How to apply for a credit limit increase with China Merchants Bank Credit Card

China Merchants Bank will generally use the card based on your credit card utilization rate and repayment record after the cardholder has used the card for half a year. to adjust the amount again. As long as you maintain good card usage behavior, your credit limit will be increased. If your personal repayment ability and card usage behavior are relatively good and your limit has not been raised, you can actively apply for a limit increase. The following is the method for China Merchants Bank to apply for a limit increase:

Method 1: Cash installment

The fastest way to raise the limit is cash installment. The amount of the cash installment is often greater than the limit. Once you apply for an installment , the cardholder's credit will be negative, and China Merchants Bank will immediately increase your credit limit. However, it should be noted that cash installments require interest, and the interest rates are not low, so it is not recommended to go for cash installments for high amounts.

Method 2: Apply for a temporary quota repeatedly

Apply for a temporary quota, and when the temporary quota is about to expire, continue to apply. If you repeat this, you will find that your quota has improved a lot. .

Method 3: Provide valid financial resources

Provide valid proof of financial resources to China Merchants Bank. China Merchants Bank will give you an increase after review, provided that this proof has not been submitted before

: A credit card will have an initial limit after the card is purchased. As the user's consumption records and repayment records accumulate, the user can actively apply to increase the limit or the system will actively increase the limit for the user. This is called a limit increase. Credit card limits are divided into temporary limits and fixed limits. If the increased limit is a temporary limit, it must be used within the specified period. The fixed quota is permanently valid, and the quota increase generally refers to the fixed quota.

If the user actively applies for a limit increase, or China Merchants Bank invites the user to increase the limit, and the user does not refuse, then China Merchants Bank will review it for 3 days, and will give the result of the limit increase after 3 days. Generally speaking, there is a certain chance of failure when actively applying for a quota increase. When China Merchants Bank invites users to raise their balance, as long as the user does not refuse, there will basically be no failure to raise their balance.

The final credit limit that can be increased by a credit card is subject to the final credit limit of the credit card. The limit increase value notified to the user in the early stage can only be used as a reference.

What are the tips for the fastest way to increase the limit of China Merchants Bank’s credit card?

The credit card limit is related to your job, financial resources, etc. At the same time, once the credit card is issued, the limit is also fixed. If you want Change is not that easy. So, what is the fastest way to increase the limit of China Merchants Bank credit card? Is there any trick to increase the limit?

The fastest way to increase the limit of China Merchants Bank credit card is through cash installment. The key points of cash installment are as follows:

If you want to increase the limit quickly, the best and fastest way is to use When making purchases with a credit card, apply for cash installment. However, it should be noted that the cash installment limit you apply for must be greater than the available limit of your credit card. Only in this way will the bank take the initiative to increase the amount for you, but usually this is a temporary limit. After your cash installment is paid off, China Merchants Bank will evaluate you. If your previous credit record is good, the excess limit will be directly converted into your fixed limit.

For example: Mr. Liu’s credit card limit at China Merchants Bank is 20,000 yuan, and the limit has been used at 10,000 yuan. When Mr. Liu swiped his card for consumption, he applied for a cash installment of 30,000 yuan. After the cash installment is paid off, the fixed limit of Mr. Liu's China Merchants Bank credit card will become 30,00010,000 = 40,000 yuan.

Of course, the above example is after China Merchants Bank’s evaluation found that Mr. Liu’s card usage records were good. At the same time, the final result is still subject to the evaluation results of China Merchants Bank.

To sum up, this is the fastest way to increase the limit of China Merchants Bank credit card. I hope it will be helpful to you. In the credit card section, just click

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How to quickly increase the credit limit of China Merchants Bank Credit Card? The editor will teach you these tips

For many credit card novices who are just getting started, China Merchants Bank Credit Card is often their first credit card. When cardholders have a relatively high demand for credit limits, but the newly approved credit limit cannot meet their consumption needs, the question of how to quickly increase the limit of China Merchants Bank Credit Card naturally arises. In fact, it is very simple to increase the limit of China Merchants Bank credit card. It is not a problem to follow the guarantee.

The quick ways to increase the credit limit of China Merchants Bank credit card are as follows:

1. Do not create overdue records.

Only with a good credit record can you have the possibility of increasing your credit limit. Remember to ensure timely repayment. If you really cannot repay in time, or you cannot even meet the minimum repayment amount, you must call China Merchants Bank customer service in advance to explain the reason.

2. Large amounts

This is a necessary way for China Merchants Bank to increase the credit limit. It is best for the monthly card consumption to be more than 30% of the total limit. The large amount swiped by the card proves that the cardholder is highly dependent on the credit card.

3. Frequent consumption

As long as the card can be swiped, no matter how big or small the amount is, swipe the card for consumption. If the average monthly card consumption is more than 20, it will definitely be easier to apply for an increase in the credit limit of China Merchants Bank Credit Card.

4. There are many merchant types

You can spend money in as many merchant types as possible, such as shopping malls, supermarkets, gas stations, restaurants, hotels, KTV, travel, etc. If merchants are tired If your sex is too single, it is easy for the bank to think that you are suspected of "cash out".

5. Withdraw more cash

Withdrawing cash is another shortcut to increase the credit limit of China Merchants Bank Credit Card. Within the scope allowed by the bank, the bank generally encourages cardholders to withdraw more cash. If the cardholder withdraws more cash, the bank will charge more corresponding handling fees. This form of cash withdrawal can make a direct contribution to the bank and benefit the bank directly.

After reading the tips given to you, I believe that card friends are no longer confused about how to quickly increase the credit limit of China Merchants Bank Credit Card. In fact, if you want to increase the credit limit of China Merchants Bank Credit Card, the key is to convince the bank that you have the assets and need to increase the limit, and to make the bank feel that it is beneficial. After mastering these tips, it is not difficult to increase your forehead quickly.

What are the methods to increase the limit of China Merchants Bank’s credit card?

What are the methods to increase the limit of China Merchants Bank’s credit card? China Merchants Bank likes to look at the number of purchases and is not sensitive to large purchases. It tries its best to change the consumption method to card consumption. Moreover, China Merchants Bank's credit cards are easier to maintain. The bank will also take the initiative to increase the limit. Below, I will introduce to you how to increase the credit limit of China Merchants Bank credit card. method.

1. Adjust the limit through high-frequency and high-rate card swiping

For example, if your card limit is 10,000, and it is not overdue, etc., the limit will always be 10,000. There has been no adjustment for 3 months. The code is an operable code. You can repay more, use high-rate machines to swipe your cards frequently, and then pay out the unpaid bills in installments. After everything is credited, you The limit can be adjusted 80% of the time on your card. If not, you can adjust the limit 100% of the time when the current bill comes out.

2. The intermediary gameplay of the Merchants Card

The intermediary gameplay mainly increases the fixed limit in the short term. Cards with a fixed limit of more than 10,000 can use the intensive card to increase the cash installment limit for up to three months. After raising it, the direct cash installment is fixed at 60,000 fixed and 5,000 temporary. For merchant cards, the maximum number of purchases per month should not be less than 25, do not use the capping machine, and the single amount should not exceed 10,000. If you use the capping machine and consume the installment immediately, this will not affect the overall score. Make more use of installments, cash advances, cash installments, etc. The purpose is to send money to the bank and increase the overall score. Generally, bill installments are mainly used. The bills come out and are divided into three installments. Three tranches are the most cost-effective tranches. The amount should not exceed 30% of the total consumption of the month, and should not exceed 50% at most. You can make some appropriate cash advance loans, but the investment promotion system changes a lot, so use the two comprehensive scoring methods of cash advance loans and cash installments with caution.

3. Temporary additional limit increase technology

When CMB credit card holders occasionally need to temporarily increase their credit limit due to insufficient credit limit, they can directly call the CMB credit card customer service hotline to request a temporary limit increase. . The conditions for temporary limit increase of China Merchants Bank credit card generally require holding the card for more than 3 months. At present, China Merchants Bank is the fastest among all card issuers to increase the temporary limit. It can be approved at that time and can be used immediately after approval.

1. Call customer service directly and ask for a temporary extension. Customer service will ask you to cancel your quota and reapply.

2. Enter the website, cancel the temporary limit, and then reapply. However, the conditions for successful temporary cancellation and reapply are: first, the billing date has just passed and the minimum payment has been made. Second, consumption has been relatively strong recently, and credit card consumption has been frequent.

The temporary quota can be adjusted 1-3 times the fixed quota. If the customer service does not agree, you can ask to be transferred to the supervisor, citing reasons such as decoration, travel, etc. If the supervisor does not approve, the attitude can be relatively tough. . If the fixed application cannot be applied and the previous temporary quota has not expired, you can reapply for the temporary quota (100% of the time will be passed), and then the time will be recalculated for one month, and then you can call to add the temporary quota! This is equal to the temporary quota and There is no difference with the fixed amount, you can use it for a long time.

4. Strategic limit increase

1. Spend 15 times a month; 2. Pay the minimum repayment every month; 3. Need to withdraw cash 2 to 3 times a month; 4. Appropriately available It is not advisable to make a small installment and not make too many installments; 5. You can choose to incorporate appropriate Hong Kong dollar donation transactions; 6. China Merchants Bank's quota increase system automatically screens customers for automatic quota increase at regular intervals and calculates their automatic quota increase time period.

There are four ways to increase the credit limit of China Merchants Bank’s credit card. Generally speaking, the number of credit card swipes can be maintained at more than 20 per month in the past six months. It is best if small-amount consumption accounts for the majority to satisfy the bank’s requirements. A point requirement. In addition, if China Merchants Bank takes the initiative to increase the limit, it is best to increase the US dollar limit for overseas consumption. In fact, when your US dollar limit increases, your RMB limit also increases.

That’s it for the introduction of how to increase the limit of China Merchants Bank’s credit card.