JD.COM Xiaobaikas are issued by China Merchants, CITIC, Minsheng, China Everbright, Huaxia, Guangzhou and Shanghai banks. How to increase the amount of small white card in JD.COM can also be considered from both JD.COM and banks.
1, JD.COM factor
JD.COM white card application. The influence of COM is very important. The consumption in JD.COM and the reputation of shopping in JD.COM will affect the amount of JD.COM Xiaobai Card. Spending more with credit cards in JD.COM, or paying in large installments in JD.COM, timely repayment and keeping a good credit record can all increase the credit card limit.
2. Bank factors
When applying for a small white card in JD.COM, the bank will review the upper limit of a given small white card according to the personal data provided by the applicant. The applicant should provide detailed and comprehensive information to the bank, which can show the personal assets. The better the personal qualification, the higher the amount of JD.COM white card given by the bank.
Taking CITIC Bank as an example, the credit line of JD.COM Xiaobai Capka is generally between 3000- 10000 RMB; The credit line of the gold card is within the range of 10000-50000 yuan; The credit limit of a platinum card is generally above 50,000 yuan. Provide as many financial documents as possible, such as real estate, deposits, etc. , will help to get a higher amount of JD.COM small white card.
(1) Apply for quota increase.
If you can repay in full and on time every month, your personal credit record is good, and you can use the small white card normally for more than a period of time, you can apply to the bank to increase the fixed amount. If you can insist on using more than 70% of the small white card every month, and swipe the card several times in the process of using the card, on the one hand, the bank will think that your credit is not enough, on the other hand, you will become a high-quality customer of the bank invisibly, so it is not difficult to naturally increase the credit of the small white card.
(2) Apply for increasing the temporary quota.
If you are in a hurry and need to increase the limit, you can call the 24-hour customer service hotline of the bank credit card center to apply for increasing the temporary limit of the small white card. The customer service of the bank will evaluate whether to approve or not according to your credit history and card usage, and usually it will. It should be noted that the temporary credit limit of bank credit cards is valid. For example, if JD.COM Everbright White Card is valid for 45 days, the expired credit line will be restored to the original fixed credit line.