The permanent credit limit of a credit card is to permanently increase the credit limit of the card, which is opposite to the temporary credit limit.

The credit limit is based on a comprehensive assessment based on the information filled in by the individual when applying for a credit card and the relevant supporting documents provided. When the cardholder needs to use a higher credit limit within a certain period of time due to traveling abroad, decorating a new home, getting married, or having his children study abroad, etc., the bank can provide the service of increasing the temporary credit limit. The range of the increase in the temporary credit limit is generally controlled within a fixed limit. 20%-50% of the credit limit. The increased temporary credit limit is generally valid within 30 days.

Extended information:

Methods to increase credit limit

1. Fully prepare various asset certificates. At the beginning of the application, because you do not have any consumer credit record with the bank, the bank will evaluate your various income assets before deciding how much credit to give you. If you want to significantly increase the credit limit when applying, you must submit all proofs of income, house ownership, mortgage purchase certificates, car ownership certificates, bank deposit certificates or securities certificates to the bank.

2. Fill in the form details carefully. When filling out the application form, pay attention to some small details that affect the credit limit, such as whether you are married, whether your mobile phone number has monthly rent, and whether you have a household registration in this city, etc. If the answer to the above is yes, the bank will greatly increase your credit evaluation based on this, but it is not absolute. It is just that it is relatively easy to pass the qualification review and increase the initial consumption limit application. Consumer credit and repayment credit are still the most important to the bank. .

3. Don’t forget to swipe your card anytime, anywhere. During the period of using the card, make a lot of purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, you will have a relatively stable monthly consumption limit. You just change the original habit of cash consumption to credit card consumption. This shows your loyalty to the bank. The bank's information system will count the frequency and credit limit of your credit cards, and will automatically increase your credit limit in about half a year.

4. Repay your loans on time and maintain good credit. If you owe money, you can only borrow money if you pay it back. Banks also strictly follow this ancient truth. If you don't repay your loan on time, you will definitely have no credit. It is best to pay it back in full instead of just the minimum payment. The recurring interest will make you unable to bear it.

5. Take the initiative to apply for an increase in your credit limit. After using your credit card normally for half a year, you can actively submit a written application or call the service phone to adjust the credit limit. The bank needs approval. Under normal circumstances, it will increase your credit limit within a certain range after reviewing the consumption record and credit record.

Reference materials: Baidu Encyclopedia-Permanent Credit Line

Baidu Encyclopedia-Temporary Credit Line

Baidu Encyclopedia-Credit Line