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Increasing the credit card (debit card) limit cannot be achieved by skill alone. We need to know not only the rules for the use and storage of credit cards, but also the criteria for banks to judge whether to increase the operation of credit cards.
First of all, let's take a look at several skills to increase the credit card (debit card) limit:
1. Maintain good credit and repay in full and on time.
If you can't repay on time under the existing credit line, how can the bank increase the credit line for you?
2. Use credit cards (debit cards) as much as possible.
In addition to large consumption, credit cards (debit cards) should be used as much as possible, and all aspects of food, clothing, housing and transportation should be brushed.
How to "brush" and how much to brush can be summarized as the 2583 card-keeping rule:
3, 2583 card rules
"2" means that a single consumption should not exceed 20% of a permanent credit card (debit card).
"5" means that the amount of credit card (debit card) swiped in a single day shall not exceed 50% of the permanent limit of credit card (debit card).
"8" means that the limit of each credit card (debit card) shall not exceed 80% per month.
"3" means that the monthly limit of each credit card (debit card) shall not be less than 30%.
4. Let the bank "earn" money.
Credit card (debit card) installment, cash withdrawal and other businesses can make the bank "earn" money and charge a certain fee and interest, so the bank is naturally willing to increase the credit card (credit card) quota for you.
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The best way to increase the credit limit is to keep the credit card (debit card) in your hand, and then apply to the bank to increase the credit limit at the right time.
Naturally, it is necessary for us to find out the law and time for banks to increase their quotas.
During the peak consumption periods, such as New Year's Day, Spring Festival, May Day and November Day, banks usually take the initiative to increase the credit limit of cardholders.
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It is said that different banks have different preferences when raising the quota. The following are tips for banks to increase the credit card (debit card) quota:
China Merchants Bank: Always handle credit cards (debit cards).
China Merchants Bank likes to look at the quantity of consumption and is not sensitive to large consumption. No matter the amount, just swipe your credit card (debit card). Generally speaking, China Merchants Bank has increased its quota quickly, and the US dollar card is better than the RMB card.
ICBC: Buy wealth management.
It is the easiest for ICBC to raise the quota to below 654.38 million. You just need to brush your ICBC business friend card account into a double star. The safest way to double six stars is to buy a step-by-step wealth management product.
China Construction Bank: Using Temporary Quota Cleverly
CCB likes small amounts, many times and occasionally in stages. You can mention it once every three months, 50%-60% each time. What's more commendable is that the temporary quota can be applied for many times, and the new card quota = fixed before the card+temporary.
Agricultural Bank: Don't withdraw cash.
Agricultural bank card approval quota is not high, but the promotion quota is not capped. As long as you continue to use it and then call to apply, there is basically no problem. However, don't take the agricultural bank card to withdraw cash, or you will say goodbye to the quota increase.
Bank of China: temporary quota+new card.
Many people think that China Bank can only increase its quota once a year, so most of them just ignore it. In fact, we can combine the two methods mentioned above: apply for a temporary quota first, and then apply for a new card. The permanent quota for the new card is the fixed and temporary quota for your previous card.
China guangfa bank: large amount of credit card+short message to increase the quota.
Brush to the limit of about 80%-90%, and then apply for increasing the limit after the bill is paid off and repaid in full. Generally speaking, as long as you use the card for more than half a year, you can apply for an increase in the quota every three months. GDB's platinum card is more difficult to increase the quota than the gold card, so it is recommended to use the main credit card, and the probability and frequency of increasing the quota are higher.
Bank of Communications: Card Refund+Freeze
A. Call customer service and say that the credit limit is too low to return the card. The general customer service will keep it and tell you that someone will contact you. In the next few days, you will find that the credit limit has increased ... What a pity!
B freeze your credit card (debit card), that is, if you don't use it, it will automatically increase your quota for half a year.
Shanghai Pudong Development Bank: Proof of assets
In addition to insisting on credit card (credit card) and other factors, as long as you provide proof of assets such as real estate, cars and wealth management products, your quota will be increased immediately! If you receive the invitation of Pufa to send short messages in installments, then you are not far from the promotion quota!
Ping An Bank: Exceeded the quota.
Ping An Bank should maintain a variety of high-frequency consumption, and then let the balance in the card exceed the credit card (debit card) before applying, that is, pay more.
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Cardholders need to be reminded that many credit card (debit card) black intermediaries claim that they can quickly increase the credit card (credit card) quota without review, but in fact, illegal means such as cash withdrawal are usually used behind it.
In this way, it is very likely that the credit line will fall instead of rising, and it is also possible to steal the ID number, bank card number and password, resulting in the danger of being stolen.