Each bank has its own advantages and disadvantages. What are the disadvantages: It is difficult to download the card, the limit is low, and it is difficult to maintain the card. This is what many people love and hate about credit cards. What are the advantages: Of course, it is a high limit, and there is a large loan amount behind the credit card. This is the biggest advantage for people with financial needs.

I applied for the Platinum Dream Card from Shanghai Pudong Development Bank in June 2017. Because this card is a platinum card, it has many benefits and no annual fee. So I applied for this card at that time. Since it was a question of good credit, the card was issued in more than a week, and the credit limit was 50,000. Once activated, you will get 49,000 universal gold.

The 50,000 platinum card can be considered a relatively reasonable limit. Although I am not short of money, I also want to keep this card to see what surprises there are. So I have always used credit cards to make purchases and maintain cards. In the past year or so, the number of card swipes and consumption amount have been relatively high.

Judging from the consumption situation in almost a year, the monthly consumption is basically 30-80 of the total amount.

Consumption is also very diversified. Shopping, dining, jewelry, clothing, supermarkets, etc. are basically consumed in many industries. 1-2 large amounts, 2 to 5 medium amounts, and 20 or so small amounts.

The number of card swipes was more than 20 for small purchases within 3,000. There are also one or two transactions within 3000-10000. There is also a consumption within 20,000 sometimes. Every time you spend more than 10,000, the basic bank will increase the limit of universal funds.

Universal gold ranges from 49,000-77,000-105,000-155,000-205,000-265,000. Among them, when it was 105,000, the bank called to remind me that I had 105,000 universal funds for me to use. Since I don't have this need, I don't use universal gold. When I reached 205,000, the bank also called me and told me that I had 205,000 in funds, saying that I could buy a car and use it for home decoration and other things. When it reached 265,000, the bank said: Your credit report is very good, the universal fund has been increased, and you can use it for buying a car, decoration, and capital turnover. I personally don't have this need, so the universal gold has never been used.

Two days ago (May 19), Shanghai Pudong Development Bank also sent me a text message to increase my credit limit. The limit has been raised from the original 50,000 yuan to the current 60,000 yuan.

After using Pudong Development Credit Card for more than a year, I have summarized three tips for increasing the limit of Pudong Development Credit Card:

1. Pay attention to the monthly credit limit

Credit card swiping is not simply the more the better, it must be matched according to the size and amount. It is best to consume incrementally. For example, at the beginning, keep the total credit limit at about 30-50 per month, and then apply for a limit increase after a few months. After increasing the limit on this basis, you can spend according to the ratio of 50-80.

2. Repayment must be made on time and in full. This is something that every bank must do for credit. Overdue credit is very bad for credit. No matter what it is, card users must do this. If they can't do it, they would rather not use the credit card.

3. Large-amount consumption

Shanghai Pudong Development Bank is a bank that likes large-amount consumption. If you spend a large amount, the bank will basically increase the universal limit. After all, the interest on Universal Cash is more than what you earn with a credit card, so it is understandable for banks to increase the amount of Universal Cash to tempt you to use Universal Cash.