How to increase the 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-Limit 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 take the actual situation as the standard. )

how do I apply to increase the credit card limit?

generally speaking, it takes more than half a year to increase the credit card limit, and the existing limit is basically used up every month and repaid in full every time. In this case, some banks will automatically increase the limit, and state-owned banks such as ICBC need to call themselves to apply for increasing the limit.

The following methods can increase the credit card limit:

Always use the credit card for spending, and the credit card must be swiped frequently and spend more, and the bank will increase the limit according to your consumption situation.

high consumption, try to use up the credit card limit every month, and the bank will upgrade according to the actual situation that your limit is not enough. If your card limit is 1 thousand, you will spend 3 every month, and the bank doesn't think it is necessary to raise the limit.

to apply for a temporary quota, if the quota needs to be increased due to festivals, travel, business trips and other short-term needs, you can apply for a temporary quota, which will be easier for approval.

if you can't apply by phone once, you can call again, and you can apply by phone continuously. Sometimes different customer service applications will be handled differently.

if the customer service refuses to accept the credit line increase, tell the customer service. If the credit line cannot be increased, it is useless to keep it. If the credit line is not increased, the card will be cancelled. Sometimes it will work.

the time of withdrawal is also very important. it is most effective to apply on the billing date or when the card has just been maxed out. In particular, major expenditures have just occurred, such as renovating houses and buying cars. When the bank sees that your recent consumption is really in need, it will consider adjusting it.

how to increase the credit card limit?

1. swipe your card more and enrich your consumption range

swiping your card continuously is an important aspect to prove your economic strength. Frequent use of credit cards, regardless of the amount, where you can swipe your card.

at the same time, don't just swipe your card to buy the same thing, which will be easily thought by the bank risk control that it may be suspected of cashing out your credit card. Normal consumption should include all aspects of food, clothing, housing, eating, drinking and having fun.

if you still swipe your card overseas, it will be even more icing on the cake. Consumption abroad is settled in foreign currency, while repayment is made in RMB. For banks, they can not only earn domestic fees, interest and so on, but also earn currency exchange rate conversion fees. Of course, banks are very encouraging and welcoming, and even many banks have launched large-scale full reduction activities in consumption abroad.

however, it should be noted that spending more by credit card is not to encourage you to spend recklessly, but to use credit card instead when you can pay cash. Then the cash can be used for current wealth management, such as putting it in Yu 'ebao or Wutong Wealth Management to earn money every week, and then taking out the repayment when the maturity date is close. This not only makes use of the interest-free period to earn interest, but also "raises the card", killing two birds with one stone.

2. Small amount or large number of times

Some banks especially like users who spend a lot of time and a small amount, so don't be too lazy to swipe your card because of the low consumption limit. Frequent swiping can show the bank that you are an active and high-quality user.

Of course, some banks prefer to spend in large amounts, and it is best to spend more than 8% every month. In any case, the most important thing is to spend by credit card on the premise of rationality, and think clearly whether what you want to buy is necessary or dispensable.

3. Appropriate installment

As we all know, the handling fee generated by credit card installment is very high, and we generally do not encourage people to handle bills in installments. But proper staging can also help you raise the amount. Why? Because you make money for the bank, the "reciprocity" bank is not easy to refuse.

For those who want to raise a card, it is still meaningful to use it in stages.

4. Provide proof of financial resources

If you have a high-quality work unit, you can add extra points for the amount, but you can also add more detailed personal information and assets certificates later, such as real estate license, driver's license, money fund or trust assets.

A simpler and ruder way is to directly deposit the funds and money in the bank's savings card, or buy bank wealth management to let the bank know your capital situation. It is difficult for the bank to refuse such high-quality customers.

5. Take the initiative to apply for withdrawal

Every once in a while, you can call customer service to apply for withdrawal.

It is easier to get approval when applying for withdrawal at the following three times:

1. Apply for withdrawal for the first time after the new credit card has been used for half a year, generally, the interval between each application for withdrawal is half a year;

2. Apply for withdrawal after staging;

3. Apply for withdrawal after a single large transaction.

6. Repayment on time

Repayment must not be overdue, and the minimum repayment amount should not be paid continuously, which is also a more important factor affecting the withdrawal amount, and it is also emphasized that it can be moderately phased.

although banks like to put their money where they can make money, they are more concerned about when the money can be recovered. Therefore, repayment on time, the above tricks can play a role.

In addition, if your credit card is suspended for a period of time, the bank will take wake-up measures for such users. The wake-up measures are nothing more than raising the amount or providing interest-free installment, so you should seize the opportunity.

How to increase the credit card limit

The credit card limit can be increased as follows:

1. Credit card frequently to increase the consumption limit. Develop the habit of paying by credit card in daily consumption life, regardless of the amount, with an average of more than 1 transactions per month, and it is easier to withdraw more than 2 transactions;

2. The types of consumer businesses should be diversified. It is recommended that cardholders swipe their cards at merchants with points;

3. Apply for an increase in the temporary quota. Temporary adjustment is just a supplementary method, which takes effect quickly and expires quickly, so we should pay attention to timeliness.

What are the reasons for the credit card limit reduction?

The reasons for the credit card limit reduction are as follows:

1. Proactive reduction. In order to prevent the risk of being stolen, users take the initiative to ask the bank to reduce the amount;

2. various illegal cash withdrawals such as online cash withdrawals. Using Taobao websites, transactions are frequent, the amount is large, the transactions are virtual goods and all are fixed businesses, and so on;

3. The credit card is overdue. If the overdue days are more than 6 days or even maliciously overdue, in addition to reducing the quota, it may also lead to card suspension and blacklisting;

4. Credit cards are not used for a long time. Banks have regulations that credit cards may be reduced if they are not used for a long time.

Legal basis: Article 22 of the Measures for the Administration of Bank Card Business

The card-issuing bank shall charge a late fee and an over-limit fee of 5% of the unpaid minimum amount and the over-limit amount of credit card holders respectively.

article 41

the issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.

How to withdraw the credit card

The credit card withdrawal application methods are as follows:

1. Counter application:

Cardholders can bring their ID cards and credit cards to the outlet of the issuing bank's business hall, apply for withdrawal to the counter staff, and then hand them over to the staff. After examination by the staff, if they meet the withdrawal conditions, they can immediately increase the amount. If you don't meet the requirements, you will be told to continue using the card and apply for withdrawal after meeting the requirements.

2. Customer service telephone application:

The cardholder can call the customer service telephone of the issuing bank's credit card center, and after the call is connected, he will transfer the manual service according to the telephone voice prompt, and then apply for withdrawal to the staff, provide the staff with personal ID number and credit card, and wait for the staff to verify their identity. If they meet the requirements, they will be informed that they can withdraw the amount, otherwise they will be rejected.