The following methods can quickly increase the credit limit:

1. Frequently use credit cards, no matter the amount, as long as you can swipe the card, you will definitely swipe it.

2. It is best to generate monthly bill consumption of at least 50% of the total amount.

3. If you need to increase your quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. The bills for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

5. Use less revolving credit, that is, use less of the minimum repayment amount for repayment.

6. The cardholder's repayment ability is an important factor considered by the bank. Repaying the card in full and on time shows that you have good repayment ability, which is a prerequisite for a limit increase.

7. Whether it is your personal salary, newly purchased property, or recently purchased car, etc., you can use it to prove that your personal assets have increased. Submit this information to the bank, and they will consider you as a potential user. It is very simple to increase your limit.

8. Just swiping your card is definitely not enough. If you have money that needs to be saved, it is best to deposit it in the bank where your credit card is located. Let the bank know that you have money and the ability to repay, and you will not "run away" easily. This also allows the bank to automatically provide you with the limit.

Extended information:

Tips for using credit cards

1. Repay in full to avoid recurring interest

Although banks are popularizing credit cards Sometimes, the interest-free period is emphasized, but most people don’t understand the rules of the interest-free period very clearly, and thus spend a lot of money. For example, during the Spring Festival, Xiao Zhang paid 4,000 yuan with a credit card to buy a new mobile phone. When the repayment was made, there was only 3,999.7 yuan in his account. After the bank debited the money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = the remaining outstanding amount of the day * interest rate) . It is recommended that everyone repay the loan in full to avoid greater losses.

2. Temporarily increase your credit limit to avoid maxing out your credit card

In fact, every credit card has a hidden over limit. When you max out your credit card, it is easy to use the over limit. Once the limit is exceeded, it means paying a high over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

3. The minimum repayment amount must be sufficient to avoid late payment fees

In daily life, we often encounter problems with capital turnover. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees. ?

Reference material: Credit card limit-Baidu Encyclopedia