Everyone knows that when applying for a credit card at a bank, the bank will grant a certain credit limit based on the personal qualifications of the card applicant. The better your personal qualifications, the higher the credit limit you can apply for. At the same time, after the credit card is applied for, the bank will also conduct regular post-loan management and make irregular adjustments based on the cardholder's card usage and credit qualifications. Therefore, even if the limit is only 2,000 when you first apply for the card, there is no need to panic. Today The card editor will share with you some tips to increase your credit limit!

What should I do if my credit card limit is only 2,000?

1. Improve your credit score

Credit Score is an important indicator for assessing personal credit risk and directly affects the bank's approval and setting of personal loans and credit card limits. Therefore, improving your personal credit score is one of the important ways to increase your credit card limit. Specific methods include repaying loans on time, using credit cards wisely, controlling debt ratios, etc.

2. Increase proof of income

Banks usually set credit card limits based on personal income proof, so increasing proof of income can also increase the credit card limit. You can increase your income by getting promoted, applying for side jobs, etc., and provide relevant supporting materials to the bank in a timely manner.

3. Apply for an additional card

If your credit card limit is relatively low, you can consider applying for an additional card. Supplementary cards refer to credit cards that the main cardholder applies for family members or friends, and enjoys corresponding credit limits and benefits. Banks usually set the limit of additional cards based on the credit status of the primary card holder, so you can increase the credit card limit by applying for an additional card.

4. Apply for credit card limit increase service

Some banks provide customers with credit card limit increase services. Apply for the quota increase service online or by phone, and you can get the quota review results in a short time. However, it should be noted that the limit increase service will generally charge corresponding handling fees, and may need to meet certain limit and usage requirements.

In short, as long as the cardholder maintains a good credit record and consumption record, the credit card limit will most likely increase after more than 6 months.