1, card time
If the card is opened less than half a year, the bank will not pass the application. Therefore, it is generally necessary to use the card for half a year before applying. If you use your card frequently, your monthly credit limit will be 70%-80%, and you can apply for a temporary credit limit after three months. The same is true for credit cards with no limit. Cardholders need to save money for consumption. The more consumption records and the larger the amount, the more favorable it is to apply for a temporary quota.
2. Online consumption is high.
For credit cards, most banks don't want too much online transactions, because there will be a great chance of cashing out credit cards online. Whether there is a credit card limit or not, it is not appropriate to generate too many online transactions.
3. There is an overdue record.
If your credit card has no limit, you need to save money for consumption, which is equivalent to a bank savings card. In this case, there is generally no overdue credit card. However, if there is a credit line, if it is overdue and you want to apply for a temporary line, the bank will definitely refuse.
4. Spending power
If your credit card is not used frequently and your credit limit is not used up, in general, when the cardholder's credit card bill shows that the credit limit is less than half, the bank will think that the current credit limit is enough for you to use. This kind of consumption record is not conducive to applying for a temporary quota.
How to apply for temporary credit line of China Construction Bank's credit card?
CCB can directly apply for temporary credit line upgrade for credit card line upgrade. If the cardholder finds that the credit line of CCB is insufficient temporarily, he can call the 24-hour service hotline of CCB 4008200588 to apply for a temporary increase in the credit line.
After the application, CCB will also examine and approve your application according to your card usage and credit status.
However, this method of temporarily adjusting the credit line has a time limit, and the longest time limit is 3 months. Upon expiration, your credit limit will be restored to the previous credit limit. Therefore, it is necessary to remind cardholders who temporarily adjust the credit line of CCB to remember the time limit for adjusting the credit line after applying for adjusting the credit line, so as not to bring unnecessary trouble to cardholders.