Hello, everyone, I am borrowing skills. As a bank employee and the author of "Playing with Credit Cards: This is the Practice of Card God", I focus on answering questions about bank deposits, loans, credit cards and financial management.

it is the idea of many people to increase the credit limit of credit cards. Therefore, many people increase the total credit limit by handling multiple credit cards. However, I don't agree with the way of handling nine credit cards to increase the credit limit, because it is counterproductive. The specific analysis is as follows:

1. Ways to increase the total credit limit of credit cards

Generally speaking, there are two ways for cardholders to increase the total credit limit of credit cards: one is to increase the credit limit of a single credit card; The second is to run more credit cards, and through the accumulation of credit lines of multiple credit cards, the purpose of improving the total amount of credit cards is achieved.

2. Effective strategies to increase the credit card limit

Judging from the current ways in which banks consider the credit of credit card holders, the following strategies should be adopted to increase the credit card limit:

1. First, set up one or two credit cards of large banks in China, concentrate on consumption, increase the amount and frequency of consumption, make banks feel that you are a person with consumption potential and credit, and give you a higher limit.

2. handle the card with a card. At present, some joint-stock banks have simplified the credit consideration of customers who apply for credit cards, and directly rely on the audit results of customers' credit by large state-owned banks to give credit cards with the same credit limit or higher to customers who hold credit cards of large state-owned banks.

3. increase the credit card limit one by one. For a period of time, we will concentrate on using the same credit card, win the favor of the issuing bank through high-frequency consumption and near-full consumption, and thus obtain a higher quota.

Third, get out of the misunderstanding of credit card withdrawal

At present, some cardholders who have difficulty in withdrawing money will increase the total credit limit by handling credit cards from many banks. But the result of doing so will be counterproductive. Banks don't like to give cardholders "one more credit" (that is, to handle multiple credit cards). For such cardholders, banks strictly control the review and it is even more difficult to increase the quota.

inscription: in addition to certain skills, the most important thing for credit card withdrawal is the cardholder's debt ability.

The overdue rate of credit cards is high, and banks are gradually tightening credit cards.

Since 219, the overdue rate of credit cards has gradually increased, and the overdue amount of credit cards has almost exceeded 8 billion by the end of the 19th century. Then, affected by the epidemic in 22, the overdue situation of credit cards is even worse. In view of this situation, banks have tightened their policies on credit card granting. Especially during the epidemic, many cardholders' cards have been reduced or even blocked, including some cardholders who have used their cards for a long time and have a very good repayment record. Therefore, I think that in 22, the policies of major banks on credit cards will enter the cold winter period, unlike previous years, when credit cards were issued in large quantities, with high credit, and even loans were issued through credit cards.

Credit card withdrawal skills

In fact, there is no absolute secret about credit card withdrawal. Nothing more than two aspects: good consumer repayment records and some poor information. Of course, a few years ago, many people used these skills to teach cardholders how to raise the amount, or simply helped cardholders to do the actual operation to raise the amount, so they didn't miss a lot of cardholders' "IQ tax".

although I think credit card withdrawal skills are always the two points I mentioned above. But after all, in this year's big environment, it is very good that everyone can keep the credit card limit from being reduced. Except for special cardholders, of course. As for how special, I will talk about it below.

let's talk about this skill of raising the amount first.

For credit cards, we must first understand that although credit cards have an interest-free period of more than 5 days. But it's not that banks don't make money through credit cards. Banks issue credit cards mainly to make money.

the way to make money is nothing more than sharing the consumption rate, that is, cardholders will have a rate if they don't spend a sum, for example, the current rate is usually .5%. If the cardholder spends 1, yuan, there will be a handling fee of .5%. And part of this fee will be distributed to the bank. As one of the profit sources of the bank.

So we can draw a conclusion here that if you want the bank to give you an amount of money, you must first make the bank make money. The more you spend, the more he earns. The more he earns, the more he will give you an amount of money to spend. Giving you more money is an amount of money.

Secondly, there are ways for banks to make money: installment fees, minimum repayment interest, overdue payment fines and so on. In short, every bank knows that credit cards can bring them higher income than loans.

of course, here's the problem. In fact, the money earned through the cardholder's consumption of the bank is the least. In principle, the bank earns the most by installment and minimum repayment. But just by stages, the minimum repayment is the biggest obstacle to the credit card withdrawal.

so, this is the next question of repayment. Of course, there are three ways of credit card repayment: full repayment, installment repayment and minimum repayment. The most profitable ones are definitely installment repayment and minimum repayment. After all, full repayment is interest-free, so banks make the least money.

But why do banks like to withdraw money from customers who always pay in full? This involves a risk control problem. In fact, if the cardholder spends within the credit scope of the credit card, no matter how much he spends, he can repay in full every time, which means that the higher the cardholder's solvency, the better his economic strength, which is simply money. For these customers, the bank is the favorite, and will definitely increase the amount of these cardholders' cards, so that cardholders can spend more.

for customers with installment and minimum repayment. In fact, there is a problem with solvency. Of course, the occasional installment does not affect the credit card withdrawal. But long-term installment or long-term minimum repayment, and immediately after repayment, the card is always empty, so the probability of withdrawal is extremely low, unless you have other good qualifications to testify, which I will mention below.

The information gap here may be known to many friends. In fact, many credit card intermediary friends like to study the poor information about credit card withdrawal. That is to say, in fact, each bank's credit card uses different withdrawal characteristics, consumption methods, repayment methods, withdrawal time periods and so on. And many cardholders who are good at research have the opportunity to master this information for the first time, so as to get the credit card withdrawal. The most fundamental core point of credit card withdrawal

Although credit card withdrawal is skillful, don't forget a basic fact. Banks only issue credit cards to those applicants who meet the requirements for card processing. For cardholders who meet the conditions, just as the epidemic situation is so serious, some friends around me have raised their credit cards a few days ago.

what is economic strength? The economic strength recognized by banks for cardholders is actually income and assets. In fact, we all know that we should keep the credit card fully repaid now, as long as you don't have a credit card loan. There are many ways to repay in full without installment. Therefore, from this point of view, it is already difficult for banks to do risk control, so banks have now come up with new countermeasures, that is, the so-called magic height is one foot, and the road is ten feet high.

to put it simply, it's actually very difficult to get a card, let alone raise the amount, because there are no assets in the name and no social security accumulation fund that can prove the work.

this is said on the basis of economic strength, which is particularly critical for raising the amount. That's debt capacity. What is debt capacity, that is, the cardholder's various income assets are added and subtracted to get their own liabilities, and the resulting figure is positive or negative. If it is a positive number, it means that you are still in debt. If you use some withdrawal techniques, then credit cards can definitely be withdrawn. If it is negative, then I'm sorry, your debt exceeds the value of your comprehensive assets in the past. Even if the cardholder's credit card is used well, the limit will definitely not rise for ten thousand years. At most, the cardholder will be given a temporary limit to play.

if the cardholder has an overdue credit record, and this overdue record is due to a credit card. Then I can tell you that you can't expect to increase the amount of this credit card. Unless you suddenly increase your financial strength and have some dealings with the issuing bank that can prove your financial strength, such as saving a large sum of money, there is still a small chance that the quota can be increased. This is not a closed black room, because there is still a chance to ease the credit card black room. This is life imprisonment, and there is basically no room for salvation.

the second is whether the overdue record has crossed the line. For example, there are serious overdue records reflected in the credit information, such as three tired six. Then you can't expect any more credit card withdrawals. What should the subject do

From the subject's situation, there are 9 credit cards, and the overall credit line is unknown at present. From the number of cards held, it is estimated that the number of credit card accounts involved is dozens, because many of them are dual-currency cards and multi-currency cards, which will easily cause a burden on credit investigation. Then the probability of applying for a new card here is very low, unless the same application is made in the existing credit card issuing bank, but all cards issued by the same bank are entitled to the maximum credit line.

the second is debt, 9 cards. if the credit line of the subject is very high, it has exceeded the economic strength and debt ability of the subject. Then even the best skills are versatile. The quota will no longer be raised. Therefore, the subject can combine my above content, first self-evaluate the possibility of credit card withdrawal, and then adopt some withdrawal techniques to see if the credit card quota can be improved. However, after all, there are special circumstances this year, and banks are already tightening their credit card policies. Therefore, I suggest that according to the current situation of the subject, it is best to keep these cards from being downgraded and sealed, and then wait until the situation improves before thinking about raising the amount. You are caught in the trap of a credit card

Dear Gods! I have nine credit cards. How can I quickly increase the credit card limit? Yes, I think you're already in the credit card business. It's better to pull back from the brink and turn back to shore.

Too many but not good

Nine credit cards. I don't know if your nine cards are one for each bank or how long a bank is. My experience is that each bank has one card, which is quite reasonable. If there are more than one bank, they will enjoy the quota. In fact, your quota is not high, mainly because the card-issuing bank evaluates your comprehensive value, which is only worth so much money. The purpose is to tell you your current limit, first get into the habit of credit card consumption, then I will tell you, and then I will increase your limit. And you foolishly believe, start spending crazily, and hope to increase the quota. When you get to the second year, the phone wants to increase the quota. After an evaluation, they will tell you to increase your quota by 5 million or 1 thousand, and you expect to double it. You will have a big psychological gap, but you find that you can't live without credit cards.

There is no shortcut, just relying on strength

In fact, a credit card is also a beard craftsman, watching people order dishes. Look at those card-issuing banks, which give them to celebrities, begging them to apply for cards and give them an unlimited amount of money. And our grassroots diaosi and working class, the amount given is 1,-5,, and the maximum amount of support is 1, yuan. It is not enough to buy a car. Because they think your spending power is not enough to buy a car with a credit card and then pay back the money next month.

Final conclusion:

You said that they looked down on you and didn't believe that you had the ability to spend a high amount that month and pay it back next month. Then you say that if you ask him for a high quota, will he give you a raise? The quota is not begged, but earned by strength. Therefore, I suggest that you have the energy to improve your cognition so that you can earn more money. By then, you may find that credit cards are not a necessity for you, and you can live a more moist life. I hope you can understand the essence of credit card earlier, which is to drain you, not to help you. My suggestion doesn't make sense to think about getting a credit card or raising the limit.

two basic principles of credit card withdrawal.

1. Have spending power recognized by banks.

2. Have the repayment ability to reassure banks.

Several tips for credit card withdrawal

1: Usually, use more credit cards, increase the number of swipes, make multiple small transactions, and spend more than 15 times on a single card.

2: Never overdue. Once overdue, there is basically no possibility to raise the amount.

3. Appropriate and reasonable installment

4. Fixed deposit, in which funds are deposited in the savings card of the credit card holder. The larger the amount, the longer the fixed deposit time, which is helpful for the withdrawal.

5: Don't make the minimum repayment. It's better to make the full repayment every time.

6: when there is an increase in real estate during the use of the credit card, you should supplement the certificate of real estate increase to the bank in time to prove your financial resources.

credit card withdrawal skills

1: Credit cards should be diversified.

2. Cross-consumption of large and small amounts, and control the consumption ratio.

3: the monthly credit card spending limit should not exceed 8% of the total amount, and be careful not to use up all the credit card limits.

4. Use the regular credit card machine reasonably, and the credit card amount matches the merchants.

5: Use the temporary quota more to prove your spending power.

6: More high-end consumption shows that you have economic strength.

First of all, you should have a lot of credit cards, because under normal circumstances, we ordinary people should have between 5 and 8 credit cards.

because in general, it is not easy to apply for more than five credit cards. Sometimes the number of credit cards depends on your comprehensive credit. Now the bank is very strict in granting credit to individuals. If your credit line reaches a certain limit, then the bank will not give you a credit line or issue a new card.

If you have nine credit cards, then if you make good use of them to avoid cashing out and spending frequently, I think there should be no big problem if the limit is raised to 5,. The current credit card has a normal limit, which is basically around 5, yuan. But your credit information must be good, and you can't leave a negative record. If you leave a negative record, it will affect your later withdrawal.

When using the card, we should go to shopping malls, supermarkets, restaurants and entertainment services for diversified consumption.