1 Credit card habit, on the one hand, you can use the interest-free period of the bank for free, adding a little extra wealth management income for yourself, on the other hand, it has become an active user of the bank invisibly, and usually the bank will reward the active users of the bank with a quota.

2. High consumption amount

Irregular large-scale consumption, which can be repaid normally afterwards, is usually defined as a quality customer by banks. After judging whether the cardholder has a large demand, increase the credit limit as appropriate.

3. Sustained and stable consumption takes a long time

Generally speaking, for credit cards with cardholders over 1 year and monthly transactions, banks will take the initiative to withdraw the amount. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are greater.

4. Cash withdrawals are frequent, and credit card installment is often done.

Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.