How to increase the limit of Guangfa Bank credit card (debit card)?
1. Use more credit cards (credit cards) for consumption: When cardholders usually consume, it is best to use credit cards (credit cards) to make purchases with credit cards (credit cards) to keep their accounts active. . Guangfa Bank Credit Card (Debit Card) Center will adjust the limit based on the cardholder's usage rate and repayment record.
2. Appropriate installment: Appropriate installment will also be helpful to increase the credit card (debit card) limit, especially applying for installment after making large purchases during holidays. However, the installment amount should not be too large, and the remaining bills can be repaid in full.
3. Submit proof of financial resources: Guangfa Bank pays more attention to the financial resources of cardholders. If the cardholder can provide sufficient financial resources, the bank will re-evaluate the assets of the card applicant and upgrade the credit card (credit card) ) amount.
4. Increase the temporary limit: The temporary limit of Guangfa Credit Card (credit card) can be used multiple times, which helps to increase the fixed limit.
How to increase the limit of Guangfa Bank Credit Card
You can apply for the limit increase of Guangfa Credit Card through the following channels:
1. Discover wonderful APP
Log in to the "Discover Wonderful" APP and click "My → Common Tools → Quota Management" to apply for temporary quotas and fixed quotas.
2. Online banking
After logging in to personal online banking, click "Credit Card → Limit Management → Limit Adjustment Application" and follow the prompts on the page.
3. WeChat official account
Follow the WeChat official account "Guangfa Credit Card", and after binding the card, select "Adjustment" in the "Card Application - Use Card" menu bar to apply for an increase.
4. Text message
Use the reserved mobile phone to edit the text message with the last four digits of the XTE card and the expected increased limit or the last four digits of the XLT card with the expected increased limit and send it to 95508 to apply. Spending quota or temporary consumption quota.
5. Customer service hotline
Call 95508 directly to apply for quota adjustment.
Cardholders should note that generally the first application for limit adjustment requires that the account has been opened for 6 months and the card is in normal use. Subsequent applications can be based on your own needs.
Main features of credit card:
1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;
2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;
3. Credit cards are high-tech products that integrate financial services and computer technology.
4. Credit cards can reduce the use of cash;
5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;
6. Credit cards It can simplify the collection procedures and save social labor;
7. Credit cards can promote product sales and meet social needs.
Main types
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of card issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal entities.
Personal card.
Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
How to increase the limit of Guangfa Bank credit card (debit card)? How long does it take to increase the limit?
As we all know, if your credit card (credit card) limit is insufficient, you can apply for an increase in the limit, and for Guangfa Credit Card (credit card), you can apply for an increase in the limit through the following channels:
1. Discovery Wonderful APP
Log in to the "Discover Wonderful" APP and click "My → Common Tools → Quota Management" to apply for temporary quotas and fixed quotas.
2. Online Banking
After logging in to personal online banking, click "Credit Card (Debit Card) → Limit Management → Limit Adjustment Application" and follow the prompts on the page.
3. WeChat official account
Follow the WeChat official account "Guangfa Credit Card (Credit Card)", and after binding the card, select "Adjust Limit" in the "Apply for Card-Use Card" menu bar "Apply for a quota increase.
4. Text message
Use the reserved mobile phone to edit the text message with the last four digits of the XTE card and the expected increased limit or the last four digits of the XLT card with the expected increased limit and send it to 95508 to apply. Spending quota or temporary consumption quota.
5. Customer service hotline
Call 95508 directly to apply for quota adjustment.
Cardholders should note that generally the first application for limit adjustment requires that the account has been opened for 6 months and the card is in normal use. Subsequent applications can be based on your own needs.
That’s it for the introduction of Guangfa Bank’s credit card limit increase.