Extended information:
At present, there are three ways to apply for the adjustment of the fixed credit limit:
1. You can apply for increasing the credit limit in the voice of the bank's customer service hotline, log in to online banking or call the customer service hotline after holding the card for a period of time, and the bank will apply for it for you according to your past card use;
2. or when your financial level has improved to some extent, you can also provide relevant certificates to the bank (such as the house property, car property, savings certificate of China Merchants Bank, etc.), and fax or mail the financial certificates that were not provided before you applied for the card, including a copy of the real estate license (the real estate license must contain the name of yourself or your spouse or minor children), and the relevant departments will re-examine them according to your new information.
3. Log in to credit card online banking (popular version and professional version), account management-account limit management-fixed limit adjustment-and apply for raising the fixed limit. After the application, it will be reviewed according to your card usage. If you download the Pocket Life, you can use the card * to pay-limit management.
What are the fastest ways to increase the credit card limit
1. Maintain a good credit: the use of credit cards should be repaid in full and on time; Pay back frequently 3 months before opening the card, and pay back if you have money. Maintaining good credit is the basic magic weapon for the fastest increase of credit card limit.
2. There is a trick to the amount of credit card: you want to withdraw the amount if the amount of credit card is too small, and you can't use the amount given to you. Do you expect the bank to increase the amount for you? The monthly bill consumption is at least 3% of the total amount.
3. Frequent card use: the number of times shows the activity level, and the card is frequently used, regardless of its size, more than 2 times a month.
4. continuous consumption: the bill for credit card consumption needs to last for 3 consecutive months, which means that there must be consumption every month. This will ensure that the bank can feel at ease to pay for the increase of your credit card limit.
5. Let banks profit from it: The ultimate purpose of issuing credit cards is to make profits, pay protection fees in appropriate stages; Appropriate cash withdrawal, banks earn interest; Banks can also benefit from participating in activities. Only by making banks profitable, the credit card limit will naturally increase quickly.
6. Diversification of consumption types: consumption types show consumption ability. Whether it is supermarkets, shopping malls, hotels, KTV, bars, tea restaurants; Or refueling, plane, travel, hotel consumption; Consumption in Hong Kong, Macao and abroad can make the credit card limit increase rapidly.
7. Make clever use of temporary withdrawal: You can apply for temporary withdrawal due to short-term needs such as holidays, travel and business trip, which will be easier for approval.
8. Try more to apply for withdrawal: Generally, banks will have a chance to make a successful withdrawal by calling for 3 or 6 months with their cards. It doesn't matter if the amount is rejected, persevere, and sometimes different customer service applications will be treated differently.