How to increase your credit card limit

The methods to increase your credit card limit are: 1. Spend less and more. 2. Frequent consumption. 3. Diversification of consumption types. 4. Repay the loan on time. You can also directly call the bank's customer service hotline to apply for a credit card limit increase. The bank's customer service staff will submit the application after verifying the relevant information. The result will generally be available within 10 working days.

The following is a detailed introduction to credit card limit increase methods:

1. Use small amount and increase the amount. Credit cards that are frequently used for small amounts are more likely to have their balances increased, while credit cards that are frequently used for large amounts are more likely to have their limits reduced. In fact, this is easier to understand. Frequently swiping the card in small amounts is in line with the principles of daily card use. After all, most of the time, the limit when going to the supermarket, eating or other purchases is relatively small. For example, a meal usually costs more than 100 yuan, and a slightly more expensive meal is only about 300-500. It is definitely impossible to spend tens of thousands of yuan at a time.

Another example is going to the supermarket. Most of the time it only costs about 100 yuan to go to the supermarket. If you spend 10,000 yuan but 20,000 yuan at one time, something is obviously wrong.

2. Frequent consumption. The more purchases you make, the greater the demand for your credit card, and the faster your credit card limit will increase. Because the amount required is not large, but the consumption frequency is relatively high.

3. Diversified consumption types. When consuming, the types can be diversified, preferably covering all aspects of eating, drinking and having fun. After all, living expenses themselves are inseparable from these, and they are also relatively common expenses. This is the correct posture for using credit cards, which shows that there is more demand for credit cards.

4. Repay the loan on time. This is very important. You must remember to pay the bills you generate every month after consumption, and you must pay back the money spent on time within the agreed time. You must not let your credit card expire. Maintaining good credit card credit is also key to increasing your credit limit.

For a credit card limit increase, you can directly call the bank's customer service hotline to apply. The bank's customer service staff will submit the application after verifying the relevant information. The result will generally be available within 10 working days. If the bank refuses to increase the limit, it will also notify the applicant. After being rejected, you can continue to apply after 3 months. Note: New cards generally need to be used for more than 6 months before you can apply for a permanent limit increase.

How to increase credit card limit?

The methods to increase the credit card limit are as follows:

1. Swipe more cards. If you can use swipe cards, try to use credit cards. Wherever you can swipe cards, no matter how big or small the credit card amount is, choose to swipe cards. Firstly, The credit card amount is relatively large, and the number of card swipes can make the bank feel that you are dependent on the credit card.

2. Appropriate installments. After the credit card bill comes out, you can make appropriate installments. The number of installments should not be too long, so that the bank can make money. It is also easy to increase the amount by making a few large transactions.

3. The credit card amount must be guaranteed every month. It is best to keep the credit card amount at about 40% of the total monthly amount. The more you brush, the better. You must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 yuan a month. This is of course inappropriate. This will make the bank think you are in danger and worry about whether your repayments will be late.

4. Apply to the bank for a temporary credit increase, especially during holidays, it is especially easy to apply for travel reasons.

5. Repay the loan on time without any overdue payment. If you use the card normally, the balance will be raised after 3 to 6 months.

6. Bank installment business should be handled reasonably so that the bank can make some money.

7. The types of card swiping merchants should be diversified and try to cover more than 10 industries, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.

How to increase credit card limit

Quick way to increase credit card limit:

1. Spend as much as possible with credit card: After you apply for a credit card, spend as much as possible The more frequent the card is used for consumption, the higher the credit card user's loyalty to the bank. But the frequency should not be too high.

2. Use up your credit card limit as much as possible: It is best to use up the limit given by the bank every month, and make irregular large purchases, and then be able to repay normally. For these cardholders, banks usually Defined as high-quality customers, after judging whether the cardholder has a larger demand for a larger amount, the limit will be increased as appropriate.

3. Never incur late payment fees: Once you fail to repay on time, you will not only have to pay a high late payment fee, but it will also be recorded in the bank's credit system and registered in the central bank's personal credit report. In the system, this will not only affect your credit card application, limit increase and consumption, but also affect your loan application.

4. Proper use of temporary limit adjustment: Generally, 1-3 months after the credit card is opened, the credit card will prompt you with a temporary limit. If you repay the temporary limit after consumption, the bank will If you think you do have a high desire to spend and the ability to repay, it will be easy to increase your permanent limit.

5. U.S. dollar limit increase: If it is a dual-currency card, first deposit 100 US dollars for yourself, and then call customer service to apply for an increase. The reason is to go abroad and apply for an increase in the U.S. dollar limit. At the same time, the RMB quota has also been increased accordingly.

U.S. dollars can be directly deposited into ICBC online banking on the Internet. Click on credit card, currency USD, select foreign exchange repayment, enter 100 USD, and you can return the money from the savings card to the dual currency card into U.S. dollars. , the more dollars you save, the greater your probability of success.

6. Increase the amount of online precious metal transactions: Go to the bank's online banking, open an account in the financial investment section, invest funds, conduct transactions in it, pay a small handling fee, make a few transactions and call me to apply. I want to operate precious metals, but I don’t have enough funds. Please give me a quota.

7. Provide proof of financial resources: Provide real estate, cars, etc. Don’t be stingy with all types of assets and show them to the bank. Let the bank see your strength and show that you have a certain spending power and repayment ability!

How to increase credit card limit

Customers can adjust their credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through "Credit Card - Card Go to the "Service - Limit Adjustment" menu;

2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.

Note: The above channels all support temporary quota adjustment and permanent quota adjustment.

(In case of business changes, please refer to the actual situation.)

How to increase the credit card limit

The credit card limit is increased as follows:

1. You can usually use your credit card to make purchases, use it more often, and the total amount you use should be higher. It is best to use up the limit. Some card friends shared that it is best to use the card amount every month to reach the credit card amount. More than 80% of the limit, this will allow the bank to see that everyone has a great demand for credit card limits, which will help the bank actively invite you to increase the limit;

2. If you continue to use it for a certain period of time, you generally want to apply It is best to increase the limit of a credit card by using it for more than 3 months after opening the card before applying for a limit increase. Some banks will refer to longer usage, such as use for more than 6 months;

3. The full amount Repay, use the minimum repayment function sparingly to let the bank see your repayment ability;

4. Maintain a good credit record. On the one hand, credit cards must be repaid on time and maintain good credit card performance. On the other hand, do not have bad credit records in other places where you use credit, otherwise it may affect the limit increase. The purpose of banks issuing credit cards is to make profits, so it is recommended that you occasionally apply for installment business when using credit cards. , allowing banks to earn installment fees, which is also helpful for increasing credit card limits.

Article 4 of the "Social Insurance Law of the People's Republic of China"

Employers and individuals within the territory of the People's Republic of China pay social insurance premiums in accordance with the law and have the right to inquire Payment records and personal rights records require social insurance agencies to provide social insurance consulting and other related services.

Individuals enjoy social insurance benefits in accordance with the law and have the right to supervise the payment of contributions by their units.

That’s all for the introduction on how to increase your credit card limit.