ICBC will proactively adjust the limit for eligible cardholders. Cardholders can also proactively apply to the bank for a temporary limit or adjust the fixed limit after using the card for six months. However, you need to develop good card usage and repayment habits in order to improve the success rate of credit card limit increase:
ICBC credit card limit increase tips include the following:
1. Frequent use of credit cards, regardless of the amount, will definitely be used where credit cards can be swiped.
2. The monthly bill consumption is at least 30% of the total amount.
3. The bills for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.
4. The cardholder’s repayment ability is an important factor considered by the bank, so use full repayment as much as possible.
To increase the fixed limit, you can call the customer service hotline (95588)/VIP customer service hotline (4006695588)/Platinum card customer service hotline (4000095588) to contact the customer service specialist to apply.
Extended information:
How to apply for a temporary limit with ICBC credit card:
1. SMS application:
If the cardholder has subscribed to SMS For banks, you can edit and send "LSTE#Card Number#Currency#Adjusted Amount#Temporary Adjustment Expiration Date#Password Device Dynamic Password" to customer service 95588 to apply.
If SMS banking has not yet been activated, cardholders can send "LSTE# card number" to customer service 95588, follow the prompts to activate it and apply for a temporary limit.
2. Online banking application:
Cardholders can click "Personal Online Banking Login" on the personal customer service homepage of the ICBC website and log in to apply for a temporary limit.
3. Customer service application:
Cardholders can call the ICBC credit card customer service hotline 400-66-95588. After the bank verifies the identity, it will comprehensively evaluate the cardholder’s information and automatically Provide an increase in credit limit.
ICBC-Credit Line Adjustment