The bank will give the applicant’s credit limit based on a comprehensive assessment based on the financial materials and proof provided by the applicant. If the credit limit is 200, it is very low and can only be used healthily. It will be based on future use and financial resources provided. Certificates, etc. are gradually increased, and then the limit is gradually increased; please refer to the main precautions for using credit cards:
1. Cardholders can use credit cards to pay as much as possible in daily consumption, especially to increase large-amount consumption expenditures (wholesale purchases) Except for consumption, frequent payment for wholesale consumption is not only not conducive to increasing the credit limit, but may also lead to suspicion of illegal cash out).
2. After several months of continuous consumption, you can actively apply to the bank. The card department will decide whether the limit needs to be increased based on the cardholder's consumption record. After the credit limit is increased and used for a period of time, about three months later, you can apply to the bank again to gradually increase the credit limit.
3. Provide proof of asset income
Proactively provide proof of asset income to the bank, and the more detailed the proof materials provided, the higher the income, and the higher the credit limit that may be approved by the bank. high.
4. Repay the loan in full and on time
Try to repay the loan in full and on time every month. The repayment status is an important item in the credit card record. Cardholders should try to avoid paying interest beyond the interest-free period due to untimely repayment. Otherwise, it will not only be detrimental to increasing the credit limit, but may also cause stains on the credit record.
5. Temporary increase in credit limit
If you have a need for large consumption, you can temporarily request a temporary limit increase from the bank. The general period is one month, and some banks will take the initiative to increase the credit card limit during holidays. After a cardholder requests a limit increase, the bank will determine the final limit increase scope by reviewing the cardholder's consumption needs and past card usage records.