How to quickly increase credit limit with Bank of Communications credit card

Swiping every week or every day, there are a lot of activities and the benefits are relatively good. But when it comes to raising the limit, the Bank of Communications has no rules to follow when raising the limit. It can only be invited by the system. Other banks have rules for card use. Basically, you can make a fixed or temporary withdrawal once every six months. However, there is no such thing for the Bank of Communications. However, if you become a high-quality customer of Bank of Communications, the bank will take the initiative to call you and invite you to increase your limit. Let’s talk about the four major forehead lifting techniques.

1. Threatening to cancel the card over the phone

The premise of using this method is to use the card well, call the bank and say that the limit is too low and it is inconvenient to use, and ask to cancel the card. The customer service will tell you that you are a high-quality customer. We have a dedicated person who will contact you in about 5 working days. After 2 days, if you check the credit card limit, you will find that the limit has been increased. However, this is based on personal circumstances. Some people Not suitable for use. Some people don't use their cards well, and most banks won't retain them even if they call to cancel it.

2. Stop using the card

Stop using the credit card for half a year or a year. Many people report that they cannot always increase the limit of their frequently used credit cards because the monthly credit limit is far from the credit limit. . However, the possibility of putting the card in a drawer for two months and receiving a credit increase text message is relatively high. This method can only be achieved if you have good card usage records.

3. Curved limit increase

The regular card is almost full. Credit cards are divided into regular card, gold card and platinum card. Some friends use regular cards or gold cards with a limit of nearly 50,000. , it will be difficult to raise it if you continue to use it, so try to reapply for a higher-level card to see if the limit can be increased. Of course, if the card limit is 30,000 or 40,000, you can also try to apply for a card again.

4. Card swiping skills on Saturdays and Sundays

If you make more than 10 dining and entertainment purchases on Saturdays and Sundays, the system will automatically increase your credit limit by calling the next day. This method can be repeated Of course, the quota increase cannot be guaranteed to be 100%, and not everyone can succeed. However, if ST69668 uses this method, it will not succeed immediately the next day, and it will also be of great help for the later quota increase. You can also participate in Bank of Communications activities appropriately on Saturdays and Sundays, and the effect is also very good.

What are the methods to increase the permanent limit of Bank of Communications credit card?

Tips for increasing the permanent limit of Bank of Communications credit card:

1. The consumption amount within half a year accounts for 30% of the credit limit above.

2. The number of monthly purchases is more than 10.

3. There are many types of consumer merchants.

4. Reduce large-scale consumption in wholesale, house and car purchases.

5. Most of the merchants that cooperate with Bank of Communications swipe their cards.

Extended information:

Note:

1. There should be no stains on the credit record

If you want to increase your credit limit, the bank must of course need a perfect credit record. Personal credit record. If you have experienced late repayments or low repayments when using your credit card, the bank may be less likely to raise the limit.

On the contrary, if you maintain a high amount of consumption every month and can pay off the full amount every time on the repayment date, when you apply for a permanent limit increase, the bank will have a very high chance of approval.

2. Use a large number of card swipes to increase your credit limit

If you have already applied for a credit card and want to apply for a permanent credit limit increase, then you need to swipe your card as much as possible during the period of using the card, and try your best to spend as much as possible on food, clothing, housing and transportation. Choose a merchant that accepts credit cards. When you ensure a stable and high consumption record every month, and can repay the loan on time and in amount, the bank will naturally call you and invite you to increase your balance without you having to apply.

If your monthly card consumption is at least 30% of the total amount and you repay it on time, the bank will take the initiative to issue an "invitation" to increase the limit of your credit card.

You can reach the limit every month, and then accept every "invitation" to increase the limit. If this happens for 3 months, you can increase the limit. However, some people from the bank's credit card department also reminded that the bill consumption should not exceed the income, otherwise the banking system will consider the cardholder to be a high risk.