Know clearly the bank transfer method

Temporary credit card transfer-the cardholder applies for a temporary credit line for the first time after successfully applying for a credit card for the first time. Most banks stipulate that it takes three months to open the card, so just call the customer service of the credit card center to apply. Generally, the temporary credit line is valid for 3-9 days.

permanent credit card transfer-after the cardholder successfully applies for a credit card for the first time, he applies for permanent credit card transfer for the first time. Most banks stipulate that it is necessary to open the card for six months, and just call the customer service of the credit card center to apply. The bank will decide whether to approve the permanent credit card transfer and give the withdrawal range according to the personal credit card usage.

time point of bank's active quota adjustment

Due to the increasingly fierce competition in the domestic credit card market, most banks have entered the era of intensive cultivation from staking operations, and it has become a strategy for banks to actively increase the quota for normal credit card holders. Usually, banks will take the initiative to increase the credit card limit for cardholders before the peak consumption periods such as New Year's Day, Spring Festival, May Day and Eleventh. In addition, if the monthly consumption amount of your card often reaches 6%-1% of the usage amount, the bank will generally take the initiative to raise the amount for you according to the usage situation.