How to increase the quota of postal credit card

There are two methods of operation:

1) Temporarily increase the quota. If you have a larger quota in a short period of time, For consumption needs, you can call the postal savings credit card customer service hotline 400-888-95580 to increase the temporary limit. Those who meet the conditions for temporary quota adjustment of Postal Savings Bank can realize the temporary quota adjustment within 24 hours. The temporary period is 30 days. After expiration, the credit limit will automatically be restored to the original limit.

2) Long-term quota increase. When you need to increase your credit limit for a long time, you can call the credit card customer service hotline 400-888-95580. The Postal Savings Bank of China will process the permanent amount adjustment request in a timely manner based on the cardholder's credit card status and credit status.

1. There are several conditions for increasing the limit: when using a credit card, you must keep a good record of repayment and must not be overdue; try to use postal credit cards for consumption. After the bill consumption amount in each period is controlled within a certain proportion, it must not exceed 70-80; appropriately handle some bill installments or large installments.

2. Cardholders can usually contact the official customer service department of Postal Bank to apply for an increase in the limit after using the card for a period of time. In addition, the credit card usage period is 3 months and 6 months.

1. Postal Credit Card Limit Rules: When applying for a credit card, Postal Savings will verify the credit card limit based on the information and credit status provided by the cardholder. This limit is the maximum limit for overdraft consumption and cash withdrawal by the cardholder. If you hold multiple postal savings credit cards, the credit limit should be based on the maximum limit of the credit card held by the cardholder, rather than the total amount of the multiple credit cards.

2. To ensure the safety of credit card holders, the daily withdrawal amount from ATM terminals shall not exceed 2,000 yuan. You need to withdraw more than 2,000 yuan from the exit. When withdrawing cash exceeding RMB 10,000, identity documents are required.

3. The credit card limit of Postal Savings Bank of China is related to the credit card level: the credit card limit of Postal Savings Bank of China is between 20-50,000 yuan. The credit limit of Postal Savings Bank of China Gold Card is between 10,000 yuan and 100,000 yuan. Postal Savings Bank of China Credit Card Platinum Card with an amount of more than 100,000 yuan.

4. According to the feedback from Postal Bank credit card users, the amount of ordinary cards is generally between 2,000 and 5,000, the amount of gold cards is generally less than 100,000, and the amount of platinum cards is generally between 10 and 1 million. between. Gold cards require strong real estate certificates, such as ordinary large-amount deposit certificates, real estate certificates, motor vehicle driving licenses, company business licenses, etc. The number of credit cards issued by different banks will be different, and the types of credit cards issued by the same bank will also be different, but adding your own financial proof will make it easier and higher.

5. If the amount granted is not high, it is recommended not to abandon the card. The correct posture should be to continue using it! Let me tell you some ways to increase the amount. The first application for withdrawal must be made six months after the card is opened before you can use the postal credit card for consumption. Whether it is large or small, you can use it as soon as possible and try to use 80 of the awarded amount. If you buy a car or a house, you can also provide this information to the bank to facilitate withdrawals.

How to increase the limit of postal credit card

Normally, when you apply for a bank credit card for the first time, because the bank does not receive comprehensive information from you, it is very likely that you will not be able to apply for a credit card. At this time, the credit limit will be lower. In the future, you will have to think of ways to increase the credit limit of your credit card. So how do you increase the limit of your postal credit card?

1. Keep a good repayment record when using credit cards, and do not make late payments.

2. Use postal credit cards for consumption as much as possible, and after the bill consumption amount of each period is controlled to a certain proportion, it should not exceed 70-80.

3. Appropriately handle some bill installments or large installments.

Normally, after using the card for a period of time, the cardholder can contact the official customer service of Postal Bank to apply for a limit increase. In addition, if the credit card has been used for 3 months, you can apply for an increase in the temporary limit, and if you have used the credit card for 6 months, you can apply for an increase in the fixed limit.

How does Postal Bank increase the limit of mobile banking?

You can bring your bank card and ID card and go to the counter of Postal Savings Bank to increase the limit of mobile banking. Postal Bank will provide you with corresponding media according to your requirements, and will charge some handling fees.

How to increase the credit limit of Postal Bank Credit Card:

(1) Temporary limit increase

If you have large consumption needs in a short period of time, you can call Postal Savings The credit card customer service hotline 400-88-95580 puts forward the request for temporary limit increase. If you meet the conditions of Postal Savings Bank of China for temporary limit increase, the temporary limit adjustment can be achieved within 24 hours. The temporary limit is valid for 30 days. After expiration, the credit limit will be automatically restored to the original limit.

(2) Long-term credit limit increase

When you need to increase your credit limit in the long term, you can call the credit card customer service hotline 400-88-95580. Postal Savings Bank will calculate the credit limit according to the cardholder’s credit limit. The status and credit status of the company will promptly handle permanent adjustment requirements.

Some ways to help increase the credit limit of Postal Bank Credit Card:

1. Swipe the card frequently, frequently, and especially use up almost all the limit every month;

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2. Repay the loan on time and leave a good credit record;

3. Pay in installments frequently, but you have to pay some handling fees;

4. Frequently pay in installments Call the bank to temporarily adjust the limit during holidays.

These methods can help you quickly increase your limit. Of course, the limit must be increased after the card has been opened for 6 months, which makes it easier to apply for a limit increase.

: China Postal Savings Bank can trace its history back to the postal savings business launched in 1919. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Co., Ltd. was officially established. In January 2012, the company was restructured into a joint stock limited company. In December 2015, ten domestic and foreign strategic investors were introduced. In September 2016, it was listed on the Hong Kong Stock Exchange. In December 2019, it was listed on the Shanghai Stock Exchange and successfully completed the three-step reform goal of "shareholding reform - leading to war - listing in A and H places".

Strategic Positioning

Adhering to the positioning of serving "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises, relying on the unique model and resource endowment of "self-operated agents", adhering to the retail banking strategy and making great efforts Inclusive finance.

Core competitiveness

Clear retail banking strategy, unique "self-operated agent" operating model, unique advantages in personal finance, breakthrough development of corporate finance, and business sustainability Inclusive finance, deep-rooted capital asset management business, accelerated improvement of information technology capabilities, and sound and effective comprehensive risk management.

How to increase the limit of 4,000 on Postal Bank Credit Card

1. When using the credit card, you should reach the limit of 4,000 on Postal Bank Credit Card, especially when spending money at merchants that cooperate with Postal Bank Credit Card. , and should repay on time. It can increase the probability of raising the quota.

2. You can choose the installment repayment method, which makes the bank profitable when using a credit card for large purchases.

3. If the credit card has been used for about a year and the limit has not been increased, you can call the credit card customer service number and actively apply to the manual customer service for a limit increase. And said that the quota is not enough, etc.

How to increase credit card limit by email? Here’s how these banks work!

When you use a credit card, you may often feel that your credit limit is not enough and you want to increase your limit. Some high-quality customers do not need to take the initiative, and the bank will call or text them to invite them, while some customers need to take the initiative to apply on their own. Some users have inquired and said that the email limit increase is good. If they want to know how to operate the credit card limit increase by email, let’s briefly introduce it below.

1. How to increase credit card limit by email?

1. Email application template, taking Guangfa Bank as an example:

To Guangfa Bank:

Hello, I am your bank’s credit card customer XX, XXX, I have held the card for X years and have maintained a good credit card repayment record.

Due to a large amount of personal consumption expenditure recently, the credit card limit provided by your bank is no longer sufficient, so I applied to adjust the credit card limit to XX yuan.

I agree that your bank may inquire about my credit report record. The attachment is some financial proof information, please check it!

Applicant: XX

2. Each bank’s email address:

Industrial Bank: 34567@ Shanghai Pudong Development Bank@ China CITIC Bank: 8009995558@ Bank of Communications: 800cs@ Guangfa Bank: Call 95508 to find customer service and ask for the link

3. Email application core:

Submit qualification information, which can be salary statement, social security provident fund, real estate certificate, driving license, and work license etc.; and when the attachment is displayed in the form of a picture, the photo must be clear.

The above is the answer to "How to increase credit card limit by email?", I hope it can be helpful to everyone. Generally speaking, the main purpose of credit card email limit increase is that users can provide it to the bank in the form of an attachment to see their qualifications and good repayment ability. In this way, the bank feels that you are guaranteed to get the funds back, so the limit increase is Easy.

This is the end of the introduction on how to increase the limit of postal credit card and how to increase the limit of postal credit card. I wonder if you found the information you need?