(1) Temporary limit increase
If you have a large consumption demand in a short period of time, you can call the credit card customer service hotline to ask for a temporary limit increase. If you meet the conditions for a temporary bank limit adjustment, the temporary limit adjustment can be realized within 24 hours. The temporary credit line is valid for 3 days, and the credit line will be automatically restored to the original credit line after expiration.
(II) Long-term credit line increase
When you need to increase the credit line for a long time, you can call the credit card customer service hotline, and the bank will handle the demand for permanent credit line adjustment in time according to the cardholder's credit card status and credit standing:
1. Use the credit card frequently to win by swiping the card. In daily life, credit cards are used wherever you can swipe your card. Frequent use will definitely help cardholders to increase their credit limit as soon as possible.
2. ensure the amount of credit card spending every month. It is best to generate a consumption record of at least 3% of the total credit card amount every month. If it lasts for more than half a year, the banking system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.
3. Ensure that the credit card can be repaid in full and on time. This is very important for credit card holders who want to increase the limit. If you can't repay in full and on time, there will be a bad record of credit card repayment, which will not only affect the cardholder's personal credit information, but also greatly extend the time for credit card to increase the credit limit.
4. enrich the consumption types of credit cards. Different consumption types will reflect cardholders' different consumption concepts and spending power, which will also affect the progress of credit card promotion to some extent. Within the scope of our ability, we will increase the opportunities for large-scale credit card consumption, so as to promote the credit card limit as soon as possible.