After the credit card is finished, try to spend as much as possible. The more frequently you use it, the higher your loyalty to the bank (as everyone knows).
Two: credit card limit
Use as much as possible. It is best to spend 50%-80% of the amount given by the bank every month for irregular large consumption, and then you can repay normally. These cardholders are usually defined as quality customers. After judging whether the cardholder has a large demand, the amount will be increased as appropriate.
Three: Never generate late fees.
Once the repayment is not timely, it will not only pay a high late fee, but also be recorded in the bank's credit information system and registered in the central bank's personal credit information system. This will not only affect your credit card application, increase the amount and consumption, but also affect your loan application.
Four: Appropriate use of temporary adjustment
Generally, within 1~3 months after the credit card is opened, the credit card will prompt the temporary limit. If you repay the loan in time after using up the temporary line, the bank will think that you really have a high consumption desire and repayment ability, so it will be easy to increase the permanent line.
Verb (abbreviation of verb) dollar withdrawal method
If it is a dual-currency card, first deposit 100 USD for yourself, and then call customer service to apply for an increase. The reason is to go abroad to apply for an increase in the dollar limit. At the same time, the RMB quota has also been applied for upward adjustment accordingly.
Dollars can be deposited directly into ICBC's online bank online. Click on the currency of credit card and US dollar, choose to purchase foreign exchange for repayment, and enter US$ 65,438+000 to return the money in the savings card to the dual-currency card and turn it into US dollars. The more dollars you deposit, the greater the probability of success.
Six: the amount of online precious metal transactions
Go to the bank's online banking, open an account in the wealth management investment column, invest money, trade in it, pay a little handling fee, apply for several transactions by phone, and say that you want to operate precious metals, and the funds are not enough, so I will give you credit.
Seven: provide proof of financial resources
Provide real estate, automobile production, etc. Don't be stingy with all kinds of assets, show them to the bank. Let the bank see your strength, which shows that you have certain spending power and repayment ability! It is said that whoever has deep pockets doesn't like it, there must be places!
There are also some small methods:
1, 25 small credit cards, this is not necessarily 25, we can mention about 25 here. We have always said that if the card is raised centrally, it will be more than 20 per month, and if it is raised centrally, 10 will be more. If it is small, it will be more than 20 per month. We will talk about how ordinary people spend it later.
2. 3 Intermediate consumption shall not exceed 30% of the card limit, for example, your 10000 limit, and generally the limit of 10%-30%, that is, the limit of 1k-3k, which can be handled flexibly according to your own situation.
3. 1 For large consumption, from the perspective of risk control, each credit card can't exceed 60% of the total card amount, such as 10000, with a maximum of more than 6000. If you swipe your card too much, your card will get hurt. You can control this large consumption at 30%-60% of the card amount, but not more than 60%. Just be flexible.
4. Small consumption is generally operated from Monday to Friday, and medium and large consumption is generally operated on Saturday and Sunday or when traveling.