How to increase the limit of industrial and commercial credit cards
Operating environment:
Brand model: iPhone13
System version: iOS15.0
App version: v7.0.1.2.1
Credit card holders can apply for limit adjustment by themselves through the following two methods:
(1) Log in to the Industrial and Commercial Bank of China APP Afterwards, select "Withdraw Cash", or search "Limit Adjustment" on the homepage, enter the "Limit Adjustment" function, and check the credit card's limit. If the card status is normal, repayment is on time, and has been activated for more than 90 days, you can try to adjust the credit card according to the page prompts. Well, the results are subject to the page prompts. Temporary adjustments are valid for up to 30 days, and quasi-credit cards only allow permanent limit adjustments. Temporary card transfers exceeding the total limit can only be made up to 4 times per person per year, and the secondary card will be included in the accumulated number of primary cards.
⑵ Open WeChat (version 80.18) on the iPhone 13 mobile phone i0s15.0 version and use the "My - Apply for Withdrawal" function of the "eLife Plus" WeChat applet to flexibly enter the required amount to apply according to your own needs. , manually reviewed by ICBC, and the review results shall be subject to the actual review. The temporary adjustment is valid for up to one month.
Whether the funds can be withdrawn in the end shall be subject to the actual approval results.
ICBC’s three-dimensional electronic banking service system consisting of self-service banking, telephone banking, mobile banking and online banking has become increasingly mature. The transaction volume of electronic banking business has grown rapidly, from 1.93 trillion yuan in 2000 to It was 38.4 trillion yuan in 2004, an increase of 20 times. In 2004, the revenue from electronic banking business was 235 million yuan, and the online payment transaction volume was 5.7 billion yuan. It is the largest e-commerce online payment service provider in China.
Through more than 21,000 domestic institutions, 100 overseas branches and thousands of agency banks around the world, ICBC uses leading information technology and electronic networks to serve more than 8 million corporate customers and 100 million Multiple individual customers are provided with a full range of financial services in domestic and foreign currencies, including wholesale, retail, electronic banking and international business. As of the end of 2004, the company had more than 3,700 cash management contract customers and provided cash management services to 19,600 upstream, downstream or affiliated units of these customers; the number of personal consumer credit customers was 3.97 million, with a loan balance of 483.9 billion yuan; personal financial business The total number of customers of the high-end product-Elite Club account exceeds 1.24 million.
How to increase the limit of ICBC credit card?
The methods to increase the limit of ICBC credit card are:
1. Increase the limit by calling customer service: Cardholders can call ICBC Credit Card to increase the limit. The center phone number is 95588, press 9 for manual service. Apply directly to the customer service staff to increase your ICBC credit card limit. This method is relatively simple in operation and suitable for all cardholders.
2. Fax limit increase: Cardholders can call 95588-6 to send a fax to request a credit card limit adjustment application form. Fill in the relevant information correctly and fax the receipt to ICBC customer service. Submit the credit card limit adjustment application form to the local credit card center. If it meets the limit adjustment standards, it can be successfully processed in a few working days.
3. Self-service terminal limit increase: There are now self-service terminals in some areas. Users in those areas can also perform self-service credit card limit increase operations through multimedia terminals at business outlets. During major festivals or due to large consumption needs, ICBC credit card users can also apply to the local credit card center for temporary limit adjustment.
4. Counter limit increase: Cardholders can bring their ID card, credit card and other relevant supporting materials to the counter of a bank outlet to find relevant staff to make a credit card limit increase.
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How to increase the limit of ICBC credit card
The method is as follows:
1. Temporary limit adjustment for ICBC credit cards
When using an ICBC credit card, if you find that the approved credit limit is not enough and you need to increase the credit limit, you can call the 24-hour customer service hotline 95588 Customer service specialist, apply for a temporary increase in credit card limit. Generally, you can only request to increase the credit limit after holding the card for at least 3 months. For international cards, you can increase the temporary limit by 10% through the international card self-service at 95588-6 or online banking, which is valid for one month. Self-service credit withdrawal can only be used once every 3 months.
2. Long-term credit limit adjustment of ICBC credit cards
Card holders can submit the latest financial income certificate and apply for it at any branch of ICBC. ICBC will adjust the limit based on their past usage. The card history, repayment records, etc. will be reviewed, and the credit card limit will be appropriately adjusted for the cardholder after passing the review.
ICBC credit cards are the credit cards with the highest circulation in China. The main types of ICBC credit cards include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to credit level, they are divided into: Platinum Card, Gold Card and Ordinary Card; according to the issuing objects, they are divided into business cards and personal cards, of which personal cards are divided into primary cards and supplementary cards.
The Peony quasi-credit card is issued by the Industrial and Commercial Bank of China. The cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, it is a quasi-loan that can be overdrafted within the prescribed credit limit. Credit card. The Peony quasi-credit card can be used for settlement in RMB at UnionPay acceptance points in China, Hong Kong, China, Macau, Thailand, South Korea, Singapore and other countries, and has functions such as transfer settlement, cash deposits and withdrawals, and credit consumption. This Peony quasi-credit card is a quasi-credit card with Chinese characteristics. There is no precedent in other countries in the world. The emergence of this quasi-credit card is a reflection of China's imperfect credit system. Peony quasi-credit card has been discontinued. Peony credit cards and Peony international credit cards that truly meet the needs of the public are the direction of development.
How to apply for an increase in the limit of ICBC credit card?
There are two situations in which the limit of ICBC credit card can be increased, see below for details:
1. Temporary limit adjustment of ICBC credit card
When using ICBC credit card, If you find that the approved credit limit is not enough and you need to increase the credit limit, you can call the 24-hour customer service hotline 95588 to contact the customer service specialist to apply for a temporary increase in the credit card limit. Generally, you can only request to increase the credit limit after holding the card for at least 3 months.
2. ICBC credit card long-term limit adjustment
Cardholders can submit the latest asset or income certificate and apply for it at any ICBC outlet, and ICBC will make an application based on their past The card usage history, repayment records, etc. will be reviewed, and the credit card limit will be appropriately adjusted for the cardholder after passing the review.
You can also directly call 95588 where you apply for a card to apply for a permanent balance adjustment after meeting the following conditions:
(1) The account has been activated for more than 180 days (inclusive);
(2) The card usage is in good condition and repayments are made on time. The card and account status are normal.
8 ways to increase the credit limit of ICBC credit card
The first method: consumption increase method
If you make more than 25 purchases with your credit card every month, the larger the amount, the better , consume the limit 3 days before the bill date and only have a few dollars left. Be careful not to exceed the limit. Then call to apply for a limit increase. The reason is that the limit is too small and requires a large amount of consumption. If the limit increase is successful, it will be used up immediately. Then call to apply for a limit increase until the limit increase cannot be applied. Generally, the fixed limit will be withdrawn directly. It is a temporary quota. Please note that the temporary quota is directly divided into 3-month installments, and the 3-month installment is paid back to 1 month. Then the installment is canceled, and the temporary quota becomes a fixed quota.
The second trick: credit card swiping method
Deposit 50,000 yuan directly into the credit card, then swipe it out, then deposit it in and swipe it out again, repeat 2-3 times When I applied for a limit increase, I was told that the limit was too small and I was using it as a debit card. If the limit increase was successful, I repeated this process. If I applied for a temporary limit, please refer to the first step to convert it to a fixed limit.
Third method: Credit card foreign currency repayment limit increase method
The credit card is a dual-currency card. First deposit 100 US dollars into the card, and then call customer service to apply for a limit increase. The reason If you want to go abroad, apply to increase the US dollar limit, and apply to increase the RMB limit accordingly. US dollars can be directly deposited online and enter ICBC online banking. Click on the credit card and then click on repayment. Currency - US dollar, then select foreign exchange repayment and enter 100 US dollars. You can return the money from the savings card to the dual-currency card into US dollars. The more US dollars you save, the greater the probability of success. After the limit is mentioned, the US dollars can be withdrawn or exchanged.
The fourth method: debit card foreign currency withdrawal method
Bind the debit card and credit card together (it is said to be used for self-service repayment), and you can bind it by telephone customer service After that, I went to online banking to exchange some foreign currencies (US dollars, Japanese yen, euros and other foreign currencies) and deposited them into the ICBC savings card. I purchased 3 types. It took 5-7 working days. I called the ICBC credit card customer service to apply for a limit increase. She asked about the purpose. Just say that you need to increase the limit for overseas consumption, and the customer service will immediately help you increase the limit. After the upgrade, you can just exchange the foreign currency into RMB and take it out.
The fifth step: Precious metals raising method
Open ICBC online banking: debit card, credit card bound to online banking with U-shield, and then deposit about 2,000 precious metals into the debit card For transactions, buy paper gold, buy 3 grams each time 50 times a day, buy for 3 days in a row, call customer service after 3 days to apply for an increase in the fixed limit, the reason is large consumption or decoration materials.
The sixth trick: Pledge to raise the amount
Be sure to open a financial management gold card debit card and deposit 50,000 into the debit card. The online banking operation directly transfers the current payment to a one-year fixed term. Then go to the online banking site to get an online loan, and choose ++++ in the online loan project to use a time deposit of 50,000 as a pledge for a loan, so that you can finally get a loan of 45,000. Then, continue to convert the loan of 45,000 into a fixed term, and then proceed to ++++, so that you can get another loan of 40,500. Continue the cycle, convert 40,500 to regular period, ++++, and get 36,450. The last time, 36,450 was regularly pledged, and 32,800 were obtained. After doing this, the assets in your wealth management gold card, e-Age card, or Peony card are frozen time deposits of 171,500 and current deposits of 32,800. Total assets: 50,000 + 45,000 + 40,500 + 36,450 + 32,800 = 204,755. After completing the above steps, immediately go to the branch where you opened the debit card and fill out the limit increase application form and provide your wealth management gold card debit card, ID card and credit card. It usually takes 5 working days for the amount to be raised successfully. Online banking will be canceled immediately after the amount is successfully raised++++. The daily interest rate of pledge is: 4.86%154750/365=20.6 yuan/day. If the cost is calculated based on 5 days, the interest will be 103 yuan.
Top 7: How to apply for a credit card in a different place
When you have your first credit card, just change the city and apply for a new card. You must have a single gold card with a credit limit of more than 50,000 to operate this trick. This is the most powerful trick. ICBC can open 8 cards of different brands in different cities, with different quotas, and finally use a platinum card to combine all the quotas. This is how you can get a card with a maximum limit of 500,000 without any assets, because applying for a second card with a limit of 50,000 will not be lower than the original card.
The eighth tip: automatic system upgrade and adjustment
Of course, ICBC's official credit card system will also apply for your credit card, but the premise is that the upgrade conditions must be met. If your credit situation is good and you use your credit card frequently, you can spend more money. The most important thing is to repay the loan in time. Then the system will automatically upgrade for you.
That’s it for the introduction of how to adjust the limit of ICBC credit card.