1. Personal credit can be accumulated slowly in normal use. For example, operations that can bring benefits to banks, such as spending more, applying for installment or withdrawing cash, are easier to increase the quota;

2. Can provide proof of good economic strength, such as a copy of real estate license and a copy of automobile driving license; Copy of bank loan account or deposit certificate.

The premise of raising the amount is that the credit record is good.

There are several ways to increase the quota:

Temporary limit adjustment. When using a bank credit card, if you find that the approved credit limit is not enough and need to increase the credit card limit, you can call the 24-hour customer service hotline to contact the customer service specialist and apply for a temporary increase in the credit card limit. After the expiration of the validity period of the temporary adjustment of the bank credit card limit, the credit limit will be automatically restored to the original limit;

Long-term credit line adjustment. If the credit card limit of the bank is insufficient, you can call the 24-hour customer service hotline at any time to apply for a permanent increase in the credit limit. The bank will review your past credit card usage records and repayment records, and adjust the credit card limit appropriately for the cardholder after approval.

The longest validity period of the temporary credit line is 1 month, and it will be automatically restored to the credit line before adjustment. Please ensure that the account balance does not exceed the original credit limit before the current billing date, otherwise, you will need to pay the overrun fee.

Generally, the quota can be increased in about half a year.

To increase the temporary quota, the following conditions must be met:

1. Hold the card for more than half a year;

Second, there have been at least two credit card records every month in the last six months, and online payment is not counted;

3. The total amount of credit card swiping for half a year is greater than 180% of the existing credit line of the card, that is, the average monthly credit card spending is greater than 30% of the credit line;

4. There is no late payment fee due to non-repayment (only the minimum repayment amount is paid, and the expenses caused by incomplete repayment are called interest, not late payment fee); If you can meet the above conditions, the general withdrawal application can be passed, and the maximum withdrawal standard is generally not more than 100% of the existing limit.