It’s true.

This should be a short-term personal credit loan issued to you, so you can get it immediately, but you have to repay the principal and interest. You don't have to accept it if you don't need it.

Tips for increasing the credit limit of Everbright Credit Card: 1. Number of card swipes. When using a credit card, no matter what items you purchase, as long as you can use the credit card of a major bank, you can spend it with the card.

2. Consumption amount. Consumption records must be kept every month. The consumption amount of Everbright credit card is about 30% of the total limit.

3. Temporarily apply for quota increase. The benefits of a credit card for daily outings or travel are reflected. Applying for a temporary limit increase can be completed through the Everbright Bank credit card customer service phone, which is very easy.

4. Persevere. In daily consumption, if you make continuous consumption, the Everbright Bank Credit Card Center may give you a certain amount of rewards based on the amount of consumption.

5. Temporary to fixed. If Everbright wants to apply for a fixed limit, you can apply for a card online, and the limit you get will be higher than the previous limit.

6. Apply for an increase in time periods. Cards applied for in different periods can be applied for in different periods.

7. Foreign currency consumption. Nowadays, there are many APPs on which you can shop and use foreign currency to pay bills to increase records of overseas consumption, optimize bills and improve overall scores.

8. Actual operation records. If the Everbright Bank card has been opened for more than half a year, the monthly consumption limit accounts for 30% of the total limit. If there is no debt record, you can apply for a permanent fixed limit by following the steps.