The ways to increase the credit card limit are as follows:
1, swipe your card more, use your credit card if you can, and swipe your card if you can, regardless of the credit card limit. First, the amount of credit cards is relatively large, and the number of swipes can make banks feel your dependence on credit cards.
2. Appropriate staging. After the credit card bill comes out, it can be phased appropriately. The number of installments should not be too long, so that banks can make money and brush a few large sums, and it is easy to raise the amount.
3. Be sure to guarantee the credit card limit every month, preferably about 40% of the total monthly amount. The more you brush, the better. You must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 yuan a month. Of course this is not appropriate. This will make the bank think you are dangerous and worry about whether your repayment will be overdue.
It is very easy to apply for temporary withdrawal from the bank, especially on holidays for tourism reasons.
5. Repay on time, don't be overdue. After 3 to 6 months of normal use of the card, the quota will be raised.
6. It is necessary to handle the bank installment business reasonably and let the bank make some money.
7. The types of credit card merchants should be diversified, covering industries above 10 as far as possible, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.
How to raise a credit card?
Customers can adjust the credit card limit through the following channels:
1. Mobile banking customers can log in to mobile banking and go through the menu of "Credit Card-Card Service-Line Adjustment";
2. Pay attention to the official WeChat of "China Construction Bank" and handle it through the menu of "Credit Card-Bill/Repayment/Limit Management" after binding the credit card.
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 increase the credit card limit
With the increasing popularity of credit card consumption, low credit card quota has become a pain in the hearts of many credit card users. How to increase the credit card limit?
Ways to increase the credit card limit:
1, often use credit cards, regardless of the amount, as long as you can swipe your card, you will definitely spend.
2. It is best to generate at least 30% of the total bill consumption every month.
3. Increase the number of places such as holidays, travel and business trips due to short-term needs. , you can apply for a temporary quota, and approval will be easier.
4. Continuous telephone withdrawal applications, sometimes different customer service applications will be handled differently.
If you cancel the card without increasing the quota, sometimes it is ok.
The bank intends to stop using credit cards for a period of time. In order to occupy land, banks have certain incentives for the activation of dormant cards, such as cash withdrawal.
7. The time to increase the amount is also very important. It is most effective to apply on the accounting day or when the card has just been maxed out.
8. The bill for credit card consumption needs to last for three consecutive months, and it cannot be broken in the middle, that is, there must be consumption every month.
Credit card limit audit standard:
1. Marital status: Married customers will be more stable and more favored by banks than single customers.
2. Title and working conditions: Technical titles are the testimony of customers' working ability. Employees in industries with high stability can get extra points.
3. Economic ability: People with detailed personal income certificates, stable income and long-term income growth prospects will get higher ratings.
4. Personal housing: owning personal housing can also show that individuals have a certain economic foundation and can get extra points.
5. Credit history: If the borrower has an account in the bank in the past and funds often come in and out, the bank will also consider adding points as appropriate.
6. Education level: Graduate students or above will be rated as higher.
Important conditions for applying for increasing the permanent quota:
1, the larger the amount, the better, and the total consumption for half a year is at least 30% of the quota;
2. Consume as much as possible. For transactions with an average of more than 10 per month, it is easier to withdraw cash for transactions with more than 20 transactions;
3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism and entertainment places.
4. The less wholesale and large-scale consumption such as buying houses and cars, the easier it is to raise the amount;
5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the quota;
6. The type of merchants who swipe their cards cannot always be similar to the business scope of the company.
How to increase the credit card limit?
How to increase the credit card limit faster;
1. Spend as much as possible: After the credit card is completed, spend as much as possible. The more frequently used, the higher the loyalty of credit card users to banks. But the frequency should not be too high.
2. Try to use up the credit card limit: it is best to use up the limit given by the bank every month, spend a lot of money irregularly, and then repay normally. These cardholders are usually defined as high-quality customers, and banks will increase the limit as appropriate after judging whether cardholders have large demand.
3. Never pay late fees: If you don't repay in time, you will not only pay a high late fee, but also be recorded in the bank's credit information system and registered in the central bank's personal credit information system, which will not only affect your credit card application, increase your quota and consumption, but also affect your loan application.
4. Appropriate use of temporary credit line: Generally, within 1-3 months after the credit card is opened, the credit card will prompt the temporary credit line. If you spend the temporary credit line and repay it in time, the bank will think that you really have a high consumption desire and repayment ability, so it will be easy to increase the permanent credit line.
5. Dollar withdrawal: If it is a dual-currency card, first deposit 100 USD for yourself, and then call customer service to apply for withdrawal. The reason is to go abroad to apply for an increase in the dollar limit. At the same time, the RMB quota has also been applied for upward adjustment accordingly.
Dollars can be deposited directly into ICBC's online bank online. Click on the currency of credit card and US dollar, choose to purchase foreign exchange for repayment, and enter US$ 65,438+000 to return the money in the savings card to the dual-currency card and turn it into US dollars. The more dollars you deposit, the greater the probability of success.
6. Online precious metal transaction cash withdrawal: go to the bank's online banking, open an account in the wealth management investment column, invest money, trade in it, pay a little handling fee, apply for several transactions by phone, say that you want to operate precious metals, and if you don't have enough funds, you will withdraw some quotas.
7. Provide financial proof: provide real estate, automobile production, etc. Don't be stingy with all kinds of assets, show them to the bank. Let the bank see your strength, which shows that you have certain spending power and repayment ability!
Finally, I appeal to everyone to pay back on time when using credit cards! The consequences of overdue repayment of credit cards are very serious, which will directly affect your life and even lead to jail.
Let's not talk about how to increase the credit card limit.