The limit of CITIC Bank’s Platinum Credit Card is RMB 10,000-50,000. The credit card applicant may get a minimum limit of RMB 3,000 and a maximum of RMB 100,000. The credit card limit mainly depends on the personal qualifications of the card applicant. , it does not mean that the amount stipulated must be the amount. When applying, provide as much proof of financial resources as possible, such as real estate certificates, motor vehicle driving licenses and other properties in your own name. In addition to financial resources, it also depends on the nature of your work and income. Only upon request can you be approved for a large credit card, and the overall score is really important. After you get the CITIC Platinum Credit Card, first use the card to make overdraft purchases and maintain a good repayment record. After a period of time, you can apply to the bank for an increase and submit some other valid financial proof to help raise the limit. The application was successfully approved.
Generally, the credit card limit is from 10,000 to 20,000. The credit card limit is determined based on the applicant’s financial situation and credit situation. There will be many reference factors, such as the customer’s work nature, education, income, and personal status. Stability, personal social credit, usage of other financial products, etc. If you are not satisfied with your credit card limit, you can apply for a limit adjustment.
(1) Temporary limit increase
If you have large consumption needs in a short period of time, you can call the credit card customer service hotline to request a temporary limit increase. If you meet the bank's temporary limit increase, According to the conditions of the quota, the temporary quota adjustment can be realized within 24 hours. The temporary limit is valid for 30 days. After expiration, the credit limit will automatically restore to the original limit.
(2) Long-term limit increase
When you need to increase your credit limit in the long term, you can Call the credit card customer service hotline, and the bank will promptly process the permanent limit adjustment request based on the cardholder's credit card status and credit standing:
1. Use your credit card frequently and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped for consumption. Frequent use will definitely help cardholders increase their credit limit as soon as possible.
2. Guarantee the amount of credit card consumption every month. 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.
3. Make sure that credit card payments can be repaid in full and on time. This is very important for credit card holders who want to increase their limit. If you cannot repay in full and on time, resulting in a bad credit card repayment record, it will not only affect the cardholder's personal credit report, but also greatly extend the time it takes for the credit card to increase its credit limit.
4. Enrich the consumption types of credit cards. Different consumption types will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of credit card limit increases to a certain extent. Within the scope of your ability, increase the opportunities for large-scale purchases on credit cards, thereby promoting the increase of credit card limits as soon as possible.
CITIC Bank Credit Card has always been aimed at serving the public, and has applied credit cards to better serve the public. Many people who have used credit cards know that credit cards are very convenient and can be used not only in large shopping malls and supermarkets in China. , and can even be used in some foreign consumption places. Credit cards greatly facilitate the general public and allow banks to gain more profits from them.