Easily double your credit card (credit card) limit, just avoid these 10 points!

Why do you always fail to increase your limit, or the limit is not as good as you want, but your friends’ credit cards (debit cards) increase their limits every now and then. What are the techniques for increasing the limit of a credit card (debit card)? So today I will analyze with you the points to note when increasing the limit of a credit card (debit card). Increasing the limit of a credit card (debit card) has always been a hot topic, and it is also a relatively thorny issue, because increasing the limit is not as simple as making a phone call, sending a text message, or pressing a screen button. There are many details involved, and any oversight of any detail will lead to your eventual failure to increase your quota, so details are very important.

If you want to easily increase your credit card (credit card) limit, the following three points are the minimum conditions:

1. Your consumption can be recorded

2. Your repayment ability

3. You can bring profits to the bank

But how to prove the above three points to the bank? I have summarized the details in the following ten aspects. If your card keeps failing to increase the limit, you can check to see if there are any of the following reasons.

1 The card usage time is too short

Each bank has a prescribed period for increasing the credit card (credit card) limit. If you use the credit card (credit card) for a long time Generally, the limit cannot be increased if the bank's requirements are not met.

2 There is a record of overdue repayment in the past six months

If you have a record of overdue repayment in the past six months, even if the time you have used your credit card (credit card) has reached the standard, it is It is difficult to mention it, because once there is a record of late repayment, the bank will think that it is very risky to lend you money.

3 Choosing the wrong card type

When we apply for a credit card (credit card), it is also critical to choose the appropriate card type. Although some card types are easier to apply for, Approved, but the credit limit of the card type itself is relatively strict.

No matter how well you use the card and how timely your repayments are with this type of card, it is difficult to increase the limit because the room for increasing the limit is too small. For example, many co-branded cards are like this. It is easy to get a card, but it is difficult to increase the limit after the card is approved.

4. Credit card (credit card) not used for a long time

If your credit card (credit card) is not used for a long time after activation, it will be a waste of resources and occupy the bank in vain. Credit limit. Although there is no financial risk for the bank if you use the card, the bank will not get any benefits from you, so don't expect the bank to increase your credit limit.

5 Monthly consumption limit is too small

Suppose your current credit card (credit card) credit limit is 10,000, but your monthly credit card (credit card) consumption is If you only have two or three thousand yuan, then the bank will think that your spending power is not enough, and the credit limit it gives you is enough, so there is no need to give you a higher credit limit, thus causing a waste of resources.

6 Credit cards (debit cards) have been empty for a long time

After the bill is issued every month, pay the money back immediately, and then immediately use all the money paid back When it comes out, it basically belongs to the state of large amount in and large amount out, without any real consumption interspersed in between. This kind of card is actually very dangerous. You will face the risk of having your limit reduced or blocked at any time, let alone expect the bank to increase your limit.

7 Frequently encounter code hopping machines

So what is a code hopping machine?

The code hopping machine actually means that the merchant name displayed on the POS machine receipt when you swipe a credit card (debit card) does not match the name of the merchant who made the purchase. For example, if you swipe your credit card at around 11 p.m. I spent more than 1,000 yuan at a certain bathing center. After swiping my credit card, the merchant name displayed on the receipt printed by the POS machine was a certain supermarket. This is a typical code hopping machine.

Once we swipe the code hopping machine too many times, it will be very difficult to increase the limit!

8 Frequently withdraw cash or spend online

Credit card ( Credit card) It is okay to withdraw cash once or twice occasionally, or occasionally shop online, but when you withdraw cash too many times or shop online too many times, and the actual offline consumption is too little, then the bank will not Love it so much.

Because once you withdraw cash too many times within a period of time, it will give the bank a signal that you are short of money recently. The reason is that the bank will think that the handling fees and interest for cash withdrawals are so high. If you don’t need it urgently, As for money, I basically won’t consider withdrawing it in cash.

Although cash withdrawals can earn a lot of interest and handling fees for banks, for users who are short of money, banks will not provide help in time, so there is no need to think about increasing the limit.

Then why is it difficult to increase the limit if you shop a lot online? Because for online consumption, such as consumption on Taobao, Tmall or JD.com, the payment clearing agency is a third-party payment company such as Alipay or JD.com, not UnionPay.

Therefore, the handling fee for each of your online purchases is very low or you cannot make any money at all for the bank. Do you think the bank will increase your credit limit for you? The answer is obvious.

9 Pay the minimum repayment regularly

For credit cards (credit cards), if you are occasionally short of funds for a month, you can choose to pay the minimum repayment, but it is best to issue the bill next month. Finally, repay the amount owed in full. In this case, the bank believes that you have the ability to repay, but you are only experiencing temporary difficulties, so it is advisable.

But if you have paid the minimum repayment amount on your credit card (debit card) for several months in a row, it will be a signal to the bank that you do not have the ability to repay, and it will be difficult to increase the limit.

Is it useful to go to a judge to double the overdue interest on a credit card?

It is useful.

Overdue credit card interest will double. If your money cannot pay the interest, you can choose the minimum repayment amount, so that the loan and interest overdue will not be affected. After users use credit card overdrafts, they usually have more than From the interest-free repayment period of 20 days to more than 50 days, if the cardholder's repayment is overdue, the cardholder will no longer enjoy the bank's interest-free treatment for all expenses last month, and the recurring interest will be as high as 10,05 days, that is, every year The interest rate reaches 18%.

If you cannot pay the interest as scheduled and you have signed an overdue loan contract and other related content, you need to pay. However, if it involves illegal activities that violate market rules, there is no need to pay again. times interest. In addition, if you do not have enough money to pay interest or are unable to pay a certain amount, you can apply for legal aid and ensure your rights and interests through legal aid. If the credit card is in arrears for more than 3 months, the bank will entrust a lawyer to The credit card user sent a letter and filed a lawsuit against ++. Litigation costs shall be borne by the cardholder.

According to Article 196 of my country's Criminal Law and relevant judicial interpretations, malicious overdraft means that the cardholder overdrafts beyond the prescribed limit or within the prescribed period for the purpose of illegal possession, and credit card The issuing bank does not return the money after collecting it. If the amount is relatively large, he will be held criminally responsible for the crime, and he shall be detained for no more than 5 years or criminal detention, and shall be fined not less than 20,000 yuan but not more than 200,000 yuan.

Information Expansion

What if the debt is too much and cannot be repaid? The debtor can negotiate with the creditor to determine the repayment time. The debtor does need to indicate to the creditor that he is willing to repay, but currently has no ability to repay, so as to avoid the creditor's request to ++++. According to the relevant provisions of the "Civil Procedure Law of the People's Republic of China", if the debtor is sued, he needs to actively respond to the lawsuit. If the debtor does not respond, it will not affect the trial; if the debtor does not appear in court, a default judgment can be made. At the same time, the debtor can calculate the statute of limitations for the debt. If the debt statute of limitations exceeds three years, the debtor can request a statute of limitations defense.

Can the limit of a Spring Festival credit card (debit card) be doubled? Some real people have done it

① First check the limit increase period of each card. Generally, credit cards (debit cards) only have one chance to increase the limit every 3-6 months. If we have just raised the limit on a card not long ago, it will be difficult to raise the limit during the Spring Festival even if we spend a lot every day.

High-limit cards have the opportunity to upgrade to platinum cards, and it will also be beneficial to apply for a card in the future. With the opportunity of the Spring Festival, it is natural to leave the opportunity to the most important cards.

During the Spring Festival, follow the best guide we provide for everyone, concentrate on 1 or 2 cards, and wait for your limit to double.

This concludes the introduction to credit card doubling and credit card doubling scams. Have you found the information you need?