1. After half a year's use, you can call the customer service hotline of CITIC Bank 95558 to apply for withdrawal. The bank will decide whether to withdraw the amount according to the card usage and credit history.
2. Spend more on credit cards. Spending in JD.COM will affect the increase of the quota, so try to spend more in JD.COM Mall.
You can pay by installments appropriately, but you have to pay some handling fees by installments. This is a way to increase the credit card limit of CITIC, and installment payment for shopping in JD.COM is more effective.
4. Put an end to bad credit card records and repay on time. If you can't repay in full, you should also repay the minimum repayment amount on time and pay interest.