The low credit card limit can't meet the demand of use, which has become the focus of many cardholders. Therefore, it is urgent for cardholders to quickly increase the credit card limit. In this issue, Rong 360 introduces several tips for quickly increasing the quota.

Know clearly how the bank transfers money.

Temporary credit card transfer-the cardholder applies for temporary credit line for the first time after successfully applying for credit card for the first time. Most banks stipulate that it takes three months to open a card and call the customer service phone of the credit card center to apply. Generally speaking, a temporary credit line is valid for 30-90 days.

After the first successful credit card application, the permanent credit card transfer holder applies for a permanent credit line for the first time. Most banks stipulate that it takes six months to open a card and call the customer service of the credit card center to apply. According to the personal credit card usage, the bank will decide whether to agree to permanently increase the credit line and give the withdrawal scope.

Time point when the bank actively adjusts the quota.

Due to the increasingly fierce competition in the domestic credit card market, most banks have stepped into the era of intensive cultivation from galloping operation, and it has become a bank's strategy to actively increase the quota of normal credit card holders. Usually, banks

Will choose New Year's Day, Spring Festival, May Day, Eleventh and other peak consumption periods, and actively increase the credit card limit of cardholders. In addition, if the monthly consumption limit of your card often reaches 60%- 100% of the usage limit, Bank I will

Generally, according to the usage situation, we will take the initiative to raise the amount for you.

Tips for daily use and quick withdrawal of credit cards

1. The frequency of swiping cards is high.

In daily life, it is best to develop the habit of swiping your card when you can. On the one hand, you can use the interest-free period of the bank for free and add a little extra wealth management income for yourself. On the other hand, you have virtually become an active user of the bank. Usually the bank will give a quota to the active users of the bank.

2. High consumption amount

Irregular large-scale consumption, which can be repaid normally afterwards, is usually defined as a quality customer by banks. After judging whether the cardholder has a large demand, increase the credit limit as appropriate.

3. Sustained and stable consumption takes a long time

Generally speaking, for credit cards with cardholders over 1 year and monthly transactions, banks will take the initiative to withdraw the amount. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are greater.

4. Cash withdrawals are frequent, and credit card installment is often done.

Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.

5. Card cancellation threat

In the era of credit card racing, if the customer service staff receives the application for returning the card, they will often beg in every way, ask the reason, and then give encouragement such as cash withdrawal and gift. However, for some state-owned banks or joint-stock banks with large card issuance, this method has gradually fallen behind and the success rate is very low.