When the credit card is overdue, the bank internally says that a hidden limit can be opened to offset the monthly outstanding bill. Is this reliable and safe?

If it is a bank's business, it should be reliable. At most, you should pay some handling fees and interest every month. But first you have to call the bank to confirm whether this is true.

Does ETC credit card have an annual fee?

ETC credit card does have an annual fee, but each bank’s card level and exemption standards are different. Currently, ETC credit cards are issued by China Construction Bank, Bank of Communications, Bank of China and Agricultural Bank of China. Credit cards with car card rights will charge a rigid annual fee, which we can all charge by swiping the card for consumption or points.

How much is the annual fee for ETC credit card:

It is understood that the annual fee for CCB ETC credit card is 80 yuan, and the annual fee is waived by swiping the card three times a year. The annual fee for the Agricultural Bank of China Gold Card is 160 yuan for the main card and 80 yuan for the supplementary card. The annual fee for the platinum card is 580 yuan. The annual fee can be reduced by swiping the card for consumption. Among them, the gold card has no annual fee in the first year, and the annual fee for the next year will be waived if you make 5 purchases in the same year. The platinum card will have no annual fee in the first year, and the next annual fee will be waived if you make 12 purchases in the same year.

It is reported that credit card limits can be increased through bank branches, customer service hotlines and other channels, but the limit cannot be increased immediately. Cardholders must use the card for at least 6 months and undergo review before the limit can be increased. If you want to increase your limit, you should make more purchases with your card within these 6 months, so that your limit will increase.

1. Industrial and Commercial Bank of China:

Annual fee rules: ICBC ETC credit card is exempt from annual fees during the validity period of the card.

2. China Construction Bank:

Annual fee rules: The annual fee for the gold card is 160 yuan, and the annual fee for the ordinary card is 80 yuan. There is no annual fee for swiping the card three times. The other type is the ETC credit card with auto function. Although there are discounts such as car washes, the annual fee of 200 yuan cannot be reduced.

3. Postal Savings Bank:

Annual fee rules: The annual fee for the gold card is 125 yuan/year, and the annual fee for the regular card is 50 yuan/year. When a user swipes their credit card 6 times a year, the annual credit card fee for that year will be waived.

4. Agricultural Bank of China:

Annual fee rules: The annual fee for the main card of Personal Platinum Card is 580 yuan/year, and the annual fee for supplementary cards is waived. The annual fee is waived in the first year. The annual fee will be waived for 12 transactions in the next year; the annual fee for the personal gold card is 160 yuan/year for the main card and 80 yuan/year for the supplementary card. The annual fee is waived in the first year, and the annual fee is waived for the next year after 5 purchases.

5. China Merchants Bank:

Annual fee rules: regular card 100 yuan/year, supplementary card 50 yuan/year; gold card 300 yuan/year, supplementary card 150 yuan/year . The annual fee for the following year will be waived if you make 6 purchases.

6. Bank of China:

Annual fee rules: No annual fee in the first year, and no annual fee after 6 purchases in the following year.

7. Guangfa Bank:

Annual fee rules: regular card 40 yuan/year, supplementary card 30 yuan/year; gold card 80 yuan/year, supplementary card 48 yuan/year . The annual fee for the following year will be waived if you make 6 purchases. Both regular and gold cards are exempt from annual fees in the first year, and will be exempted from annual fees in the following year after spending 6 times.

8. Bank of Communications:

Annual fee rule: 120 yuan/year, no annual fee in the first year, and no annual fee if you make 6 purchases in the following year.

How come Ping An Bank owes more than 1,000 to a credit card and gets a credit report? If I later pay it off, will it still get a credit report?

Generally speaking, if you owe money on your credit card, as long as you can repay the money immediately after you get together or before someone else notifies you, then your credit report will not be affected. If your credit score has been affected, you only need to pay back the money, and your credit score will be restored after a period of time.

What should I do if my credit card is frozen?

Question 1: What should I do if my credit card is frozen? There is no problem of losing your credit. It can only be said that your credit record has a bad record. There is a stain. He has a criminal record and a criminal record. That is what everyone usually says, you have been on the blacklist.

Just like being a civil servant and requiring a political review, this will affect all credit-related businesses you handle in the future such as credit cards or loans from other banks.

What is certain is that you are indeed on the blacklist, and it has been recorded in the records of the past few months that you have not paid back the money overdue. To be precise, in the "Personal Credit Report" system established by the People's Bank of China, all the things about your failure to repay money under your ID number are accurately reflected in this report. This system of the People's Bank of China is public to all institutions authorized by you and to you yourself. If you still remember the application form you filled out when applying for a credit card, I wonder if you looked at the "Credit Card Acceptance Agreement" printed on the back of the form. If you sign it, it means you have agreed that ICBC will query your Credit report. In the future, if you want to apply for a credit card or loan from another bank, you will need to sign to approve that the bank can check your report. As long as you query, you can see how many times your bank and what type of card have been overdue in that year and month or how many times in a row it has been overdue. Specific example: You were overdue once in July. (Although it was overdue due to insufficient repayment of only 2 yuan, it will not be recorded as such in the report. The report basically has no verbal expressions and comments, but only specific quantitative numbers and symbols) Then under the "Credit Card Repayment Status of the Last 24 Months" column, the number 7 is recorded as "1". In August, you did not pay it back. The number "2" recorded under 8 is now 12. This number has become very scary. . In addition, record "5" under the column of "Continuous failure to repay the minimum payment in the last 12 months". If you repay this month, then it will be 5 consecutive months from July to November.

In short, compared with those who have never, it is very clear that if a number symbol appears in the corresponding record in the report, it means there is a stain. The larger the number, the more serious the situation.

I must tell you the truth, don’t say 5, even the appearance of 3 is particularly serious. This means that you have not repaid the loan for three consecutive months. (Although your situation is indeed a bit unfair. Just because of 2 yuan, it led to such consequences. But unfortunately, this record is very cold and impersonal. There are only overdue and non-payment. There are two consequences for overdue payment, nothing else)

Actually, according to what you said, you can tell that the situation is serious if the bank has called you to urge you. Generally, banks will only call to collect debt if it is overdue three times in a row. But the most unlucky thing for you is that you got a credit card from Industrial and Commercial Bank of China. If it is Minsheng Bank, this will not be the case. Minsheng Bank generally does not consider overdue debts within three months for debts less than 10 yuan. The practices of many other banks are also much more humane. Only the four major state-owned banks, including the Industrial and Commercial Bank of China, can do such a thing.

When the card is frozen, it actually means that the card is stopped and controlled. At this time, you can only deposit money into the card, but you cannot swipe the card or withdraw cash. I don’t know how your ATM machine can’t return the money. You should call ICBC immediately and explain the situation. They'll tell you what to do. If there is no industrial and commercial branch, then you can only repay via inter-bank transfer or online banking. The fastest way is to go to the counter of an industrial and commercial outlet to repay. In fact, it has already reached this point, and there is no need to worry about these two days. The key is to make a phone call and ask them whether your situation has been reflected in the credit reporting system of the People's Bank of China. Can the industry and commerce department cancel the record? Because it’s only 2 yuan, and you didn’t do it on purpose. Sometimes the person who answers the phone may not be able to do it, so you can find another operator who answers the phone. At the very least, ask them to record your situation and forward it to their superiors for handling.

If the result is not good, the only way to minimize the negative impact is as the person above said. At the very least, after you pay back the money, ask the bank to unfreeze it for you and restore it to normal. , this requirement is likely to be realized, because after all, it is not intentional and the number is very small. If after returning to normal, you will not be overdue again in the future, then starting from the beginning of this month when you pay off all the debt, the number in the "December Repayment Status" column will disappear one year later. Two years later, the 24-month record will be filled and washed away by new records. But it will take at least two years.

If unfortunately, after you pay back the money, the bank rejects your application for unfreezing and cancels your card, the result will be the worst. Your delay this time will be permanent. The impact is long-term. (Western developed countries usually maintain negative records for 7 years and then eliminate them. China currently does not...

Question 2: What should I do if the credit card of a rural credit cooperative is frozen? It can be unfrozen. Just call the customer service phone and do it. Okay. Reset the transaction password. You must type it in person. The bank customer will need to confirm the details of the card owner.

Question 3: What if the bank has frozen the overdue credit card? Solutions to overdue credit card applications:

1. As a credit card holder, once you are unable to repay the loan on time due to unemployment, illness or other accidents, before the final repayment period arrives, the cardholder will It is best to call the bank's credit card center to state your financial situation, declare that you do not owe money maliciously, and apply for delayed repayment and interest discounts.

2. Bank. In view of the cardholder's proactive performance and previous good credit record, the cardholder will often agree to defer the repayment, and negotiate with the cardholder a mutually acceptable repayment plan, delay period, interest discount, monthly repayment amount, etc.

If you proactively contact the bank and get the bank's approval to defer the repayment, you will not be recorded as a bad record, but it should be noted that you will be guaranteed to repay as agreed in the future.

3. If you are careless and forget to repay, you must repay it as soon as possible after it is overdue, preferably in full. Then call the bank’s credit card center to declare that the debt is not malicious. If you have a good record in the past,

If the overdue period is short and the repayment is good after the overdue period, it may not be recorded as a bad record. Don’t be careless in the future. Be sure to pay attention to the bank’s bill notifications and collection information to avoid overdue payments.

4. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, the bad credit records caused by overdue credit card repayments will be stored in the credit reporting system for two years. The records are no longer scrolled, but are saved for a long time. Therefore, after a credit card payment is overdue, it is best not to cancel the credit card immediately after paying off the debt, but to continue to use the card for more than two years. , and keep your credit in good condition during the period, so that you can

remove bad records from the credit reporting system through rolling records

In today’s credit society, don’t underestimate credit card stains. This will cause you to be unable to handle many banking services, including car loans, housing loans, and commercial loans. Therefore, develop good card usage habits, understand the solutions to overdue credit cards, and be prepared. !

Question 4: What will happen if your credit card account is frozen? 1. After being frozen, you can no longer use the card to make purchases. But this is a small matter. Adding you to the blacklist in the credit database is a big deal. No matter what kind of bank credit card or loan you apply for in the future, you have to wait 7 years to eliminate the bad record.

2 You can just go to the counter and deposit the money. You can call the credit card center to find out the specific amount owed.

Go and return it as soon as possible, otherwise you may receive a letter from ICBC’s lawyer.

Question 5: How to activate a frozen credit card? Hello, if you have a credit card from our bank, it depends on the reason why you were frozen, because Baidu platform cannot verify the account information. Please call the hotline on the back of the credit card. After entering the manual process, the customer service staff will verify and process it for you.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

Question 6: China Merchants Bank’s credit card has been frozen, how can I unfreeze it? 15 points Hello, it is recommended that you pay the minimum repayment amount as soon as possible, then call 4008205555, enter your ID number and select 9 to enter manual. The customer service staff Verification processing.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

Question 7: What should I do if the bank refuses to unfreeze the frozen credit card status? If the credit card is frozen and cannot be unfrozen, you must look at the reason for the freeze to find countermeasures.

1. Suspicion of cash withdrawal leading to freezing

Frequent use of POS machines to withdraw large amounts of cash has caused UnionPay to doubt the cardholder's credit, and the bank will reduce the credit card limit. The circumstances are serious. The deposit will be frozen directly. At this time, relevant evidence of non-cashout must be provided to the bank, otherwise it cannot be unfrozen.

2. Multiple overdue repayments

The solution is to repay in full, call customer service and ask for an unfreeze. As a result, the credit limit may be reduced, but if there are not many overdue payments, , usually customer service will unfreeze it. If the amount is large and overdue for a long time, it cannot be unfrozen.

3. Second-clearance POS machine set codes and code hopping

Currently there are many second-clearance POS machines on the market. Due to some of them using the large merchant model, credit card consumption records are in a state of chaos! For example, if Zhang San lives in Beijing and makes a transaction of 100 yuan in a certain store, the bank registration information of the second-clearance POS machine used by the other party may be in another city. Once Zhang San makes purchases at the Erqing POS machines of other merchants on the same day, and encounters a similar situation, there will be records of credit card swiping in several different cities in one day, and it is very easy for the bank to monitor and block it. At this time, it is necessary to If you explain the whole situation to the bank, it may still be possible to unfreeze it.

4. If your property is frozen or confiscated due to various reasons, your credit card will also be frozen. This situation is relatively rare. Solve the lawsuit first, and then consider unfreezing the credit card.

There are some restricted areas for normal use of credit cards:

1. Repeated operations at the same POS machine for several months.

2. Just swipe it out on the POS machine as soon as it is activated.

3. The same card is used on the same capping machine on a fixed date every month, occupying bank funds.

4. There are transactions beyond normal business hours, such as merchants in the wholesale market having transactions after get off work hours.

5. The credit card has been in a state of being empty for a long time. For example, if the repayment date enters the whole number in a short period of time, the whole number comes out. At other times, there is no card swiping record or less than 2 transactions. If the background system is operated like this for several months, it will be a problem. can be detected.

6. Integer single transactions, such as 10000, 50000, 100050, 200040, 10200, 20400, 10500, 50500, are all suspected of cashing out.

Question 8: How to repay the credit card after it is frozen? After freezing, the credit card can still be used in the ATM machine, but it can only be repaid.

You can repay as much as you have now, and click in as much as you have. Otherwise, the bank will keep calling you for collection, either at home or the contact number you left at the beginning.

Question 9: What should I do if my credit card is frozen and I have no money? If it is a China Merchants Bank credit card, if the minimum payment of the bill is not paid in time before the due payment date, late payment fees and interest will be charged, and it will affect the individual Credit. The late payment fee is 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until all is paid off.

In order to avoid affecting personal credit, it is recommended to repay the bill on time. If it is not convenient to pay off the bill in full, please pay at least the minimum repayment amount on time.

Is it serious how many days your credit card is overdue?

If it is two or three days overdue, it is not serious. If it is more than four days, it will be more serious. Because it will leave a stain on your credit record and affect future loans, car purchases, house purchases, etc.

Extended knowledge:

If your credit card is overdue, it will leave an overdue record on your personal credit report, and only the number of overdue issues, not the number of days, will be recorded. But now many banks have credit card time tolerance regulations. If you repay within the time limit stipulated by the bank, it will not be considered overdue.

If your credit card has not been cancelled, it is recommended that you continue to use it a few times in the next two years and then repay it on time, because credit records are generally maintained on a two-year cycle. After using it a few times, the bad record will disappear. It is pushed away by the newly generated normal record. If it is not used for a long time, the bad records will continue to be retained.

If the credit card has been canceled, it will be more troublesome to delete the record. Because new records cannot be generated to flush the previous ones. But don’t worry too much about bad records caused by overdue annual fees. The current default practice in the banking industry is to ask the credit card bank with bad records to issue a certificate proving that the bad records are caused by overdue annual fees and that overdrafts are not subjective and malicious. , does not affect the loan.

Is it easy to increase the limit of ICBC credit card? What should I pay attention to?

I am happy to answer this question! I specifically consulted the relevant agency personnel and found out the conditions for ICBC credit card limit increase:

1. The ICBC credit card limit increase requires the user to activate it for more than half a year (180 days or issue 6 bills). ICBC credit card holders You can apply to the credit card center for a limit increase.

2. The first withdrawal requires using the card for more than half a year, using it normally (generally the average monthly consumption is required to be more than 30% of the limit) and having no bad records in the last 6 months. The credit limit of Peony Credit Card is fixed and no limit adjustment service is provided.

3. The repayment credit status with no bad records within six months is only the basic condition for increasing the ICBC credit card limit. Whether the limit increase can be successful and how much the limit can be increased also depends on the cardholder’s monthly average Amount and type of consumption.

The ICBC credit card limit can only be applied for again three months after the limit is increased. The maximum limit for each increase is 100 of the original amount. There are also examples of high-quality customers with excellent consumption status who have successfully raised their credit limit after using the card for 3 months.

Methods to increase ICBC credit card limit:

1. In daily life and work, try to swipe cards if you can do without cash, such as going to shopping malls, supermarkets, online shopping, etc. Use your credit card frequently. When the bank sees that the card owner has a strong desire to spend, it will naturally be willing to help the card owner increase the limit;

2. You must have a good credit record. Therefore, every time you use a credit card, you must repay the money consumed by the credit card within the specified repayment period. If you really cannot afford to repay, you can choose to pay in installments.

I hope the above content can help you

Hello, I have been working in banking for many years. I will answer your questions below. I hope it will be helpful to you.

Not only does the application threshold for ICBC credit cards be high, but it is also not easy to increase the credit limit. Brushing stars is one method. The higher the star rating, the more advantageous it is. Let’s take a look at other methods one by one.

1. Increase the credit limit by swiping the card

All banks are the same. For shopping, dining, supermarkets, and KTVs, just use it if you can. More than 20 transactions per month, use up every bill. If the limit is 60-80, stick to 3 installments;

2. Bill installments

Don’t take the initiative to make installments. Wait until you have made a few installments, ICBC invites installments or there are events. , participate in installments. The recommendation is within 10,000, divided into 3-6 periods;

3. Credit card repayment limit method

The credit card is a dual-currency card. First deposit 100 US dollars into the card, and then I called customer service to apply for a quota increase. The reason was that I was going abroad and applied for an increase in the USD limit. At the same time, I also applied for an increase in the RMB limit.

U.S. dollars can be deposited directly online, enter ICBC online banking, click on the credit card and then click on repayment, currency - U.S. dollars, then select foreign exchange repayment, enter 100 U.S. dollars, and you can repay the money from the savings card When the dual-currency card becomes US dollars, the more US dollars you save, the greater the probability of success. After the limit is mentioned, the US dollars can be withdrawn or exchanged.

4. Precious metal quota increase method

ICBC online banking, use a savings card for precious metal transactions, deposit about 2,000 points for precious metal transactions, buy paper gold and call to apply for a fixed increase within 3 days Quota, the reason is large consumption or decoration materials.

5. Pledge Amount Method

There is a saying in the bank called "net assets within the bank". This net asset within the bank does not care about your liabilities from other banks, so it is completely possible. Misappropriate funds from other banks to create temporary asset accumulation.

The following are the essentials for raising the pledge amount:

(1) Transfer 100,000 yuan through other banks’ credit cards (preferably own funds) and deposit it into the ICBC savings card account.

(2) Open a financial management account and spend 1 to buy ICBC financial products (the time is suitable for about half a year, at least 3 months)

(3) After the financial management purchase is successful, You can use this financial pledge to apply for new capital loans.

Finally, I wish you can raise your quota as soon as possible.

It takes more time to increase the limit of ICBC credit card, but it is relatively easy to do it well. The following is the method of increasing the limit listed by the author and what needs to be paid attention to:

1. To improve service stars and contribution stars, the basic method is flushing, that is, depositing several times more of the fixed amount and consuming continuously, preferably through transactions with points.

2. Recharge more, and then call ICBC directly. You can say that you want to travel abroad, but the credit limit is not enough, and you want to apply for a credit limit increase.

3. Submit more property certificates, such as real estate, car ownership, etc.

4. Apply for a savings card at ICBC, and deposit more money into it. The more you save, the better. It is best to choose an ICBC card for your salary card. The salary is preferably more than 5,000, and the check-in time is preferably 4 months. Above, the increase is significant.

5. It is an industrial and commercial mortgage. It is recommended that you try to place your mortgage with ICBC when financing, and repay it in half a year. It is best to apply for a credit card at an ICBC branch after one year, with a limit of at least 100,000, and then The cost of applying for a credit card from other banks is not too low, starting at least 50,000.

6. You have a limit only when you use it frequently. Use your credit card more often and spend more time offline, shopping, eating, etc. These are all paid with a credit card. It is best to use up the limit and use it for a while before going back. When applying for a quota, you can say that your consumption level is high and the quota is not enough.

7. Pay in multiple installments. No matter what you buy, if you can pay in installments, choose to pay in installments, but the installments should not be too long. The longer the installment is used up, the higher the handling fee will be. Never be late when repaying your loan.

8. Apply for more loans from ICBC, maintain good credit, and apply for a limit increase from ICBC after accumulating a good repayment record on your credit card. The success rate is high.

I hope the above credit limit raising methods can help everyone. If you want to quickly increase your credit card limit, it is essential to use more and spend more. While increasing your credit card limit won't do much in the short term, it may help a lot in the future when you need a larger sum.

ICBC has the largest customer base. Although it costs a lot to increase the amount, it is relatively cost-effective in the entire financing process. It is best not to overdue your ICBC credit card. If it is overdue for one day, your credit report will be reported. ICBC will not joke with you. It does not give you a time tolerance like other banks. Therefore, you must be responsible and abide by the rules of credit when playing with ICBC. Otherwise you will regret it.

Hello, I am very happy to answer this question. I am Mars. I focus on finance and share knowledge about using cards;

Just recently, Mars’ commercial credit card limit has been raised from 30,000 to 90,000. , tripled once;

As for the question, Mars’s point of view is that it is still easy to increase the credit limit of ICBC credit cards now, compared with before;

In the past, ICBC was in everyone’s eyes There are aunts and cosmic banks. The credit cards they have applied for are also dishonest cards. It is difficult to apply for the card and the limit is small. However, based on Mars’ actual card use experience, there is still room for an increase in the credit limit as long as the card is used correctly; Mars I applied for the card in 2017. The initial limit was 10,000. In 2018, I applied for a manual limit increase and it was raised to 30,000.

Mars doesn’t have any deposits in ICBC. Since Double 11 last year, ICBC has There are also large-scale quota increase activities, and the intensity is relatively strong. 618 is coming, and ICBC's large-scale quota increase activity is coming again. Mars is very lucky to be favored this time. Recently, many friends have received this text message:

"Limit increase! Up to 100,000. Forward this letter to 95588 before June 14th and agree to authorize our bank to query your credit report through the basic financial credit information database for the purpose of raising the limit. Your credit card with the last number XXXX The limit can be increased up to 3 times and up to 100,000 (limited to invited customers), which is subject to our bank’s approval.

Mars is very lucky to have received it these days, and it will be available 2 days after receipt. I received a credit increase text message,

So Mars believes that if you hold an ICBC credit card and wait patiently, the limit increase will not be a problem. The aunt is no longer the aunt. Of course, you still need to do the following simple 3 points:

1. Repay the loan on time,

2. Good consumption habits;

3. Don’t short-change;

Do simple things From these 3 points, I think the ICBC card is still worth owning, and ICBC is currently having more and more activities.

I share my actual card usage with the questioner. I hope it will be helpful to you. Finally, I wish you a happy life!

I used to have an ICBC credit card with a limit of 10,000. I have been using it for many years and it has not increased by one cent. What’s more, my debit card is still a first-class user and I can’t do normal business. It's an ICBC card, and it will be canceled when I get angry

Hello, I am a small card payment student. I have been playing cards professionally for eight years, and my four credit cards have a total credit of 1.16 million.

You are very good. It is easy to see people with three nos in commercial banks holding cards with a limit of 300,000 yuan.

But you will not see people with no three nos holding industrial and commercial cards with a limit of more than 100,000 yuan. Except for those who rely on provident fund to raise their limit, they have The provident fund payment ratio is higher than that of ordinary people, which is already an advantage. Let’s take a look at the actual effects of these bonus raising gestures:

You can’t see it just by logging in to your industrial and commercial APP. The star rating is the service star rating. It means nothing if you buy the card. The star rating we go to the outlet to check is the contribution star rating. This star rating is determined by credit card swiping, precious metal transactions in industry and commerce, and the purchase of financial products. When the accumulated points reach the corresponding star value, in the past, we relied on brushing to win step by step, but now it is of little significance. It is useless to go to the industrial and commercial branch to ask for a quota increase for double 7 stars. People only look at the daily average and Monthly average.

Using a card to raise quotas: The number of invitations to raise quotas for industry and commerce has become active since 2019. There will be an invitation to raise quotas every three months. According to the prompts, the maximum limit is three times and the maximum limit is 100,000. However, Many people have directly increased their quota from 20,000 to 100,000. This process is too long.

Provident Fund Increase: This is an industrial and commercial BUG. As long as your provident fund payment is higher on both sides, your ICBC Financial E-Borrow will increase the amount after submitting the information. The ICBC Financial E-Borrow will be consistent with the available limit of your credit card, so it is indirect. The amount is increased, but there are many side effects. Because your industrial and commercial assets are too low and your card usage is low, if you use this method to raise the limit to over 200,000, it will be reduced to less than 100,000.

In addition to the above three common methods of raising quotas for industrial and commercial businesses, there is no such thing as installment quota raising for industrial and commercial businesses, and there is no way to raise quotas by mail. To raise quotas at an outlet, you can just use the financial management books of industrial and commercial businesses. He doesn’t recognize it. , RV doesn’t recognize it either.

Summary: In the past two years, it has been relatively easy for the industrial and commercial banks to increase their quotas. People with no assets or three types of unemployment can basically increase their quotas to 100,000, which is even crazier than the Agricultural Bank of China in the past.

Note: The industrial and commercial quota increase range is relatively old, and there is no quota increase rule. If you receive an invitation, you will have a chance to increase the quota. If you do not receive the invitation, there will be no chance. One year to 100,000, and three years to There are also 100,000 yuan, so for business and industry, you can just use cards in a variety of ways, and there are not many precautions.

Maximizing credit card limit is nothing more than swiping multiple amounts, both large and small amounts. Now you can bind mobile payment to make swiping more convenient. Take the initiative to raise temporary quotas and perform various operations!

My feelings about the ICBC credit card limit increase are not very simple and crude. My highest is 6-star ICBC. The card I applied for when dealing with traffic violations was 1K, and it soon reached 50K, but after so many years, I only had 50K.

About credit card chargeback and credit card chargeback method, is it really useful? The introduction ends here. Did you find the information you need?