I have also applied for a credit card from the Agricultural Bank of China, and the limit is similar to yours. Let me tell you how to increase the limit.

1. The application limit at Agricultural Bank of China credit card branches is higher

The Agricultural Bank of China credit card is somewhat different from other banks. Most application limits for online applications are not high. Of course, you can also apply directly at the bank counter or contact a bank clerk to apply in person.

When applying, you should provide as much financial proof as possible, for example: personal proof of financial resources, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will apply for the card based on these certificates. People do asset appraisals. If the card applicant has deposits in Agricultural Bank of China, the credit card approval limit will also be affected.

2. Diverse card swiping and high consumption

After successfully applying for a card, even if you are not satisfied with the limit, do not cancel the card blindly. Cardholders can swipe as much as possible to spend as much as possible, so as to achieve the bank's initiative The purpose of your quota increase. Generally speaking, the total monthly consumption amount is at least 30% of the limit, which can prove that the cardholder has a strong demand for credit cards.

There are also secrets to swiping cards for consumption. ① No matter how big or small the amount is, just swipe the card if you can. Even if you want to buy a pack of cigarettes or a bottle of water, you can swipe the card; ② Try to diversify your card consumption, including hotels, shopping malls, supermarkets, online shopping, and overseas shopping.

3. Repay in full and on time to maintain good credit

Don’t forget to repay on time when swiping your card. For Agricultural Bank of China, quality customers do not only have cars and houses, but they can guarantee Cardholders with good credit who repay on time are even better customers. If you are unable to repay on time for some reason, you must call the Agricultural Bank of China credit card customer service hotline 400-66-95599 (charged for mobile phone calls)/800-81-95599 (free for landline calls) to apply for grace time.

The current tolerance and time tolerance policy of the Agricultural Bank of China is very user-friendly. The maximum tolerance amount is 100 yuan for regular cards and 200 yuan for gold cards; the maximum number of tolerance days is 3 days.

4. Actively apply for a limit increase

The fastest way is for the cardholder to actively apply for a limit increase. There are two ways to increase the limit: fixed limit and temporary limit.

You can apply for increasing the fixed limit after using the card for half a year. The application method is ① Bind the credit card to online banking → select the limit adjustment; ② Call the customer service hotline 800-81-95599 → 1 Chinese → 4 limit services; ③ Add the Agricultural Bank of China WeChat → Bind credit card → Select limit adjustment.

PS. It will take 3 working days to get the review result if the Agricultural Bank of China credit card application increases the fixed limit of less than 100,000 yuan, and 5 working days if it exceeds 100,000 yuan.

There is no time limit for increasing the temporary quota, and the application method is the same as above.

PS. If you apply to increase the temporary limit of Agricultural Bank of China credit card to less than 50,000 yuan, you can see the review results immediately. It takes 3 working days for 50,000 yuan to 100,000 yuan, and 5 working days for more than 100,000 yuan. The temporary quota is valid for two months.

The above is an introduction to the solution for the Agricultural Bank of China credit card limit of 500.