At present, there are three ways to apply for adjusting the fixed credit line:
1. After holding the card for a period of time, you can apply for increasing the credit limit by speaking on our customer service hotline, logging in to online banking or calling the customer service hotline. We will apply for it for you according to your past card use.
2. Or when your economic level has improved to a certain extent, you can also provide us with relevant certificates (such as real estate, automobile real estate, savings certificate of China Merchants Bank, etc.). ), fax (02 1-38566200) or mail the financial proof that you didn't provide before applying for the card, including a copy of the real estate license (the real estate license must contain the name of yourself or your spouse or minor children), and the relevant departments will re-examine it according to your new information.
3. Log in to credit card online banking (popular version and professional version), account management-account quota management-quota adjustment-apply for quota increase. After the application, it will be reviewed according to your card usage. If you download the Pocket Life, you can use the card * to manage the payment limit.
If the fixed quota cannot be adjusted, or the quota adjustment is urgent, you can try to apply for a temporary quota. The temporary credit line is the result of comprehensive evaluation by our system with reference to all aspects of your situation, including whether you repay the loan on time, whether you often use our credit card, the type of consumption and the specific situation of consumption. These are the factors we consider. The success of the application depends on the results of system evaluation. The temporary limit is valid for a certain period of time, after which it will be automatically restored to the original limit, and you can borrow cash in advance. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date. If there is still a temporary limit under the condition of non-maturity/non-repayment, you can apply for adjusting the temporary limit again, subject to the approval of the system. Log in to credit card online banking and click Account Management → Account Limit Management → Temporary Limit Adjustment.