Is it okay if I apply for a credit card but the limit is too low and I don’t want to activate it?

The credit card limit is too low and it is not possible to open a card. To avoid unnecessary trouble, if the credit card is not applicable, you can choose to log out.

Call the bank's credit card center to inquire about logout related matters;

Just use the phone to log out of the credit card;

Log out of the credit card at the bank counter:

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① Prepare your ID card;

② Pay off the debt;

③ Go to the bank counter and log out.

Note: If you need to use your credit card after logging out, you can apply again. I applied for a credit card, but the limit is too small. If I don’t activate it, will the annual fee be deducted?

Except for a few cards, such as the China Construction Bank car card, Xingye’s Platinum Card also has an annual fee without opening the card. , most cards have no annual fee if you don’t open the card. My credit card limit is too low, what should I do?

Hello, during the initial audit, the credit card limit is comprehensively assessed based on the information attached when you applied and your specific situation. Please refer to the audit results for the specific limit. The credit limit (fixed limit) of our bank's credit card starts from ￥1,000 yuan or the equivalent in US dollars, and the upper limit is ￥50,000 yuan or the equivalent in US dollars. Under normal circumstances, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The limit of a platinum card is generally a fixed limit of RMB 50,000 plus a temporary limit that is automatically adjusted for you every month. At that time, you can use the combined limit of the two parts for swiping the card for consumption.

If you have any questions about other China Merchants Bank credit cards, please search for 4008205555 in QQ business friends and add China Merchants Bank Credit Card Center as a friend; or search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center for consultation , thank you for your attention and support to China Merchants Bank! The limit of the Guangfa credit card I applied for is too low. What should I do if I don’t want it? How can I cancel the card?

Call the customer service desk, but it’s easy to raise the credit limit of Guangfa. If it’s a gold card, I suggest you keep the China Merchants Bank credit card. The quota is too low and you don’t want to activate it

You can try to apply for a temporary quota. The temporary limit is the result of a comprehensive assessment by our system with reference to all aspects of your situation, including whether you repay on time, whether you frequently use our credit card, the type of consumption and the specific consumption situation, etc., are all factors we consider. Whether The application can be successful, subject to the system evaluation results. The temporary quota is valid for a certain period of time. After the period is exceeded, it will automatically revert to the original quota and you can borrow cash in advance. After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the recycling credit facility and will be included in the minimum repayment amount of the latest bill. It must be paid off in one go on the due payment date. If it cannot be For repayment, you can go through customer service evaluation to see if you can apply for bill installments. If the loan is not due/repaid, if there is still a temporary limit, you can apply again to adjust the temporary limit, which is subject to system approval. Log in to credit card online banking and click "Account Management" → "Account Limit Management" → "Temporary Limit Adjustment".

The credit card is only 2500, how can I increase the credit limit? 2500 is too little and the credit card has only been used for a few days

Hello, if it is a China Merchants Bank credit card, the credit limit can be adjusted through There are two ways to apply: 1. After holding the card for a period of time, you can apply for an increase in your credit limit through our customer service hotline or log in to online banking or call the customer service hotline 4008205555. We will apply for you based on your past card use. ; 2. Or when your financial level has improved to a certain extent, you can also provide us with relevant certificates (such as real estate, cars, China Merchants Bank savings certificates, etc. that you have not provided before), and the relevant departments will re-apply based on your new information. Audit.

There is no fixed time limit for quota adjustment. The details will be subject to the audit results. I wish you success in increasing your quota!

For a newly applied credit card, you generally need to hold the card for 3 months before applying to increase the limit. If you want to increase the limit as soon as possible, you need to provide proof of financial resources to the credit card center.

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search the number "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" "Consultation, thank you for your attention and support to China Merchants Bank! Why is my credit card limit too small?

Banks generally base on your academic qualifications (the higher the better)

Marital status (already married is preferred)

Type of work unit (state-owned enterprises and large enterprises are preferred)

Proof of income (the higher, the better)

Do you have other bank credit cards (it is best to have a credit card)

and your credit report (this is the most important) and other comprehensive checks to conduct an audit and give a limit

You can To fill in these indicators, of course, the better, the better if they are not too different from the actual situation.

Use the card frequently and make as many purchases as possible, at least 10 times a month on average;

Spend as much as possible each time, and use more than half of the limit every month;

There are a wide range of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.; the less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for a limit increase;

The smaller the large purchases such as buying a house or a car, the easier it is to increase the limit;

At the same time, keep good records and apply for a limit increase within 4-6 months, and the success rate is relatively high Huafu | C Platinum Credit Card Why is the limit of only 10,000 too small?

Use the card for a period of time, maintain good card usage and repayment records, and then apply for an increase in the card limit. You can apply for an increase in the limit once every six months. Or provide new proof of financial resources and reapply for a credit card with a higher limit. The credit card issued by China Merchants Bank has not been activated. If you no longer want to use it and want to change the card, will the limit change?

You can apply for other cards, but the card number will be changed if you apply again, and the limit will not change. If not activated, it will be automatically canceled after three years without any fees. The first batch of China Merchants Bank credit card limit is too small, can I just not use it?

It is recommended that you use it first. If the temporary limit is not enough, apply for an increase in the fixed limit after 3 months.

The temporary limit is the result of a comprehensive assessment by our system with reference to all aspects of your situation, including whether you repay on time, whether you frequently use our credit card, the type of consumption and the specific circumstances of your consumption, etc. These are the factors we consider. Whether the application can be successful depends on the system evaluation results. The temporary quota is valid for a certain period of time. After the period is exceeded, it will automatically revert to the original quota and you can borrow cash in advance. After the temporary limit expires, the used temporary limit (the portion exceeding the fixed limit) does not enjoy the recycling credit facility and will be included in the minimum repayment amount of the latest bill. It must be paid off in one go on the due payment date. If it cannot be For repayment, you can go through customer service evaluation to see if you can apply for bill installments. If the loan is not due/repaid, if there is still a temporary limit, you can apply again to adjust the temporary limit, which is subject to system approval. Log in to credit card online banking and click "Account Management" → "Account Limit Management" → "Temporary Limit Adjustment".