what if the credit card limit is insufficient? Three tricks to teach you to solve it easily!

double 11 has passed, and the Double 12 War is coming soon. Have friends who want to buy online prepared their credit cards? Can your credit card limit meet your spending on Double 12? Don't be afraid if the credit card limit is not enough. Just use three tricks to help you solve the problem of insufficient credit card limit.

what if the credit card limit is insufficient?

1. Apply for a temporary credit line:

In addition to a fixed credit line, a credit card also has a temporary credit line. As the name implies, this credit line has a use period, and the original credit line will be automatically restored after it expires. If the fixed limit is not enough for consumption, you can apply to the bank for a temporary limit to increase the overall credit card consumption limit.

It should be noted that the temporary line is different from the fixed line in terms of repayment methods. When it expires, it will be fully included in the current bill finance, and it must be fully repaid before the final repayment date. It cannot be used for installment or consumption according to the minimum repayment amount, and interest will be calculated on a daily basis and compound interest on a monthly basis.

2. Repay first and then spend:

If you have outstanding credit card debt before and want to get more credit card limit, you can pay off part of the credit card limit first, so that you can increase the credit limit, and then you can spend it directly by swiping the card. There are things to pay attention to here. It is best to pay back after the billing date comes out, and make sure that the credit card repayment has been recorded before consumption, otherwise you will have to pay back again this month to avoid overdue.

3. Handling credit card loans:

In order to meet the cash needs of cardholders, many banks have provided consumer loans based on credit cards, and most of them have independent credit lines, such as China Merchants Bank's e-loan, CITIC's dream loan, etc., which will not occupy the credit line. After successful handling, they can be transferred to debit cards for consumption or withdrawal.

to sum up, there are still many solutions to how to deal with insufficient credit card limit. However, it should be noted that although the above three methods can increase the credit card limit, the better the limit, the better. Never overdraw, or you will be considered as a malicious overdraft credit card if you have no money to repay after using the credit card. In serious cases, you will be investigated for criminal responsibility.

How to handle a low credit card quota? Credit card withdrawal skills

Many people who apply for a credit card for the first time have a very low quota approved by the bank, and some even have a credit card quota of only 1,, which simply cannot meet the daily consumption needs. What should I do if the credit card limit is low? Summarize some credit card withdrawal skills for you.

First, improve the frequency of using credit cards

With a credit card, of course, you have to swipe your card for your usual consumption, regardless of the amount. If your usual consumption demand is not much, you can also swipe your card when your relatives and friends spend. Spend more than 1 pens on average, of course, the more the better.

second, grasp the amount of credit card

the amount of credit card is as large as possible, and the total consumption for half a year is at least 3% of the limit, which is helpful to improve the credit card limit. Of course, it is necessary to avoid malicious card swiping, integer repayment and integer swiping. At other times, there is no card swiping record, and the credit card is in an empty state. This situation is likely to be suspected by the bank as a cash-out behavior, and naturally there is no way to raise the amount.

Third, repay on time to avoid overdue

It is most important to repay on time after spending in advance. Cardholders must pay off the amount they spent before the end of the repayment date after the bill date, and there will be a record of overdue repayment. For a long time, the bank will not give you the opportunity to withdraw the amount. In case of malicious overdue and unpaid debts, the bank may even ask you to cancel your card.

4. Pay attention to card care

Handling other credit cards has a certain effect on your credit card withdrawal, and it should be moderate. If you open too many cards and you don't need them at ordinary times, the bank will think that you have malicious card application behavior, which is not conducive to raising the amount.

Tips

You don't have to ask for a high credit card limit. With demand, the bank will naturally increase your credit limit according to your consumption situation. The more credit cards are overdrawn, the more pressure you will be unable to repay.

what should I do if the credit card limit of BOC is too low?

I suggest that you try to handle it through self-service channels of Bank of China (Bank of China Mobile Banking, "China Bank Credit Card" WeChat WeChat official account, and Bank of China Colorful Life APP). Handling related businesses through self-service channels will also check their credit information, and the increase result will be returned within 1-3 natural days, and the result will be subject to SMS. Or you can wait for BOC to increase the amount of eligible cards from time to time, and generally make a comprehensive evaluation with reference to your usage frequency, repayment record and consumption type. I suggest you choose diversified consumption and keep a good repayment record, which will help to increase the quota.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

what if the credit card limit is low? How to improve the credit card limit

What if the credit card limit is low? How to improve the low credit card limit? The credit card limit is low and insufficient, which is quite troublesome. However, for smart card users, it is not difficult to raise the amount.

increasing the credit card limit cannot be achieved by methods and skills alone. We not only need to know the rules of using and keeping credit cards, but also need to know the criteria for banks to judge whether to raise credit cards.

First of all, let's take a look at several skills to increase the credit card limit:

1. Maintain a good credit and repay in full and on time

If you can't repay on time under the existing credit line, how can the bank give you an additional amount?

2. Use credit cards as much as possible

In addition to large purchases, you usually use credit cards as much as possible, and you should brush all aspects of food, clothing, housing and transportation.

how and how much to brush, It can be summed up as the 2583 card-raising rule:

3, the 2583 card-raising rule

"2" means that a single consumption should not exceed 2% of the credit card's permanent limit

"5" means that the credit card amount should not exceed 5% of the credit card's permanent limit in a single day

"8" means that the credit card's limit should not exceed 8% every month

" Let the bank "earn" money

Credit card installment, cash withdrawal and other businesses can make the bank "earn" money and charge a certain fee and interest, so the bank will naturally be willing to increase your credit card limit.

It is said that different banks have different preferences when withdrawing money. The following are some skills summarized by Xiaorui:

China Merchants Bank: frequent credit card swiping

China Merchants Bank likes to look at the number of consumption, and is not sensitive to large-scale consumption. Regardless of the amount, it is good to swipe more cards. Generally speaking, China Merchants Bank can withdraw money very quickly, and the dollar card is better than the RMB card.

ICBC: Buy wealth management

It's easiest for ICBC to withdraw money under 1, yuan, just brush your ICBC card account into a double seven-star, and the safest way to get to a double six-star is to buy wealth management products.

China Construction Bank: Make clever use of temporary credit line

China Construction Bank likes small credit line, with many times and occasional installments. It can be withdrawn once every three months, with 5% to 6% each time. What is more commendable is that the temporary quota can be applied for many times, and the quota for new cards = fixed before cards+temporary.

China guangfa bank: large amount of credit card+short message withdrawal

8%-9% of the credit card, and then apply for withdrawal when the bill is paid and the loan is repaid in full. Generally, as long as you have used the card for more than half a year, you can apply for withdrawal once every three months. Guangfa's platinum card is more difficult to withdraw money than the gold card, so it is recommended to swipe the gold card mainly, and the probability and frequency of withdrawal are higher.

Shanghai Pudong Development Bank: proof of assets

Apart from insisting on credit card and other factors, Shanghai Pudong Development Bank values personal assets most. As long as you provide proof of assets such as real estate, cars and wealth management products under your name, you will be given an amount immediately! If you receive the invited installment SMS from Pufa, you are not far from the withdrawal!

Ping An Bank: Overdrawing

Ping An Bank should maintain diversified high-frequency consumption, and then let the balance in the card exceed the credit card limit before applying, which means paying more money.

What if the credit card limit is too low

Generally, credit cards have a limit, beyond which they cannot be overdrawn. So what if the credit card limit is too low? Let me talk about this problem.

1

The credit card limit is too low, generally because you provide too little information to the bank. You can call the credit card issuing center (there is a phone on the back of the credit card) and apply for increasing the limit.

2

It's not enough to apply for withdrawal. You need to provide information to the bank to prove your property and repayment ability, such as salary flow, passbook and real estate information.

3

The bank needs a review process to withdraw the amount for you. In this process, you can use the temporary limit of the credit card first and make full use of the temporary limit, which will help the bank to withdraw the amount for you.

4

The credit card limit can also be used for multiple times and gradually increased. However, whether it is credit card installment or temporary credit limit, it is necessary to repay in time. Maintaining good credit will always increase the credit card limit.

let's stop here for the introduction of how to deal with low credit card limit.