Check the main points for attention when using credit cards:
1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to increasing the credit limit, but may also be suspected of illegal cash withdrawal).
2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether to increase the quota according to the cardholder's consumption record. After the credit limit is increased, you can apply to the bank again for a period of time, about three months, and gradually increase the credit limit.
3. Provide proof of assets income
Actively provide the bank with proof of asset income. The more detailed the proof materials, the higher the income and the higher the credit line approved by the bank.
4. Repay in full and on time
Try to repay in full and on time every month. Repayment is an important item in credit card records. Cardholders should try their best to avoid paying interest beyond the interest-free period due to overdue repayment, otherwise it will not only be conducive to improving the credit limit, but also may stain the credit record.
5. Temporary increase in quotas
If there is a large consumer demand, you can temporarily increase the amount to the bank. The general term is one month, and some banks will take the initiative to increase the credit card limit on holidays. After the cardholder requests to increase the credit line, the bank will determine the final increase range by reviewing the cardholder's consumption demand and past card use records.