1. Bank of China can only withdraw the credit card once a year.
2. It takes more than 6 months for the Agricultural Bank of China to withdraw the quota for the first time, and then it can be withdrawn every 3 months.
3. ICBC can apply for withdrawal after issuing the card. Normally, it can apply for withdrawal every three months.
4. China Merchants Bank needs to hold the card for 6 months to upgrade the fixed quota.
5. Ping An Bank can withdraw the amount within 3 months after issuing the card, and it takes 3 months to withdraw the amount again.
6. The first withdrawal time is when the Industrial Bank holds the card for more than 6 months.
7. China Guangfa Bank can apply for the first withdrawal 3 months after issuing the card, and the second withdrawal needs 6 months.
8. Bank of Communications and China CITIC Bank do not support the initiative to apply for the withdrawal, and the bank needs to make the withdrawal to the customer after evaluation.
Extended information:
In fact, the credit card limit is specifically reviewed by the bank through the comprehensive score of the applicant and the credit card grade. If it is the first time to apply for a credit card, the credit card limit will generally not be very high.
Credit cards are generally divided into three grades: ordinary cards, gold cards and platinum cards. The quota range is probably the Puka quota: 3, yuan to 1, yuan; Gold card quota: 1, yuan to 5, yuan; Platinum card limit: more than 5.
the maximum credit limit of a credit card can reach more than 1 million, and the minimum credit limit may also be "zero". The credit card quota can be divided into fixed quota and temporary quota. Generally, the temporary quota is increased once every three months, and the fixed quota is increased once every six months. The quota can be increased from several thousand to tens of thousands. There is no fixed limit, and the level of credit limit has a great relationship with people's personal qualifications.
Good use of credit cards not only leads to quick withdrawal and high payment, but also helps to apply for credit card imprest/cash installment.
1. Spend as much as possible
Spend as much as possible with credit cards. Generally speaking, the total amount spent in half a year is at least 3% of the amount, which proves that cardholders use credit cards frequently and have high loyalty to banks. The bank credit card center will adjust the limit according to your credit card utilization rate and repayment record.
2. Diversification of consumption and use
When using a credit card, don't raise the amount for the sake of raising the amount, and don't let the bank feel that you are suspected of cashing out or maliciously swiping your card, so you can't swipe your card at a certain place, but always spend it in different consumption scenarios and different pos machines. It is recommended that you swipe your card at merchants with points. In addition, different types of merchants should try to cross the brush. For example, after brushing several catering transactions, they can brush shopping malls and supermarkets to maintain the diversity of transactions.
3. Pay back in full and on time, and put an end to late fees
After using credit cards, make sure to pay back in full and on time before the monthly repayment date. Once it is overdue, it will not only need to pay a high late fee, but also produce a bad credit record, which will affect the application for credit cards in the future. If you can't repay the loan in time, you must call the bank's customer service hotline in advance to explain the reason to the manual customer service and apply for a few days' grace. At present, most banks can give three days' grace, among which Guangfa Bank and China Construction Bank can give five days' grace.
4. Do something other than spending
For banks, the benefits of credit card spending are not the most abundant, and the most attractive benefits are cash withdrawal and installment. Therefore, in addition to normal consumption, it can be properly phased and cashed out to make the bank profitable, which can increase the probability of withdrawal.
5. Hibernation suspension
A credit card is intentionally suspended for a certain period of time. In order to occupy the land, the bank has certain incentives for the activation of the dormant card, such as reward withdrawal.