Puka users are more suitable for this method. After using Puka for more than 3 months, more than 6% of them will be repaid in full. However, Puka has a relatively low quota, so they can apply for a gold card. It is recommended to apply in official website with a high success rate.

According to statistics, more than half of cardholders have applied for gold cards, which are 2%-1% higher than the original ordinary cards.

it is not recommended to apply for a platinum card to increase the amount of the curve if you have a gold card. The success rate is low, and you should provide better information than the original one. Otherwise, the platinum will be approved in seconds, and the amount will be the same as that of a gold card, and you will not be soft in charging your annual fee.

2. Freezing

occasionally applies to gold and platinum cards, with a success rate of about 3%. Gold card requires more than 2 credit card swipes per month in the first three months, regardless of the amount; Platinum card requires that the total consumption in three months is more than 5% of the total amount of the card.

repay the loan in full every month, and then freeze it for 2-3 months. It is recommended to freeze it 1-2 months before major festivals. The success rate of Puka is negligible. This law is applicable to cardholders who have swiped their cards for about 2 years and often fail to pay the amount.

3. Staging

Appropriate large-scale consumption by stages, but only if you can afford a certain handling fee. After that, the number of bills that last for 3 months is more than 2, so you can try to apply for an adjustment on your own initiative. The reason can be said that the amount is not enough and you buy too many things. This is the only best reason for CITIC to take the initiative to apply, which applies to large platinum cards and small ordinary cards.

For example, if your card has a credit limit of 1, yuan, and you use it for 6-9 months, you can buy an Apple computer and brush it for 8, yuan. After the installment, you can apply for a credit adjustment according to the above reasons, and it is very likely that the credit will be increased within 2 days.

4. The minimum repayment amount

is applicable to high-value gold cards with 5W or more and platinum cards with 6W or more. Personal cards have at least 5% of the total consumption within six months, and have a minimum repayment record of two or three months, so that the bank knows that you have the ability to repay, and there are opportunities for the bank to earn appropriate fees and interest, which will be regarded as quality customers.

It is the uncle who can make money for the bank, and the success rate of withdrawal is high. However, it is not possible to use the minimum repayment amount every month. It is recommended to repay in full or in large amounts, such as repayment of 1, yuan or more.

5. Card cancellation

is applicable to all types of cards, and this method is helpful to avoid the annual fee. Previously, you could increase the quota by 1%-2% under simple threats, but now, unless you are a quality customer with more than 2 years.

6. Reasonable consumption

The bank doesn't require the number of transactions and the amount of consumption, so if it wants to raise the amount, it will brush less wholesale and decoration merchants, while long-term large-amount online consumption is not very helpful to raise the amount. Banks prefer department stores, restaurants, clothing and other merchants.

It is suggested that cardholders of general card and gold card swipe their cards where they can. It is more appropriate to spend about 3 cards a month, and the monthly spending accounts for more than 5% of the total amount in the card. After using the card for 4-9 months, you will have no small surprise.

of course, the premise is that you should try your best to repay in full and on time after swiping your card, keep a good repayment record, and even withdraw the amount after the next month's quota evaluation is approved.

7. Replenishing assets

The cardholder supplements more asset certificates, such as bank passbook and real estate, to the credit card center of CITIC Bank, and submits these materials to the staff of CITIC Bank, and the amount can be withdrawn after examination.

8. swipe

this method is suitable for small cards or platinum cards. However, you need skills:

You can swipe your card within 1 days of the billing date and repay it in full 2 days before the billing date. If you continue to operate for 2 to 3 months, the probability of recommending the bank to give you an amount is about 6% after the system automatically detects it.

In addition, during holidays, China CITIC Bank will relax the limit of the line. Cardholders can apply for an increase in the temporary line first, and repay the loan in full after using the temporary line. Generally, they can increase the fixed line after applying for the temporary line twice.