If you know people who are employees of the bank, you can ask them to be references and recommend you to apply for a credit card. Different from ordinary applications, the comprehensive score of recommended cardholders will be higher and the credit limit will be higher.
There must be many credit card holders of China Merchants Bank around you. When you apply for a credit card, you can fill in their information in the designated position of the application form, which will also improve your application success rate and credit limit.
If you already have a credit card from another bank and are using it, you can use it as proof to apply for a credit card from China Merchants Bank. If the credit card quota of other banks is relatively high, it will also help the credit card quota of China Merchants Bank.
If you have a loan now, you can consider applying for a credit card from the same bank as the loan. Because the approval conditions of loans are much stricter than credit cards, and lenders generally have fixed assets, banks are very willing to approve cards for loan users and get much higher credit lines than usual.
Some netizens shared with me how their credit cards rose from 3,000 yuan to 200,000 yuan, which was very exciting. So what method did he use? I sorted out the posts of netizens and got the following dry goods. Take it!
1. Use credit cards as widely as possible. Only by increasing the frequency of use and consumption categories can we lay a good foundation for cash withdrawal. It can be used in convenience stores and restaurants, and can be used to buy cars and houses. Now Taobao shopping and even hospitals and schools can use credit cards to pay all the taxes and fees for buying a car. Some friends want to ask, my quota is only 65,438+10,000. When I want to buy a car, the quota is not enough. What should I do if I increase the temporary quota? My practice is to transfer the insufficient cash to the credit card, and then swipe the credit card, which is also very helpful to increase the quota.
2. Try to choose pos machines that can be consumed with points, and maximize the accumulation of points during the activities of banks or merchants. For example, China Merchants Bank Platinum Card users get 10 times points on their birthdays. Don't miss this opportunity to offset the annual fee of 3600 by swiping the card. The key is whether there are points in the POS machine selected that day! In addition, the settlement rebate between POS machines with points and issuers is often higher than that with the upper limit of handling fees. Therefore, card-issuing banks prefer this kind of consumption, which is of great help to increase the quota.
4. In the process of use, if you add new real estate, such as cars and houses, you can go to the counter of the issuing bank to submit supplementary information, that is, a new financial certificate. This move is also very effective.
You can keep asking for increasing the temporary quota. For example, when your official quota reaches 50,000 and there is no bad record, you can try to apply for a temporary quota of around 80,000. Once the temporary quota expires and the repayment is made on time, you can apply for increasing your permanent quota according to this standard, which is more likely to pass.