The Harbin Bank Credit Card Orange Card and Gold Card have a limit of RMB 10,000 to RMB 50,000. You can apply for an increase in the limit after comprehensive qualification approval.

There are the following ways to increase your bank credit card limit:

1. Provide sufficient proof of financial resources when applying for a card. When applying for a credit card, try to provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will evaluate the assets of the card applicant based on these certificates. If the card holder has a deposit in China Construction Bank or is a civil servant, it will also help the card holder to obtain good credit, and it will also help to obtain a higher credit limit under approval;

2. As many as possible of card consumption. The bank will make a comprehensive evaluation based on the customer's past card use. It is recommended that cardholders diversify their consumption types when swiping their cards, such as home appliances, catering, supermarket shopping, etc., and try to spend as much in physical stores as possible. The bank's credit card center will adjust the limit based on the cardholder's utilization rate and repayment record of the credit card;

3. Ensure a good repayment record. After using a bank credit card for consumption, make sure to repay the money on time every month before the repayment date. Once it is overdue, not only will you have to pay a high late fee, but it will also create a bad credit record, which will affect your future credit card applications. If there is an emergency and you cannot repay in time, you can call the bank's customer service hotline and apply for an extension of repayment;

4. Apply for an increase in the temporary limit. Bank credit card holders can apply to actively increase the temporary limit. The bank will comprehensively assess the limit range that the cardholder can increase based on the cardholder's usual consumption and repayment status. If you frequently increase the temporary limit, the bank will think that the demand for credit cards is relatively strong, so it is not difficult to increase the fixed limit. The temporary limit needs to be paid off in one go, so cardholders should be careful not to incur late payment fees.

Bank credit card applications for limit increase services are basically based on these methods.