There is no impact if the credit card limit is large for the first time. You can overdraw the credit card limit at one time.

When using credit cards, pay attention to the following points:

1. Cardholders can use credit cards to pay as much as possible in daily consumption, especially to increase large-amount consumption expenditures (except for wholesale consumption) , Frequent payments for wholesale consumption are not only not conducive to increasing your credit limit, but may also lead to suspicion of illegal cash out).

2. After several months of continuous consumption, you can actively apply to the bank. The card department will decide whether the limit needs to be increased based on the cardholder's consumption record. After the credit limit is increased and used for a period of time, about three months later, you can apply to the bank again to gradually increase the credit limit.

3. Provide proof of asset income

Proactively provide proof of asset income to the bank, and the more detailed the proof materials provided, the higher the income, and the higher the credit limit that may be approved by the bank. high.

4. Repay the loan in full and on time

Try to repay the loan in full and on time every month. The repayment status is an important item in the credit card record. Cardholders should try to avoid paying interest beyond the interest-free period due to untimely repayment. Otherwise, it will not only be detrimental to increasing the credit limit, but may also cause stains on the credit record.

Extended information:

The correct method of consumption

The consumption method of using a credit card and the method of swiping a debit card are basically the same, with only some small differences. . When using a credit card to make purchases, please follow the following methods:?

1. When swiping a credit card, please keep the credit card away from your sight to avoid misuse or theft of the card.

2. Do not sign blank or incomplete payment forms at will.

3. Before signing, please be sure to confirm whether the card number and payment amount listed on the payment slip are correct, and pay attention to whether the consumption currency and amount are correct.

4. When using a credit card, you must sign to confirm the purchase. Generally, there is no need to show your ID card or enter a password. However, please cooperate when the following situations occur:

Due to operational standards, POS machines in some cities still require a password. Please enter any 6-digit number you want. If you are making a large purchase or purchasing easily liquidated goods, it is recommended that you enter your accurate personal password for the ATM.

5. When the transaction form needs to be rewritten or canceled due to errors, please ask the merchant to tear up all the original invoices and retain the return certificate given by the merchant to avoid future disputes;

6. After making the payment, please confirm that the credit card returned by the salesperson of the special merchant is indeed your own credit card.

7. After completing the transaction, please keep the root link of the cardholder who signed the bill for verification with the credit card statement sent by the bank.

Reference material: Baidu Encyclopedia-Credit card swiping