Because the initial credit card limit is not high, many users are very dissatisfied with the credit card limit. In order to meet the daily consumption demand, many users want to increase the credit card application platform quota, and even pay off all credit card debts in order to increase the quota. Then, how long can I withdraw my credit card after repayment? Count the factors that affect the withdrawal speed!

First of all, it should be clear that there is no direct relationship between credit card withdrawal and repayment. After all, credit cards do not require users to pay off their debts. However, if you can repay in full and on time every month, the user's repayment ability is no problem, and personal credit will not be damaged because of overdue. So credit card withdrawal needs to refer to many factors:

1, which meets the withdrawal time. The first withdrawal from a credit card is six months after the card is used, and the second withdrawal is six months after the last withdrawal. In this way 1 year, there are basically only two withdrawal opportunities, which does not conflict with the repayment time of credit cards. As long as the card time is up to standard, even if the money is not paid off, as long as there is no overdue behavior.

2. Frequency of credit card use. When banks approve cards, they naturally hope that cardholders will spend more by swiping their cards, thus earning more handling fees and judging users' spending power and demand for quotas. The higher the frequency of card use, the stronger the spending power and the higher the demand for credit line. If there is no transaction for more than 180 days, it is impossible to increase the quantity, and worse, it will decrease the quantity.

3. Personal debt ratio. Including credit loans+outstanding criminal records of credit cards, the proportion of total liabilities shall not exceed 50%, which is the bottom line of banks. Users with too high debt ratio will be considered as having insufficient repayment ability, so there is a high risk of overdue. Of course, banks will not increase the quota for users with too high risk.

4. Total credit line. The central bank has set a total credit limit for each user. No matter what kind of credit business you handle, you will be granted credit within this limit. If too many credit products are handled and the total credit line occupied is too high, banks will not be able to increase the credit card line for users. At this point, the user can only choose to pay off the loan arrears or cancel the credit card to release the line.

In short, credit card withdrawal needs to refer to the above factors in addition to repayment time. As long as there is dissatisfaction, it is impossible to increase the amount.