1. How to determine the temporary credit line of CITIC?
1, consider small stage. If the cardholder wants to temporarily convert CITIC into a fixed investment, he can consider appropriate installment, choose installment repayment on the repayment date, choose 2-3 installments, and repay on time every month. Once the credit card of CITIC Bank is repaid in installments, it will generate certain interest, which is more favorable for banks that rely on interest to make profits.
2. insist on swiping the card. Cardholders insist on using CITIC Bank's credit card, instead of swiping it from a single merchant, and try to diversify their consumption as much as possible. The monthly credit card amount accounts for more than 30% of the total. In the long run, banks will recognize the consumption level and economic level of cardholders.
3. Maintain personal credit. Good personal credit has a certain benign influence on CITIC's temporary conversion to fixed credit. During the use of CITIC Bank's credit card, the cardholder has no bad behaviors such as overdue and cashing out, and the credit card is in good condition, which is relatively favorable when applying for temporary to fixed credit.
4. Foreign consumption. If the cardholder intends to go abroad in the near future, he can apply for a temporary line, and after spending several transactions abroad, he can apply for a temporary fixed network transfer from CITIC. Under normal circumstances, the bank will agree as long as the cardholder's credit card is in good condition. Of course, if there is no plan to go abroad, Haitao and other consumption can also be done.
5. Full repayment. Cardholders should try their best to repay in full on the monthly repayment date, especially after large consumption. In the long run, banks will recognize cardholders' spending power and repayment ability, and think that cardholders can bear a larger credit line. When the cardholder wants to change the temporary credit line into a fixed credit line, the approval rate of the bank will be higher.
2. How does BOC apply for a temporary quota?
The temporary line of China Bank can be applied in the following ways:
1. Telephone application: use the mobile phone number reserved by China Bank to call the customer service hotline of the bank. Bank customer service personnel can generally increase the credit limit for cardholders on the spot after verifying their identity.
2. Online banking application: login to the online banking of BOC and enter relevant information according to the prompts to apply for withdrawal, which can generally increase by about 65,438+00% on the original basis.
3. Application for outlets: bring your ID card and credit card, apply to the credit card department of the bank, and provide relevant information such as asset certificates.