How is the credit card quota cleared?

What does it mean that ICBC sent a message saying that my credit line has been reduced to yuan?

ICBC sent a message saying that my credit line was reduced to yuan because the credit line was cleared. There are two reasons for clearing the credit line: 1. No transaction has occurred for more than 6 months; 2. There is a record of late repayment of credit cards or loans, and the credit funds are used for non-daily consumption transactions.

increasing personal credit

the order of credit granting is very important. Generally speaking, first capture enough credit cards, then increase hard assets, such as real estate, and then use hard assets to push down bank credit. When funds are tight, only go to small loan companies, such as borrowing, micro-loans, etc. If you have good conditions, you can also do both, credit cards and credit at the same time, and quickly create personal credit lines.

2. the importance of credit investigation. Ordinary people can only borrow money through banks and small loans, and each sum is shown on the credit report, which is equivalent to a personal financial resume. A good credit report can pry the door of banks, and the bank's credit requirements are higher than those of small loans, so small loans should not be used easily. In the process of cultivating credit, there should be no excessive debt ratio and debt amount to prevent bad credit report caused by overdue.

3. Make yourself look "rich". Banks are too poor to love the rich, so they should be good at packaging themselves, including but not limited to work units, jobs, social security accumulation funds, income levels, deposits, insurance policies, RV, etc. The better the qualifications, the higher the credit line, and don't be discouraged if the qualifications are poor. Banks will also give low-to-medium credit lines, such as credit cards, which are the first pot of gold that banks give you.

4. Understand that banks apply for cards to occupy pits according to their own conditions. Those with poor qualifications are given priority in applying for credit cards from small businesses. First, they will raise the amount of credit cards, and then they will apply for platinum cards with high amounts, so as to realize the counter-attack of the amount of credit. Then they will use cards to get credit cards from local banks with outlets. Ordinary people will start to struggle after holding cards from 1 banks, which will quickly increase their total credit.

5. Training quota. 3. No personnel, with a quota of 2, a year. Ordinary office workers, 4, a year. High-quality office workers, 6, a year. People who have a house and a car have a quota of 8, a year. These people default to white households, and the quota only includes a fixed quota, and it is a conservative estimate, and there is still a chance to get hundreds of thousands of installment quotas.

as long as the method is proper, the quota will keep rising.

what should I do if the credit card limit is zero

I have the credit card, but I don't know whether to cry or laugh, because the credit card limit is actually zero. Then the question is, since there is no quota, why do you have to pass the examination and approval? Why do you have to issue a card? What is the impact of zero credit card limit?

credit cards have different credit limits according to different grades such as general card, gold card and platinum card. According to the qualification of the applicant, the bank finally decides whether to approve the card and how much to approve it after a series of examination procedures.

preferential express delivery

1. Analysis of the reasons for zero credit card quota

1. Banks need to prevent and control risks

The minimum credit card quota for most banks is between 2, yuan and 3, yuan. However, in recent years, the bad debt rate of credit cards has increased, which has sounded the alarm, strengthened control on the approval of credit card quota, and adopted a low-quota card issuance system for some marginal customers to reduce the occurrence of overdue repayment or even non-repayment. In order to prevent and control risks, banks will reduce the card quota as much as possible, or even directly reduce the card quota to zero.

Warm-hearted introduction

2. Seize the market, complete the task of issuing cards, and control the credit line

In recent years, the competition among banks is also fierce. In order to retain potential users and seize the market quickly, some banks will issue zero-line credit cards to applicants with poor qualifications. The emergence of low-limit credit cards is due to the pressure of credit tightening, and banks want to complete the task of issuing cards, so they come up with such a method: issuing low-limit credit cards not only completes the task of issuing cards, but also controls the credit line. Only by saving money and spending can cardholders gradually increase the amount. On the one hand, it can increase the number of users, on the other hand, it will not increase the bad debt rate of banks due to the rapid surge in card issuance, which can kill two birds with one stone from the bank's point of view.

second, how to deal with the zero-line credit card

The zero-line credit card is essentially a credit card, and you can fully enjoy the rights and interests that this credit card can enjoy, such as merchant discounts and points discounts.

then, in order to increase the credit limit, cardholders can save money and spend money on their own credit cards, and maintain a certain frequency and amount of credit cards. After three to six months, the credit card limit will naturally increase. Iii. Reminder

Even with zero credit card, there is still an annual fee. If the number of credit card spending in the first year after activation does not meet the specified number, the bank will charge an annual fee. Moreover, before obtaining the credit line of this credit card, the cardholder must first save money and then swipe the card to spend, and gradually accumulate the credit line. After you have the overdraft limit, you must remember to repay the loan or pay the annual fee in time, otherwise the personal credit report will be "stained" and the loss will outweigh the gain.