Take China Merchants Bank Credit Card as an example. At present, there are three ways to apply for adjusting the credit limit: 1. You can call the customer service hotline to apply for increasing the credit limit after speaking on our customer service hotline, logging in to online banking or holding a card for a period of time, and we will apply for it for you according to your past card use; 2. Or when your economic level has improved to a certain extent, you can also provide us with relevant certificates (such as real estate, automobile property, savings certificate of China Merchants Bank, etc.). ), and fax or mail the financial proof that you did not provide before you applied for the card, including a copy of the real estate license (the real estate license must contain the name of yourself or your spouse or minor children), and the relevant departments will re-examine it according to your new information. 3. Log in to credit card online banking (popular version and professional version), account management-account quota management-quota adjustment-apply for quota increase. After the application, it will be reviewed according to your card usage. If you download Pocket Life, you can pay by card operation in quota management.
What are the credit card withdrawal methods of China Merchants Bank?
What are the credit card withdrawal methods of China Merchants Bank? China Merchants Bank likes to look at the amount of consumption, and is not sensitive to large-scale consumption. It tries to change the consumption mode to credit card consumption. Moreover, China Merchants Bank's credit card is relatively easy to maintain, and banks will take the initiative to increase the quota. Here are several ways to increase the credit card limit of China Merchants Bank.
1. Adjust the limit by swiping the card with high frequency and high rate.
For example, your card limit is 10000, which is not overdue and has always been 10000. It hasn't been adjusted for three months. The code is operable. You can pay more, then swipe your card frequently with a high-rate machine, and then pay off the arrears in installments. After all accounts are entered, 80% of your card can be adjusted. If not, you can adjust the limit when the current bill comes out 100%.
2. Intermediary play of China Merchants Card
The intermediary game is mainly to increase the fixed amount in a short period of time, and the fixed amount card above 1 10,000 will increase the cash installment amount through the intensive care card with a maximum of three months, and directly increase the cash installment amount to 60,000 fixed and 5,000 temporary. The maximum monthly consumption of China Merchants Card shall not be less than 25, and the single transaction amount shall not exceed 10000. If you brush the capping machine, you will spend it in stages immediately, which will not affect the comprehensive score. More ways are used, such as installment, cash advance and cash installment, in order to remit money to the bank and increase the comprehensive score. Generally, bills are mainly used by stages, and bills are made by stages, which are divided into three periods. The third period is the most cost-effective figure. The amount shall not exceed 30% of the total consumption in the current month, and shall not exceed 50% at most. Cash advance can be done properly, but the investment promotion system changes greatly, so two comprehensive scoring methods, cash advance and cash installment, should be used cautiously.
3. Technology of increasing temporary amount
When the credit card holders of China Merchants Bank occasionally need to temporarily increase the credit limit due to insufficient credit limit, they can directly call the customer service phone of China Merchants Bank to ask for an increase in the temporary credit limit. China Merchants Bank credit card temporary limit promotion conditions generally require holding the card for more than 3 months. At present, China Merchants Bank is the fastest among card-issuing banks to increase the temporary quota. It can be approved at that time and can be used immediately after approval.
1. Call customer service directly and ask for extra temporary service. Customer service will cancel your quota and reapply.
2. Go to the website, cancel the temporary quota, and then reapply. However, the conditions for re-applying for temporary account cancellation are as follows: 1. The account date has just passed, and the minimum has been returned. Second, recent consumption is relatively strong, and credit card consumption is frequent.
Temporary quota can be adjusted to 0-3 times of 65438+ fixed quota. If the customer service doesn't agree, you can ask to transfer it to the supervisor, saying that it needs decoration, business trip and other reasons. If the supervisor doesn't approve, you can be relatively tough. If you can't apply for a fixed quota, you can reapply for a temporary quota before it expires (100% will pass), then the time will be recalculated for another month, and then you can call to add a temporary quota! This means that there is no difference between a temporary quota and a fixed quota, and it can be used for a long time.
4. Strategic retreat
1. Monthly consumption 15 times; 2. Pay the minimum monthly repayment; 3. You need to withdraw cash 2 to 3 times a month; 4. Small installment payment is appropriate; 5. You can choose to participate in the donation of Hong Kong dollars appropriately; 6. China Merchants Bank's automatic withdrawal system calculates the automatic withdrawal time period and automatically screens customers regularly.
There are four ways to withdraw cash from China Merchants Bank's credit card. Generally speaking, you can keep swiping your card more than 20 times a month within half a year, and small consumption accounts for the vast majority. It is best to meet the requirements of banks in this regard. In addition, if China Merchants Bank takes the initiative to raise the amount, it is better to say that spending abroad will increase the amount of US dollars. In fact, when your dollar amount increases, your RMB amount also increases.
How to increase the credit card limit of China Merchants Bank
Methods to increase the credit card limit of China Merchants Bank;
1. Increase the quota.
Cardholders can apply for an increase in the fixed amount by themselves, and China Merchants Bank will review their card usage such as consumption and repayment, and decide whether to increase the fixed amount. China Merchants Bank will occasionally increase the fixed quota for cardholders with good card records.
2. Apply for temporary quota
When the cardholder's fixed quota cannot meet the consumer demand, he can apply to China Merchants Bank for a temporary quota, which will take effect immediately after approval.
The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires.
After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.
Extended data
According to the relevant provisions of China Merchants Bank's credit card charter:
Article 35 The rights of card issuers
Article 5 For credit cards that have not been traded for more than 6 months, the card issuer has the right to reduce the credit limit of the cardholder's account.
Article 38 Obligations of the applicant and the cardholder
Article 6 If the card issuer increases the credit limit of its account due to the cardholder's good transaction and repayment records, and the cardholder is unwilling to increase the credit limit of the account, it shall request the card issuer to restore the credit limit of its original account through the online banking, mobile banking or customer service hotline of the card issuer within 10 natural days, otherwise it shall be deemed as the cardholder's commitment.
Whether the cardholder accepts the adjustment of the credit limit of his account by the card issuer or not, the cardholder has the responsibility to pay off the arrears that have occurred.