According to statistics, China Construction Bank needs to meet the following conditions to successfully upgrade its quota:
1, the credit card has been used for more than half a year, and the credit card has not been adjusted for more than 6 months;
2. The quota should be below 30,000 yuan;
3. There must be a temporary quota, and the fixed quota+temporary quota is less than 50,000;
4. There is no overdue, no minimum repayment amount, no obvious withdrawal, and no withdrawal.
If the debt ratio is lower than 60%, it is too high to increase the quota.
In addition, I would like to remind you that every time you apply for a credit card withdrawal at CCB, whether it is a fixed amount or a temporary amount, the bank will automatically check your central bank's credit information. Note that CCB will check your credit information, and you will have one more query record of "loan management". Please use CCB credit card for at least 6 months before applying for withdrawal, and try to improve your comprehensive score before withdrawal!
Two methods of converting the latest amount of CCB into a fixed amount through network transmission
1. If there is a temporary limit, increase the temporary limit first. After the promotion, the quota will be traded several times in a short time, and there are dozens left, but don't exceed the quota. Pay off the arrears before the bill date. Call customer service in a few days to report the loss and reissue it. This method has a much higher success rate than the traditional curve method. Therefore, if you have friends who are overdue or whose credit information is particularly ugly, you'd better be self-aware and don't try blindly.
2. Temporary quotas are converted into fixed quotas. At present, the mainstream channel is to apply for customer service. Note that many customer service staff will shirk, saying that the amount of fixed payment is audited by the system, and they will be notified by SMS if they can mention it. I don't know if it's deliberate prevarication or ignorance of business. Anyway, many CCB customers are like this. At this time, on the grounds that "my friend also mentioned it through customer service", I insisted that the customer service backstage apply for the amount. Of course, just because customer service helps you apply doesn't mean you can succeed, but at least there is hope.
If CCB wants to steadily increase the quota, it must strive to improve the comprehensive score of the card one or two months in advance, try to spend by credit card as much as possible, follow the flow of savings cards, and occasionally hold a installment, so that the bank can earn some money and win the favor of the bank. Don't empty the card, don't pay the minimum, don't exceed the limit!
Regarding the withdrawal of CCB, I would like to add a few points:
1, there is no temporary quota, and some people have successfully raised the quota through customer service;
2. Someone called the customer service to apply for a fixed line, and the customer service said that your credit card line was insufficient. It is better to reach 70%.
3. It is really difficult to raise the amount for high-volume customers, especially those with a price of more than 50,000 yuan;
4. Temporary maturity, and it takes 3 months to apply for adjusting the amount;
5. Some people claimed that after the customer service application was rejected, they asked to go to the background for manual review, and the result actually passed;