The strategies for increasing the credit limit of China Merchants Bank are as follows:

First of all, use credit cards frequently, regardless of the amount, and try to swipe the card for daily consumption. This will show your activity on the credit card. and trust. Try to keep your monthly consumption accounted for more than 50% of your total limit, which will help banks evaluate your credit spending ability.

Secondly, when short-term needs increase the quota, you can apply for a temporary quota, because such applications are easier to obtain approval. Make sure you have consumption records for three consecutive months to avoid bill interruptions and show that you have stable consumption habits and repayment ability.

Avoid over-reliance on revolving credit, that is, use less of the minimum repayment amount and try to repay in full. This way the bank will think that you have a good repayment record and consider increasing your credit limit. At the same time, providing proof of personal asset growth, such as salary increases, property or vehicle purchases, can further enhance your credit evaluation.

However, you should pay attention to the following when using a credit card: avoid using it as a savings card and understand the fees for cash withdrawals; repaying the loan in full after installments may incur additional handling fees; cherish the limit and avoid late repayments. loan, as past due records may affect your credit history and future loan applications.

In general, maintaining good usage habits and credit performance, and providing proof of assets in a timely manner are key steps to increase the credit limit of China Merchants Bank.