How to increase the temporary limit of a credit card

Card friend Xiao Wu wanted to apply to the bank to increase the temporary limit because his credit card limit was not enough, but he didn’t know how to do it, so he came here consult. Generally speaking, there are two main ways to increase the temporary limit. However, you need to pay attention to some basic matters when raising the limit. Let’s take a look below.

1. Methods for increasing the temporary limit of credit cards

1. Cardholders can actively apply to the bank to increase the temporary limit. After receiving the cardholder's application, the bank will increase the temporary limit according to the cardholder's request. The person's card usage records, such as repayment status, whether the card is used frequently, etc., are used to determine whether to increase the credit limit.

2. When the economic strength, social status, and repayment ability have improved, the cardholder can provide the bank with new financial proof to apply for an increase in the temporary limit, and the bank will make a comprehensive assessment. Its raise amount.

Note: Under normal circumstances, the bank's review of temporary limit adjustment will make a comprehensive assessment based on the cardholder's card use, consumption, repayment and other aspects of card use, and the specific review results shall prevail.

2. What should be paid attention to when making a temporary limit increase

1. Temporary credit limit cannot be applied for installment, so when swiping the card for consumption, you must consider it in light of your own financial situation;

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2. The temporary credit limit cannot enjoy revolving credit, nor can it be repaid according to the minimum repayment amount;

3. The temporary limit has a certain validity period, and must be repaid in time when the validity period expires;

4. If the cardholder repays the temporary limit overdue, he will need to pay interest, late payment fees and over-limit fees.

Reminder: The temporary limit is easy to borrow but not repayable, and cardholders need to treat their consumption rationally. Once you cannot pay off your credit card debt, it will not only cause your credit card to become overdue, but it will also seriously affect your personal credit record.

How to increase the temporary limit of Bank of China credit card?

Methods for temporary increase in credit limit of Bank of China credit card:

You can use Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, personal online banking, and Bank of China credit card customer service Call the hotline 4006695566 to apply for a temporary quota adjustment, and Bank of China will apply for it for you based on your card usage. Warm reminder: The amount used within the temporary credit limit is not included in the minimum repayment amount and cannot be used for installment business. It will automatically revert to the original limit after expiration. Please repay on time according to the bill prompts.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, you are welcome to consult the Bank of China online customer service or download and use the Bank of China mobile banking APP to consult and handle related services.

How to increase the temporary limit of bank credit card?

Methods to increase the temporary limit of a credit card:

1. You can apply at the bank’s credit card center.

2. Call the bank customer service.

3. Log in to mobile banking to apply.

4. Apply through online banking.

Credit card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick.

It is issued by the bank to individuals and organizations. They can use it to shop and consume with special units and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number and cardholder printed on the front. Name and other contents, there is a magnetic strip and signature strip on the back.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the bill date.

How to temporarily increase the credit card limit

You can log in to Bank of China Mobile Banking, use the "Home Page - Credit Card - Limit Management" function, select the credit card that needs to increase the limit, and click to increase the temporary limit , enter your desired quota and expiration date on the page, and enter the security certification information on the confirmation page to complete the temporary quota increase application. Warm reminder: The adjustment amount is subject to the final approval result.

The above content is for your reference, please refer to actual business regulations.

This ends the introduction on how to increase the temporary limit of a credit card and how to increase the temporary limit of a credit card. Did you find the information you need?