As one of the four major state-owned banks, Agricultural Bank of China has high thresholds and risk control, but compared to the other three major banks, it is still easy for Agricultural Bank of China to increase its quota. The Agricultural Bank of China credit card cooperates with many merchants and has many co-branded cards. It can be said to be a bank that is relatively friendly to the people. Many people say that it is difficult to increase the credit limit of Agricultural Bank of China’s credit card. In fact, all banks’ credit cards require good use of the card, and you can increase the credit limit by diversifying your consumption. Below I have compiled an analysis of the advantages and disadvantages of Agricultural Bank of China credit cards!
1. Advantages and Disadvantages of Agricultural Bank of China Credit Card:
Advantages: Many activities, many outlets, fast credit limit increase, 56-day interest-free period, free text message reminders, and professional business travel services for credit card customers.
Disadvantages: high threshold, low limit (500 credit limit for card application is too much), long approval time, no points.
2. Agricultural Bank of China credit card limit increase tips:
1. Use more cards: Agricultural Bank of China likes to make large purchases, such as buying home appliances and decoration. Of course, try to contact customer service before using this. Explain the situation over the phone. Agricultural Bank of China does not look at liabilities. You can spend more and swipe more. There is no limit on the number of swipes. Agricultural Bank of China likes to swipe more.
2. Apply on time: Agricultural Bank of China has no upper limit for limit increases. Do you think it’s not worth having? Moreover, as long as you use Agricultural Bank of China’s credit cards, if you apply for limit increases every once in a while, the amount will be more or less. I will mention it to you, basically every six months.
3. Appropriate installment: Credit card can be appropriately installment, so that when the bank makes money, it will naturally increase your limit.
4. No cash withdrawals: Remember that Agricultural Bank of China credit cards do not allow cash withdrawals without consumption, and it is basically difficult to withdraw funds after withdrawing cash from Agricultural Bank of China.
5. Use less temporary quota: Agricultural Bank of China’s temporary quota occupies a fixed quota. That is to say, using a temporary quota once takes up the time for the fixed quota to increase. It is best not to use the temporary quota.
6. Don’t apply frequently: Don’t call customers frequently to apply for loan increases, otherwise your credit report will show post-loan management. And once the upper limit of the number of times you apply for a credit increase is reached, you will enter the bank's gray list.
7. Manual application: Agricultural Bank of China’s WeChat and self-service voice calls can only increase the temporary quota.
8. Curved limit increase: For example, for the previous credit coins, after the application is successful, call customer service and ask for the limit to be adjusted.
9. Don’t cancel low-limit cards: Agricultural Bank of China has many low-limit cards, but you’d better not cancel the card, because once the card is canceled, it will not only take six months to apply, but it will also not be easy. . The best way is to continue using it, go to the Agricultural Bank of China with your asset certificate and income certificate and fill out the quota increase application form. Generally, the quota increase result will be available in about half a month.
10. Diversified consumption: Agricultural Bank of China cards like diversified consumption and high-end merchants, such as star hotels, KTV or health clubs. Such merchants consume about 5 times a month, and the consumption limit reaches the credit card limit. A quota increase of around 70 is just around the corner.
The above is the content of "Analysis of Advantages and Disadvantages of Agricultural Bank of China Credit Card!" that I introduced to you about Jintou Credit Card. I hope this article I compiled will be useful to you. If you want to know more about credit cards, it is recommended to pay attention to Jintou Credit Card!
Disclaimer: The operational suggestions in the article only represent the views of a third party and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Trade accordingly at your own risk.