handling cash installment in CCB is helpful to increase the quota, but it is not very helpful. If the user has held the card for more than 6 months and there is no debt problem, CCB Credit Card will increase the customer's credit limit as appropriate. Users can also take the initiative to call the customer service phone of CCB Credit Card to inquire about the credit card limit and ask for an increase in the credit card limit. China Construction Bank was established on October 1, 1954. The basic background of the establishment of China Construction Bank is that the People's Republic of China began to implement the first five-year plan to develop the national economy, and large-scale economic construction centered on the construction of 156 key projects was launched one after another throughout the country. In order to manage the huge construction funds, China Construction Bank came into being.

during the twenty years from 1954 to 1978, CCB mainly undertook the responsibilities of centralized handling of national capital construction budget allocation and self-raised funds allocation by enterprises, supervising the rational use of funds, granting short-term loans to construction enterprises and handling basic business settlement.

since the late 197s and early 198s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions. It has successively launched credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans. After more than ten years of reform and development, CCB's various businesses have developed rapidly, and its credit assets and liabilities have increased by dozens of times. From a bank that only manages financial funds and supervises infrastructure appropriations, it has developed into a national professional bank that deals with both financial investment and credit business, not only fixed assets investment credit, but also supporting liquidity loans, both domestic and international financial business, with medium and long-term credit as the main business. [25]

Since the mid-198s, in order to meet the requirements of China's economic and financial system reform and economic development, China Construction Bank has successively opened cash cashier, residents' savings, fixed assets loans, working capital loans for industrial and commercial enterprises, international finance, housing loans and various agency services. By opening all kinds of commercial banking services for the public, the functions of banks have been enriched and a solid foundation has been laid for the transition to modern commercial banks.

From the early 199s, in less than five years, the transition from stand-alone operation to developed and applied bank-wide network including electronic capital settlement system and networked trading of Longka network was basically completed. Construction bank system, general ledger transmission system and e-mail system, and also realized networking with SWIFT system.

1994 was an important turning point in the development of China Construction Bank. According to the government's requirements for the reform of investment system and financial system, China Construction Bank transferred its long-term financial agency function and policy loan function to the Ministry of Finance and the newly established China Development Bank respectively, and began to comprehensively reform its management system according to the requirements of commercial banks.