If the credit card installment limit is not enough, you cannot save money by yourself and then buy it.

1. China Merchants Bank

Chinese Merchants Bank’s credit cards have a relatively high initial limit, and it is relatively easy to increase the limit. China Merchants Bank’s card approval rate is also quite high, and it is easy to apply for a card. . The YOUNG card of China Merchants Bank is worth getting. Not only does it have a generous limit, but as a youth card, the application threshold is not high. Generally, newly graduated office workers or college students over 18 years old can apply.

Second, China CITIC Bank

CITIC Bank has a wide range of credit card types, and the application threshold for many cards is not high, making them easy to apply for. Like the CITIC JD Little White Card, this credit card not only has a high limit, but also enjoys the gold card rights of CITIC Credit Card and the rights of JD Baitiao. Its application conditions are also relatively simple, and anyone with a stable job income can apply. Apply.

3. Bank of Communications

Bank of Communications has always had a good reputation among the public. It is the first choice of many people for their card. The credit card purchase rate of Bank of Communications is also very good. Like Bank of Communications Y-POWER Credit Card, this card not only has a high credit limit, but also has a cash withdrawal limit of up to 100%. It also has various discounts and is relatively easy to apply for, making it a great value.

Banks such as China Merchants Bank, Bank of Communications, and China CITIC Bank are easy to handle and have high credit card limits. China Guangfa Bank also has a high credit card withdrawal rate, and Minsheng Bank’s credit card limit is also very easy to increase. Agricultural Bank of China cooperates with many merchants.

Fourth, when there is difficulty in capital turnover and the repayment is temporarily impossible, the first thing that comes to mind is to apply for bill installments, or directly choose consumption installments and cash installments. However, these installment methods occupy the total credit card balance. credit limit. This means that for some cardholders with relatively low credit card limits and difficulty in raising the limit, the monthly limit is not enough. If they apply for bill installments, the available limit next month will be even less.

For example, if the total credit card limit is 10,000 yuan and you apply for an installment of 5,000 yuan, the 5,000 yuan limit will be frozen, and the available limit next month will be only 5,000 yuan. . Only when the 5,000 yuan is paid off in monthly installments can the credit limit gradually be restored. If you want to use this part of the credit limit in advance, you have to pay off the installment balance at once, which is very troublesome. But in fact, there is another type of credit card installment that does not occupy a fixed limit, which is called extra-limit installment or special installment limit. That is, you choose to repay in installments after consumption, but the installment amount does not occupy the credit limit on the card, but is directly included in the credit card bill. This is actually a disguised limit increase.