign currencies. You can trade foreign exchange by activating your EasyForex account with the first brush of 300 US dollars.)

6. Apply for a temporary increase

You can apply to the bank for an increase during holidays or travel. A temporary limit can prove your spending power and help increase your credit card limit.

7. Let the bank also make money

Everyone must understand that banks are not charities. Of course, banks hope to make profits by lending you money, so banks can only achieve mutual benefit. You will be given the opportunity to raise your quota.

(1) Pay the protection fee in appropriate installments;

(2) Withdraw cash appropriately and the bank will earn interest;

(3) Participate in activities and take the initiative to be fooled. The purpose of banks organizing activities is not to let you enjoy the activities, but to make profits. At this time, you take the initiative to participate in the activities, which gives the bank enough face and makes the bank make money. Go to the bank's own credit card point mall to buy something, and the bank will make all the profit from the purchase. How can he not like you?

8. Perseverance

(1) Use the card for 3 or 6 months and call to increase the limit;

(2) It doesn’t matter if you are rejected, persist unremitting. Sometimes different customer service requests will be handled differently.

How can you increase your credit limit as quickly as possible with Ping An Credit Card

1. Good card usage habits

This is the key to increasing your credit limit. Many cardholders think that As long as you use your credit card and spend more, you can easily increase your credit limit. Although frequent credit card purchases are very helpful for increasing your credit card limit, we must not swipe the card frequently at the same time. Even if we have to swipe the card, try not to round the limit to avoid system suspicion. You maliciously tx to control your risk. The number of credit card purchases per bill should be 12-20, and large amounts should be avoided. Mainly focus on small amounts and multiple purchases, combining online and offline transactions. The card swiping platform must be diversified, such as hotels, restaurants, entertainment, department stores, supermarkets, etc., and all three major categories of merchants must be present.

2. Bill utilization rate

Ping An Bank’s risk control is relatively strict. The consumption limit of each bill should not exceed 80% of the total amount, and it is best to control it between 60% and 60%. In the 80% range, if it exceeds 80% for a long time, it is likely to be directly reduced by Ping An Bank after full repayment.

3. Build contribution value

Ping An is a bank that started out as an insurance company, so the easiest way is to buy insurance from Ping An to increase contributions, but you don’t need to buy a large amount of insurance. , small insurance can be used, which not only increases the contribution value, but also ensures the stability and limit increase of the credit card; and those who do not have a credit card can apply for a credit card through this method. Ping An’s car owner card is very easy to apply for, and the card limit is not low. But those with high debt are best to reduce their debt before applying, as this will have a much higher success rate.

IV. Overseas Consumption

Ping An Bank has a special overseas temporary reservation quota for overseas consumption, so foreign currency consumption has a very significant impact on Ping An Bank's limit increase, regardless of the amount, as long as it is Real overseas consumption can get extra points. Cardholders who do not have the conditions and opportunities to go abroad can also use the online overseas consumption platform to consume real foreign currencies, without having to go abroad to kill two birds with one stone.

That’s it for the introduction of how to improve credit card credit.