I have been soaking in various forums for the past two days, collecting some card friends' ways to raise the amount. To sum up, there are both common and unheard of, and the increase is relatively large.
As we all know, for some grades of ICBC cards, the maximum gold card can be raised to 200,000. Therefore, as long as the method is right, quantity is not a problem.
Standard extraction method of daily average of running water
This method is suitable for most credit cards, such as ICBC's, and it is best to have a savings card to reflect your wealth value and give your aunt a sense of trust through the average daily flow.
Including the first step of applying for an ICBC card, Mr. Bei also suggested starting with establishing contact and trust, that is, setting up a savings card of ICBC, starting with a savings card.
Adhere to the form of repeated entry and exit orders to reflect your account activity. You can try to apply for the gold card of ICBC within half a year, and the chances of being approved will be much greater.
The average daily assets are regarded as an important indicator of a person's intimacy in this bank, so if you want to raise the amount, you must maintain a certain average daily assets.
Therefore, you have to raise 6,543,800 yuan and maintain an average daily asset of 200,000 yuan in ICBC, which is the basis for the rise.
What is the average daily asset?
Including: demand deposits, time deposits, wealth management products, precious metals, funds, etc.
Generally speaking, the average daily assets are maintained for more than half a year, and the effect of increasing holdings is obvious. This includes you buying bank wealth management products to reach the daily average, which is also commonly known as "moving bricks".
The proportion of moving bricks, the general upper limit of the amount will be half of your total assets. Of course, this is also the view of many netizens. Without official demonstration, for reference only.
Credit card for improving account activity
There is no doubt that credit card consumption here has contributed more credit card transactions to banks.
Generally speaking, 60%-80% of the amount of each bill is swiped. More than 20 cards are swiped every month, and 3 bills are kept.
Merchants who swipe their cards should also be as diversified as possible. Please refer to the daily consumption guide diversification here. You should not only use points to consume merchants, but also diversify your portfolio. Whether there are points is not the selection criterion, but the merchants who actually need to spend in life as the judgment criterion.
For example, supermarket shopping, refueling, transportation payment (although these have no points), catering and entertainment and so on.
The bill must be paid in installments.
If swiping the card as much as possible indirectly contributes to the bank's profits, then the bill installment, especially the invitation bill installment, directly contributes to the bank's interests.
Be sure to grasp the bill in installments before you do it. You carried out several bills in a planned way. Only the bills with diversified credit cards will have a better effect.
Suggestion: Generally, it is divided into 3-6 installments, and the amount is within 10000. It is also suggested that the small amount be divided into multiple periods, such as 1 1,000 yuan 12, which seems more sincere. Opinions vary. How much depends on the amount. Because it takes up your total amount in stages, it should be as short as possible, and the amount will not affect the normal use of credit cards.
Consumption abroad/Haitao
Most banks have no resistance to consumption abroad, and so does ICBC, especially the four major banks, which have a soft spot for consumption abroad. If you have the opportunity to go abroad, remember to brush a few strokes, maybe hundreds or even thousands of dollars. It is really not a little bit to come back to raise money.
Consumption abroad represents a person's life taste and consumption level, which has different meanings here. For banks, if they have this kind of consumption behavior, they can provide them with more foreign currency services, and they are also serious quality customers of banks.
Practical operation: a good way to pledge the withdrawal amount and brush the daily average assets.
There is a saying in the bank that "net assets are in the bank". The net assets of this bank are independent of the liabilities of other banks. Therefore, it is entirely possible to misappropriate funds from other banks for temporary asset stacking.
The essence of pledge withdrawal is also here.
(1) Transfer RMB 1 10,000 yuan (preferably self-owned funds) from another bank's credit card and deposit it into the ICBC savings card account.
(2) Open a wealth management account and purchase ICBC's wealth management products with RMB 654.38+10,000 (the appropriate time is about half a year, at least 3 months).
(3) After the successful purchase of financial management, you can apply for a new capital loan with this financial management pledge.
(ICBC's personal online banking is optional)
(Description of pledge)
Application conditions
(Annual interest rate of pledged loans)
Take a look at it. Really not high. On the forum, I saw some great gods in operation, and the average daily assets remained at 700,000, directly mentioning the fixed amount of 500,000.
Sharing means repeatedly pledging 200,000 yuan for financial management, reaching an average daily financial management of 700,000 yuan for more than half a year, and the final amount is successful.
Although I don't know if this method is the decisive factor, it is always no problem for everyone to try according to the amount they want. What if it's mentioned?