1. Conditions for temporary credit card limit increase Banks generally need to approve the temporary limit increase based on the application's consumption situation, repayment record and personal comprehensive score, so these three major conditions must be met: 1. Card opening And it has been used normally for more than 90 days; 2. The card limit has not exceeded the limit; 3. The card has consumption records every month for three months.
2. Methods for temporary credit card limit increase 1. Telephone application: You can call the credit card service hotline of the card issuer, transfer to manual service, and submit your request to customer service. This is also the most commonly used application method. 2. Online application: Log in directly to the credit card center of the card issuing bank, find the temporary limit increase option, and click Apply. 3. Application at the counter: You can bring your ID card and card to the business outlet of the card issuing bank to apply.
Tip: No matter which method is used to increase the temporary limit, the bank will refer to certain basis to decide whether to increase the limit for you. The main points are as follows: 1. The repayment rate of the past six periods (whether it is on time or not) Pay back the money). 2. Whether the card is used normally (mainly depends on whether there is any long-term single large amount of unidentified consumption, or simply whether there is any suspicion of cashing out). 3. Shadow limit (the first two determine whether to give, this value determines how much to give, the shadow limit is a reference value used by the card issuer to evaluate all the cardholder's assets in the bank, such as deposits, such as financial products) 4. Approval policy ( The card issuing bank will adjust the temporary limit approval policy based on the overall repayment rate. If it is too high, it can give twice the shadow limit. If it is too low, it will only give 110.) 5. Approver (may not sound nice. But this factor does exist. Sometimes the amount If it is too large, the approving staff may make mistakes) 6. The cardholder’s work unit and overseas consumption record (check whether he is a high-quality customer)
Reminder: The temporary limit has a validity period, usually up to 3 Months, after the validity period, the card will be restored to its original limit. And after part of the temporary limit is consumed, it must be paid back in one go. Installments and minimum repayments are not supported, otherwise the bank will charge interest and late fees.