How long does it take to increase the limit of Postal Bank Credit Card

There are two ways to increase the limit of Postal Bank Credit Card, one is to increase the fixed limit, and the other is to apply for a temporary limit.

If you want to increase the fixed limit of Postal Bank credit card, the cardholder needs to use the card for more than 6 months. To apply for a credit card limit increase, you need to call the bank service hotline to apply. The bank will complete the review and reply within 2-3 working days. (If you have not made any purchases within the three months of using the card, it is generally unlikely that you will be able to increase your limit. The reference materials for bank review are your bills for the previous three months, so it is recommended that if you want to increase your limit, usually You still have to spend more and repay on time).

After using the Postal Savings Bank of China credit card for 3 months, you can apply for a temporary limit. A temporary limit is a temporarily increased credit card limit. It is generally valid for 1-3 months. When the fixed limit is not enough, you can apply by phone and the bank will increase the temporary limit based on the comprehensive score. It is usually 50% of the fixed limit.

Post Bank Credit Card Limit Increase Tips

1. The number of card swipes wins. Regardless of the amount, as long as the card can be swiped, you will definitely swipe the card. You really need to swipe the card more often, because the system will think that the credit card is a necessity in your life and it has enough money to collect it.

2. To win by the amount of credit card swiped, it is best to produce monthly bill consumption of at least 30% of the total amount. In fact, this is not the case. If you swipe more cards, the bank will indeed make more money. But if your consumption amount does not match your income, the bank will consider you to be a high risk. (For example, your monthly income is 3,500, and your monthly credit card consumption is more than 10,000)

3. Use the temporary limit frequently. If you need to increase your quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve. This is usually easy to increase the amount, because everyone has temporary expenses. But this increased credit limit is temporary. It actually has little to do with increasing the permanent limit.

4. Continue to apply for quota increases. If you continue to apply for a quota increase over the phone, sometimes different customer service applications will be handled differently. Different customer service departments do have different handling methods, but the results of the system evaluation will be the same.

5. Grasp the favorable opportunity to increase the quota. It is most effective to apply on billing day or when your card has just been maxed out. Generally, when the card is about to be maxed out, the system will prompt you to automatically increase the temporary limit. The effect is not particularly great.

6. Do not interrupt the records of credit card consumption. The bills for card consumption must last for 3 consecutive months without interruption, that is, there must be consumption every month. This is indeed very helpful in increasing your credit limit in the early stages of holding the card.

How to increase the limit of postal credit card

There are several ways to increase the limit of credit card: 1. Use the credit card more and more often to win by the number of card swipes. 2. Spend more with your credit card, preferably at a variety of merchants, to ensure the amount of credit card consumption every month. 3. It is best to generate consumption records with a total credit card limit of more than 30 yuan every month. If you persist for more than half a year, the bank system will easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

The reason why Postal Savings Bank’s credit cards can only be processed at branches:

Because bank branches are only responsible for guiding the filling of forms and receiving supporting documents, the final approval is completed by the credit card center. of. Therefore, it takes about a week for the branch to hand over the application materials to the local branch, and then the branch will mail them to the credit card center of the head office. The credit card center will complete the data review and information verification within 5 working days to decide whether to approve the card and the amount of the card. Then the card will be produced within two days, and it will take about a week to mail the card to the applicant's reserved address. This series of processes takes about twenty working days. Of course, this is the average level. If the card application place is very close to the credit card center, it may take more than ten working days.

1. Basic requirements for credit card applicants

Principal card applicant: Mainland Chinese residents who are over 18 years old and under 60 years old.

Applicants for additional cards: over 16 years old. Mainland Chinese residents under 60 years old.

2. Information required for credit card application

Required materials for applying for the main card: a copy of the applicant’s ID card and proof of employment. Materials to submit: any one of the following: proof of financial resources and proof of interest in dealings with our bank.

Applying for an additional card: A copy of the applicant’s ID card is required. The relationship between the supplementary card applicant and the principal cardholder must be direct relatives.

Postal Savings Bank Credit Card has a dedicated 24-hour customer service hotline 4008895580, as well as dedicated services at 39,000 bank outlets across the country. Service content includes:

1. Marketing event notifications, the latest discounts and promotions information are at a glance and at your fingertips;

2. Call the customer service hotline to inform your mobile phone number, address and other important information When changes are made, personal information will be updated in a timely manner to protect the rights and interests of users.

3. Main services: activate card; set or reset query password or transaction password; query: unissued bills, 12 issues of bills that can be queried, available credit limit, available cash withdrawal limit, etc.; fax Unissued and issued bills, re-sending issued bills; application for loss report, card replacement, account cancellation; application for or cancellation of SMS service, adjustment of the starting amount for monthly SMS notifications; application for installment payment business; application for limit adjustment.

Is it easy to increase the automatic limit reduction of postal credit card?

It is not easy to increase the limit.

Generally speaking, when cardholders apply for a derating, they can get everything they ask for, and they don’t even need to go through an evaluation. But it will not be so easy to recover if you apply for a quota increase at this time.

Because the bank has to conduct a comprehensive assessment to see how the cardholder's credit is and how the card is used, before deciding whether to provide a credit limit increase. Even if the limit can be increased, the limit will most likely be lower than the original amount. Therefore, cardholders who take the initiative to apply for a credit reduction must consider it carefully to avoid trouble caused by not raising the credit limit later. But as long as we maintain good credit, repay on time, and do not frequently apply for credit services with credit citations, we can generally apply for a credit limit increase.

Is there any way to ensure that the China Post credit card limit increase is successful?

Tips for increasing the limit of China Post credit card:\1. Ensure good card usage habits: it is best to use the card for more than 6 months before applying. Generally, applying for a limit increase right after opening the card will be directly rejected;\ 2. Use more transactions: You can swipe the card multiple times or you can swipe enough at one time. Use the card to spend as much as possible at various physical merchants, and pay attention to diversifying your consumption. The more you swipe, the higher the success rate of raising your balance; \3. Deposit regularly: deposit a 5-year time deposit in a peer savings card. The larger the amount and the longer the fixed deposit time, the better;\4. Make regular installments And all repayments are made in full: Although the installments are interest-free, you need to pay a certain handling fee to the bank. After giving the bank some benefits in this way, increasing the amount is naturally not a problem; 5. Recommendation by acquaintances: If you are not in Relatives and friends who work in banks can ask the loan officers and salesmen who apply for the card to help recommend them. Recommendations from internal staff can directly double the success rate of credit limit increase; 6. Actively consume overseas: friends who have the conditions for overseas consumption can try more Overseas consumption allows the bank to earn some currency exchange fees, and most cardholders who can frequently spend overseas have good financial strength, so it is easier to apply for a limit increase; 7. First raise the temporary limit and then the fixed limit: before holidays, first raise the limit After the temporary limit is raised, apply to increase the fixed limit when the temporary limit is about to expire. The bank will increase the fixed limit more smoothly based on the temporary limit that has been raised; 8. Purchase financial products: Bank financial products can easily cost 50,000 to 100,000. In the beginning, those who have spare money to buy financial products will definitely have no problem with funds, and of course it will be no problem to increase the limit; 9. Incremental consumption: For example, if you consume 20 of the limit this month, and your application for a limit increase fails, try spending next month 30, apply again, and so on. Generally, if the consumption reaches about 50 for 2 consecutive months, the success rate of the quota increase will be greatly improved; 10. The last and most important point is to apply persistently.

How to increase the limit of postal credit card

How to increase the limit of postal credit card, there are the following two methods:

1. Permanent limit adjustment

When credit card holders need to increase their credit limit, they can call the credit card customer service hotline, and the Postal Savings Bank will handle the permanent limit adjustment request in a timely manner based on the cardholder's credit card status and credit standing.

2. Temporary limit adjustment

If credit card holders have large consumption needs in a short period of time, they can call the Postal Savings Credit Card customer service hotline 4008895580 to request a temporary limit increase, such as If you meet the conditions of our bank for temporary quota adjustment, the temporary quota adjustment can be realized within 24 hours. The temporary limit is valid for 30 days. After expiration, the credit limit will be automatically restored to the original limit.

The credit limit refers to the amount of money that a lender can lend to a borrower without providing property security. It usually refers to a natural person borrowing money from a bank, and the bank is willing to lend the maximum amount based on the individual's credit status. This amount will be determined unilaterally by the bank based on conditional factors such as income, revenue, debt ratio, job content, company, company position, property, etc. This lending relationship usually involves a bank lending money to a natural person. On the other hand, bank lending to organizations is usually a necessary business behavior for commercial organizations and cross-border transactions.

Tips for increasing the limit of postal credit cards;

1. Postal installment is more effective in increasing the limit. Generally, more than 2,000 is enough for one installment every 6 months. But personally I think it’s better to do it twice. By the way, it's a bill installment, not a cash installment. Cash installments are only available if you invite customers. The best installment is one month before the withdrawal date.

2. The fixed amount will be raised once every 6 months. You can call customer service to adjust your quota. You don't have to pay off the installments before you can make a withdrawal. When the time comes, you can call to withdraw.

3. After the temporary expiration, the bills will generally continue to come out after one period. If you need it urgently, then get it. If you are not in a hurry, don’t waste your fixed time.

4. Do not use temporary, as it will delay the time for raising the fixed amount. The shortest is one month after the temporary is over, and the longest is three months before the fixed amount can be adjusted.

5. The Postal Service attaches great importance to provident fund users, and the credit limit for using provident funds to purchase items is quite high.

6. Dingyabai needs to use provident fund to purchase parts, and the monthly provident fund amount for individuals plus units is required to be more than 2,000. Go to the website to apply.

7. The postal credit limit cannot be leveled, so if it curves, just use the card with a successful curve. There is no point in swiping it separately.

8. The maximum limit of the gold card is 100,000. Of course there are exceptions. When you have assets, the backdoor will be opened for you, otherwise it will be one hundred thousand.

Tips for increasing the limit of postal credit cards

Many people have credit cards, but most of them apply for credit cards under the four major state-owned banks or other commercial banks with high credibility. As everyone knows, In fact, China Post has also issued its own unique credit card. So what are the ways to increase the limit of postal credit cards?

01

Maintain continuous credit card consumption. Postal credit cards pay special attention to this requirement. Generally speaking, the postal service will check our credit card usage in the past three months. If the frequency is high, then the possibility of increasing the limit is very high. This is different from other banks. Big difference;

02

The second thing is to maintain the amount of credit card swiped. What I emphasized above is mainly the number of card swipes, and the amount of card swipes is equally important. Large-amount consumption is far more conducive to increasing the credit limit than sporadic daily shopping consumption;

03

Then you need to pay attention to seize the opportunity for improvement. The postal credit card stipulates that after half a year of normal use of the credit card, you can apply for a limit increase by phone or email, so the possibility of the limit increase being approved at this point is very high;

04

The last step is to use some tricks.

For example, if we increase the temporary limit many times in advance, we can make the bank think that our limit cannot meet our requirements, and then we can apply to increase the permanent limit;

About postal credit card, is it easy to increase the limit and postal service? Is it true that it is easy to increase the limit on credit cards? This is the end of the introduction. I wonder if you found the information you need?