1, Bank of China can only withdraw the line once a year;

2. It takes more than 6 months for ABC to raise the quota for the first time, and then it can be raised every 3 months;

3. ICBC can apply for withdrawal after issuing the card. Under normal circumstances, you can apply for withdrawal every three months;

4. China Merchants Bank needs to apply for a card for 6 months to upgrade the fixed quota;

It takes 3 months for Ping An Bank to issue a card.

6. The first withdrawal time is that Industrial Bank has held the card for more than 6 months; 7. Guangfa Bank can apply for the first withdrawal within 3 months after issuing the card, and the second withdrawal takes 6 months;

8. Bank of Communications and China CITIC Bank do not support the initiative to apply for withdrawal, and the bank needs to evaluate and withdraw the amount to the customer.

China Merchants Bank: If the fixed quota is raised, it will take 3 to 6 months for the first withdrawal and 3 months for the second withdrawal, which means that it can be withdrawn at least twice a year; If the temporary quota is increased, you can apply at any time as long as there is demand, and there is no specific time limit. However, whether it is to increase the temporary quota or the fixed quota, the bank will comprehensively evaluate the customer's card use, and the success of withdrawal will be subject to the audit results.

2. Bank of Communications: Bank of Communications must hold the card for at least half a year. Every month, the bank will evaluate the cardholder's card use time, frequency and repayment on the monthly billing date to judge whether the cardholder meets the withdrawal policy. Withdraw cash if it meets the requirements, and there is no specific limit on the number of times. It is suggested that cardholders diversify their consumption, such as household appliances consumption, catering consumption and supermarket shopping. At the same time, it ensures a good repayment record, which is helpful for credit card withdrawal.

3. Industrial and Commercial Bank of China: ICBC must open the card for at least 3 months, and the system will take the initiative to withdraw the qualified credit card limit from time to time. Cardholders can also apply to the bank for cash withdrawal through ICBC e-Student App, and the success of cash withdrawal is subject to the results of system audit. If there is no limit on the number of times to increase the fixed amount, the temporary withdrawal amount can be up to 4 times in one year, and the number of times the deputy Kaka accumulates in the main card. It is recommended to swipe your card more, spend more, repay on time, and keep a good record of using your card.

4. CITIC Bank: The credit card limit adjustment bank mainly refers to the cardholder's card use, repayment and personal credit information, and there is no unified and fixed time and adjustment scope. As long as the cardholder meets the quota adjustment, the bank will take the initiative to adjust, and if the adjustment is successful, it will send a text message to the cardholder.

How often can the credit card limit of ABC be adjusted?

After the ABC credit card is activated for 6 months, the quota will be adjusted every 3 months. Generally, the first withdrawal of ABC's credit card requires that the card be used for 6 months, and the withdrawal can only be applied after 6 bills, and the next withdrawal interval is 3 months.

For example, the user applied for the credit card of China Agricultural Bank on March 3rd1,and the first withdrawal date was after September 3rd1,and the second withdrawal date was after February 3rd1,and so on.

If you want to withdraw the amount, customers should pay more attention to spending by credit card (it is best to spend more than a dozen times a month, occasionally a few large sums), ensure that the account is active enough, and keep repayment on time (it is best to pay off in full, not always the minimum repayment amount, and never overdue, otherwise don't mention withdrawing the amount, otherwise the amount may be reduced or frozen), and accumulate more good credit, which is helpful for credit card withdrawal.

Also, save more money in the Agricultural Bank to increase personal assets in the Agricultural Bank, and the Agricultural Bank may even take the initiative to increase the credit card limit of customers.

In addition, customers can also try to apply for a second card at the Agricultural Bank. If the credit line approved by the second card is higher, it is equivalent to an increase in the curve. After all, the credit line of the same bank is shared.

How often can the credit card limit of BOC be increased?

Frequency of credit card limit increase in China Bank:

1, temporarily increased: you can try to apply at any time when necessary;

2. Long-term credit enhancement: BOC will make an irregular comprehensive evaluation based on your card use time, consumption, repayment record and credit status, and actively increase the number of credit cards that meet the requirements.

Tips: I suggest you choose diversified consumption and keep a good repayment record, which will help to increase the quota.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

How often does the credit card (debit card) limit increase? How long will it take to increase the quota?

Some banks can apply for increasing the quota immediately after approving the card, and some banks require cardholders to hold the card for 3 months or more before applying for increasing the quota for the first time. Please refer to the rules of the issuing bank for the specific time to increase the limit. The following is the time when the credit cards (debit cards) of banks increase their quotas:

1. Bank of China can only withdraw the line once a year.

2. It takes more than 6 months for ABC to increase the credit line for the first time, and it can be increased every 3 months in the future.

3. After ICBC approves the card, it can apply for increasing the quota. Usually, it can apply for increasing the quota every three months.

It will take 6 months for China Merchants Bank to raise the quota.

5. Ping An Bank can raise the quota within 3 months after approving the card, and it will take 3 months to raise the quota again.

6. If the card holding time exceeds 6 months, Industrial Bank will raise the quota for the first time.

7. Guangfa Bank can apply for increasing the credit line for the first time after three months, and increase the credit line again after six months.

8. Bank of Communications and China CITIC Bank do not support the initiative to apply for increasing the quota, and need to increase the quota for customers after bank evaluation.

How often does the credit card limit increase?

The time to increase the credit card limit is related to the bank:

1. China, industry and commerce, construction, agriculture, Guangfa, Shanghai Pudong Development Bank, China Everbright Bank, etc. You need to hold the card for 6 months before you can apply for withdrawal;

2. Industrial Bank can apply for increasing the quota at any time;

3. Transportation, people's livelihood, China CITIC Bank, etc. Can only be raised by way of bank invitation;

4. General banks stipulate that credit cards need to be used for more than 3 months, and cardholders can apply for cash withdrawal.

In addition, the cardholder needs to use the card frequently and repay it on time in order to withdraw money successfully.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay.

Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

How often can the fixed credit card limit of China Bank be raised?

Bank of China will increase the fixed amount for you from time to time according to your consumption and repayment; You can also apply for temporary quota adjustment through official account of China Bank Credit Card WeChat, Colorful Life APP, online banking, mobile banking and customer service hotline, and BOC will apply for it for you according to your card usage.

The temporary increase time generally does not exceed 60 days. During the temporary increase period, you can apply for extending the expiration time, or you can apply again after the temporary quota expires.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

So much for the introduction of how often the credit card limit is increased.