How to increase the limit of 4,000 on Postal Bank Credit Card

1. When using the credit card, you should reach the limit of 4,000 on Postal Bank Credit Card, especially when spending money at merchants that cooperate with Postal Bank Credit Card. , and should repay on time. It can increase the probability of raising the quota.

2. You can choose the installment repayment method, which makes the bank profitable when using a credit card for large purchases.

3. If the credit card has been used for about a year and the limit has not been increased, you can call the credit card customer service number and actively apply to the manual customer service for a limit increase. And said that the quota is not enough, etc.

How to increase the limit of postal credit card

How to increase the limit of postal credit card, there are the following two methods:

1. Permanent limit adjustment

When credit card holders need to increase their credit limit, they can call the credit card customer service hotline. Postal Savings Bank will handle the permanent limit adjustment request in a timely manner based on the cardholder's credit card status and credit standing.

2. Temporary limit adjustment

If credit card holders have large consumption needs in a short period of time, they can call the Postal Savings Credit Card customer service hotline 4008895580 to request a temporary limit increase, such as If you meet the conditions of our bank for temporary quota adjustment, the temporary quota adjustment can be realized within 24 hours. The temporary limit is valid for 30 days. After expiration, the credit limit will be automatically restored to the original limit.

The credit limit refers to the amount of money that a lender can lend to a borrower without providing property security. It usually refers to a natural person borrowing money from a bank, and the bank is willing to lend the maximum amount based on the individual's credit status. This amount will be determined unilaterally by the bank based on conditional factors such as income, revenue, debt ratio, job content, company, company position, property, etc. This lending relationship usually involves a bank lending money to a natural person. On the other hand, bank lending to organizations is usually a necessary business behavior for commercial organizations and cross-border transactions.

Tips for increasing the limit of postal credit cards;

1. Postal installment is more effective in increasing the limit. Generally, more than 2,000 is enough for one installment every 6 months. But I personally think it’s better to do it twice. By the way, it's a bill installment, not a cash installment. Cash installments are only available if you invite customers. The best installment is one month before the withdrawal date.

2. The fixed amount will be raised once every 6 months. You can call customer service to adjust your quota. You don't have to pay off the installments before you can make a withdrawal. When the time comes, you can call to withdraw.

3. After the temporary expiration, the bills will generally continue to come out after one period. If you need it urgently, then get it. If you are not in a hurry, don’t waste your fixed time.

4. Do not use temporary, as it will delay the time for raising the fixed amount. The shortest is one month after the temporary is over, and the longest is three months before the fixed amount can be adjusted.

5. The Postal Service attaches great importance to provident fund users, and the credit limit for using provident funds to purchase items is quite high.

6. Dingyabai needs to use provident fund to purchase parts, and the monthly provident fund amount for individuals plus units is required to be more than 2,000. Go to the website to apply.

7. The postal credit cannot be leveled, so if there is a curve, just use the card with a successful curve. There is no point in swiping separately.

8. The maximum limit of the gold card is 100,000. Of course there are exceptions. When you have assets, the back door will be opened for you, otherwise it will be one hundred thousand.

How to apply to increase the limit of your postal credit card?

The Postal Savings Bank of China's method for applying to increase the credit limit is:

1. Permanent limit adjustment: When credit card holders need to increase their credit limit, they can call the credit card customer service hotline , the Postal Savings Bank of China will handle the permanent balance adjustment request in a timely manner based on the cardholder's credit card status and credit standing.

2. Temporary limit adjustment: If a credit card holder has large consumption needs in a short period of time, he or she can call the credit card customer service hotline to request a temporary limit increase. If the conditions for temporary limit increase are met, the limit adjustment will be available 24 hours a day. Temporary quota adjustment can be achieved within 12 days. The temporary limit is valid for 30 days. After expiration, the credit limit will be automatically restored to the original limit.

China Postal Savings Credit Card Limit Rules: China Postal Savings Bank will determine the credit card limit based on the information and credit status provided by the credit card holder when applying. This limit is the maximum limit that the cardholder can use for overdraft consumption and cash withdrawals. limit. If you hold multiple credit cards issued by Postal Savings Bank of China, the credit limit will be the highest limit of a single credit card held in the cardholder's name, rather than the sum of the credit limits of multiple credit cards.

How to increase the limit of postal credit card

Generally speaking, when you apply for a bank credit card for the first time, because the bank does not receive your information comprehensively, it is likely to cause the delay in applying for the credit card. The card limit is low. Then you can only think of ways to increase the credit limit of your credit card. After all, the limit is too low and cannot meet the user's consumption needs. How to withdraw money with postal credit card? *** Let’s study together.

How to increase the limit of postal credit card?

When using a credit card, keep a good repayment record and do not default; use postal credit cards as much as possible for consumption, and after controlling a certain proportion of the monthly bill consumption, do not exceed 70-80 ;Properly handle partial bill amortization or large amortization.

Generally speaking, after using it for a period of time, cardholders can contact Postal Bank’s official customer service to apply for an upgrade. In addition, if you use a credit card for more than 3 months, you can apply for an increase in the temporary limit, and if you use a credit card for more than 6 months, you can apply for an increase in the fixed limit.

How to increase the limit of postal credit card

There are several ways to increase the limit of credit card: 1. Use the credit card more and more often to win by the number of card swipes. 2. Spend more with your credit card, preferably at a variety of merchants, to ensure the amount of credit card consumption every month. 3. It is best to generate consumption records with a total credit card limit of more than 30 yuan every month. If you persist for more than half a year, the bank system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

The reason why Postal Savings Bank’s credit cards can only be processed at branches:

Because bank branches are only responsible for guiding the filling of forms and receiving supporting documents, the final approval is completed by the credit card center. of. Therefore, it takes about a week for the branch to submit the application materials to the local branch, and then the branch will mail them to the credit card center of the head office. The credit card center will complete the data review and information verification within 5 working days to decide whether to approve the card and the amount of the card to be approved. Then the card will be produced within two days, and finally it will take about a week to mail the card to the applicant's reserved address. This series of processes takes about twenty working days. Of course, this is the average level. If the card application place is very close to the credit card center, it may take more than ten working days.

1. Basic requirements for credit card applicants

Main card applicant: Mainland Chinese residents who are over 18 years old and under 60 years old.

Applicants for additional cards: over 16 years old. Mainland Chinese residents under 60 years old.

2. Information required for credit card application

Required materials for applying for the main card: a copy of the applicant’s ID card and proof of employment. Materials to submit: any one of the following: proof of financial resources and proof of interest in dealings with our bank.

Applying for an additional card: A copy of the applicant’s ID card is required. The relationship between the supplementary card applicant and the principal cardholder must be direct relatives.

Postal Savings Bank Credit Card has a dedicated 24-hour customer service hotline 4008895580, as well as dedicated services at 39,000 bank outlets across the country. Service content includes:

1. Marketing event notifications, the latest discounts and promotions information are at a glance and at your fingertips;

2. Call the customer service hotline to inform your mobile phone number, address and other important information When changes are made, personal information will be updated in a timely manner to protect the rights and interests of users.

3. Main services: activate card; set or reset query password or transaction password; query: unissued bills, 12 issues of bills that can be queried, available credit limit, available cash withdrawal limit, etc.; fax Unissued and issued bills, re-sending issued bills; application for loss report, card replacement, account cancellation; application for or cancellation of SMS service, adjustment of the starting amount for monthly SMS notifications; application for installment payment business; application for limit adjustment.

That’s it for the introduction of how to increase the credit limit on postal credit cards.