On many forums, it is often seen that many intermediaries are hyping the technology of increasing the limit of empty credit cards, such as the 20% increase in the limit of empty credit cards of Agricultural Bank of China, the 10% increase in the limit of empty credit cards of Ping An Credit Card, etc. It is said that it can achieve rapid increase of the limit. Many people don't know what it means to increase the credit limit on an empty credit card and how to operate it. Let's take a look.

1. What does it mean to increase the credit limit on a credit card? In fact, it is a method of swiping a credit card with a small available limit to increase the temporary limit. It is not a real limit increase technology. Simply speaking, it is to swipe the over-limit of the credit card, but the premise is that the credit card you hold Credit card issuers can provide over-limit services. For example, China Construction Bank's credit card has the over-limit function enabled by default. The cardholder's CCB credit card has a credit limit of 3,000, but he wants to buy a product with a price between 3,001 and 3,300 yuan. After swiping the card, if the transaction is successful, it means If you use the excess limit, the part that exceeds the available limit is the empty card withdrawal part.

2. How to increase the balance of an empty credit card? In fact, the principle has been mentioned above. It is to find a credit card with an excess limit, then find a product with a price greater than the current limit available on the credit card, use this credit card to make purchases through the POS machine or QR code, and finally use the transaction results according to the transaction results. To determine whether the empty card amount withdrawal is successful. There are generally two results. One is that the transaction is successful, which means that the limit is exceeded successfully, and the limit is raised indirectly; the other is that the transaction fails, which means that the limit is exceeded and the limit is not successful, and the indirect limit raise is failed. Many cardholders have reported that if they frequently exceed their limit, as long as they spend normally and the transaction is successful, it will be very helpful for them to increase their credit card limit in the future. After all, people who often use more than their limit mean that the fixed limit provided by the bank is not enough. After the bank understands their demand for the limit, as long as they meet the conditions for increasing the limit, they will generally not be stingy about increasing the limit.