How to increase credit card limit
As credit card consumption becomes an increasingly popular way of consumption, low credit card limit has become a pain in the hearts of many credit card users. How to increase your credit card limit?
Methods to increase credit card limit:
1. Frequently use credit cards, no matter how big or small, as long as you can swipe your card, you will definitely use it.
2. It is best to generate at least 30% of the total bill consumption every month.
3. If you need to increase the 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. Continuously call for quota increase applications. Sometimes different customer service applications will be processed differently.
5. Canceling the card without increasing the limit sometimes works.
6. If you intend to deactivate a credit card for a certain period of time, in order to gain territory, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.
7. The time for raising the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out.
8. The bills for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.
Credit card limit review standards:
1. Marital status: Married customers are more stable than singles and are more favored by banks.
2. Professional title and working status: Technical professional title is a testimony of the customer's working ability. Practitioners in industries with higher stability will receive bonus points.
3. Financial ability: Those who provide detailed personal income certificates, stable income, and long-term prospects for income growth will receive higher ratings.
4. Personal housing: Owning a personal housing can also show that the individual has a certain financial foundation and can get extra points.
5. Credit record: If the borrower has had an account with a bank in the past and has often had funds coming in and out, the bank will also consider adding points as appropriate.
6. Education level: Graduate students and above will be rated higher.
Important conditions for applying to increase the permanent quota:
1. The amount should be as large as possible, and the total consumption within six months should be at least 30% of the quota;
2. Make as many purchases as possible, with an average of more than 10 purchases per month, and it is easier to increase the limit when reaching more than 20 purchases;
3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, and entertainment venues etc.;
4. The smaller the amount of bulk consumption such as wholesale, house and car purchases, the easier it will be to increase the limit;
5. The smaller the amount of online shopping, Alipay transactions and cash withdrawals, the easier it will be to apply for an increase in the limit. Check;
6. The types of merchants that use credit cards cannot always be similar to the nature of the business scope of the company.
How to increase the credit card limit
The methods to increase the credit card limit are as follows:
1. Swipe more cards. Use credit cards if you can use them for consumption. Wherever you can swipe your cards, Regardless of the size of the credit card, choose to swipe it. First, the credit card amount is relatively large, and swiping the card enough times can make the bank feel your dependence on the credit card.
2. Appropriate installments. After the credit card bill comes out, you can make appropriate installments. The number of installments should not be too long, so that the bank can make money. It is also easy to increase the amount by making a few large transactions.
3. The credit card amount must be guaranteed every month. It is best to keep the credit card amount at about 40% of the total monthly amount. The more you brush, the better, you must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 yuan a month. This is of course inappropriate. This will make the bank think you are in danger and worry about whether your repayments will be late.
4. Apply to the bank for a temporary credit increase, especially during holidays, it is especially easy to apply for travel reasons.
5. Repay the loan on time without any overdue payment. If you use the card normally, the balance will be raised after 3 to 6 months.
6. Bank installment business should be handled reasonably so that the bank can make some money.
7. The types of card swiping merchants should be diversified and try to cover more than 10 industries, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.
How to increase credit card limit
Quick way to increase credit card limit:
1. Spend as much as possible with credit card: After you apply for a credit card, spend as much as possible The more frequently the card is used, the more loyal the credit card user is to the bank. But the frequency should not be too high.
2. Use up your credit card limit as much as possible: It is best to use up the limit given by the bank every month, and make irregular large purchases, and then be able to repay normally. For these cardholders, banks usually Defined as high-quality customers, after judging whether the cardholder has a larger demand for a larger amount, the limit will be increased as appropriate.
3. Never incur late payment fees: Once you fail to repay on time, you will not only have to pay a high late payment fee, but it will also be recorded in the bank's credit system and registered in the central bank's personal credit report. In the system, this will not only affect your credit card application, limit increase and consumption, but also affect your loan application.
4. Proper use of temporary limit adjustment: Generally, 1-3 months after the credit card is opened, the credit card will prompt you with a temporary limit. If you repay the temporary limit after consumption, the bank will If you think you do have a high desire to spend and the ability to repay, it will be easy to increase your permanent limit.
5. U.S. dollar limit increase: If it is a dual-currency card, first deposit 100 US dollars for yourself, and then call customer service to apply for an increase. The reason is to go abroad and apply for an increase in the U.S. dollar limit. At the same time, the RMB quota has also been increased accordingly.
U.S. dollars can be directly deposited into ICBC online banking on the Internet. Click on credit card, currency USD, select foreign exchange repayment, enter 100 USD, and you can return the money from the savings card to the dual currency card into U.S. dollars. , the more dollars you save, the greater your probability of success.
6. Increase the amount of online precious metal transactions: Go to the bank's online banking, open an account in the financial investment section, invest funds, conduct transactions in it, pay a small handling fee, make a few transactions and call me to apply. I want to operate precious metals, but I don’t have enough funds. Please give me a quota.
7. Provide proof of financial resources: Provide real estate, cars, etc. Don’t be stingy with all types of assets and show them to the bank. Let the bank see your strength and show that you have a certain spending power and repayment ability!
How to increase credit card limit
Customers can adjust their credit card limit through the following channels:
1. Mobile banking customers can log in to mobile banking and go through "Credit Card - Card Go to the "Service - Limit Adjustment" menu;
2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.
Note: The above channels all support temporary quota adjustment and permanent quota adjustment.
(In case of business changes, please refer to the actual situation.)
This is the end of the introduction on how to increase the limit of a credit card and how to increase the limit of a credit card. I don’t know. Did you find the information you needed?