How to increase the credit card limit faster;
1. Spend as much as possible: After the credit card is completed, spend as much as possible. The more frequently used, the higher the loyalty of credit card users to banks. But the frequency should not be too high.
2. Try to use up the credit card limit: it is best to use up the limit given by the bank every month, spend a lot of money irregularly, and then repay normally. These cardholders are usually defined as high-quality customers, and banks will increase the limit as appropriate after judging whether cardholders have large demand.
3. Never pay late fees: If you don't repay in time, you 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, which will not only affect your credit card application, increase your quota and consumption, but also affect your loan application.
4. Appropriate use of temporary credit line: Generally, within 1-3 months after the credit card is opened, the credit card will prompt the temporary credit line. If you spend the temporary credit line and repay it in time, the bank will think that you really have a high consumption desire and repayment ability, so it will be easy to increase the permanent credit line.
5. Dollar withdrawal: If it is a dual-currency card, first deposit 100 USD for yourself, and then call customer service to apply for withdrawal. 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.
6. Online precious metal transaction cash withdrawal: 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, say that you want to operate precious metals, and if you don't have enough funds, you will withdraw some quotas.
7. Provide financial proof: 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!
How to increase the credit card limit
1. Credit card limit adjustment can be divided into two types: bank initiative withdrawal and cardholder application withdrawal.
2. The bank's initiative to withdraw the amount means that the bank will adjust the credit card limit for you according to the cardholder's use of the card for a period of time. If you swipe your card many times and repay it on time, it will increase your quota; If you often fail to repay on time or don't use your credit card for a long time, your credit card limit will be reduced.
3. The cardholder's withdrawal application is divided into temporary withdrawal and permanent withdrawal. You can call the bank customer service and apply for withdrawal. These two cash withdrawal methods are also based on the cardholder's good credit card usage record.