The two Bank of Communications credit cards have a limit of 30,000, which means the exclusive limit is 30,000. If you apply for a multi-length credit card from the same bank with one ID number, the credit limit is exclusive, but it does not exceed the limit of the largest card.

The Bank of Communications credit card limit depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

If you want to increase your credit card limit, you must insist on long-term credit card consumption. It is best to have a credit card consumption limit every month for more than three consecutive months. Do not use it for a period of time and then freeze it for a long time. Try to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you are suspicious of a credit card withdrawal, and it will be difficult to raise the limit.

We must persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

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