In recent years, Hengfeng Bank has been vigorously accelerating its national layout and working hard to expand overseas business and establish overseas branches. Hengfeng Bank can not only handle various financial loan businesses, but also carry out credit card business. It offers various types of credit cards, including regular platinum cards, co-branded cards, and more. Different types of credit cards are suitable for different groups of people and needs, giving users more choices in enjoying various benefits and discounts. So is it easy to apply for Hengfeng Bank Credit Card? How to increase the limit quickly?

It is understood that Hengfeng Bank currently divides credit cards into two levels, namely gold card and platinum card. The gold card limit is between 10,000 yuan and 50,000 yuan, and the minimum limit of the platinum card is between 10,000 yuan and 50,000 yuan. The initial limit is 50,000 yuan, and the maximum limit is 1 million yuan. The specific limit is determined based on the credit conditions of the cardholder, including but not limited to age, income, personal credit, liabilities, workplace, occupation, and working years. and other reference factors. In other words, the better your personal qualifications are, the higher the card limit you can apply for. If you want to get a credit card with a higher limit, you must optimize your personal qualifications in advance before applying for a card, such as increasing income and reducing debt. etc.

Under normal circumstances, Hengfeng Bank credit card can apply to the bank for a limit increase after 3 months. However, whether the limit increase can be successful depends on the bank’s final approval result, among which the cardholder’s Personal credit report and card usage behavior are important reference factors for raising the limit. Diversified consumption, on-time repayment, and standardized card use are all very helpful for raising the limit. In addition, many cardholders have reported that if they later buy a house, car or other financial products, they can also go to a Hengfeng Bank branch to submit relevant supporting documents, which is also very helpful for raising the limit.

If you still can’t get the limit increase for a long time, you can try to apply for a card through a curve. For example, a gold card can be upgraded to a platinum card in a curve to achieve the purpose of increasing the credit card limit. In addition, it is important to properly control your shopping desires and plan your expenditures rationally in daily consumption, which is very important for both personal finance and credit score.