Credit card withdrawal is an enduring topic in the circle of card friends, and there are various methods to withdraw the amount. So, how can we increase the credit card quota?

This involves a concept-raising a card. Today, let's talk about how to raise the amount smoothly through raising a card.

Banks will only raise the amount for what they consider as "high-quality customers", that is, users who have strong spending power and can repay their loans on time. After such users raise the amount, they will spend more and banks will earn more money.

Therefore, if you want to withdraw money, you must prove your spending power and good credit to the bank. You should pay attention to the following points when using your card, so that the bank can't refuse your withdrawal application.

1. Credit card frequently. The industry covers food, clothing, housing, eating, drinking and having fun.

Continuous credit card swiping is an important aspect to prove your economic strength. Frequent use of credit cards, regardless of the amount, as long as you can swipe your card, you will definitely spend it. Normal consumption should include all aspects of food, clothing, housing, eating, drinking and having fun.

If you have a temporary deposit, you can also use it appropriately, and then repay it in full on time, so that the bank will judge that you really have consumer demand and have sufficient economic ability.

If you can swipe your card overseas occasionally, it will be even more icing on the cake for the withdrawal, because the settlement in consumption abroad is made in foreign currency, and the repayment is made in RMB, so that banks can not only earn domestic handling fees, but also earn currency exchange rate conversion fees.

2. A small amount of transactions is more secure than a large amount of transactions.

Although swiping a large amount of money can earn more fees, don't forget that banks pay more attention to the safety of users' swiping. If you don't swipe your card at ordinary times, it will be a large amount, and the bank will suspect that you are cashing out or being swiped, which may lead to risk control and the card being downgraded and frozen. Therefore, don't swipe your card because of a small amount, but seize every opportunity to swipe your card in your daily life.

3. Appropriate installment

For some banks that don't outsource installment business, users can make some money by doing installment occasionally. For example, banks such as Shanghai Pudong Development Bank and Xingye attach great importance to installment business. However, it should also be noted that after some banks do installment, it is difficult to increase the amount of credit cards, such as China Everbright.

4. Provide proof of financial resources

If you have a high-quality work unit, you can definitely get extra points, but you can also provide more proof of assets, such as real estate license, driver's license, money fund or trust assets, by adding more detailed personal information later.

a simpler and ruder way is to directly deposit a sum of money into the issuing bank's savings card on a regular basis and buy some wealth management products from the bank. How can a bank refuse such a loyal customer?

5. Take the initiative to apply for a withdrawal from the bank.

It's no shame to apply for a withdrawal. As long as you get the card for half a year, you can take the initiative to call the customer service to ask for a withdrawal, saying that you think the credit card limit is too low to be used at all, and you want to cancel it. Banks are more reluctant to lose a user than to raise the amount. In other words, it is natural to apply for cancellation of the card and then apply for a higher-level card.

Of course, if you want someone to give you money, you have to give the bank a reason that you can't refuse, so the timing of this application is also very critical:

It is best to apply for the first withdrawal after the new credit card has been used for half a year, and then the interval between each application and withdrawal is 3-6 months.

apply for withdrawal after installment.

apply for withdrawal after a single large transaction.

6. Repayment on time (the most important thing)

Never be overdue, and don't continue to pay only the minimum repayment amount, which is also a key factor affecting the withdrawal. Although banks like to put their money where they will make money, they are more concerned about when they can get it back. Therefore, only the repayment on time, the above moves can play a role, otherwise all interviews.

In addition, if your credit card is idle 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.