1. The term curve withdrawal is a word coined by many credit card holders. If the cardholder is not satisfied with the current credit card limit, the standard practice is to call the customer service phone of the credit card center of the issuing bank to ask for a higher limit. Curve withdrawal is the opposite of this behavior, and other methods to increase the credit card limit are adopted without contacting customer service.

second, reason:

the success rate of calling customer service to ask for an amount increase is not high, and the amount increase is not large. After receiving the cardholder's request for withdrawal, the bank will consider many factors for review. Even if it is approved, the withdrawal amount will generally not exceed 5% of the cardholder's current credit card limit.

3. Method:

After using a bank's credit card for a period of time, the cardholder applies for another credit card from that bank. Because the cardholder already has a credit card account in the bank, it is easier to pass the examination and approval, and there is a very high chance of granting a credit line 2-5 times higher than the first credit card. On the surface, it seems to be applying for a credit card, which actually achieves the purpose of increasing the credit limit.

for example, the first card has a quota of 5,, and then you apply for a second card at the same bank. If the quota is higher than the previous one, the curve is successful; otherwise, the quota is enjoyed and the withdrawal fails.

expanding information

skills of increasing credit card quota:

1. Continuous and frequent credit card spending

Sustainability means that after owning a credit card, you should insist on long-term credit card spending, and it is best to generate credit card spending quota every month for more than three months in a row, instead of using it for a while and then freezing it for a long time.

Frequent spending means spending money by swiping your card wherever you can, regardless of the amount. The more times and businesses you swipe your card, the better. If you swipe your card at one time, it is easy for banks to think that it is suspected of withdrawing cash by credit card, and it is difficult to withdraw the amount.

second, pay attention to the amount of credit card and temporary withdrawal

pay attention to the amount of credit card and make full use of temporary withdrawal.

third, stick to the application and seize the opportunity to apply

stick to the application and seize the opportunity to apply, two-pronged. For credit card users, you can insist on applying by telephone to increase the credit card limit, because different customer service or staff members have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed, and the record left by insisting on telephone application will also help to apply for the amount increase in the future.

Reference: Baidu Encyclopedia: Curve Lifting.