1, often use credit cards, regardless of the amount, as long as you can swipe your card, you will definitely spend.

2. It is best to generate bills and spend at least 50% of the total amount every month.

3. Increase the number of places such as holidays, travel and business trips due to short-term needs. , you can apply for a temporary quota, and approval will be easier.

4. The bill of credit card consumption needs to last for 3 months in a row, and it can't be broken in the middle, that is, there must be consumption every month.

5. Use less revolving credit, that is, use less minimum repayment.

6. The cardholder's repayment ability is an important factor for banks to consider. It shows that he has good repayment ability, which is the premise of cash withdrawal.

Extended data

Matters needing attention in the consumption and use of credit cards

1. The overdraft interest is 0.5 ‰ of the daily interest rate, with compound interest on a monthly basis.

2. Credit card consumption can enjoy interest-free if it is fully repaid before the due repayment date.

If only the minimum repayment amount is paid, there will be no such treatment, and interest will be charged from the day after consumption. If cash is withdrawn, interest is inevitable regardless of whether it is repaid in full before the due repayment date, and it will be charged at the interest rate of five ten thousandths from that day.

4. If it is overdue, there will be a late fee, and 5% of the unpaid part of the minimum repayment amount will be charged at one time.

5. Don't tell others the card number, the last three digits and the expiration date. The CCV code on the back of a credit card (also called the last three codes) is an important element of online transactions.

Refer to Baidu Encyclopedia-Credit Card Limit

The official website of Ping An Bank of China-Interpretation of personal loan quota