Credit cards are divided into credit cards and quasi-credit cards, which refer to credit cards with a certain credit limit that the cardholder can repay after exceeding. Quasi-credit card means that the cardholder deposits a certain amount as required. When the balance of the reserve account is insufficient, the reserve can be overpaid within the prescribed credit line. The credit card usually refers to the credit card.
If you feel that the amount is not enough, you can increase the amount in the following ways:
1, frequency of use: credit cards are often used, no matter how much they cost, as long as they can swipe their cards, they will definitely spend money.
2. Amount: It is best to generate at least 30% of the total bill every month.
3. The bill of credit card consumption needs to last for 3 months in a row, and it can't be broken in the middle, that is, there must be consumption every month.
Extended data:
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
The frequency is to swipe your card anywhere you can, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for banks to think that there is a suspicion of cash withdrawal by credit card, and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Third, stick to application and seize the opportunity of application.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.
4. Threaten to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.
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