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 apply to increase the credit card limit?

Increasing the credit card limit generally requires using the card for more than half a year, basically using up the existing limit every month, and repaying the loan in full and on time every time. In this case, some banks will automatically increase the limit. Industrial and Commercial Bank of China State-owned banks like these need to call themselves to apply for a limit increase.

The following methods can increase your credit card limit:

Use your credit card frequently for consumption. The number of credit card swipes must be many and frequent. Spend more, and the bank will increase the limit based on your consumption. .

For high consumption, try to use up your credit card limit every month, and the bank will increase your credit limit based on the actual situation of insufficient credit. If your card limit is 10,000 and you spend 300 per month, the bank will not feel the need to increase the limit.

Apply for a temporary quota. If you need to increase the quota due to short-term needs such as holidays, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

Call to apply. If it doesn’t work once, call again and keep calling to apply for a quota increase. Sometimes different customer service applications will be handled differently.

If the customer service does not accept the limit increase, inform the customer service. If the limit cannot be increased, it is useless to keep it. If the limit is not increased, the card will be canceled. Sometimes it will work.

The time of credit increase is also important. It is most effective to apply on the billing day or when the card has just been maxed out. Especially if you have just incurred major expenditures, such as house renovations, car purchases, etc., the bank will consider making adjustments if they see that your recent consumption is really necessary.

Methods for applying for a credit card limit increase

The ways to apply for a credit card limit increase are: 1. Apply by phone, call the bank's credit card center, and follow the voice prompts to contact the manual customer service to apply for a limit increase; 2. To apply on the official website, log in to the bank's official website, enter the credit card center, and apply according to the prompts on the page; 3. Apply at an outlet, bring your credit card and ID card to a bank outlet to apply, and professional staff will serve you.

If you want to improve the success rate of applying for a credit card limit increase, it is recommended that you pay attention to the following points: 1. The number of credit card swipes, on average, is more than 10 per month. If it is more than 20, it is easier to increase the limit; 2. The amount of credit card swipes, half a year The total amount of domestic consumption must be at least 30% of the quota; 3. The types of consumer merchants are diversified, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment venues, etc.; 4. The less wholesale and bulk consumption such as house and car purchases, etc. The better; 5. The less online shopping, Alipay transactions and cash withdrawals, the better.

How to increase credit card limit?

The application methods for credit card limit increase are:

1. Apply at the counter:

Card holders can bring With your ID card and credit card, go to the business hall outlet of the card-issuing bank and submit an application for a limit increase to the counter staff. Then hand your ID card and credit card to the staff. After review by the staff, if you meet the conditions for limit increase, the limit can be increased immediately. If you do not meet the conditions, you will be told to continue using the card and apply for a limit increase after meeting the conditions.

2. Customer service hotline application:

Cardholders can call the customer service hotline of the credit card center of the issuing bank. After answering the phone, follow the phone voice prompts to transfer to manual service, and then call the staff To apply for a quota increase, provide the staff with your personal ID number and credit card, and wait for the staff to verify your identity. If you meet the conditions, you will be informed that you can increase your quota, otherwise it will be rejected.