The fastest way to increase your credit card limit will teach you how to increase it quickly

With the increase in per capita consumption level and the acceleration of the pace of life, cardholders often feel that their credit card limit is too high Not enough. There are ways to increase credit card limits, but the cycle for increasing the limit is very long. No, many cardholders are shouting in front of them that it is too slow to increase their credit limit. I have specially summarized a few tricks to increase your limit quickly and share with you the fastest way to increase your credit card limit.

1. Swipe your credit card to increase the limit

1. Keep swiping your credit card, try to swipe it when you can, and try to ensure large purchases. It is best to keep your credit card swiping every time If you are on the verge of bursting, use 80 to 90% of your credit card overdraft limit, and when the credit card bill comes out and make sure to pay it back in full on time, the bank will recognize it as a high-quality customer with insufficient credit limit and increase your credit limit;

2. In addition, if the need for funds is very urgent, you can apply to the bank for a temporary limit increase. This can also be said to be the fastest way to increase the limit of a credit card.

2. Purchase financial management products to increase credit limit

Purchasing bank financial management products is another fastest way to increase credit card limit. As long as cardholders ensure that they can operate the financial management products freely, they can Obtain a credit card limit increase from the bank during repeated transactions.

3. Increase the credit limit by calling to cancel the credit card

This is an eccentric way to increase the credit limit, but if used well, it will become the fastest credit card credit card limit increase method. method. Cardholders can call the bank's customer service and ask to cancel the card. If your past repayment record and qualifications are very good, the bank will indicate that you are a high-quality customer and send a dedicated person to contact you, and then it will increase your credit limit.

The above three methods have their own merits, but they are undoubtedly the fastest way to increase the credit card limit. Cardholders can choose the method that suits them based on their own circumstances and quickly increase the credit card limit to their ideal standard.

8 tips to teach you how to quickly increase your credit card limit!

The credit card limit is the focus of everyone's attention. If the credit card limit you apply for is not high, don't worry, the credit card limit is not fixed and will increase as the cardholder swipes the card. Many people think that it is difficult to increase the credit card limit. In fact, as long as you master the skills, it is very easy to increase the credit card limit. Here are 8 tricks to quickly increase the credit card limit.

1. Good credit record

It is not difficult to borrow and repay. This is the most basic and critical thing for credit cards. If you want the bank to give it to you To increase your credit limit, first of all, you must maintain your credit and make full repayments on time. Make diligent repayments in the three months before opening the card, and repay as soon as you have money.

2. Continuous credit card consumption

The bills for credit card consumption require more than 3 consecutive months and cannot be interrupted, so consumption must be made every month.

3. Swipe the card more times

If you want the bank to increase your credit limit, you must let the bank see that you use the card frequently, so the more you swipe the card, the more active you are. It is recommended that the card should be swiped more than 20 times a month.

4. The amount of credit card swiped is too high

The credit card amount is too small and you still want to increase the credit limit. You can’t use the credit limit given to you, so you still expect the bank to increase the credit limit for you? The monthly bill consumption is at least 30% of the total amount.

5. Consumption types

(1) Consumption in supermarkets, shopping malls, hotels, KTV, bars, tea restaurants

(2) Refueling, airplanes, travel, Hotel consumption;

(3) Hong Kong, Macao and foreign consumption. (Introducing Easy-Forex to trade foreign currencies. You can trade foreign exchange by activating your EasyForex account with the first brush of 300 US dollars.)

6. Apply for a temporary increase

You can apply to the bank for an increase during holidays or travel. A temporary limit can prove your spending power and help increase your credit card limit.

7. Let the bank also make money

Everyone must understand that banks are not charities. Of course, banks hope to make profits by lending you money, so banks can only achieve mutual benefit. You will be given the opportunity to raise your quota.

(1) Pay the protection fee in appropriate installments;

(2) Withdraw cash appropriately and the bank will earn interest;

(3) Participate in activities and take the initiative to be fooled. The purpose of banks organizing activities is not to let you enjoy the activities, but to make profits. At this time, you take the initiative to participate in the activities, which gives the bank enough face and makes the bank make money. Go to the bank's own credit card point mall to buy something, and the bank will make all the profit from the purchase. How can he not like you?

8. Perseverance

(1) Use the card for 3 or 6 months and call to increase the limit;

(2) It doesn’t matter if you are rejected, persist unremitting. Sometimes different customer service requests will be handled differently.

How to increase credit card limit

Customers can adjust their credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through "Credit Card - Card Go to the "Service - Limit Adjustment" menu;

2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.

Note: The above channels all support temporary quota adjustment and permanent quota adjustment.

(In case of business changes, please refer to the actual situation.)

How to quickly increase your credit card limit. Master these tips to help you quickly increase your credit card limit

Credit card limit There are two types of increase: temporary credit card limit increase and permanent credit card limit increase. A temporary limit increase is convenient and quick, but it has an expiration date. Although it is not easy to increase the credit card permanent limit, you can also increase the limit quickly if you master the following skills. Let’s talk to card friends about how to quickly increase your credit card limit.

1. Temporary limit increase

If the cardholder encounters an emergency situation such as renovation or travel, he or she can apply for a temporary limit. To apply for a temporary limit, you can call the customer service hotline of the card issuer and get connected to manual service. Generally, as long as your credit card has been used normally for more than three months and has a good credit record, the temporary limit increase can take effect immediately after application.

In addition, the temporary limit of a credit card has a validity period, which is usually 1 to 3 months. After the validity period, the limit will be restored to the original limit. If you want to continue to apply for the temporary quota, you need to repay all outstanding balances of the temporary quota before expiration.

2. Increase the fixed limit

1. Have skills in swiping your card

1) Swipe your card more times. In daily life, it is best to develop the habit of swiping credit cards whenever possible. Not only can you make full use of the bank's interest-free period, but you can also become an active user of the bank.

2) The consumption amount is high. If you can repay in full after a large purchase, you are very likely to be listed as a high-quality customer by the bank. After judging that the cardholder has a larger demand for the amount, the credit limit may be increased.

3) There are many types of consumer merchants. Merchants who use credit cards for consumption should cover all aspects of clothing, food, housing and transportation. This not only shows their dependence on credit cards, but also avoids banks suspecting cardholders of arbitrage behavior.

2. The credit must be good

A good personal credit record is the standard for banks to measure cardholders. When using a credit card, it is best to be able to repay the loan in full. You can choose to repay the minimum payment amount, but be sure not to make late repayments. Once there is a record of overdue repayment, the bank will not only not take the initiative to increase your credit limit, but will also most likely reject your request for a credit limit increase.

3. Seize the initiative

1) Apply proactively. Cardholders can submit proof of income, etc. to the bank and apply. The bank will review the cardholder based on their past card usage history, repayment records, etc., and will appropriately adjust the credit card limit for the cardholder after passing the review.

2) Threat of card cancellation. If your application for a limit increase is rejected, you can use the threat of card cancellation. Generally, bank customer service staff do not encourage cardholders to cancel their cards, so they will provide incentives such as limit increases and gifts. However, for some state-owned banks or joint-stock banks with large card issuance scales, the success rate of application for limit increase is very low through the threat of card cancellation. .

The fastest way to increase credit card limit

The most effective technique to increase credit card limit

1. Appropriately increase the consumption transaction amount and the basic requirements for general credit card limit increase Yes, the total consumption within six months accounts for more than 30% of the total quota. If this condition is not met, it will be more difficult to withdraw the quota. Try to maintain a certain transaction amount every month. If conditions permit, you can spend more than 70% of the total credit card limit every month, which is very helpful for increasing the bank credit card limit.

2. Keep consumption types diverse. If you only use the same type of card for consumption, it is easy for the bank to suspect bad behavior. Therefore, the types of merchants should be as diverse as possible: shopping malls, supermarkets, gas stations, restaurants, Hotels, tourism, entertainment venues and other daily consumption places. Why try to be as diverse as possible? According to the bank's assessment, the more diversified the customer's consumption behavior is, the more stable the customer's consumption habits are; vice versa.

3. Actively consume overseas. This method is suitable for card friends who are at the "advanced growth" stage and above. Why do I say this? Because those who are "new to the world" must have average economic conditions and are basically unable to make frequent overseas purchases.

4. Make installments frequently and repay them in full. If you usually buy a large item and can't afford it for a while, you can choose to apply for installment. Although the installment is interest-free, you need to pay a certain handling fee to the bank. After giving the bank some benefits in this way, the speed of increasing the amount is as fast as a rocket! It doesn't take long to move from "entry level" to "moderately decent".

5. Increase the temporary quota and constantly ask for an increase in the temporary quota. For example, when your official quota reaches 50,000 and there are no bad records, you can try to apply for a temporary quota of about 80,000. Once the temporary limit expires and you repay it on time, your permanent limit can be applied to be increased according to this standard, and the chance of approval is higher.

Hidden rules for credit card installments

1. There are handling fees for bill installments. The more installments there are, the lower the installment interest rate. The installment handling fees vary from bank to bank. Whether the bill contains a bill that has been issued or a bill that has not been issued, and when applying for bill installment, the installment fee will be calculated based on the installment interest rate. Banks encourage cardholders to make installment payments. If there is no financial pressure, it is best to repay in full

2. The early repayment fee will still be charged. According to most bank regulations, once the credit card bill is Installment, if you pay the installment fee on a monthly basis, even if you repay the loan in advance, you still need to pay the fee for the remaining months.

3. There is a limit to the installment amount of the bill. Not all the consumption amounts in the bill can be installmentd. Generally, the installment amount of the credit card bill cannot exceed 90% of the new consumption in the current period.

4. Installment cannot be done with temporary limit. If the credit card has a temporary limit, installment business cannot be done. The temporary limit must be repaid in one go. There is no minimum repayment amount. Failure to repay will affect your personal credit score.

5. Bill installments do not affect personal credit scores. Bill installments do not affect personal credit scores. Only failure to repay or missing the last payment date will affect personal credit scores.

6. The types of installments are not limited to bill installments. In addition to bill installments, there are also cash installments, transaction installments, shopping mall installments, contract installments, and special installments. Cardholders choose different installment types under different circumstances and make reasonable allocations to find the most cost-effective way.

7. Bank customer service calls to sell installment plans are too annoying. Bank installment services are all outsourced. You can call the bank customer service yourself to cancel. Tell the bank that I will handle the installment plan myself, so don’t bother me all the time.

How to increase your credit card limit as quickly as possible can use these methods

Many people usually use credit cards for consumption, but when using credit cards, many people want to have a higher limit, then How to increase credit card limit fastest? What method would you use to increase your credit card limit? Here are some ways to quickly increase your credit card limit.

If users want to increase their credit card limit as soon as possible, they should use credit cards as much as possible to make purchases, and they should try to diversify their credit cards, that is, they should use them in all scenarios. Such as convenience stores, shopping malls, movie theaters, restaurants, clothing stores, etc.

If you want to increase your credit card limit, you must make sure to repay on time when repaying. You must not make late repayments, because penalty interest will be generated after overdue repayment. The longer the time, the more penalty interest will be generated. The more. Moreover, banks will collect money after overdue repayment, which will have an impact on the normal life of individuals.

Users who want to increase their credit card limit can also occasionally use credit cards to repay in installments. Using this repayment method can allow the bank to make some money. At this time, the bank will like such users and will be happy to provide services to the users in the future. Increase the limit, but avoid using installment repayment for each period of bill. In this case, the bank will suspect that the user's repayment ability is insufficient.

Users who want to increase their limit can also provide the bank with proof of personal financial resources, such as provident fund, real estate information, vehicle information, deposit certificates, bank statements, etc. After the user submits these materials, the bank will provide proof of personal financial resources based on the actual situation. When increasing a user's credit card limit, the bank will make a comprehensive decision on how much to increase.

Users should not pursue high limits when using credit cards, because a higher limit may prevent users from paying back on time after swiping their cards. Usually the credit card limit is 2 to 3 times the cardholder’s monthly income. At the same time, ensure that the monthly consumption limit does not exceed 50% of the monthly income, so that you can ensure that the credit card debt is paid back on time.

That’s it for the introduction on how to increase your credit card limit quickly.