credit card

Spend more, use it well if it is not overdue, and the bank will increase the quota. In fact, frequent card swiping does not necessarily increase the amount. It is necessary for the bank to increase the amount (fixed amount).

Comprehensive evaluation, such as credit card times, repayment, credit card amount, cardholder's income, credit card merchants and other factors will become the reference of the bank's comprehensive score. So what methods can you use to increase the quota when you usually use the card?

First, you can call the customer service phone of the issuing bank and ask for a temporary increase in the credit limit (if you ask the reason, you have to travel, travel, shop, etc.). Recently, I remember not to say anything about the cash flow of buying a car or a house. The bank will quickly review it according to the cardholder's usage. This method makes it easier to obtain a credit line.

Second: seize the opportunity to increase the limit and try to apply for an increase on the bill date or when the credit card is about to overdraw. The bank will think you have a demand and give you a line.

Third: Repaying in full and on time can show that you have good repayment ability, try to reduce the minimum repayment amount and eliminate bad credit card records. If there is really no condition for full repayment, at least ensure that the minimum repayment amount is paid on time and interest is paid.

Fourth: credit card consumption, the bill of credit card consumption should be uninterrupted for 3 consecutive months, and it is best to spend it in different merchants. If the economy permits, you can spend some money abroad or at high end (such as playing golf, booking air tickets, high-end western restaurants, star-rated hotels, etc.). ), which will help to increase the quota.

Fifth, supplement personal data, especially assets such as house, car, working status, marital status and technical titles. In order to improve your credit score in the bank and increase the credit limit.

Sixth, through installment repayment, the bank can make money and the bank can give you more money. Although this can increase the quota, it also has to pay a certain price.

To sum up, there are not many skills in using cards, but I usually have the habit of using credit cards. It will be easier to withdraw cash if you use the card for a long time.