1. Use credit cards more often

No matter how big or small the amount is, cardholders need to use credit cards as much as possible. If they can swipe their cards, they will definitely swipe their cards to spend. By swiping the card multiple times, the system will consider the credit card a necessity for the cardholder, and the cardholder can also accumulate a certain amount of loyalty. In this case, the bank will be willing to increase the credit card limit for the cardholder.

2. Maintain a certain credit card amount

Try to maintain a certain credit card amount every month and ensure full repayment within the specified time. However, it is not recommended that the cardholder's credit card amount exceeds the repayment ability. Once repayment is overdue or low repayment is maintained for a long time, the bank will consider that the cardholder's consumption amount does not match his income, which will have a great impact on the cardholder's future repayment. influence.

3. Be sure to maintain continuous consumption

Some banks stipulate that there must be monthly card consumption records 3 months before applying for a limit increase. This is very helpful in increasing your credit limit in the early stages of holding the card. The bank will consider that the cardholder is applying for the card for consumption and not for other purposes.

4. Seize the opportunity to increase the credit limit

Generally speaking, after half a year of normal use of a credit card, you can actively apply electronically or call the bank customer service to adjust the credit limit.

Extended information:

Generally speaking, credit card limit increases are divided into permanent limit increases and temporary limit increases. It depends on which limit increase method you want. However, one bank stipulates that you can apply for a temporary limit after 3 months of credit card use, and you can apply for a permanent limit increase after 6 months.

Tips for permanently increasing your credit limit:

1. Use your card to spend as much as possible. The number and amount of purchases using credit cards should be as high as possible. Generally speaking, the total consumption amount within six months should be at least 30, which can prove that the cardholder uses the credit card more frequently and has high loyalty to the bank. The bank's credit card center will adjust the limit based on your credit card utilization and repayment history.

2. Repay in full and on time to avoid late payment fees. After using a credit card for consumption, make sure to repay the money on time and in full before the monthly repayment date. Once the payment is overdue, not only will you have to pay high late fees, but you will also have a bad credit record, which will affect your future credit card applications. ?

3. Take the initiative to apply for a quota increase after half a year. Under normal circumstances, after using a credit card for half a year, the cardholder can actively apply to increase the temporary limit or credit limit of the credit card. Currently, there are many ways to apply for a limit increase. You can apply for a limit increase online, by phone, text message, or WeChat. The details depend on the way the bank provides services.

4. The threat of card cancellation sometimes works. Use customer service and tell the customer service staff that you want to cancel the card. Relevant personnel may try to retain them by increasing their quotas.

Baidu Encyclopedia - Agricultural Bank of China Credit Card