The fastest way to increase your credit card limit will teach you how to increase it quickly

With the increase in per capita consumption level and the acceleration of the pace of life, cardholders often feel that their credit card limit is too high Not enough. There are ways to increase credit card limits, but the cycle for increasing the limit is very long. No, many cardholders are shouting in front of them that it is too slow to increase their credit limit. I have specially summarized a few tricks to increase your limit quickly and share with you the fastest way to increase your credit card limit.

1. Swipe your credit card to increase the limit

1. Keep swiping your credit card, try to swipe it when you can, and try to ensure large purchases. It is best to keep your credit card swiping every time If you are on the verge of bursting, use 80 to 90% of your credit card overdraft limit, and when the credit card bill comes out and make sure to pay it back in full on time, the bank will recognize it as a high-quality customer with insufficient credit limit and increase your credit limit;

2. In addition, if the need for funds is very urgent, you can apply to the bank for a temporary limit increase. This can also be said to be the fastest way to increase the limit of a credit card.

2. Purchase financial management products to increase credit limit

Purchasing bank financial management products is another fastest way to increase credit card limit. As long as cardholders ensure that they can operate the financial management products freely, they can Obtain a credit card limit increase from the bank during repeated transactions.

3. Increase the credit limit by calling to cancel the credit card

This is an eccentric way to increase the credit limit, but if used well, it will become the fastest credit card credit card limit increase method. method. Cardholders can call the bank's customer service and ask to cancel the card. If your past repayment record and qualifications are very good, the bank will indicate that you are a high-quality customer and send a dedicated person to contact you, and then it will increase your credit limit.

The above three methods have their own merits, but they are undoubtedly the fastest way to increase the credit card limit. Cardholders can choose the method that suits them based on their own circumstances and quickly increase the credit card limit to their ideal standard.

How to use a credit card to increase the limit? Teach you 8 amazing operations for forehead lift!

Everyone knows that credit card limits vary from high to low. If used improperly, the bank will reduce the limit or even block the card. So what behaviors are considered "improper use", and how can you use your credit card to increase your credit limit?

1. Don’t let “poor people’s thinking” limit your credit card limit increase

Card usage behaviors such as long-term overdue payment, heavy incomings and outgoings, and credit card swiping during non-business hours all lead to credit card failure. Common reasons for card suspension and derating. Some people can't help but wonder: I never overdue, I repay when I use up, and I never make large purchases, so why is my quota reduced or unable to increase my quota? This may be due to your "poor people's thinking".

Of course, what we call "poor" does not refer to a lack of money and materials, but a lack of thinking. Many people think that credit cards are only needed by those who are short of money, or that using credit cards is actually a form of borrowing, which requires not only carrying debt but also paying interest. Therefore, even if you apply for a credit card, you will not activate it, or you will rarely use it after it is activated, and you will pay it back immediately after using it.

Although these card usage behaviors are not illegal, they may not be "welcome" to the bank. For empty cards or credit cards that are used less frequently, the bank will think that your credit limit is of no use and will reduce it for you; for credit cards that are repaid as soon as you use them and have not been installmentd for a long time, the bank will think that the contribution value is too low and may also reduce it. Forehead.

2. 8 magical operations for credit card credit limit increase, subverting your understanding

1. Credit card swipe limit: the amount of a single credit card swipe is between 50-80 of the total limit, and There should be at least 1 hour between each card swipe.

2. The amount of credit card swiping: do not use integers, such as 1000; do not use straight numbers, such as 5678; do not use decimal points for large amounts, such as numbers that are not too regular, such as 618, 918.

3. Card swiping time: try to be between 9:00-22:00, which is the normal business hours of most merchants.

4. Card swiping location: Generally speaking, the credibility of consumption records of large merchants is higher than that of ordinary small merchants.

5. Purpose of card swiping: The consumption type must conform to normal consumption habits, such as daily consumption in the morning, shopping consumption in the afternoon, and leisure and entertainment consumption in the evening.

6. Number of card swipes: The number of card swipes per month is greater than 10 and less than 30.

7. Repayment skills: Repayment on the billing day has the best credit.

8. Installment repayment: You can apply for one installment repayment every 3-6 months, allowing the bank to make some money.

The above are some tips on increasing your credit card limit. In fact, using a credit card is not only for emergency needs, but also to build up credit for yourself, which will be helpful when you need a large amount in the future.

How to increase your credit card limit quickly

Credit cards from China Merchants Bank, China Everbright, and Ping An Bank are relatively easy to apply for.

Supplementary information:

It is very simple to apply for credit cards from China Merchants Bank, Everbright and Ping An. All you need is your work badge, medical insurance card and ID card. China Merchants Bank can also directly apply and fill in the information on the official credit card website, and the bank will send the credit card after verification. In terms of quotas, these three will also be higher than the four major state-owned banks.

Extended information:

1. The application conditions for China Merchants Bank credit card are:

1. The applicant is between 18 and 60 years old and has Chinese nationality.

2. Applicants must have a relatively stable job and income, with an average monthly income of no less than 3,000 yuan.

3. The applicant must provide the bank statement of the salary card and the list of personal social security accounts for the past 6 months. If you have a car or a house, you can also provide a real estate certificate and a car driving license.

4. Applicants must have a fixed place of residence and be able to provide proof of permanent residence, daily payment receipts, etc.

5. Applicants must have good personal credit.

As we all know, the requirements for applying for a credit card from China Merchants Bank are that you are over 18 years old, have a stable job and income, have a qualified personal credit report, etc.

6. Applicants for China Merchants Bank credit cards must have certain financial ability and no bad credit record. Applicants should be between 18 and 60 years old (overseas applicants are between 25 and 60 years old).

2. Basic conditions for Everbright Bank credit card:

1. Credit card applicants must be between 18 and 65 years old (inclusive), have full capacity for civil conduct, and be legally stable Income and personal credit report in the People's Bank of China are in line with China Everbright Bank's card issuance conditions.

2. A valid original ID card must be provided upon request (including but not limited to domestic resident ID card, foreigner’s passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, etc.).

How to increase the limit of a credit card (debit card) quickly?

Credit card (credit card) can increase the limit of credit card (credit card) by swiping credit card (credit card) for consumption, but how to swipe it to achieve a more efficient purpose? Here are a few tips Great tips for everyone.

1. Use more credit cards (debit cards) to pay for large purchases. In daily life, if you have large purchases, it is recommended to use a credit card (credit card) to pay by swiping a credit card (credit card). Banks define the user's financial needs based on the user's consumption power, and the limit will naturally be enlarged;

2. Increase the frequency of credit card (debit card) consumption. In addition to paying for daily necessities, credit cards (debit cards) can be used to pay for daily expenses such as water bills, electricity bills, gas, etc. The increase in the frequency of use of credit cards (debit cards) is also conducive to increasing the limit;

3. Use multiple channels and diversified consumption methods. Daily shopping is of course the first choice. In addition, credit cards (debit cards) can be used for multi-dimensional payments such as catering, KTV, traveling abroad, purchasing insurance, etc.

In short, the use of credit cards (debit cards) involves work, life and other aspects as much as possible, so that the limit of credit cards (debit cards) can be increased very quickly.

How can I quickly increase my credit card limit?

1. Control the number and amount of credit card swipes

Credit cards need to be swiped more often to increase the limit quickly. Banks also issue credit cards to make money. The handling fee for swiping the card is one of the important incomes of the credit card business. 1. Only by spending more money with your card can you bring benefits to the bank, and the bank will be willing to increase your credit limit. Therefore, cardholders who swipe their credit cards frequently and have a high proportion of credit card swipes in a single month are more popular with banks. Generally speaking, the number of monthly purchases of a card must be more than 30, and the amount of card swipes in a single month must exceed 60% of the total credit limit, so that the application for a limit increase transaction is approved.

2. Participate in more credit card promotions

In order to encourage cardholders, banks will launch credit card promotions from time to time, including discounts and cash rebates. Participating in these promotions can save cardholders money. Cost, so cardholders can pay more attention to the card issuer's official announcements or official WeChat, etc., to grasp first-hand preferential information and actively participate, so that they can not only swipe their cards to maintain their cards, but also save money.

3. Choose the right merchant to swipe your card

Not all merchants’ card swiping transactions can generate income for banks. Some merchants do not charge card swiping fees. So, in such merchants, By swiping a card, the bank does not get much benefit. Therefore, everyone should choose the appropriate card for consumption.

4. Don’t go to a card maintenance company

The so-called card maintenance companies are actually credit card cash-out intermediaries. They use POS machines to make fake transactions to help cardholders repay their cards and charge a certain amount. For handling fees, if you hire a professional card maintenance company to maintain your card, the cardholder will bear a lot of risks, including the overdue risk of not being able to repay on time, the risk of personal information leakage, and the legal risk of cashing out the credit card, etc.!

This is the end of the introduction on how to use credit cards to increase your credit limit quickly.