1. Are there many people in the 51 Credit Card Forum? Most of them are Sina
Sina
. The approval rate for this loan is relatively high, so you can use it.
2. Are there many people in the 51 Credit Card Forum?
The credit card limit is low and cannot meet the usage needs. This problem has become a focus issue that troubles many cardholders. Therefore, quickly increasing the credit card limit has become a top priority for cardholders. In this issue, Rong360 introduces you some tips to quickly increase your quota.
Clearly understand the bank's credit limit adjustment method
Credit card temporary limit adjustment---after the cardholder successfully applies for a credit card for the first time, the cardholder applies for a temporary limit increase for the first time. Most banks require a temporary credit limit adjustment. If the card is 3 months old, just call the customer service of the credit card center to apply. Generally, the temporary limit is valid for 30-90 days.
Credit card holders who apply for a permanent limit increase after successfully applying for a credit card for the first time apply for a permanent limit increase. Most banks require that the card must be opened for 6 months. You can just call the customer service of the credit card center to apply. The bank will Based on personal credit card usage, decide whether to agree to permanently increase the limit and give the limit increase range.
Time point for banks to proactively adjust quotas
Due to the increasingly fierce competition in the domestic credit card market, most banks have entered the era of intensive farming from horse racing operations. It has become a strategy to proactively increase the credit limit for regular credit card holders. Usually, banks
will take the initiative to increase credit card limits for cardholders before peak consumption periods such as New Year's Day, Spring Festival, May Day, and National Day. In addition, if your card's monthly consumption limit often reaches 60%-100% of the usage limit, the bank will generally take the initiative to increase the limit for you based on usage.
Tips for daily use of credit cards to quickly increase credit limit
1. Frequency of credit card swiping
In daily life, it is best to develop the habit of swiping your card whenever you can. On the one hand, you can use the bank's interest-free period to add a little extra financial income to yourself. On the other hand, you also become an active user of the bank. Usually, banks will have quota rewards for active users of the bank.
2. High consumption amount
Irregular large-amount consumption, and then normal repayment. Banks usually define these cardholders as high-quality customers. When judging the cardholders If there is a larger demand, the amount will be increased as appropriate.
3. Continuous and stable consumption for a long time
Banks generally have credit card holders who have been cardholders for more than one year and have transactions every bill month. This group of customers usually take the initiative to increase their limit. If the customer takes the initiative to apply for a permanent limit increase, the bank will have a higher chance of approval.
4. Frequent cash withdrawals and frequent credit card installments
For cardholders who frequently withdraw cash from credit cards, the risk factor for banks is very high, but at the same time, the risk of cash withdrawals is very high. Cardholders are also the ones who contribute the most to the bank; installment users have relatively low risks, but their contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.
5. Threat of card cancellation
In the era of credit card turmoil, if customer service staff receive a card cancellation application, they will often beg in every possible way, ask for the reasons, and then provide limit increases, gifts, etc. Encourage, but currently, for some state-owned banks or joint-stock banks with large card issuance scale, applying for a credit limit increase through the threat of card cancellation has gradually become outdated, and the success rate is very low.
Finally, a high-limit credit card does not represent everything. As long as it can meet personal consumption needs, it can be used by swiping the card normally. Cardholders should develop a good card-using habit and use it according to personal consumption. Use your card as much as you can, and don’t spend without restraint.
3. Is there any difference between the credit cards applied for on 66 Sharing Network and 51 Credit Card Forum?
The credit card applied for is the same.
No difference.