The time for CITIC Credit Card to automatically adjust the limit is not fixed. The credit card limit adjustment is related to the credit card holder's card usage habits. If the system determines that the cardholder meets the conditions, it will actively increase the credit card limit.

If you want to actively apply for a limit increase, you can generally apply for a limit increase 3-6 months after opening the credit card. Whether the limit increase is approved or not will be based on the results displayed on the application page.

Generally speaking, if a credit card holder has good card usage habits, has no overdue credit, and makes frequent purchases with the card, the credit limit will be increased relatively quickly.

In fact, after using a credit card, there are mainly three installment methods when choosing installment repayment:

Cash installment:

This installment method That is to convert the credit card into a form that can be used as a cash limit in the bank, and then handle the installment repayment service in the bank. The cash installment method is mainly suitable for people who need cash urgently.

Many people want to know which one is more cost-effective compared with cash withdrawal? Cash installment repayment method is actually more cost-effective, because the cash withdrawal bank will charge handling fees and interest, and many banks have already provided cash installment repayment. There is no charge for handling fees for cash withdrawals. In fact, the interest generated is more cost-effective compared to the installment method of withdrawing cash by credit card. In fact, it is not good to withdraw cash frequently when using a credit card.

Bill installment:

This kind of installment payment means to pay the total consumption amount consumed during this period in installments after the bill comes out. Consumers do not have any pressure or hesitation when buying. When the bills come out, they are dumbfounded when they see the numbers. Some people often choose to repay the bills in installments, using this method to reduce financial pressure.

Consumption installment:

This repayment method is actually to repay one or several purchases on the bill in several installments. The amount of the installments starts from several installments. You can choose to repay in installments from hundreds to thousands or even tens of thousands.

Those who choose this method can carry out consumption installment operations as long as they are within ten days before the repayment date of these purchases. Some banks will also send text messages after the consumption installment to your mobile phone. Among them, you only need to follow the text messages and perform normal operations. So today’s consumers don’t have much problem if they want to buy brand-name bags or expensive products.

No matter which method you choose to repay by installment, you will need to pay interest or handling fees, and banks have regulations. Once you successfully choose installment repayment, if you repay in advance, you will have to pay interest or fees. It will be repaid together with any outstanding handling fees incurred later. Therefore, everyone must consider carefully when choosing to repay in installments.

Although the use of credit cards can provide certain conveniences in life, and repayment in installments can also alleviate part of the financial burden, you must understand your own financial situation before making reasonable consumption and choosing installments.