How to increase credit card limit

Customers can adjust their credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through "Credit Card - Card Go to the "Service - Limit Adjustment" menu;

2. Follow the official WeChat account of "China Construction Bank", bind your credit card and go through the "Credit Card - Billing/Repayment/Line Management" menu.

Note: The above channels all support temporary quota adjustment and permanent quota adjustment.

(In case of business changes, please refer to the actual situation.)

How to increase the credit card limit

The method to quickly increase the credit card limit is as follows: Use credit cards more often. For consumption, keep the number of card swipes at more than 10 per month, keep the card swiping activity active, and try to diversify your consumption. You can also make some large purchases. It is best to combine online and offline consumption. Use credit cards more often to pay for daily expenses, such as phone bills, water and electricity bills, Internet bills, etc. When using a credit card, you must repay on time, maintain a good credit record, and make appropriate installment repayments.

The conditions for applying for a credit card for the first time: the minimum age is 18 years old, and the applicant has full capacity for civil conduct, has a stable career and income to ensure the individual's ability to repay principal and interest, and has a good personal credit record and no Bad credit history. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Application process:

Online application: If the user applies for business online, they must first fill in the corresponding information on the bank's official website. After filling in the relevant information, bank staff will review it. information. After passing the initial review, the bank will proactively contact the user who called to apply for a credit card and ask the user to go to a nearby bank branch for verification, or have bank staff come to verify and wait for the bank to approve again. After the review is passed, the bank will issue the credit card.

Offline application: If the user wants to apply for a credit card offline, he first needs to prepare the relevant information materials required for the application, then go to a nearby bank branch to ask the staff for an application form, fill in and submit the application materials. , and then wait for the bank's review results. After passing the review, you can get the credit card issued by the bank.

Bank of China will determine whether you meet the card application conditions and credit limit based on the personal financial resources and comprehensive credit status submitted when applying for a credit card. The general credit card limit range is from 0 to 2 million yuan.

The limit of the Bank of Beijing regular card is generally between 1,000-10,000 yuan; the limit of the gold card is between 10,000-50,000 yuan; the limit of the platinum card is generally more than 50,000 yuan. The first-time application limit for a Construction Bank credit card is determined based on the applicant's work and financial status. The credit limit ranges from 1,000 yuan to 50,000 yuan. Most people apply for a limit between 5,000 yuan and 10,000 yuan.

The fastest way to increase credit card limit

The most effective technique to increase credit card limit

1. Appropriately increase the consumption transaction amount and the basic requirements for general credit card limit increase Yes, the total consumption within six months accounts for more than 30% of the total quota. If this condition is not met, it will be more difficult to withdraw the quota. Try to maintain a certain transaction amount every month. If conditions permit, you can spend more than 70% of the total credit card limit every month. This is very helpful for increasing the limit of bank credit cards.

2. Keep consumption types diverse. If you only use the same type of card for consumption, it is easy for the bank to suspect bad behavior. Therefore, the types of merchants should be as diverse as possible: shopping malls, supermarkets, gas stations, restaurants, Hotels, tourism, entertainment venues and other daily consumption places. Why try to be as diverse as possible? According to the bank's assessment, the more diversified the customer's consumption behavior is, the more stable the customer's consumption habits are; vice versa.

3. Actively consume overseas. This method is suitable for card friends who are at the "advanced growth" stage and above. Why do I say this? Because those who are "new to the world" must have average economic conditions and are basically unable to make frequent overseas purchases.

4. Make installments frequently and repay them in full.

If you usually buy a large item and can't afford it for a while, you can choose to apply for installment. Although the installment is interest-free, you need to pay a certain handling fee to the bank. After giving the bank some benefits in this way, the speed of increasing the amount is as fast as a rocket! It doesn't take long to move from "entry level" to "moderately decent".

5. Increase the temporary quota and constantly ask for an increase in the temporary quota. For example, when your official quota reaches 50,000 and there are no bad records, you can try to apply for a temporary quota of about 80,000. Once the temporary limit expires and you repay it on time, your permanent limit can be applied to be increased according to this standard, and the chance of approval is higher.

Hidden rules for credit card installments

1. There are handling fees for bill installments. The more installments there are, the lower the installment interest rate. The installment handling fees vary from bank to bank. Whether the bill contains a bill that has been issued or a bill that has not been issued, and when applying for bill installment, the installment fee will be calculated based on the installment interest rate. Banks encourage cardholders to make installment payments. If there is no financial pressure, it is best to repay in full

2. The early repayment fee will still be charged. According to most bank regulations, once the credit card bill is Installment, if you pay the installment fee on a monthly basis, even if you repay the loan in advance, you still need to pay the fee for the remaining months.

3. There is a limit to the installment amount of the bill. Not all the consumption amounts in the bill can be installmentd. Under normal circumstances, the installment amount of the credit card bill cannot exceed 90% of the new consumption in the current period.

4. Installment cannot be done with temporary limit. If the credit card has a temporary limit, installment business cannot be done. The temporary limit must be repaid in one go. There is no minimum repayment amount. Failure to repay will affect your personal credit score.

5. Bill installments do not affect personal credit scores. Bill installments do not affect personal credit scores. Only failure to repay or missing the last payment date will affect personal credit scores.

6. The types of installments are not limited to bill installments. In addition to bill installments, there are also cash installments, transaction installments, shopping mall installments, contract installments, and special installments. Cardholders choose different installment types under different circumstances and make reasonable allocations to find the most cost-effective way.

7. Bank customer service calls to sell installment plans are too annoying. Bank installment services are all outsourced. You can call the bank customer service yourself to cancel. Tell the bank that I will handle the installment plan myself, so don’t bother me all the time.

How to increase credit card limit?

The methods to increase the credit card limit are as follows:

1. Swipe more cards. If you can use swipe cards, try to use credit cards. Wherever you can swipe cards, no matter how big or small the credit card amount is, choose to swipe cards. Firstly, The credit card amount is relatively large, and the number of card swipes can make the bank feel that you are dependent on the credit card.

2. Appropriate installments. After the credit card bill comes out, you can make appropriate installments. The number of installments should not be too long, so that the bank can make money. It is also easy to increase the amount by making a few large transactions.

3. The credit card amount must be guaranteed every month. It is best to keep the credit card amount at about 40% of the total monthly amount. The more you brush, the better. You must be realistic. For example, you earn 4,000 yuan a month, but you spend more than 10,000 yuan a month. This is of course inappropriate. This will make the bank think you are in danger and worry about whether your repayments will be late.

4. Apply to the bank for a temporary credit increase, especially during holidays, it is especially easy to apply for travel reasons.

5. Repay the loan on time without any overdue payment. If you use the card normally, the balance will be raised after 3 to 6 months.

6. Bank installment business should be handled reasonably so that the bank can make some money.

7. The types of card swiping merchants should be diversified and try to cover more than 10 industries, such as shopping malls, supermarkets, hotels, restaurants, gyms, etc.

How to increase credit card limit

As credit card consumption becomes an increasingly popular way of consumption, low credit card limit has become a pain in the hearts of many credit card users. How to increase your credit card limit?

Methods to increase your credit card limit:

1. Use your credit card frequently, regardless of the amount, as long as you can swipe your card, you will definitely swipe it.

2. It is best to generate at least 30% of the total bill consumption every month.

3. If you need to increase your quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. Continuously call for quota increase applications. Sometimes different customer service applications will be processed differently.

5. Canceling the card without increasing the limit sometimes works.

6. If you intend to deactivate a credit card for a certain period of time, in order to gain territory, banks will provide certain incentives for the activation of dormant cards, such as bonus increases.

7. The time for raising the quota is also very important. It is most effective to apply on billing day or when your card has just been maxed out.

8. The bills for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

Credit card limit review standards:

1. Marital status: Married customers are more stable than singles and are more favored by banks.

2. Professional title and working status: Technical professional title is a testimony of the customer's working ability. Practitioners in industries with higher stability will receive bonus points.

3. Financial ability: Those who provide detailed personal income certificates, stable income, and long-term prospects for income growth will receive higher ratings.

4. Personal housing: Owning a personal housing can also show that the individual has a certain financial foundation and can get extra points.

5. Credit record: If the borrower has had an account with a bank in the past and has often had funds coming in and out, the bank will also consider adding points as appropriate.

6. Education level: Graduate students and above will be rated higher.

Important conditions for applying to increase the permanent quota:

1. The amount should be as large as possible, and the total consumption within six months should be at least 30% of the quota;

2. Make as many purchases as possible, with an average of more than 10 purchases per month, and it is easier to increase the limit when reaching more than 20 purchases;

3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, and entertainment venues etc.;

4. The smaller the amount of bulk consumption such as wholesale, house and car purchases, the easier it will be to increase the limit;

5. The smaller the amount of online shopping, Alipay transactions and cash withdrawals, the easier it will be to apply for an increase in the limit. Check;

6. The types of merchants that use credit cards cannot always be similar to the nature of the business scope of the company.

How to increase your credit card limit?

Method 1 to increase your credit card limit: Spend as much as possible with your credit card

Use your credit card to spend as many times and as much as possible. Generally speaking, the total amount of consumption within six months should be at least 30 of your limit. %above. The bank's credit card center will adjust the limit based on your credit card utilization and repayment history.

In addition, compared with online consumption, it is easier to get a credit limit when swiping a card in a physical store, such as home appliance consumption, catering consumption, supermarket shopping, etc. In short, try to swipe the card when you can.

Method 2 to increase the credit card limit: actively apply for a limit 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 of the credit card or Credit limit. 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 specific method depends on the way the bank provides services.

As competition in the domestic credit card market becomes increasingly fierce, it has become a strategy for banks to take the initiative to increase credit limit for regular credit card holders. Usually, banks will take the initiative to increase credit card limits for cardholders before peak consumption periods such as New Year's Day, Spring Festival, May Day, and National Day. In addition, if your card's monthly consumption limit often reaches 60%-100% of the usage limit, the bank will generally take the initiative to increase the limit for you based on usage.

Method 3 to increase credit card limit: Repay in full and on time to avoid late payment fees

After using a credit card for consumption, make sure to repay the monthly payment in full and on time. 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. If you cannot repay the loan in time, you must call the bank's customer service hotline in advance to explain the reasons and apply for a grace period of a few days. Most banks can grant a grace period of 3 days, among which China Guangfa Bank and China Construction Bank can grant a grace period of 5 days.

This concludes the introduction on how to increase credit card limit and how to increase credit card limit. Have you found the information you need?