If in doubt, please add enterprise QQ customer service 4008205555 or WeChat to WeChat official account "China Merchants Bank Credit Card Center" for detailed consultation.
The cash installment and quota of China Merchants Bank credit card are the same. Is there any hope of raising the quota? Yes, as long as you use the card for half a year, you can increase the quota, and there are no overdue and bad records within half a year.
The credit card limit of China Merchants Bank is 50,000 yuan, with cash installment17,000 yuan. How to add 65,438+07,000 yuan to the fixed line? It is stated in the cash installment clause that when the cardholder handles the cash installment, it is deemed that he has applied for credit line adjustment at the same time.
We have the right to evaluate and decide whether to adjust the credit limit of the credit card according to the credit status of the cardholder and the use of the credit limit. Whether the cardholder accepts the adjustment of the credit limit of his account by our bank or not, the cardholder has the responsibility to pay off the arrears that have occurred. When the cardholder makes cash installment settlement, the bank has the right to adjust its credit line according to the comprehensive evaluation.
Why is the fixed amount cash installment of China Merchants Bank credit card 20000 only 2900? Exactly! You can choose to pay it back in half a year or one year.
How many thousands can China Merchants Bank withdraw with a fixed credit card limit of 6,000? Usually, credit card withdrawal is 50% of the credit card amount, with a maximum of 3000 yuan.
Credit card withdrawal amount:
Usually, credit cards have a fixed amount and a cash withdrawal amount, and the cash withdrawal amount is configured according to 50% of the credit card amount.
For credit card overdraft withdrawal, in addition to the withdrawal fee (0.5% of the withdrawal amount, at least 2 yuan), interest of 0.5 ‰ of the withdrawal amount will be charged every day from the date of withdrawal, with a maximum withdrawal of 2,000 yuan per card per day, and the cumulative withdrawal will not exceed half of the credit card limit.
China Merchants Bank credit card is still in the stage. Can I apply for a fixed quota? Yes, there are several ways to increase the bank's credit card limit:
Provide sufficient economic proof when handling the card. When applying for a credit card, provide as many financial certificates as possible, such as income certificate, bank deposit certificate, real estate certificate, vehicle production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. If the cardholder has a deposit in CCB or is a civil servant, it will also help the cardholder to obtain good credit and approve a higher credit limit;
Use a credit card as much as possible. The bank will make a comprehensive evaluation based on the customer's past card use. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption and supermarket shopping. And spend as much as possible in physical stores. The bank credit card center will adjust the amount according to the cardholder's usage rate and repayment record;
Ensure a good repayment record. After using the bank credit card to spend money, you must ensure that you repay on time before the monthly repayment date. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;
Apply for increasing the temporary quota. Bank credit card holders can apply to voluntarily increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that cardholders can increase according to their usual consumption and repayment. If the temporary quota is often increased, banks will think that the demand for credit cards is strong and it is not difficult to increase the fixed quota. The temporary quota needs to be paid off in one lump sum. Please be careful not to generate late fees.
The above is the basic way of bank credit card application and withdrawal service.
Tips on how to raise the second quota when China Merchants Bank applies for a cash installment credit card.
1, spend more by credit card every month, and try to use the maximum amount, the more the better (for example, if your amount is 10000, you will spend 10000 every month).
2. Remember, it is best to pay off on time in one lump sum, but it is really not feasible to pay off by stages, and don't just pay off the minimum repayment amount.
3. Occasionally apply for bill installment, or cash advance function, cash installment, etc. Let the bank earn a little interest, which is good for you to raise the amount.
4. If there are temporary places, apply and use them as much as possible. The more you use, the better. Of course, it must be paid off in time.
If you are satisfied, please adopt it. If you have any questions, just ask!
China merchants bank credit card. Cash installment, is it a fixed amount? No, when the cardholder applies for cash installment, it is deemed that he has applied for credit line adjustment at the same time. We have the right to evaluate and decide whether to adjust the credit limit of the credit card according to the credit status of the cardholder and the use of the credit limit. Whether the cardholder accepts the adjustment of the credit limit of his account by our bank or not, the cardholder has the responsibility to pay off the arrears that have occurred. When the cardholder makes cash installment settlement, the bank has the right to adjust its credit line according to the comprehensive evaluation.
Will the cash installment of China Merchants Bank's credit card occupy the credit card quota? Yes, credit card cash installment will occupy the credit card limit. After successful processing, the amount applied for installment will be frozen within the quota. The frozen amount will be restored by installments with the cardholder's repayment in each installment, until the last installment or all installment balances are paid off in advance.
The credit card quota of China Merchants Bank is 38,000 yuan, but it is enough to apply for a platinum card directly. Hello, thank you very much for your attention to the platinum credit card issued by our bank. It is also convenient to apply for a platinum credit card. If your credit limit is close to the maximum gold card limit of our bank ￥ 50,000, please go to our bank's outlets to get the platinum card application form, and fill it out with a copy of your identity certificate, work certificate and new proof of financial resources, mainly your large deposit certificate, real estate license and a copy of the driver's license of high-end private cars. If you can provide relatively complete financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.