Spend more credit cards, use up the quota every month, and then call customer service to see if you can increase the temporary quota. If it can be increased (or increased after a few months), then brush off the temporary quota, so that the fixed quota can be increased soon.

You can also divide it into several stages from time to time.

Of course, the most important thing is that you should repay the loan on time, not overdue, otherwise you may not be able to repay it.