1. The withdrawal time has not yet arrived. In order to increase the quota, many users are eager to increase the quota for Xin Yonggang as soon as they get off the card, but this behavior is meaningless. Because most credit card application platforms stipulate that the first withdrawal time is six billing days after the card is opened, the issuing bank will also evaluate the user's credit through this time. If the user uses the card well, it is possible to increase the credit limit, but if there is bad card use behavior, the card amount will be reduced and the card will be closed.
2. The frequency of swiping cards is low. If you want to increase the credit card limit, users should show their credit card demand and repayment ability. If the user is not active enough to swipe the card, or does not use the credit card often, even the original credit limit will not be used up, and the bank will naturally not give him an amount. Therefore, if users want to increase the credit limit, they must increase the frequency of using the card, and they must swipe the card at least 15 times a month, and the credit card is swiped alternately with large and small amounts.
3. Illegal card use. Many users use credit cards for the purpose of cashing out, but this is an act explicitly prohibited by banks. In addition, irregular credit card consumption and the use of POS machines with lower rates will all be suspected by banks of cashing out risks. If users want to increase the quota, it is best not to do so.
4. Long-term minimum repayment. Repayment by installments. Although banks provide minimum repayment or installment repayment, appropriate installment will also help to increase the amount. However, if the cardholder makes the minimum repayment or installment of the credit card bill for a long time and frequently, it will make the bank question the user's repayment ability. Under normal circumstances, in order to ensure the safety of their own funds, banks will choose to refuse to withdraw cash for users, and in serious cases, they will even reduce the quota or cancel the credit card quota for users.
Therefore, in the process of using the card, users must maintain good card use behavior, repay in full and on time, and avoid overdue and other violations. In addition, we should also consider our own needs and repayment ability, and don't blindly pursue a high amount, otherwise it is very likely that credit cards will be over-consumed.