How to maintain a credit card and increase the credit limit

1. Swipe more cards to enrich the scope of consumption

Continuous swiping is an important aspect to prove your financial strength. Use your credit card frequently, no matter how big or small the amount is, and use your card wherever you can.

At the same time, don’t just swipe your card to buy the same thing, as this will easily be considered by the bank’s risk control as a possible cash-out of the credit card. Normal consumption should include all aspects of food, clothing, housing, transportation, food, drink and entertainment.

If you are still swiping your card overseas, that is even better. Consumption abroad is settled in foreign currency, and repayment is in RMB. For banks, they can not only earn domestic handling fees, interest, etc., but also earn currency exchange rate conversion fees. Of course, banks are very encouraging and welcome, and many banks even launch large-scale discount activities for overseas purchases.

However, it should be noted that using multiple credit cards to spend does not encourage you to spend randomly, but to use credit cards instead when you can pay in cash. Then the cash can be used for current financial management, such as putting it in Yu'e Bao or Wutong Financial Management to earn weekly income, and then withdraw it for repayment when it is close to the maturity date. In this way, you can not only make use of the interest-free period to earn interest, but also "maintain the card", killing two birds with one stone.

2. Small amounts or frequent purchases

Some banks particularly like users who make frequent purchases and small amounts. Therefore, do not be too lazy to swipe your card just because your consumption limit is low. It can show the bank that you are an active and high-quality user.

Of course, some banks prefer large-amount consumption, and it is best to consume more than 80 per month. No matter what, the most important thing is to use your credit card to spend money rationally, and think clearly whether what you want to buy is necessary or optional.

3. Appropriate installments

We all know that the handling fees incurred by credit card installments are very high, and generally we are not encouraged to handle bills in installments. But appropriate installments can also help you increase your quota. Why? Because you make money for the bank, it is difficult for the bank to refuse you as a courtesy.

For those who want to maintain a card, appropriate installments still have some reference significance.

4. Provide proof of financial resources

If you have a high-quality workplace, you can get extra points for the increase, but you can also add more detailed personal information and asset certificates later. To withdraw the amount, such as real estate certificate, driver's license, monetary fund or trust assets and other certificates.

A simpler and more crude way is to directly deposit the funds in the bank's savings card, or purchase bank financing to let the bank know your financial status. It is difficult for banks to refuse such high-quality customers.

5. Take the initiative to apply for a quota increase

Every once in a while, you can call customer service to apply for a quota increase compared to the previous quota increase.

It is easier to get approved if you apply for a limit increase at the following three times:

1. Apply for the first limit increase after using a newly issued credit card for six months. Generally, there will be an interval of half a year between each application for a limit increase;

2. Apply for an amount increase after installment;

3. Apply for an amount increase after a single large-value transaction.

6. Repay on time

Repayments must not be overdue, and do not continue to pay only the minimum repayment amount. This is also an important factor affecting the amount increase, as also emphasized above Can be staged appropriately.

Although banks like to put money where they will make money, they are more concerned about when the money can be recovered. Therefore, only if you repay your loan on time can the above tricks work.

In addition, if your credit card is deactivated for a period of time, the bank will take awakening measures for such users. The awakening measures are nothing more than increasing the limit or providing interest-free installments, etc., so you should also seize the opportunity. .

A complete guide to credit card maintenance skills

1. Repay your debt on time. For credit cards, it is very important to repay on time. In the process of using it, if the user is overdue, it will not only be detrimental to the credit card limit increase, but also affect the personal credit. Therefore, during the use process, users must repay on time and maintain good credit, which is very helpful for increasing our credit card limit.

2. Use credit cards more often.

The main function of a credit card is consumption. Therefore, in the process of daily consumption, where users can use credit cards to pay, it is best to use credit cards to increase the activity of the credit cards. Let banks see that users do have financial needs. In this way, it will be helpful for us to increase the limit of our credit card after a period of time.

3. Reduce the number of withdrawals you make. In addition to consumption, credit cards also have the function of withdrawing cash, but users need to pay corresponding fees and interest. However, in the daily use of credit cards, users are best to reduce the number of cash withdrawals they make. Because if there are too many withdrawals, it is easy for the bank to determine that the user's funds are often in short supply. In order to reduce the risk, the bank is likely to take measures to reduce the amount. This is very detrimental to our card maintenance.

4. Purchase bank financial products. If users have spare funds, they can consider purchasing financial products that go hand in hand with credit cards, so that banks can see the user's financial strength. This is also very helpful for our card maintenance and will help increase the limit of our credit cards.

5. Increase your own consumption types. There are many places where credit cards are used for consumption, such as shopping malls, convenience stores, bars, KTVs, and various online shopping. Therefore, users can use credit cards for consumption in these places and increase their consumption types. This is beneficial to us in maintaining the card. of.

How to maintain a credit card Tips for maintaining a credit card

1. First, control the number and amount of card swipes. You need to swipe your credit card more often to increase your credit limit quickly. Banks issue credit cards to generate revenue. Card swiping fees are an important income from the credit card business.

2. Next, choose the appropriate merchant to swipe your card. Not all merchant card transactions generate revenue for banks.

3. Again, don’t just swipe your card. In addition to swiping the card for consumption, if you want to quickly "maintain the card", it is recommended that cardholders try to handle other credit card businesses, such as credit card cash withdrawals, credit card installment repayments, etc., because these businesses can also contribute income to the bank, of course. Well received by the bank.

4. Seize the right time to raise your quota. When applying for a credit card limit increase, you need to find the right time. It is easier to get approved if you apply for a quota increase at the right time. For example, after a single large purchase accounts for more than 50% of the total credit card limit, immediately apply for a credit card limit increase. In this case, the bank will believe that the cardholder has a high demand for credit card consumption, and the current credit limit can no longer meet his needs, and the credit limit needs to be increased.

How to maintain a credit card correctly?

The correct way to maintain a credit card: 1. Three months after opening the card, be sure to accumulate credit and repay on time. Let the bank be absolutely assured of you. It takes more than 3 months of using the card to increase the bank limit. It also takes 6 months of using the card to apply for a card. These are all used to see your performance. Only the first few months have been good. Only if you have a good credit record, the bank will be able to raise your credit limit and apply for a card with your card.

2. Use POS machines with small amounts and points as much as possible. Only when the bank makes money will the bank increase your balance. The profit sharing of the POS machine is as follows: 7 for the card issuing bank, 2 for the depositing bank, and 1 for UnionPay. Those with points are not capped, and those without points are capped and cannot make money.

3. Repay frequently. The purpose of this is to increase efficiency and increase the utilization rate of funds. The more frequently you swipe and repay the card, the more the bank likes it. Only in this way can the bank feel that the funds are safe and make money. .

4. Friends who want to cash out working capital, read this article. Banks believe that the key to cashing out lies in large-amount consumption - large sums in and out, the overdraft limit accounts for a high proportion of the total limit, and the maintenance period is long, which is a big taboo for using the card. In fact, it doesn’t matter if you want to cash out. This is a problem that every bank cannot solve. The key is not to go too far. My personal advice: Be careful when making large amounts, and the amount should not exceed one-fifth of the total amount. Except for brushing points.

5. Take advantage of every opportunity to brush every day, no matter how big or small. When I buy a bottle of mineral water, I always swipe my card. Why pay electricity bills, water bills, and phone bills? Don’t underestimate these small credit card swiping records, they are very useful for your card usage activity.

The amount of card swiping, the frequency of swiping the card, the type of consumption, the repayment record, and the contribution value of the card? These are the categories that the bank's computer system examines.

6. Make at least two cash withdrawals a month to let the bank earn some interest. Make an installment every two months, and the number of installments should not be too long.

7. Participate in the bank’s preferential points activities.

How to maintain a credit card

Properly maintaining a credit card can increase the bank's credit limit for our credit card. The following methods have been tested over time and are considered the most effective by most senior card owners.

1. Swipe more cards.

2. Control the number and amount of credit card swipes.

3. Get the right credit card.

4. Handle installment or cash withdrawal services.

5. Seize the right time to raise your quota.

6. Make timely repayments.