how do I apply to increase the credit limit of postal credit cards?

The methods for China Postal Savings Bank to apply for increasing the credit card limit are as follows:

1. Permanent limit adjustment: When a credit card holder needs to increase the credit limit, he can call the credit card customer service hotline, and China Postal Savings Bank will handle the demand for permanent limit adjustment in time according to the credit card status and credit standing of the cardholder.

second, temporary quota adjustment: if the credit card holder has a large consumption demand in a short period of time, he can call the credit card customer service hotline and ask for a temporary quota increase, which meets the conditions for temporary quota adjustment, and the temporary quota adjustment can be realized within 24 hours. The temporary credit line is valid for 3 days, and the credit line will be automatically restored to the original credit line after expiration.

China Postal Savings Credit Card Limit Rules: China Postal Savings Bank will verify the credit card limit according to the information and credit status provided by credit card holders when applying, which is the maximum limit for cardholders to use for overdraft consumption and cash withdrawal. If you hold multiple credit cards issued by China Postal Savings Bank, the maximum credit limit of a single credit card held in the cardholder's name is used as the credit limit, not the sum of the credit limits of multiple credit cards.

How to increase the amount of postal credit cards

There are several ways to increase the amount of credit cards: 1. Use credit cards more frequently to win by swiping the cards. 2. Spend more on credit cards, preferably in diversified merchants, to ensure the amount of credit card spending every month. 3. It is best to generate a consumption record of at least 3% of the total credit card amount every month. If it lasts for more than half a year, the banking system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

The reason why the credit card of Postal Savings Bank can only be processed at the outlets:

Because the outlets of the bank are only responsible for guiding the filling of forms and receiving supporting materials, the final approval is completed by the credit card center. Therefore, it takes about a week for the outlets to submit the application materials to the local branches, and then the branches will mail them to the credit card center of the head office. The credit card center will complete the data review and information check within five working days to decide whether to approve the card and the amount of approval, then make the card within two days, and finally it will take about a week to mail the card to the applicant's reserved address. This series of processes will take about twenty working days. Of course, this is the average level. If Shenka is close to the credit card center, it is possible to spend more than ten working days.

1. Basic requirements for credit card applicants

Principal card applicant: Chinese mainland residents over 18 years old and under 6 years old.

supplementary card applicant: at least 16 years old. Chinese mainland residents under the age of 6.

2. Information required for credit card application

Required materials for master card application: a copy of the applicant's ID card and work certificate are required. Optional materials: any one of proof of financial resources and proof of concern for dealings with our bank.

application for supplementary card: a copy of the ID card of the applicant for supplementary card is required. The relationship between the supplementary card applicant and the main card must be immediate family members.

The Postal Savings Bank has set up a 24-hour customer service hotline 4889558, and dedicated service at 39, bank outlets all over the country. Services include:

1. Notice of marketing activities, with the freshest preferential promotion information at a glance and under control;

2. When calling the customer service hotline to inform of the change of important information such as mobile phone number and address, personal information will be updated in time to protect the rights and interests of users.

3. Main services: activation card; Set or reset the inquiry password or transaction password; Inquiry: Unbilled bills, 12-issue bills that can be inquired, available credit line, available cash withdrawal line, etc. Fax the bills that have not been issued and the bills that have been issued, and reissue the bills that have been issued; Application for loss reporting, card replacement and account cancellation; Apply for or cancel SMS service, and adjust the starting amount of monthly SMS notification; Application for installment payment business; Application for quota adjustment.

is there any way to ensure the success of China Post's credit card withdrawal?

China Post's credit card withdrawal skills: 1. Ensure a good habit of using the card: it is best to apply after using the card for more than 6 months. Generally, the application for withdrawal will be rejected directly after opening the card; Second, brush more water: you can swipe your card many times or once, and spend as much as possible in various physical merchants, while paying attention to decentralized consumption. The more you brush, the higher the success rate of withdrawal; Third, deposit term: deposit a five-year fixed deposit in a peer savings card. The larger the amount, the longer the deposit time, the better; Fourth, always pay in full by installments: although installment is interest-free, it needs to pay a certain handling fee to the bank. After giving the bank some benefits in this way, the amount is naturally not a problem; 5. Recommend by acquaintances: If you don't have any relatives and friends who work in the bank, you can ask the loan officer and salesman to help you recommend, and the recommendation of internal staff can directly double the success rate of withdrawal; Sixth, active consumption abroad: Small partners with consumption abroad conditions can try consumption abroad more, let the bank earn a little money exchange fee, and the cardholders who can frequently consumption abroad have good economic strength, so it is easier to apply for a withdrawal; 7. Withdraw the temporary quota first and then withdraw the fixed quota: before holidays, after withdrawing the temporary quota first, apply for raising the fixed quota when the temporary quota is about to expire, and the bank will withdraw the fixed quota according to the temporary quota already withdrawn, which will be much smoother; Eight, buy wealth management products: bank wealth management products start at 5, to 1,, and those who can have spare money to buy wealth management products will definitely have no problem, and the amount will of course be no problem; 9. Incremental consumption: for example, if you spend 2% of the quota this month and fail to apply for withdrawal, you will try to spend 3% next month and apply again, and so on. Generally, if you spend about 5% for two consecutive months, the success rate of withdrawal will be greatly improved; The last and most important point is to apply persistently.

how does the postal bank credit card increase the temporary limit?

Post Bank credit card to increase the temporary limit: 1. Apply by calling the bank's customer service phone: the application method that is widely used at present. After applying in this way, the bank customer service staff can generally increase the credit limit for the cardholder on the spot after verifying their identity. 2. Apply through online banking: Generally, it can be increased by about 1% on the original basis, but at present, relatively few people apply by this method. 3. Application by the credit card department of the bank: the cardholder needs to provide relevant information such as asset certificates, and the specific amount that can be applied for is not fixed. 1. After the cardholder's application is approved, the amount of promotion is generally 2% to 5% of the existing amount. 2. The upward adjustment period of the temporary limit is usually one billing cycle, that is, one month, and the longest is no more than three months. 3. After the temporary limit expires, the credit card limit will be restored to the original credit limit. 4. No matter which application method is adopted, if the bank has taken the initiative to increase the permanent limit of cardholders in the near future, the bank will not temporarily increase the limit for the time being. When this happens, the cardholder can swipe his card for a period of time, and then ask the bank for a temporary increase in the amount, and generally the application can be successful.

how to withdraw the amount of the postal bank credit card 4

1. During the use of the credit card, you should brush up the amount of the postal bank credit card 4, especially to the merchants who cooperate with the postal credit card, and repay it on time. Can increase the chances of raising the quota.

2. You can choose the installment repayment method, which will make the bank profitable when you use the credit card for large consumption.

3. The credit card has been used for about one year. If there is no withdrawal, you can call the customer service of the credit card and take the initiative to apply to the manual customer service for withdrawal. And say that the quota is not enough.

Let's stop here for the introduction of how to improve the credit card limit of postal service.