To increase the quota, you usually need to pay attention to the following points:
1, frequency of use: increase your credit card frequency, use credit cards frequently, and insist on spending as long as you can swipe your card, regardless of the amount, which shows that you have a strong attachment to credit cards.
2. Repayment on time: Where is the credit is the premise, indicating that your repayment ability is very good after increasing the quota.
3. Amount: Your monthly bill consumption is at least 30% of your current total amount, which proves that you need to increase the amount.
Ways to increase the credit card limit:
1. Temporary Promotion-Customer Service Application
If it is urgent to increase the credit limit, you can call the credit card customer service hotline of Agricultural Bank of China at 400-669-5599 to apply for increasing the credit card limit. At that time, the customer service staff will help you complete the business of increasing the amount.
2. Long-term or permanent promotion-network application
If you want to increase the credit card limit for a long time or permanently, you need to bring your ID card and China Agricultural Bank credit card, as well as your new financial proof (such as the new real estate license). ), submit a withdrawal application to the counter staff at the bank outlet.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.
For safety reasons, it is best to keep credit card vouchers after consumption, so that you can know fairly well and develop good credit card financial habits.