The amount depends on the audit regulations of each bank. It has nothing to do with saving money before spending. As for the conditions under which the amount is the secret of banks, we can only speculate. Cancellation of credit cards without owing money will not have adverse effects. If you cancel the card just after you apply, it will be considered by some banks as a malicious card, but it is no big deal.

In addition, I found an online experience post for your reference.

First, it accounts for more than 30% of the total consumption for half a year; As far as I know, this is the basic condition. If this condition is not met, it is difficult to increase the quota even if the following conditions are met; Card friends who want to apply for a raise should pay attention to this.

Second, spend as much money as possible, with an average of more than 20 pens per month 10; The number of consumption pens mentioned here does not include the following situations: in the same business, N pens are brushed continuously in a short time; Attention, everyone, this situation should be avoided as much as possible, especially

The number of swipes is not many card friends.

Third, the types of merchants should be diversified as far as possible: shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment places and so on. Have more daily consumption; Let's see, what are the characteristics of these businesses? That is, all retail merchants, not wholesale merchants; & lt span

Why do banks prefer customers to spend more on retail merchants? Because compared with wholesale merchants, under the same consumption amount, retail merchants create much more profits for banks than wholesale merchants.

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(Remarks: The so-called retail merchants refer to the retail-oriented daily operations and sales; Wholesale merchants, that is, business sales are mainly wholesale)

At the same time, why try to diversify? Because the bank believes that the more diversified the customer's consumption behavior, the more stable the customer's consumption habits; On the contrary, it is not. It's similar to not putting eggs in the same basket. I believe everyone can understand. )

4. Wholesale, house purchase, car purchase and online shopping,

Alipay should be used as little as possible.

Why do you brush less wholesale? It has been mentioned above. Here, let's analyze several other consumer behaviors: buying a house and buying a car is generally a large consumption behavior, which is the same as brushing wholesale. This kind of merchants spend money by credit card, which is large in amount and low in profit, and is not welcomed by banks; Online shopping and AliPay are even more outrageous, and banks are simply zero profits.

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Analysis and summary:

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My experience (I basically have all bank cards, and the total amount has exceeded 300,000; Credit cards have helped me out of the bottom of my life, so I have great feelings for credit cards. I will share my experience with you another day. )

1. Banks with high attention above are: Huaxia, Guangfa, Bank of China,

ICBC, SDB and people's livelihood;

2. The banks that are most concerned about Article 1 are: attracting investment,

Agricultural Bank of China,

China Construction Bank;

3. If you don't use it much, or if you hold the card for more than 9 months, it is possible to raise the amount: CITIC;

I have analyzed this, which may be an individual phenomenon and not universal;

But in this case, it is more likely that:

CITIC Bank didn't give you a high quota at first (probably because the approval was not strict at that time), and you also had credit cards from other banks. These cards are more expensive than those of CITIC. At this time, CITIC Bank will increase the quota for you to use CITIC cards more.

4. It is not easy for the legal representative or general manager of the company to raise the amount: the official explanation of the people's livelihood is that corporate behavior consumption is no longer the consumption category of personal cards);

5. People's livelihood will not be mentioned if the central bank's total credit line is high (above 200,000), because it is no longer the demand for personal card line that the annual income exceeds the credit card.

6. Banks with good system evaluation, but active application may not be approved: CCB, ICBC, CITIC, Transportation, China Everbright and Minsheng;

7. The type of merchants who swipe their cards cannot always be similar to the business scope of their company. Many banks are worried about this.