Two days ago, a friend came to my place to talk about something. Knowing that I knew a lot about credit cards, he told me a situation. He said, “Recently, I discovered that the temporary limit on my China Merchants Bank credit card is gone. The cash installment is gone! I had it before, I don’t know what happened.” I thought, I must have entered a “black room”. Friends who are familiar with China Merchants Bank often hear that China Merchants Bank has "big dark rooms" and "little dark rooms". In fact, your card use behavior triggers the risk control system of China Merchants Bank, which causes the credit card to enter the gray list of the bank's risk control system. . When you find that there are no temporary quotas, no cash points, no e-loans, etc. in the Palm Life APP, you may have entered a "black room". It will be very troublesome if your card becomes this state. Today I will tell you some things about China Merchants Bank’s dark room and quota increase.

1. Some signs and symptoms of entering a dark room

"Dark room" generally refers to something that existed before but no longer exists. For example, if you had an e-loan before but suddenly disappeared later, you may be in a dark room.

The performance of Little Black Room: There are bill installments and cash withdrawals in Palm Life, but no e-loans;

The performance of Big Black Room: There are e-loans and bill installments in Palm Life, Withdraw cash on the palm of your hand. None, the more there are, the higher the severity.

Note: It is normal for a newly purchased card to have nothing for a few months.

The main feature of the Black Room is that the available cash installment amount is lower than the available fixed amount; the temporary amount and the fixed amount cannot be adjusted. As for Daheiwu, not only is it impossible to adjust the temporary amount and fixed amount, it is also unable to process bill installments, cash installments, and e-loans.

2. Why was he locked up in the "black room"?

1. If the ID card information has expired, you will enter a dark room;

2. If you use e-loans to attract loans, you will enter a dark room;

3. The usual number of credit card swipes If you do too much, you will enter a dark room. The number of transactions depends on the number of transactions, but it must be appropriate. 25-30 transactions a month is enough. Too much will be self-defeating.

4. Overdue payment and the minimum payment will also lead to a black room. Wait, there are some other situations that I won’t list here.

Mainly the following behaviors may lead to entering the dark room:

1. Using the cash installment method to increase the fixed limit;

2. There are illegal credit card swiping behaviors Or the card is used abnormally;

3. The limit of the credit card held by other banks is too high, or the credit card is overdue and has been subject to a credit report.

4. Personal debt is too high.

3. How to get out of the dark room?

1. Maintain a good card repayment record and avoid irregularities. Generally, it will come out naturally after 3 months.

2. Installment shopping on Palm Life: Buy some relatively high-value products on Palm Life, apply for installment purchase, and you can usually get out of the dark room very quickly.

3. Make a contribution by moving bricks

4. Pay off the bill before the date and make 0 bills

5. Call customer service to explain that you have consumption needs and ask for payment Increase your credit limit, especially when your credit limit is almost used up.

6. When the clouds open and the moon shines, if you are lucky, you may come out early when the water is released.

The biggest impact of the black room is that the quota cannot be increased stably. It also means that there is a problem with the overall score. If you step out, it will be easier to increase the credit limit, so you must understand your card usage status and make adjustments in time. According to some of my plans above, I am very sure that he will be able to walk out of the "dark room" and see the light of day again after a while! Then I gave him some tips on how to increase the limit of China Merchants Bank, and I will tell everyone about it.

IV. Some contents about CMB credit card limit increase

Some characteristics of CMB credit limit increase:

1. The first limit increase is usually 6 months later.

2. From now on, the quota of China Merchants Bank can be increased once every three months, which is considered very frequent. If there is urgent need, the temporary quota can be increased through the official WeChat and Palm Life.

3. The amount displayed on the Applause Life APP is the amount you can increase this time.

4. Cash installment: Amount after cash installment = used amount + cash installment amount

5. Overseas consumption helps to provide temporary and fixed payment.

China Merchants Bank likes overseas consumption very much. If you have conditions, you can go abroad. If you don't, you can shop overseas and make one or two transactions. Sometimes China Merchants Bank will take the initiative to increase the limit.

Personal experience with China Merchants Bank’s credit limit increase:

1. Make about 10-20 transactions per month, each transaction ranging from tens to thousands (long-term card maintenance, single transaction only (less than 5,000 yuan), 50-80% of the quota will be used every month. It is best to combine it with investment activities. If there are activities in the month, click here.

2. Do not brush integers or empty fields. It is best not to exceed 3 transactions per day, and the interval between multiple transactions should be more than 3 hours.

3. When you are offered a temporary quota, you must apply. It doesn’t matter whether you use it or not.

4. When the bill comes out, try to pay it back in full.

5. Regularly use the China Merchants Debit Card to increase your balance.

6. Installment can help to increase the amount, and it can be divided once every six months.

Credit card limit increases remain true to their original purpose: full repayment, appropriate installments, and diversified consumption (simulating reality). If you follow this principle, I think it will be a matter of time before you raise your quota.

Some points to note:

1. The temporary quota does not affect the fixed quota and can be increased or canceled at any time. If you have a limit, it means that your card usage is good. If you don't have a limit, you may be in a dark room.

2. Using Lin’s forehead helps to improve the solid forehead. Don't leave it alone after you have applied it to your forehead. Regular use will also help improve your forehead.

3. Full repayment, 15 to 20 transactions per month, occasionally one or two large transactions, and diversified consumption are the preferred card swiping postures of China Merchants Bank.

4. China Merchants Bank particularly likes the number of purchases. It can bind Alipay and WeChat payment and set the default credit card payment. If you swipe your credit card every day to buy breakfast and drinks, then even if you don’t make large purchases, it’s easy to increase your credit limit.

I have summarized so much, I don’t know if it will be useful to you! China Merchants Bank credit card is relatively easy to control, and the limit increase is sometimes very powerful, so if you have the conditions, you can apply for one. I hope it will be helpful to everyone!