The purpose of our card maintenance is to be able to utilize more capital flow. Since you have to pay a handling fee every month when using a POS machine to swipe your card, why can't you pay the handling fee and at the same time maintain your card? As for the effect of increasing the quota, this must be a topic that most people are concerned about. Without further ado, how to raise the quota by raising the card? I'll give you some suggestions.
1. Card maintenance sequence
For silk-level cardholders, whether they are applying for a card or raising a card, they need to find a few cards that are easier to increase the credit limit. Banks full of love operate it. I will give you a card maintenance order, including China Merchants Bank, China Guangfa, ICBC, Agricultural Bank of China, Ping An, Minsheng, Pudong Development Bank, China Everbright, Industrial Bank, CITIC, Hua Xia, Communications, Construction, Bank of China, friends with good hardware. There are also many options, which must be determined according to the specific situation.
2. Number of card transactions per month
Based on many years of experience in card maintenance and sharing from various customers, no matter which bank the number of transactions per month should be less than 15, and China Merchants Bank , China Construction Bank, China Guangfa, Ping An, China Everbright, and CITIC strive to make 20-30 transactions. If you have a credit card with a limit of more than 50,000, I suggest that the amount of a single credit card transaction should not exceed 30% of the total amount.
3. Monthly credit card amount
If you have a few cards, the credit limit can be increased to more than 80%, even if it is maxed out, but there are tricks to maxing out. Yes, although the bank likes you to make more contributions, it will never allow a trace of risk to appear, so the advantage of the number of credit card transactions is highlighted here. Take a bill as an example. If the bill is more than ten or twenty days away, do not During this period, the card is in the empty card stage. Even if you have made enough transactions in the past few days, you have already exhausted the card. The bank does not like this very much. I recommend keeping at least 10%-20% of the credit limit. .
These are all things that need to be paid attention to. Of course, there must be a lot of things to pay attention to when raising a card. Some things cannot be said in everyone's heart. Please communicate more about POS machines and Any questions regarding credit cards are welcome.
Many people work hard to maintain their cards, but their efforts are often in vain because they have not found a suitable method. To put it simply, increasing the limit is actually a process of maintaining a good card. Some people think that they usually do not If you keep a card and wait for some intermediaries to send you some limit increase links or internal links, then they are thinking wrong. Each bank will have some special limit increase requirements, which is even more troublesome. So let’s talk about some of the more common ways to increase your quota.
1. Use as much credit card limit as possible. Every month, use the limit given by the bank to between 50% and 80%, make large purchases from time to time, and then repay normally. Banks usually define such customers as high-quality customers. After determining whether the cardholder has a need for a large amount increase, they will increase the limit as appropriate.
2. Use credit cards to spend as much as possible. You use one credit card more than once in your hand. The more frequently you use it, the higher your demand and loyalty to the bank, and the bank will feel that you need it more.
3. Do not incur late payment fees. Once the repayment is not timely, not only will you have to pay high late fees, but it will also be recorded in the bank's credit system and will be displayed in your personal credit report. This will also affect personal loans, credit card applications, and limit increases.
4. Use temporary quota adjustment appropriately. Generally, one to three months after the credit card is opened, the credit card will prompt a temporary limit. If the temporary limit is adjusted and the repayment is timely, the bank will think that this person does have a high consumption desire and repayment ability, thus increasing the permanent limit. It will be easy too.
5. Provide property certificate. Provide real estate, cars, etc., all types of assets are available. Let the bank see your strength, which shows that you have a certain spending power and repayment ability. However, banks are also very superficial and value your financial ability more than others.
Finally, I have to say, never make late repayments or fail to repay. Overdue repayments will really affect your withdrawal amount. If the overdue time is too long, it will even affect your future. Funds and life, if the amount is large, the bank may take you to court through legal procedures.
First, I started to like credit limit increases in 2011. In 2009, a classmate from the bank invited me for a drink and said that the bank had a mission and hoped that everyone could help apply for a credit card. Several students who are doing this have basically done it, but they all feel that it is of no use. In order to save the annual fee, they occasionally go to the supermarket to purchase small commodities worth more than 10 yuan a few times, because the classmate said that the annual fee will be waived if the card is swiped five times.
Second, why is it said that raising a credit card is a systematic project? Because there are many points that need to be paid attention to and some tips for raising a credit card. It requires long-term knowledge reserves to raise a card. If you are satisfied with the card, you will feel very accomplished after you graduate. If you are not careful, the card you have carefully raised may become useless. A friend of mine has a CITIC Bank card that has reached 50,000. Due to his unreasonable consumption, the bank The card was reduced to 2,000, and I cried for a week, and finally canceled the card.
Third, raising the credit card and raising the credit limit are complementary to each other and are a long process. If you want to raise the credit card quickly, you can just do it without raising the credit card. Only when you find out that the credit limit has been reduced will you find the answer. , it is too late to regret. When maintaining a card and raising the limit, you must first look at those operations that are easy to reduce the limit. The knowledge of not reducing the limit is to maintain the card. Technical things can be done slowly, and you can understand each bank. It is more useful to read other people's experiences than to read skills.
Hello, I am Detective Ka.
How to increase the limit of your credit card? Today I will tell you about my card maintenance method. I roughly summarized it and there is a relatively simple memory method, that is, a small amount a day, a medium amount once a week, and a large amount a month.
What does it mean?
A small amount a day
It means that you have to make a small amount of consumption every day. For example, buying a pack of cigarettes or a meal in the supermarket, you have to make a small amount every day. .
One mid-week purchase
On Saturdays and Sundays, we have to make a mid-term purchase, which is about 10% of your credit card limit. A ten thousand credit card is about one thousand.
A large amount in a month
It means that you need to make at least one large amount of consumption every month, which is about 30% of your credit card limit.
The second is the requirement for POS machines; if all of them are real consumption, then with more credit cards, how much money will you earn to pay off the bills? So at this time, POS machines play a role. For us, POS is a tool; as long as it meets the following five points, then this POS machine is a machine suitable for card maintenance.
1. Safe and regular clearing (my funds are safe);
2. No code hopping (I will not be blocked by risk control);
3 The merchant is authentic and of high quality (helps increase my credit card limit);
4 The machine terminal code will change with the merchant (it will not appear that I have made dozens of transactions, dozens of Merchant, in the eyes of the bank, the results are all done on one machine, whether the bank cares or not, at least I care);
5 The level of the fee rate (after ensuring that the above four points are met) In this case, the lower the rate, the better).
If you have a purpose, a method, and a tool, you will naturally get twice the result with half the effort.
To learn more about credit cards, remember to follow "Card Detective".
Take China Merchants Bank as an example
China Merchants Bank will evaluate your card usage based on various factors, including but not limited to:
1. Card holding time If you are a new user or your limit has just been adjusted, please use the card for about half a year and try to apply;
2. Limit usage rate It is recommended that you use the card more in the first three months of application to increase the usage rate of the fixed limit;
3. Please keep your bill repayments on time every month to avoid delays;
4. Consumption patterns It is recommended that you spend at different types of merchants and use credit cards diversified.
Warm reminder: The fixed quotas for evaluation through telephone, mobile life, official WeChat and other channels are all in the same system, and the review results are consistent.
How to maintain the card:
1. Each card swipe cannot exceed 30% of the total amount.
2. You cannot empty the card completely, but leave 10%-20%.
3. Don’t always brush integers.
4. The last number of the credit card cannot always be 0, 6, 8, or 9.
5. Swipe your card between 9 am and 9 pm every day.
6. Swipe in the morning and swipe in the afternoon. A single card cannot be used more than 3 times a day, and the interval between swiping is more than 4 hours.
7. The number of credit card swipes per month is more than 25 times. 〖There should be many types of consumption, and the amount should preferably be from a few dozen yuan to a few thousand yuan, and the amount should be diversified〗
8. Make a small installment appropriately every three months.
〖This is optional, banks like to pay in installments〗
9. It is best to repay in full the next day after the bill comes out
These are the things to pay attention to when using the card. If you use the card well, you will naturally withdraw money. It's easy to raise the limit. Each bank has different raising limit standards, but they are generally similar. Please refer to them.
Ximei, chief investment officer commentator, believes: I think many people have thought about how to increase the limit of their credit cards in the short term. After a period of normal consumption after opening the card, if you feel that the money is not enough for you to control, you can call the credit card center and ask for a limit increase. Normally, it will be unsuccessful. If the comprehensive consumption score is not enough, the quota cannot be increased. If the consumption channels are not diversified enough, you will not be able to increase your quota. So what do we do? Don't worry, there is a solution below.
Normally, people who want to take shortcuts to maintain their credit cards will choose to use POS machines to cash out their credit cards. However, this operation is illegal. If you let the bank know and then increase the limit, it will definitely not be possible, and you will directly reduce the limit. Or block the card.
To choose the correct raise limit, let’s stick to the formal one. Don’t take shortcuts. It’s more important to be an honest and trustworthy person. When making daily purchases, try to use a variety of items, and don’t spend too much on just one item, otherwise you won’t be able to increase your limit. You need to make more purchases every month. The amount does not need to be very large. You need to make at least 20 purchases. People who often use credit cards should be able to do it. Go and consume some KFV, restaurants, shopping malls, supermarkets and other places. Check to see if every purchase earns points.
After talking about swiping the card, let’s talk about repayment. After swiping the card, you need to repay it in full. You cannot pay it back in installments or the minimum repayment amount.
As time goes by, the limit can be increased.
Just keep your credibility
As a veteran who has been engaged in credit card related business for 5 years, I would like to share with you my experience in maintaining a credit card.
Whether a credit card is good or not, the limit depends on how you use the card. If you ask the bank about raising the limit, the answer will always be diversified consumption. The diversified consumption method is to swipe the card, which can be said to be a POS machine. The first condition for maintaining a card is that the POS machine must ensure that the code does not skip.
The correct way to maintain a card is to pay more and pay more. Paying more means paying back the money into the credit card in multiple times. Paying more means paying out the number of credit card transactions in multiple times. Try not to lower it in a month. There are 20 transactions in a month. For example, a 2W card can be swiped out 20 times, and you can pay it back slowly, remember to enter and exit in seconds.
Maintaining a card means diversifying consumption, and diversification means the types of merchants. Although in the environment of unified rates, it is recommended that you choose more high-end merchants, mainly catering and entertainment merchants, and food, clothing and housing businesses. Auxiliary, major hotels, Ktv jewelry, antiques, health care, etc., and also some department stores, furniture and other merchants that can be used for large purchases
Here are some bank card details
1. Investment promotion For banks, check the number of transactions and the proportion of various rates. Try to make more than 20 transactions a month. Spend less than 3,000 per transaction if it exceeds 3,000. If there are more than 3,000 transactions, it may become a risk control card. Then it is best to use different payment company brands. Machines and banks are not stupid. The places where you spend every day are all machines issued by the same payment company. Since the purpose of raising a card is to increase the limit, then it is necessary to simulate real consumption, paying no attention to details, so that the bank will not be able to find it. There's no reason why I won't give you a quota increase.
China Guangfa Bank does not care about the number of transactions, but refers to the monthly usage limit, and must repay in full. The key is to pay it in installments. The installment amount must reach 20% of the quota, within half a year. There have been more than two installments, and the credit rating is very high.
Let me tell you about my personal experience in raising a card. The investment has gone from raising a card of 10,000 yuan to a temporary limit of 140,000 yuan with a fixed limit. For an E loan of more than 120,000 yuan, the total amount is only about 100,000 yuan. In less than two years, as long as the first quota increase is defeated by you, the further you go, the larger the amount of quota increase will be!
First of all, to answer the main question, if you want to increase your credit card limit, you must first take good care of your personal conditions and optimize them. The so-called financial education and raising the credit card limit are 10 to 9 times liars! If you can maintain your card by swiping other cards from a POS machine, how can anyone in this world go bankrupt? Wouldn’t the credit limit keep rising?
Secondly, when raising credit card limits, banks look at your personal hard conditions (such as house, car, bills), not your credit card bills. Look at the people around you who have large credit cards. How many of them don’t have a car or a house?
Banks are commercial in nature. Relieving emergencies but not the poor will always be the icing on the cake and will not provide help in times of need!
Finally, it is a cliché. If you want to increase your credit card limit, it is a prerequisite to ensure that the card is used normally and does not expire. Personal social security and provident funds must be paid! Then there are the higher levels, buying a house, buying a car, forging iron, you still need to be strong, all conditions are up to you!