We know that credit card quotas are divided into fixed quotas and temporary quotas. When the fixed amount is not enough, you can call the credit card and give a temporary amount. What I said today is what is the credit limit condition of Everbright Credit Card.

Adjustment conditions of temporary credit line of China Everbright Bank

1. The applicant must use the card continuously for more than three months;

2. The applicant must have at least three credit card consumption records in the last three months;

3. The applicant's personal credit is good. Bad credit records such as overdue repayment.

Examination and approval conditions for temporary credit card limit

1, the repayment rate of the last six installments, and check whether the cardholder pays back the money on time.

2. Whether the card is used normally mainly depends on whether there is a long-term single large amount of unknown consumption. Simply put, it is to see if there is any suspicion of cashing out.

3. Shadow limit, the first two decisions are whether to give or not, and this value determines how much to give. Shadow limit is the reference value for the issuer to evaluate all assets of the cardholder in the bank, such as deposits and wealth management products.

4. Approval policy: The issuing bank will adjust the approval policy of the temporary limit according to the overall repayment rate. You can hatch twice if you have more, and only 1 10% if you have less.

5. Approver, it is said that this factor does exist, and sometimes the amount is too large, and the approver may make mistakes.

6, the cardholder's work unit, overseas consumption records, in order to test whether the cardholder is a quality customer.

7. The total utilization rate of lines in recent three months is less than 105%, which will make the bank think that your existing fixed line is enough.

Adjustment conditions of credit card limit of China Everbright Bank

1. The account has been opened for more than 180 days (inclusive) and there is no lock code;

2. The account has three or more consumption records in the last three months;

3. The utilization rate of the average monthly credit line in the last three months is not less than 30%;

4. The interval between two permanent quota adjustments shall be at least 6 months;

5. The credit card is in a non-temporary adjustment state.

Summary: The above are all conditions for Everbright Credit Card to adjust its credit limit. As can be seen from the above, only bank credit card holders with good habits can apply for adjusting the credit limit.