What is the reason why the credit card limit has not been raised? If you want to crack it, use these tricks

Nowadays, many people use credit cards when making purchases. Credit cards can be said to play a very important role in people's lives. It is precisely because of the importance of credit cards that many people hope that their credit limits will continue to increase when using credit cards, but some people's credit card limits never increase. So, what is the reason why the credit card limit has not been raised? What to do?

What is the reason why the credit card limit has not been raised?

1. Infrequent use

If you want to increase the limit of your credit card, you have to use it frequently and spend more of the limit on your credit card, so that the bank knows that the limit on your credit card is not enough. Meet what you need now. And if you don’t use your credit card often, the bank will naturally not increase your limit, and may even reduce it.

2. Excessive overdraft of the credit card limit

Although swiping the card more will help to increase the credit limit, you should not overdraw the credit card limit. If the card is emptied, it will also be detrimental to your credit card limit. Yes, it is best to ensure that there is about 20% of the limit in your credit card.

3. Do not handle installment business

Banks can make profits by charging handling fees for credit card installment business. If you never handle installment business for your credit card, then it is It’s not conducive to increasing your credit card limit.

4. The merchants you consume from are too single and are not point merchants

If you want to increase the limit of your credit card, the types of merchants you consume must be diversified. If you have been in the same type of merchants, It is naturally not conducive for merchants to increase their credit limit when swiping their cards, and some purchases by merchants do not count points, such as real estate, production and wholesale, etc. Spending at such merchants is also not conducive to increasing your credit limit.

What should I do if my credit card limit has not been raised?

1. Use more credit cards

If you want to increase the limit of your credit card, the first thing you have to do is to use your credit card more and make more purchases, preferably every month You can have stable consumption, and the consumption limit should preferably be more than 50% of your credit card credit limit.

2. Appropriate handling of installment business

Installation is another factor that is conducive to increasing the credit limit. Therefore, when repaying a credit card or conducting transactions with a credit card, you can make adjustments according to the situation. Staging appropriately.

3. Maintain good credit

In fact, if your credit card limit has not been raised, it may also be related to your personal credit. You must repay it on time when using your credit card. Make sure to avoid overdue payment, otherwise it will definitely affect the credit card limit increase.

The above is the answer to "What is the reason why the credit card limit has not been increased? What should I do if the credit card has not been increased?" If you have been using a credit card for a long time but have never mentioned the card limit, you can see if it is due to the above reasons, or you can use the summarized methods to solve the problem of the card not raising the limit.

Is the CITIC credit card limited to 2,000 per month? See here for the cracking method

CITIC Bank has also strengthened risk control. Many cardholders’ credit cards have not been reduced or blocked, but their credit cards have been limited. They can only spend 2,000 yuan per month, which is very uncomfortable. , no matter how high the limit is, it is just a decoration. So, is there any way to lift the limit? Let’s discuss it together below.

Many CITIC credit cards have a monthly limit of 2,000. This is due to the lack of standardized card use. Generally, they use the card too unscrupulously and have no respect for the bank. They can use whatever they want, no matter what. Regardless of the bank's feelings, and even worse, if the card has been swiped but not repaid, the bank's limit is just fine.

So, how to crack the limit on CITIC credit card?

1. Change your past, standardize your card use, diversify your consumption, repay your debt on time, and regain recognition from the bank, and your credit card will be lifted. However, this cannot be done in the short term. You must continue to use the card for at least 6 months, and you must actually use the card to have a chance to cancel it. Unless you file a complaint with the bank, if successful, it may be lifted quickly.

2. Threaten to cancel the card or cancel the credit card without lifting the limit. Sometimes the bank may take advantage of it, but it may not be effective. After all, many banks have passed the time of blindly pursuing the number of card issuances. , now all existing customers will be screened to eliminate non-compliant users. Maybe they still want it after you cancel the card.

The above is the relevant introduction of "CITIC Credit Card is limited to 2,000 per month".

In short, the CITIC credit card is limited to 2,000 yuan, which means that the cardholder's credit card has been risk controlled by the bank. Although he cannot make large purchases, at least the credit card can still be used, which is not bad compared to having his card blocked.

What does rigid credit card deduction mean? How to crack it?

Many cardholders have always used their credit cards in a standardized manner and their debts are not very high. However, their application for a limit increase was rejected by the bank, or even reduced by the bank. This may be due to rigid deductions. Since many people do not know much about rigid deductions, here is a brief introduction to the relevant content.

1. What does rigid credit card deduction mean?

According to regulatory regulations, when a commercial bank approves credit card credit or adjusts the credit limit, it must also take into account the credit limit obtained by other banks, that is, it must be based on the total credit limit approved by the bank. Subtracting the total credit limit obtained from other banks is a rigid deduction. If the maximum credit limit is greater than the limit after rigid deductions, there is room for an increase; otherwise, the limit cannot be increased.

For example: If the maximum credit limit approved by China Construction Bank for Ms. Li is 80,000 yuan, Ms. Li’s CCB credit card has a credit limit of 20,000 yuan, there are also three bank credit cards, and the Agricultural Bank of China has a credit limit of 20,000 yuan. , CCB's credit card limit is 10,000 yuan, and Ping An's credit card limit is 20,000 yuan, then Ms. Li's rigid deduction limit is 70,000 yuan, so there is still room for an increase of 10,000 yuan.

2. How to break the rigid deduction of credit card?

In fact, rigid deduction means that the total credit limit is too high, and there is only one way to solve it, which is to reduce the total credit limit, which is consistent with the reduction measures taken by many banks. However, if you reduce the credit limit by yourself, you usually need to pay off the balance of one or several approved cards before canceling it. The total credit limit is reduced and the rigid deduction limit is increased.

One thing to note is that when canceling a credit card, you need to choose whether to cancel the card or cancel the account. If there is only one card in your name, it is recommended to choose to cancel the account, and if you have multiple cards, choose to cancel the card.

How to solve the problem of insufficient comprehensive credit score for credit card limit increase

Card friend Xiao Wu is very depressed. He has obviously worked very hard to swipe his card, but his application for a limit increase was rejected by the bank and only gave him An explanation of "insufficient comprehensive score" was given. What are the reasons for this situation? Today I will teach you how to solve the problem when the overall score is insufficient when the quota is raised.

First, let’s analyze the reasons for the insufficient comprehensive score:

1. Exceeding the limit: accidentally using the bank’s hidden limit and failing to repay on time.

2. Overdue: The loan has not been repaid beyond the repayment period or the repayment amount is less than the minimum repayment amount.

3. The limit increase period specified by the card issuing bank has not been reached;

4. The proportion of online consumption is too high, suspected of online cashing out;

5. Single consumption , often cashing out large sums at the same merchant type;

6. Multiple minimum payments in a row, poor repayment ability;

The above 6 items are roughly what the bank gives If the comprehensive score is insufficient, of course, if you want to solve it, you must take the right medicine.

Let’s take a look at how to solve the problem of insufficient comprehensive score:

1. Keep abreast of the usage of credit card limits. If the over-limit is used, be sure to pay off the over-limit before the over-limit consumption is recorded. The amount of the limited portion.

2. If the balance is overdue, you must pay off the balance, continue to use the card for 6 months, develop good card usage habits, and then apply for a limit increase.

3. Understand the credit card limit increase cycle of the issuing bank. Some banks stipulate that a new account can only increase the limit after spending half a year after applying for the card, and the next limit increase must be 3 months or half a year later.

4. Don’t always consume online. Occasionally go offline to swipe your card for consumption, such as watching movies, eating, etc. Try to swipe your credit card in places where you can swipe your card.

5. Consumption must be diversified, which mainly means that the places and industries where you swipe your card for consumption should be many and wide. It is best to make more than 30 transactions in a month, so that it is easier to apply for a limit increase.

6. The minimum repayment is not impossible, but it is still recommended that if you have the ability, it is best to repay in full, or occasionally make installments, which will help improve your score.

Summary: To put it bluntly, when the credit limit is increased and the comprehensive score is insufficient, what you have to do is to maintain the card well, and occasionally let the bank make some money while maintaining the card. Over time, the comprehensive score will naturally increase. It’s hard for a bank not to raise your limit~~

Crack the “black room” of credit cards. If you want to raise your limit, you have to use the card in this way

Many people know China Merchants Bank Credit cards have "small dark rooms" and "big dark rooms", but in fact credit cards all have so-called "black rooms", but China Merchants Bank's is particularly easy to distinguish.

If the China Merchants Bank credit card cannot be installmentd, it will be a "big black room". If there is no limit increase or temporary limit for a long time, it will be a "little black room". Most banks do not have big black rooms, because installment is also a way to generate income, so there are no restrictions.

It is normal not to raise the limit on your credit card, but if you do not raise the limit for a long time (more than two years), you should consider whether you have entered the "black room" of the bank.

Generally speaking, it is easy to enter the bank's "little dark room" under the following circumstances

1. Receive a reminder text message from the bank regarding standard card use. (Has entered the dark room)

2. Cash installment using credit card.

3. The card has been empty for a long time, and the debt ratio can be found in post-loan management to exceed 70%.

4. Use credit cards to cash out, especially those from merchants without points.

If you have entered a "little dark room", don't panic. Check the situation yourself first. After avoiding it, you can quickly get out of the "dark room" by using the method below.

In the second situation, you will enter the dark room for a while, but it will not last long, and you will come out when the time is up.

The third situation recommends selective installment of credit cards, because the People's Bank of China bases its credit report on the bill amount reported by the credit card. After installment, the repayment amount in each installment will be smaller, and the reflected debt ratio will be lower. .

For the fourth situation, please take a look at the table below first

The third-party payment acquirer corresponding to the bank in the above table does not have points. Huishang Bank only this month The announcement will come into effect on July 1.

If you hold the above corresponding bank credit cards and are using a brand machine without points, and have not been given a credit limit for a long time, you may consider switching to another brand and changing your card usage habits and methods.

After finding out the reasons for entering the dark room and avoiding them, let’s talk about how to get out of the dark room.

The logic of getting out of the black room is very simple, which is to contribute to the bank.

Method 1: Installment! Everyone knows this. You can participate in installments when banks are doing activities. Bank activities are usually 50-90% off. You can divide it into 3 or 6 installments. If the installment is too long, the cost is high, and some banks The repayment ability will be questioned, but after China Merchants and Guangfa enter the "big black room", they will not be able to make installments, so the following method needs to be used.

Method 2: Withdraw cash! Many people will ignore this, but it is indeed a very useful method to break into black houses. You don’t need to withdraw more cash, just 2,000 (PS: most older ATM machines can withdraw up to 2,000 for a single transaction). One-time bill according to the situation Just take it out two or three times. After taking it out, you don’t have to wait for the bill to come out before paying it back. The bill is paid in advance.

Method 3: Purchase products from the installment mall! Don’t think that buying products from the installment mall is more expensive. Some popular digital products have just been released. Bank installment malls often have them in stock due to their brand channels, and they are interest-free. Calculated, they will not be more expensive, but please pay according to your needs. To purchase, just buy some products according to your current needs, there is not much difference.

In addition to the above methods, you can also contribute by purchasing bank financial products. However, this is not cost-effective for most cardholders who have already entered the dark room. You can decide according to your own situation. .

Using the above method, you can usually get out of the black room after two or three installments of bills. I know that the fastest time to get out of the big black room for investment is half a month.

After leaving the dark room, pay attention to the use of the card. You can increase the limit after 3-6 bills.

Can I still increase the limit if my credit card aggregate limit is high? Try these cracking methods

Many bank credit card APPs have a limit increase button, but when you click to increase the amount, it will prompt "I already hold credit cards in other banks and the total limit is higher." This situation is not going smoothly. Amount increase. You must solve the problem of high credit card aggregate limit before you have the opportunity to increase the limit. Today, let’s take a look at this article’s analysis of “Can I still increase my credit card limit if my credit card aggregate limit is high?”

Can I still increase the limit if my credit card aggregate limit is high?

No, the total credit limit granted by the central bank to each person is limited. Once the credit limit occupied by credit business handled by other banks is too high, there will be no room for an increase. The total credit limit needs to be increased. There are many ways to bring it down.

Many people will think that this can be achieved by canceling the card. Firstly, canceling the card can reduce the number of credit institutions, and secondly, it can release the occupied credit limit. It seems to kill two birds with one stone, but it is not necessarily more applicable. This is especially unfeasible if the credit card has been overdue. Furthermore, it may not be possible to cancel a credit card later, let alone reach the previous limit, so it is better to cancel the card with caution.

It is best to increase the total credit limit by improving personal credit conditions. After all, the total credit limit depends on each person's credit conditions and will be adjusted as the credit conditions change, such as if someone buys a car. For those who want to buy a house, if they have certain assets and economic strength, the central bank will increase the existing total credit limit, and the room for increase will be released.

On the contrary, if the credit conditions have declined, for example, many new loans and credit cards have been added, the personal debt ratio has increased, and the income has not increased, the total credit limit will be reduced, but the aggregated limit has not been reduced. There is even less room to increase the amount, and naturally it is not possible to increase the amount smoothly.

As for how to improve qualifications, in fact, they all remain the same. One is to maintain a good credit record, the other is to increase personal income and assets, and the other is to maintain a low debt ratio. Do these things well. Three points, your qualifications will naturally become better and better.

The above is the relevant introduction to "Can I increase the limit if my credit card aggregate limit is high?" I hope it will be helpful to everyone.

This ends the introduction to cracked credit cards and the reasons why cracked credit card applications are rejected. Have you found the information you need?