The most frequently asked question is: How long can Everbright Credit Card withdraw a fixed amount? My card can be spent more than 20 times a month. Can you raise the amount? (Answer your most concerned questions first)
1. Withdrawal period of China Everbright Bank:
The fixed amount can be applied once every six months, or it can be increased immediately (the first amount must be charged for six months, and the second time is unlimited, only six months away);
Temporary restriction, the first one is three months (the first one must talk for three months, and the second one is not restricted, just three months apart). Apply every other month after the second renewal period. It's been like this ever since.
Attached with small partner 30000- 150000 withdrawal period.
Platinum card, 30 thousand
3W？ 3.45W？ 4.48W？ 5.82W？ 7.56W？ 9.82W？ 12.76W？ 15W, only the first time was 15%, and the others were all 30%. According to China Everbright's policy that the quota must be raised once every six months, if a 3w platinum card is successful in about four years, the time limit of about four years should exceed 10w and go straight to 15W.
2. Let's talk about spending 20 times a month. Can you raise the amount?
Spending 20 times can definitely increase the quota? You can't raise the amount without 20 times? Neither. Sister Ka suggested that it is best to spend 10 or more times a month, and more than 20 times is better. This is related to the type of consumer merchants, the amount of consumption, the proportion of money, and the presence or absence of risky operations.
Then, the general exit method
1. The consumption amount depends on the quantity, and the average monthly consumption of the total consumption for more than half a year is not less than 35% of the total consumption;
2. It is best to spend as many times as possible, and the transaction is more than 10 per month. Is it difficult to withdraw cash from more than 20 transactions? (It says)
3. Diversification of consumer merchants, such as shopping malls, entertainment and supermarkets. Brush as many well-known merchants as possible, so there will be more than 10 credit card places.
4. Minimize online shopping and payment, and increase offline payment, such as brushing POS machines.
5. The type of merchants who swipe their cards cannot always be similar to the nature of the company's business scope. This must be borne in mind. Many small partners report that it is difficult to raise the amount, but they just don't pay attention to these details.
conventional process
1. Adjust the temporary limit first.
The temporary quota can be adjusted every three months. After successful extraction, you can use part of the temporary quota, apply for quick adjustment of the temporary quota after 45 days, and adjust the fixed quota once after three repetitions.
2. We are different, and we are afraid of staging.
If China Everbright Bank raises the amount, we don't need to do installment or cash withdrawal, because the cash withdrawal fee is the most expensive of all banks, so don't take it no matter how poor it is. Therefore, after the bill date, the repayment method should be full repayment as far as possible, avoiding installment and minimum repayment amount.
3. Related repayment
First, get a debit card of China Everbright Bank, and make repayment in connection with the credit card. Prove to the bank that you have the strength and initiative to change madness.
4. Autonomous voice withdrawal
If you really encounter a credit card that has not been raised for more than half a year, you can call the bank a little. It means that the card has been used for so long, and the limit has not been raised. I don't want to use it any more. I decided to cancel this card. Maybe the bank will raise the amount for you to keep you.
Voice self-service withdrawal method of China Everbright Bank: (Remember to reserve your mobile phone number when you apply for a card! )
1. Call 95595 Everbright Customer Service, press the prompt key 2, and enter the personal ID number+#
2. Enter the last 4 digits of your card number and select the 1 key according to the voice prompt.
3. Enter the transaction password, press the permanent limit button 1 and the temporary limit button 2, select the limit you want to apply for, and the voice will automatically increase the amount for you.
Generally speaking, Everbright's steady increase quota is quite good, and banks do not need to make money at other stages. Of course, normal credit card spending is normal, and this Everbright still has to make money. As long as the cards are raised normally, the purpose of increasing the amount can be achieved.