There is currently a saying about credit cards that if you use a credit card, you will not be able to control yourself, which will increase consumption virtually. Compared with cash payment, credit card spending is easier and may become a "card." slave". Regarding this set of rhetoric, my opinion is that it is simply a fallacy and an excuse. People who cannot control their own spending will be the same whether you use a credit card or not. You will still overspend when you should. .

Nowadays, in addition to credit cards, there are also online payments such as Tenpay and Alipay, as well as mobile payments, which do not handle cash. Doesn’t it mean that you don’t need to use them? The key is to develop good card usage habits, spend moderately, repay on time, and stay away from card usage traps. This is a positive attitude toward financial management.

Mr. A has always maintained a good credit card usage record. Last month, a bank called me and asked Mr. A if he wanted to borrow money. Of course, Mr. A does not need to use the money for the time being, but Mr. A knows , as long as you want to borrow, the bank will definitely be willing. If you want to start a business, you can get a loan just by relying on your credit.

Therefore, improving your personal bank credit rating is also a way to prepare for starting a business in the future. Friends who don’t have a credit card yet have the urge to apply for one? What about the low limit?

Let’s take a look at the benefits of large-limit credit cards:

1. A credit line granted by the bank to the cardholder for overdraft use, which will not be used during the interest-free period. bear interest. What makes a credit card more convenient than a loan is that it can extend credit on a recurring basis and is interest-free. Therefore, people who often need cash flow tend to hold credit cards with large limits, such as people who do business. A credit card with a low limit will not be of much use when the cardholder needs money urgently. For cardholders who often need cash flow, the higher the credit card limit, the better.

2. Add points to personal comprehensive credit. When handling loans and other services, banks will refer to your existing loan situation and past repayment records to judge your personal credit situation. A high credit card limit in your name reflects your personal financial situation and repayment ability, which can be a bonus for handling some businesses.

So how to increase the quota under normal circumstances?

1. Those who can use credit cards to consume should do so, which can at least increase activity.

2. Repay on time, do not overdue, and it is best not to make minimum repayments. Frequent minimum repayments will not increase the limit. ,

3. Appropriate installments allow the bank to make more money.

4. Seize the opportunity to increase your limit. For example, when you spend a lot of money, you can directly call customer service to request an increase.

Of course, there are many ways to increase the limit. As long as you use the card normally, it can satisfy ordinary daily use.

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