How to increase the limit of CITIC Credit Card

Tips for increasing the limit of CITIC Bank Credit Card:

1. Improve credit index

While using CITIC Bank Credit Card , cardholders should not have any bad behavior records such as overdue, cash out, etc., and should maintain good personal credit. Personal credit plays a vital role in increasing the credit card limit. Therefore, if you want to increase the credit limit, good personal credit is necessary. Indispensable.

2. Spend more with your card

If you want to increase your credit card limit, cardholders need to use more CITIC Bank credit cards, ranging from buying snacks and groceries to large purchases of appliances and furniture. All purchases can be made using credit cards. It should be noted that you should not make large purchases at the same place multiple times, otherwise the bank will suspect that the cardholder is cashing out, which will be very detrimental to the limit increase.

3. Win with the amount of credit cards swiped

The amount used by cardholders on CITIC Bank credit cards every month should account for more than 30% of the total limit, and win with the amount of credit cards swiped as much as possible. Once the cardholder wants to increase the limit, the bank will see the cardholder's consumption record, and the approval rate for the limit increase will be relatively high.

4. Overseas consumption is also a way

Card holders who want to increase their credit limit can spend a sum overseas. Relatively speaking, banks will be more optimistic about overseas consumption. If the cardholder plans to go abroad in the near future, he or she can apply for a temporary limit increase. After making a few purchases abroad, he can then apply for a fixed limit when he returns home. Under normal circumstances, if the cardholder's credit card usage is in good condition, the bank will agree to the request for a limit increase.

5. The timing of the limit increase is very important

Cardholders who want to increase their CITIC Bank credit card limit can get twice the result with half the effort by choosing the right time to increase the limit. Cardholders can call the bank to apply for a limit increase one day after the monthly repayment date or immediately after overdraft consumption, and explain that the limit is not enough. Under normal circumstances, the bank will agree to appropriately increase the CITIC credit card limit. Of course, the prerequisite is the cardholder's credit card usage. good.

1. Call CITIC Bank’s customer service hotline 40088-95558 to apply for an increase in credit card limit. CITIC Bank will review your past credit record and card usage and provide credit limits to customers who meet CITIC Bank’s limit adjustment policy. Increase.

2. Log in to CITIC Credit Card Online Banking, select "Main Card Limit Adjustment" under "Card Management", and apply to increase your permanent limit.

If you want to increase the permanent limit of your CITIC credit card, you need to pay attention to two points:

(1) Frequently use your credit card to make purchases and prove to the bank that you have greater consumption needs;

(2) Repay the loan in full and on time to convince the bank that you have sufficient repayment ability.

Operating environment:

CITIC Bank version: v8.6.5

Mobile phone: Redmi k3012.5.5

How to increase credit limit with CITIC Credit Card

CITIC Bank’s credit cards have always been strict in raising the limit, and many cardholders complained that they are “iron roosters”. Although CITIC Bank’s credit cards are easier to pass the review, cardholders with low limits want their own credit cards. The higher the limit, the better. How can you quickly increase the credit limit of China CITIC Bank? Today Xiao Qin will share with you the special techniques for increasing the credit limit of China CITIC Bank credit card!

1. Limit increase time

CITIC Bank’s first limit increase time is 6 months after the card is issued. After that, the temporary amount can be increased every three months and the fixed amount can be increased every six months. Therefore, we must seize the time to avoid missing the opportunity to increase the quota. In addition, if you want to get a limit increase, it is recommended that you use 80% of the overdraft limit on your credit card every month and apply for a temporary limit during holidays or business trips, which will make it easier to trigger the limit increase.

2. Consumption skills

1. Use your CITIC credit card to make 15-20 purchases at the POS of 3 different acquirers, with a consumption cycle of 8-15 days; at the same time, Go to an offline large supermarket to pay directly to the POS for 3-5 transactions; add 1-3 transactions to the WeChat network;

2. After the bill comes out, there is an "insufficient balance" for a transaction (for example: Credit card limit is 25,000, direct consumption is about 12,000) Be sure to note that the consumption amount must be 30% greater than the fixed limit and less than 80% of the fixed limit; at the same time, it must be 10% greater than the fixed limit of the available limit on the card!

3. Half an hour after spending "insufficient balance", use the mobile phone bound to your CITIC credit card to send a code and actively apply for a limit increase;

3. Curved limit increase< /p>

I believe that cardholders are no stranger to curved limit increases. By applying for a second card, when the limit of the second card is higher than the limit of the first card, this means that the curve is successful. Easier said than done. I believe that most card friends have tried this method, and many card friends have failed, because if you want the curve to be successful, the choice of the card, the use of the original card, and the timing of the curve are all very important. Through "applying a single-currency card to increase the limit along the curve", this method has a high success rate, and the limit after the curve has basically exceeded 50,000. The method is also very simple. The original card is specially optimized for 3 bills, with at least 1 purchase per bill. The fourth bill directly curves CITIC single currency card. After the card is removed, the original card limit will be leveled simultaneously. This method works every time!

4. Special consumption

1. If the previous method does not allow you to meet the conditions for a CITIC Bank credit card limit increase, then you can only prove your "credit card" or "credit card" Too bad to use”! Utilize the consumption frozen credit increase method

2. Operation method: Starting from the second bill, your credit card will only spend 1 RMB, and another 3 pounds or Hong Kong dollars (it is the pound consumption of a multi-currency credit card, It is the consumption of Hong Kong dollars with UnionPay single currency card). As soon as the third bill comes out, go to the limit management of CITIC mobile APP. There is a 90% probability that the limit can be raised successfully!

3. You can use the online method without leaving the country.

How to increase the limit of CITIC Credit Card

The operation process of increasing the limit of CITIC Credit Card:

1. Open the CITIC Bank Credit Card Mobile Card Space APP and find My on the homepage Limit;

2. Find the card’s fixed limit in the CITIC Bank Credit Card Limit Center to adjust the card’s fixed limit or receive a fixed limit within a limited time;

3. Modify and increase the fixed limit amount, and then click one-click to increase the limit;

4. Complete SMS verification;

5. CITIC Credit Card limit adjustment is successful;

6. Return to CITIC Credit Card Limit Center to view the latest adjusted limit.

CITIC Bank Credit Card has always been aimed at serving the public and has applied credit card processing 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 domestic shopping malls and supermarkets. , 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.

This is the end of the introduction on how to increase the credit limit with CITIC Bank credit card and whether to check the credit check when increasing the limit with CITIC Bank credit card. I wonder if you found the information you need?