Let's get back to the topic, from 25, to 143,, an increase of 5.72 times. According to the normal half-year increase, even if the increase is 3% each time, it will take you at least two and a half years.
so how to realize the quick withdrawal?
CITIC Bank's credit card is notoriously strict in risk control. Many netizens have used it for one or two years, and many people have not received the amount. The most important reason is that the method of raising the amount is incorrect.
Let's talk about the withdrawal skills of CITIC Bank.
This is the same for all banks. The purpose of issuing credit cards to you by banks is to encourage you to spend more. Only when you spend money can banks make money. Therefore, you usually use CITIC's credit card to spend more when you have nothing to do, and you can use it whenever you can for shopping and payment. Moreover, the types of consumption should be diversified, so don't stick to several types.
At present, many banks encourage people to spend, and online consumption is also encouraged. However, CITIC Bank is a bit different. Many netizens report that they often use CITIC online to spend a lot of money, and then don't raise the amount for a long time. The reasons are still being studied.
In this respect, CITIC Bank is the same as most banks. Some friends look at some so-called withdrawal cheats and use large credit cards. As a result, in order to save the handling fee, they go to some wholesale or public-welfare pos machines to swipe their cards. However, the handling fee of this pos machine is low, and the bank can't make much money at all. If you spend money on this type of POS machine for a long time, the bank is not welcome, so it is difficult to give you a withdrawal.
don't be stingy with the installment fee. You can't bear to let your child get away with it. The installment fee is the fat difference of the bank, so the bank encourages everyone to go to the installment. Therefore, if you want to raise the amount, you have to be willing to give the bank some benefits and let the bank make a profit, and the bank will actively raise the amount for everyone.
Consumption in high-end places is the favorite of CITIC Bank. You often swipe your card at pos machines such as KTV, gold jewelry and watches, and CITIC Bank is most willing to give you an increase. On the one hand, this kind of card swiping fee is high, and the bank earns a lot. On the other hand, frequent consumption in these types of places shows that you have strong spending power and high income.
If the current card is a general card, those who have used it for more than half a year and often spend it can increase the quota by applying for a gold card; If it is a gold card, it will be improved by applying for a platinum card. Generally speaking, a platinum card is easier to get a raise.
This trick works for many banks. The specific method is to spend money frequently within three months, and at which pos machines with high fees, spend about 8% every month (whether you spend money yourself or TX), and then call the bank customer service to ask for an amount increase. If the bank gives an amount increase, it is of course the best. If you don't give an amount increase, you should stop this card for about two months, and don't spend any money during this period.
seeing your beautiful consumption record before, it has created a lot of benefits for the bank. You said that you would cancel your credit card, so the bank probably panicked, and then asked you how to cancel your credit card. Just say that the quota is not enough, and the quota of other banks is several times that of your family. At this time, the customer service MM of the bank will usually ask for more quota by giving you a quota.
We talked about so many skills above, but everything is based on your timely repayment. If you don't repay on time, it's all in vain.
Actually, I'd like to know the reason why the landlord wants to be promoted to 143,.
As an ordinary citizen, my credit card limit is less than 5, now. After an installment payment, the bank took the initiative to inform me to increase the limit, which was only 2, before. However, as far as daily consumption is concerned, it is basically enough. Occasionally, there is a high demand, and some can apply for a temporary quota from the bank.
Recently, we have been more strict about raising cards with cards. Of course, we still can't stop friends from raising cards with cards.
In the past, when P2P was just hot, some people used credit cards to cash in and invest in P2P platforms to earn the difference.
There are also bosses of some small companies who use credit cards as temporary emergency funds for their companies.
Of course, there are also some young people who pursue high consumption. When they have big expenses, they overdraw their credit cards and invest in their future spending power.
these are some situations that I know have a high demand for the quota.
however, these are actually relatively risky.
Recently, I have seen many financial management cases, all of which say that the pressure of credit card repayment is increasing because of raising cards with cards, so I turned to financial consultants for help.
however, it is impossible to change completely without changing consumption habits.
Before developing good consumption habits, having too high a credit card limit may be a constraint, which will make personal financial situation worse.
that's how you raise the credit card!
if this method doesn't work, you can refer to the following methods-credit card use skills with a success rate of 95%!
Make sure to spend more than 15 times a month
Your credit card should be used for daily spending, and the more times, the better. Pay attention to the fact that every spending must have bank points. You can apply for withdrawal if you keep trading for 3 months and then call the credit card customer service center.
It should be noted here that in order to avoid being suspected of cashing out by the bank, it is absolutely forbidden to brush a large sum (more than 5% of the original limit) without brushing for a long time, and withdrawing cash is absolutely taboo! !
try to repay the loan in advance after the credit limit is swiped
Make sure to repay the loan immediately after the credit card limit is swiped every month, regardless of whether it is due or not, and then swipe it after it is repaid. In this way, the bank can judge that you use the credit card completely as a tool, and have good repayment ability, and withdraw the amount properly!
Make several installments of the bill
The amount of installment is preferably more than 5, yuan, and it is best to divide it into more than three installments, and the full repayment should be made in advance. In this way, if you swipe your card, the bank will earn more, because it is interest, so there is a process of mutual benefit, and the bank can judge you as a quality customer, and it is no problem to raise the amount!
brush a few bills that exceed the existing limit by 8%
Why do you want more than 8%? You should let the bank know that your quota is not enough! If your monthly consumption amount is less than 3% of your quota, the bank will never give you an amount, and it will only be given to you if it can't meet your needs. You can't spend it all. What can I give you?
Don't make the minimum repayment
If your consumption is in the form of installment or minimum repayment, the bank will never raise the amount for you, on the contrary, it may reduce the amount!
let me talk about my personal experience. I had a lot of credit cards at first, up to eight at most, and now there are only three. If you want to increase the limit, you must let the bank see that you are really spending. No matter what you buy, you can use the card as long as you can spend it by credit card. This is called diversification. Reduce the credit information, and you can't apply for the amount adjustment repeatedly in a short time. Every time you apply, you must use the credit information once, and these banks will have records. Spend by stages properly, so that banks can make a profit and show you are a quality customer in their backstage. Reduce the number of cards and cancel some credit cards that are usually useless. Raising the amount is a process, which requires time and patience. Published for the first time, it is a disgrace
Summary of credit card limit promotion skills: many times and many times, give full play to advantages, and prescribe the right medicine
Today, I will tell you how to improve the credit card limit skills. Everyone should have a relevant understanding of the credit card limit promotion skills, but each bank's credit card limit promotion skills are different. Let me tell you about it.
Credit card withdrawal actually has certain skills, and the major banks are different. The main feature of China Merchants Bank is that you need to swipe the card many times and in large quantities. I probably don't care how high the amount you spend. The key point is that you probably only spend two or three hundred yuan a month, but you spend your money at major convenience stores every day, and you spend 3 times a month each time, and your debt ratio is relatively low. By the way, you can also make installment payments. After these methods are used in this way, their credit card limit is likely to increase to about 3 thousand to 6 thousand in a quarter.
Hello, I'm the road to being a disciple.
This year, China CITIC Bank, the iron rooster, has a strong policy of raising the quota, but it will take at least one and a half to two years to raise it from 25, to 143, just by raising the card. This is calculated according to the range of 1%. The bank's policy changes our best understanding of playing cards. Originally, CITIC credit cards were raised by 3% for half a year, but this year, the raised range of CITIC cards with good play fluctuated between 5% and 1%.
after reading some answers, it's amazing that all the excerpts can be published. Then I'll talk about what CITIC should not do:
1. Don't do it in installments. I'm telling you that what CITIC only raises in installments is half a bucket of water.
2. Don't use the dream-realizing fund and the new express line. Using the dream-realizing fund and the new express line will affect the withdrawal period, and what could have been mentioned can only be recalculated after the repayment.
3, temporary, phased, dream come true gold, the new express line has never been out is the black house. It's all wrong, not to mention fixation. It's the posture.
if you want to raise the amount and raise a large amount, when it comes to graduation, there are only two aspects.
1 personal qualifications such as your credit information and assets. If your character is very good, your reputation is good, and you are worthy of others' trust, you still have a house to be demolished at home, you are still working hard, and you are still a potential stock. If you ask your friend for some money, will your friend not lend it to you? In the same way, show your qualifications to the bank as much as possible. SAO Nian
2 Good habit of using cards, knowing how to use them.
As for how to build personal qualifications and how to use credit cards, you didn't ask this question, but it's personal. I don't want to mention this figure until you
estimate that you need 143, yuan ...
There are many aspects to be considered in credit card promotion, such as your consumption, your compliance, your consumption patterns and so on. If you can't meet the requirements of the bank in these aspects, it's really not easy to increase the quota. Moreover, CITIC Bank is notoriously strict. If you want to increase the quota, you should start from many aspects ~ < P > It is to encourage you to swipe your credit card, and you can't do it all at once. Brush it more than 2 times a month, and it won't take long to give you a raise. The reason is simple. You brush all the money at once, and they think that's all you need. You brush less times, which proves that you don't use it often. Why give you a raise?
a credit card is actually equivalent to a bank loan to you, but what is the biggest problem with the loan? Can you repay the loan on time? If you can't do this. Then they have no reason to give you an increase, and they may even give you a decrease.
Life is not very rich, so I need help. Plus your performance, raising the quota is not a problem.
In short, a thousand words can be summed up in one sentence. If you have nothing to do, you can use your credit card, have time to make several installments, and finally repay on time. Naturally, your quota will be improved.
the direct increase from 25, yuan to 143, yuan can't be said to be absent, but it should be very few in reality, because this span is too large, and it has been directly increased by nearly 6 times at once. The credit card limit will be increased, but it is generally increased after a period of cumulative use, and then increased after a period of use, and the increase ratio will basically not exceed double, so it is very difficult for your 25, yuan to soar directly to 143, yuan.
can it be done then? The answer is yes: if you directly deposit several million yuan into CITIC Bank for a month or two to promote yourself as a VIP customer of CITIC, then there should be no difficulty in asking CITIC to propose a quota of 143, yuan.
In reality, how to use a credit card can improve your credit limit as soon as possible. Generally speaking, taking the following actions is conducive to improving the credit limit.
As the saying goes, a white cover up all the ugliness, and a fat one destroys everything. For a credit card, it is overdue and destroys everything. A good credit record is the most basic factor to increase the limit. If it is often overdue, it is merciful not to reduce the limit, let alone increase the limit.
Spend as much as possible by swiping your card. As long as you can swipe your card for food, clothing, housing and transportation, then spend by swiping your card. No matter the amount, the more frequently you use it, which indicates that the higher your loyalty to the bank, the information system of the issuing bank will record and count your swiping frequency. However, one taboo is to repeatedly swipe your card on a POS machine, which is suspected of cashing out.
as long as you can maintain a high frequency of credit card spending within half a year of normal card use, you can generally apply to the card-issuing bank to increase your credit limit, and even the card-issuing bank will automatically increase your credit limit.
Take the credit card of China Merchants Bank as an example. When the temporary limit can be adjusted, it must be increased. A word circulating in China Merchants Bank, to raise the temporary quota twice and raise the fixed quota once, is effective by my own personal test.
Appropriate installment, regardless of the amount, makes the bank generate revenue, which is an extremely favorite behavior of the bank. After all, customers have been paying back on time, and the only thing the bank can earn is the credit card processing fee of POS machines, while installment can make the bank earn more intermediary business income.
Use up the credit card limit as much as possible. The monthly spending amount of the cardholder is also one of the main reference bases for the bank to consider how much to increase the credit card limit. For example, if your credit card limit is 5, yuan, but the monthly spending amount is only 1, yuan or 2, yuan, then the bank will think that this limit has already met your needs, and even if you want to apply for withdrawal, it will generally not be approved.
the threat of card cancellation has a certain effect on any bank, but only if your previous credit card record is good, especially if you have made several installments and created a lot of benefits for the bank. In this case, you can call the bank to help you raise the amount, otherwise you will be asked to cancel it. If you have a good credit record and a good credit card record, under normal circumstances, the bank will increase a certain amount as appropriate.
The quota has been raised from 25, to 143,. In a short time, if there is no major event (for example, you won tens of millions of lottery tickets in the bank), it is basically impossible, and the span is too big. It is good to increase the credit card quota from 25, yuan to 43, yuan in a short time. The credit card quota should be gradually increased step by step, and it is basically impossible for ordinary people to increase it quickly.
It was actually measured that I had an 8 CITIC card with a temporary account of 37,, and I transferred it to the wrong account of 4,. After I swiped it several times in two months, I raised the amount to 12,. When it was not temporary, I gave out a dream-opening fund of 72,.