Increase temporary quota:
① Apply online to increase the temporary quota;
(2) Telephone banking applies for increasing the temporary quota;
③ Apply at the bank counter to increase the temporary quota.
Increase the credit limit of credit card:
(1) Cards that have been used frequently for more than half a year;
② The monthly credit card amount approaches or exceeds the credit card amount;
(3) Use a credit card and try to make a one-time repayment;
④ No bad records such as overdue;
⑤ You can apply to the bank for quota adjustment. Generally, the quota is adjusted to increase by 50%.
Bank sign
Huaxia Bank's graphic logo comes from the national treasure Yulong. Jade Dragon is a typical artifact of the Neolithic Hongshan Culture in Niuheliang, Jianping, western Liaoning, carved by xiuyan jade, Liaoning. About 5000 years ago, it was called "Yilong" in ancient China. Dragon is a symbolic image created by the Chinese nation, which embodies the soul of the national spirit. The dragon that fought all over the world and rose upward is the spiritual symbol of Huaxia Bank.
The logo is modeled on the Jade Dragon in Neolithic Age, written with the charm of a brush, and patterned to make it more concise and distinctive, showing the rich cultural heritage of Huaxia Bank.
The logo's internal modeling adopts the computer chip modeling that represents the electronic trend of modern banks, which shows Huaxia Bank's business philosophy of "prospering through science and technology" and the trend of integrating with the international community and realizing modernization at an early date.
The internal and external shapes of the logo are naturally synthesized, showing the ancient coin form of China, and visually integrating "Huaxia" with "bank", "culture" with "modernity"; Left blank on the right, with the dragon's tail moving forward, it takes off, showing the magnificent gesture that Huaxia Bank is rooted in the essence of Chinese culture for 5,000 years, creating first-class forever and striving to become a modern and international commercial bank.
Development history
1992 10, Huaxia Bank was established and started trial operation; [2]
1March, 1995, Huaxia Bank carried out shareholding system reform; [2]
In September, 2003, it went public for the first time (stock code 6000 15), becoming the fifth listed bank in China.
In June 2005, Deutsche Bank was successfully introduced as an overseas strategic investor. [33]
In June, 2008, 65438+1October, 20165438+April, 2065438+February, 2065438 and 65438+February were successfully completed. [34]
2065438+On September 20, 2008, Huaxia Bank issued a statement on the national Internet finance registration and disclosure service platform under the China Fund Industry Association, indicating that it had passed the evaluation of the personal peer-to-peer lending fund depository system (the "white list" of depository banks of P2P online lending institutions). [35]
2065438+0818125 October, Ren Yongguang, Vice President of Huaxia Bank, revealed that Huaxia Bank is applying for the establishment of a consumer finance company, and the future establishment will provide more impetus and innovation for the transformation of retail business of the whole bank. [36]
2065438+June 2009, perpetual bonds were successfully issued. [37]
On August 30th, 20021year, Huaxia Bank published the semi-annual report for 20021year. The data shows that in the first half of 20021,the bank realized a net profit attributable to shareholders of listed companies of109.8 million yuan, a year-on-year increase of 17.60%.
How to increase the temporary credit limit of Huaxia Bank?
First, the telephone withdrawal method
What should you do when your quota is insufficient and you are in a hurry to use it? At this time, you can take the initiative to call the 24-hour customer service hotline of Huaxia Bank Credit Card Center at 400-669-5577 to apply for increasing the temporary quota. If you make a lot of temporary withdrawals and repay them on time every time, then the bank will know your needs and it is not far away to withdraw a fixed amount.
Second, a large number of diversification.
The number and amount of credit card spending and the types of consumer merchants are definitely more. Within half a year, users who spend more than 30% on credit cards will be more favored by Huaxia Bank. After that, Huaxia Bank will take the initiative to raise the amount for you. The probability will be much greater. Even if you take the initiative to raise the amount, the pass rate will be much greater.
Third, there can be no overdue.
If you use Huaxia Bank's credit card, you must pay attention to credit and repay on time. If it is overdue, you will not only have to pay late fees and interest, but also have an impact on your credit information, so that you can't apply for cards and loans, which will affect your buying a house and car, getting married and starting a business.
Fourth, financial proof.
When applying for Huaxia Credit Card, family members can take out all assets, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. The higher your quota, the better, but it will vary from person to person.
Validity period of temporary credit line of Huaxia Bank
The credit card must be used for more than 3 months before you can apply for an increase in the temporary limit. The validity period of the temporary credit card limit is generally one month. You can continue to apply for a temporary credit line as long as all the arrears of the temporary credit line are paid off when the temporary credit line expires.
In other words, the general credit card temporary limit can be applied once a month, which means that after the time, you will no longer enjoy the improved temporary limit. Note that the temporary line does not enjoy the revolving interest and installment payment.
Please keep the secrets of how to increase the limit of Huaxia Credit Card.
Generally speaking, the first time you apply for a credit card, the amount approved is not very high. If the cardholder is not satisfied with the opponent's credit card limit, after holding the card for a period of time, the cardholder can apply to the bank for voluntary withdrawal. Next, I will introduce how to increase Huaxia's credit card quota.
How to increase Huaxia's credit card limit is really crucial, but first of all, we must figure out under what circumstances we can increase the credit card limit. Cardholders can take the initiative to apply for cash withdrawal, and banks will also take the initiative to withdraw the amount.
1. Cardholders voluntarily apply for withdrawal. It takes six months to open a card for the first time. You can apply by calling Huaxia Bank Customer Service Center. According to the personal credit card usage, the bank will decide whether to agree to permanently increase the credit line and give the withdrawal line.
2. The bank takes the initiative to withdraw the amount. Usually, before the peak consumption periods such as New Year's Day, Spring Festival, May Day and November Day, banks will take the initiative to increase the credit card limit of cardholders. In addition, if the monthly consumption amount of your card often reaches 60%- 100% of the usage amount, the bank will generally take the initiative to raise the amount for you according to the usage situation.
There are several tips on how to increase the limit of Huaxia credit card.
1, credit cards have skills.
1) High frequency of card swiping: In daily life, it is best to get into the habit of swiping your card whenever you can, which can not only make full use of the interest-free period of the bank, but also become an active user of the bank.
2) High consumption: If you can repay normally after spending a lot, you may be listed as a quality customer by the bank. After judging whether the cardholder has a large demand, the amount may be increased.
2. Good credit.
A good personal credit record is the standard for banks to measure cardholders. If you can repay in full during the process of using the credit card, you can choose the minimum repayment amount, but you must not overdue the repayment. Once you have a record of overdue repayment, the bank will not take the initiative to withdraw the amount for you, and it is likely to refuse your request for withdrawal.
Step 3 take the initiative
1) Take the initiative. Cardholders can submit proof of wealth management income to Huaxia Bank for application. Huaxia Bank will review its past credit card use history and repayment records, and adjust the credit card limit of the cardholder after the review is passed.
2) the threat of card withdrawal. If the withdrawal application is rejected, the card threat can be cancelled. The customer service staff of general banks will give cash withdrawal, gifts and other rewards after receiving the application for card withdrawal. However, for some state-owned banks or joint-stock banks with large card issuance, the success rate is very low by threatening to withdraw the card.
4. You can make temporary withdrawals
In case of emergency, you can apply for a temporary quota. You can call Huaxia Bank's 24-hour customer service hotline at 400-669-5577 to contact the customer service specialist. The increase of the temporary limit can take effect immediately after the application, unless the cardholder with large withdrawal or general credit status needs to be reviewed in the past, but he will usually give a reply within 2 to 3 working days.
How can I withdraw cash from Huaxia Bank's credit card? A quick method to extract inventory.
What are the requirements for Huaxia Bank to increase the credit card limit? How to increase the quota quickly? Here's Cai Xiao's explanation of Huaxia Bank's method of rapidly increasing the credit line of big guys.
Huaxia Bank Credit Card Rapid Increase Method 1
Provide sufficient economic proof when handling the card. When applying for a credit card, provide as many financial certificates as possible, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. If the cardholder has made deposits in CCB or is a civil servant, it will also help the cardholder to obtain good credit, and it will also contribute to a higher credit limit under approval;
The method of rapidly increasing the secondary credit limit of Huaxia Bank
Use credit cards as much as possible. The bank will make a comprehensive evaluation based on the customer's past card use. Opinion holders can diversify their consumption types when spending by credit card, such as household appliances consumption, catering consumption, supermarket shopping and so on. And spend as much as possible in physical stores. The credit card center of the bank will adjust the quota according to the utilization rate of the credit card and the repayment record of the cardholder;
Huaxia Bank Credit Card Rapid Increase Method 3
Ensure a good repayment record. After spending with a bank credit card, make sure to repay on time before the repayment date every month. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;
Huaxia Bank Credit Card Rapid Increase Method 4
Apply for increasing the temporary quota. Bank credit card holders can apply to voluntarily increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that the cardholder can increase according to the usual expenditure and repayment. If the temporary limit is raised from time to time, banks will think that the demand for credit cards is strong and it is not difficult to raise the fixed limit. The temporary quota needs to be paid off in one lump sum. Please be careful not to generate late fees.
So much for the introduction of how to increase the limit of Huaxia Credit Card.