Rates are constantly changing according to time and customer conditions. Of course, the premise of the above points is that you should use the card well.
Guangfa's quota has been very powerful. Especially for ordinary cards and gold cards under application, it is not a problem to increase the amount of cards. Have you ever seen anyone who has used the Guangfa True Love Card for nearly 300,000 yuan?
So, which card method is more suitable for Guangfa? Summarize the case mainly from the following aspects:
1, GDB card likes small and multiple transactions, occasionally large, and the amount should not be too large (depending on the amount of your card, 300,000 cards, sometimes 20,000 to 30,000 cards are not exaggerated), so as not to let the bank recognize the cash-out behavior, not to blow up the bills in each period, and appropriately reduce the debt ratio.
2. The withdrawal amount of Guangfa is relatively dead. Usually once every six months. However, it is rare to withdraw the amount by card in three months. It is estimated that the bank wants to encourage users to use cards.
3; The amount of GDB card is calculated according to the card approval date, for example, from the card approval date of 20 1710.4 to July 5, 20 17, the first withdrawal is exactly half a year.
4.GDB card is phased, and the amount may not be increased smoothly before the end of the phase. After the amount is put forward, it is fooled by the salesman to do several stages. So far, the quota has not been raised for one year, and every application is manually intervened, and sometimes the information is verified by telephone. To this end, we must find the right time for cash installment or graduation.
Note: Many banks adopt the method of cash installment graduation (used amount+cash installment amount > = graduation amount), which is reasonable if it exists, especially China Merchants Bank and China Guangfa Bank.
Please pay attention to the following points when using the cash installment method:
1: When there is a fixed quota, temporary quota and cash installment will appear. Please apply for a fixed quota first.
2. I can roughly estimate that I can graduate, swipe my card more and increase the amount of use, so that the possibility of graduation is great.
3. Good mentality, not necessarily graduation, but very likely.
What is the approval amount of GDB card?
If it is a white household, it is generally controlled within 20,000, before 20,000 to 50,000. If there are already credit cards from other banks, please refer to the credit lines of other banks for approval (the four major banks are more useful).
Generally, the success rate of Guangfa curve is not high, but many netizens' curves are unsuccessful, and there are also successful cases, but few.
Over-limit problem of guangfa card
Platinum doesn't charge an overrun fee, and 5% overrun of Jinpuka is 10%.
Modify the billing date of GDB card
Puka and Gold Card can't be modified, Platinum Card can, once a year.
GDB gold card applies for platinum card
Generally, you can apply for 1.5 thousand or more, but it is safer to apply for more than 20 thousand.
The problem of increasing the limit of GDB card
Many friends can withdraw the amount on time whether it is 3 months or 6 months, but some just prompt that the comprehensive conditions do not meet or the comprehensive conditions do not meet the application for adjustment. In this case, I personally suggest reducing the number of credit cards or even refrigerating them, and then trying to withdraw cash in a few months.
GDB card platinum card withdrawal problem
This is a matter of opinion. I've only seen a few netizens raise the amount on time on the forum. Most of them can't be mentioned. Some friends around me also have gold and platinum cards. The platinum card was found useless in the background, so the card was cancelled directly.
A few days later, I immediately raised the amount. This is my friend's personal experience, but whether it is practical for everyone to increase the quota to sell platinum cards remains to be verified. After all, everyone's card habits, credit limit and credit time are different.
The "life gate" of Guangdong's card issuance
Personally, I think it's not good to spend more time on credit cards. Generally, the credit card limit is controlled below 50%, and I want to withdraw it every three months. Personally, I suggest you swipe your credit card more every two months, and swipe less or not in the last month. You can try to mention it. This is a personal habit of using cards.
Many other banks' cards have little influence on Guangfa's credit card application, but what really affects is your personal total credit line, which may be found in the detailed personal credit report. If it is overdue, it may have a great impact on your review.