When buying something on JD.com and using a China Construction Bank credit card, can I save the balance that is insufficient and then buy it?

I can save the balance that is insufficient and then buy it.

The credit card limit, also known as the credit card available limit, refers to the maximum amount that can be used by your credit card. It includes the credit limit (that is, the maximum overdraft limit of the credit card) and the amount deposited into the credit card. . Can I deposit money into a CCB credit card to increase the credit limit?

Yes.

There are several ways to increase your credit limit:

In the process of using credit cards, develop a good repayment record, repay debts on time, and do not appear overdue. Help increase the amount.

When applying for a credit card, if you have a real estate certificate or a motor vehicle driving license, it is best to attach photocopies of these documents, which will help increase the limit. If you only have these things after the credit card is issued, you can also call customer service. Personnel, submit additional information to increase the quota.

If you need to temporarily increase the limit, you can directly call the credit card customer service and explain to them the problem and reason for temporarily increasing the limit (such as needing to purchase large appliances, traveling abroad, etc.).

Frequently use your credit card to make large purchases until you max out your credit card. After many times, you will have a great chance to increase your credit limit. When you go out to play, you can help your friends use their credit card to pay for them and let them pay. You pay in cash, and remember to pay off your credit card.

Open a debit card at the credit card issuing bank, and then deposit money into it every month. It is best to deposit more than 10,000 yuan (after depositing, it will be debited again after a while) Take it out) and complete the debit card transactions for several consecutive months. This way the bank will think that you have a stable income and increase the chance of increasing your limit.

Generally, when the limit is increased, the bank will take the initiative to call and communicate with you if it believes that you meet the conditions. The increase in the limit is mainly related to your income, fixed assets, current assets, and credit. My CCB credit card only has a limit of 5,000. I want to buy something worth 6,000. Can I put a thousand in it and use it for 6,000?

Of course, the CCB credit card limit has been used up! Can I still buy things in installments at Longka Mall?

No

When shopping in Longka Mall, you can choose to purchase in installments, but the prerequisite for purchase is that there is enough available fixed credit on your card. If there is not enough credit, you will have to pay. unsuccessful. Can the temporary limit of CCB credit card be paid in installments during Double 11?

Generally, the limit can be increased in about half a year.

To increase the temporary limit, the following conditions must be met:

1. Hold the card for more than half a year;

2. Make at least two transactions every month in the past six months Card swiping records, online payments are not counted;

3. The total amount swiped by the card in half a year is greater than 180% of the card's existing limit, that is, the average monthly card consumption is 30% greater than the limit;

4 , there is no late payment penalty caused by non-repayment (it is enough to pay the minimum repayment amount, the fees incurred by not repaying in full are called interest and are not counted as late payment fees); if the above conditions can be met, then generally the application for an increase will be approved, and every The maximum standard for a subsequent withdrawal is generally no more than 100% of the existing limit. On February 26, 2015, I couldn’t pay with my CCB credit card when I bought something on Taobao.

Is the credit card of the poster open for external transfer payment in the bank business hall? Otherwise, the Alipay quick payment service cannot be connected to pay for purchases. The CCB credit card limit is 6,000. Can I apply for a platinum card again?

If you currently hold a CCB card

You can still apply for a platinum card.

But the limit is still 6,000

The limit for cards under the same bank is exclusive

Please know that after I apply for a CCB credit card, I can also increase the limit for installment purchases.

If you want to increase the temporary quota, you can try to apply.

You can apply through self-service channels such as SMS, customer service hotline, and online banking. In addition to your credit status, the temporary limit audit will also refer to your card usage records. Therefore, it is best to apply after using the card for a period of time, at least 3-6 times. Months, and the consumption transactions during the period of using the card should be as diverse as possible, and it is best to repay the loan in full.

The permanent limit is more difficult to raise. The permanent limit of a CCB credit card is automatically adjusted by the bank based on changes in your credit, and applications from cardholders will not be accepted. If it can be improved, the bank will proactively notify you (usually via text message). Can I buy things online with a CCB credit card?

Yes, you can just activate the online payment function of the credit card. Can the payment limit be increased with the CCB credit card?

If you want to temporarily increase the limit, you can call the 800 number on the back of the card to apply