Many small partners often complain that their credit card quota is low, and banks have never taken the initiative to increase the quota. Even customer service applications are often rejected, and even temporary places are not given.

In fact, this is not a bank problem at all, but your own problem. The judgment of bank withdrawal is based on your past consumption records and repayment ability.

Simply put, the more income you create for the bank, the more the bank wants to lend you money. Therefore, if you want to increase the quota, you must master the following six skills.

1. Usually use a credit card.

If you want to increase the credit card limit, you should spend more by credit card. If you can swipe your card, try to swipe it. It is best to keep a stable consumption record for several months before applying for withdrawal, and it is best to swipe your card about 20 times a month. Merchants who swipe their cards should also be diversified.

Online payment is more popular now. You can bind commonly used credit cards to Alipay or WeChat, and jump directly to the card during daily payment.

2. Daily credit card swiping should be combined with large amount and small amount.

Daily credit card swiping should combine the amount of money and the amount. Brush a small amount to ensure the frequency of card swiping, and brush a large amount to make the bank feel that your consumption level is high, which will make you feel that your quality is high.

3. Don't be overdue

Usually, you must repay in full and on time, and try not to repay the minimum amount. The most important thing is not to be overdue. If it is overdue, it will basically miss the withdrawal.

4. Appropriate staging

In fact, staging is to let banks earn some fees. Appropriate installment is beneficial to credit card withdrawal, but it is best not to be too long, 3 to 6 installments are enough, and the installment amount is not too large. For example, it is very appropriate to apply for installment after spending on some holidays, and the success rate of withdrawal is also high.

5. The monthly consumption is more than 50% of the total.

Spending more than 50% of the total monthly bill will help the credit card.

Step 6 master the golden period of abstinence

Generally, credit cards have a golden period of withdrawal. For example, some banks stipulate that it takes more than three months to withdraw cash, and some banks can withdraw cash for more than six months.

Another way is to apply for a fixed quota after the temporary quota expires, so that banks can know that the current quota is not enough. If the quota is rejected, don't increase the quota frequently, and wait patiently for a period of time.