Providing proof to the bank can increase the credit card limit. If the bank customer service staff informs the cardholder to go to the counter to apply for a limit increase, the cardholder needs to prepare relevant materials to apply: ID card, credit card, statement of the past six months (for UnionPay cards with larger statement), credit card limit increase application form (fill in this line). If there are no problems in the bank's review, the limit will be adjusted appropriately.
The credit card limit increase method is as follows:
1. Frequency wins
Use your credit card frequently, no matter the amount, as long as you can swipe the card, you will definitely swipe it.
2. Win by amount
It is best to have at least 30% of the total monthly bill consumption.
3. Temporary quota increase
Due to short-term needs to increase the quota due to holidays, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.
4. Persistence
Continuously call for quota increase applications. Sometimes different customer service applications will be processed differently.
5. Threat of card cancellation
Canceling the card without increasing the limit sometimes works.
6. Dormant Suspension
If you intend to deactivate a credit card for a certain period of time, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.
7. Seize the opportunity
The time to raise the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out.
8. Continuous consumption
The bill for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.