Whether the banking industry approves the withdrawal of credit cards depends on the comprehensive factors such as the cardholder's use of cards and credit records. There are many detailed reference factors, besides the basic factors such as the number of swipes and the amount of swipes, there are also merchant types and whether there are points.

Among them, cardholders can earn credit card fees for banks and accumulate points for cardholders by spending online in physical stores, which is a good thing to kill two birds with one stone. In this case, supplemented by good card habits, it will naturally increase the quota. If you choose to shop online by credit card, banks with low rates will have less profits, and cardholders may not be able to accumulate points, so it is naturally more difficult to increase the quota.

However, it cannot be said that online shopping consumption must not increase. Just master the following card skills:

1. When shopping online, it is best to choose the online shopping theme joint credit card issued by the bank. Such as Taobao Card and JD.COM Co-branded Card. With such a card, the more credit card points accumulated online, the greater the advantage.

2. To purchase online by credit card, it is necessary to identify the points payment methods recommended by banks, such as Alipay, JD.COM, Meituan, etc. Specifically, it is the points rules of banks.

3. Pay attention to diversified online shopping with cards. For example, choose Taobao shopping, buy food and go to Meituan. This is also a certain degree of diversified consumption, which is conducive to increasing the amount.

4. After spending by credit card, try to give the bank some sweetness in stages, which is also very helpful for subsequent cash withdrawal.