Tips for raising a permanent credit limit with a Bank of Communications credit card:
1. The consumption amount within half a year accounts for more than 30% of the credit limit.
2. The number of monthly purchases is more than 10.
3. There are many types of consumer merchants.
4. Reduce large-scale consumption in wholesale, house and car purchases.
5. Most of the merchants that cooperate with Bank of Communications swipe their cards.
Extended information:
Note:
1. There should be no stains on the credit record
If you want to increase your credit limit, the bank must of course need a perfect credit record. Personal credit record. If you have experienced late repayments or low repayments when using your credit card, the bank may be less likely to raise the limit.
On the contrary, if you maintain a high amount of consumption every month and can pay off the full amount every time on the repayment date, when you apply for a permanent limit increase, the bank will have a very high chance of approval.
2. Use a large number of card swipes to increase your credit limit
If you have already applied for a credit card and want to apply for a permanent credit limit increase, then you need to swipe your card as much as possible during the period of using the card, and try your best to spend as much as possible on food, clothing, housing and transportation. Choose a merchant that accepts credit cards. When you ensure a stable and high consumption record every month, and can repay the loan on time and in amount, the bank will naturally call you and invite you to increase your balance without you having to apply.
If you spend at least 30% of the total credit limit every month and repay on time, the bank will take the initiative to issue an "invitation" to increase the limit of your credit card.
You can reach the limit every month, and then accept every "invitation" to increase the limit. If this happens for 3 months, you can increase the limit. However, some people from the bank's credit card department also reminded that the bill consumption should not exceed the income, otherwise the banking system will consider the cardholder to be a high risk.
Baidu Encyclopedia - Bank of Communications Credit Card