How to increase the credit limit of China Construction Bank Credit Card?

The process for CCB customers to apply for credit card limit adjustment business is as follows: 1. Log in to mobile banking and apply through the "Credit Card - Card Services - Card Services - Limit Adjustment" menu. 2. Follow and enter the "China Construction Bank" WeChat official account, bind the credit card, and handle it through the "Credit Card-Bill/Repayment/Limit Management" menu. 3. Use the mobile phone number reserved when you open the card and edit the text message "CCTE#last 4 digits#expected temporary limit amount#1" and send it to 95533 to apply for a temporary limit increase, or use the mobile phone number reserved when you open the card and edit the text message "CCTE# last 4 digits" Bit #Expected Permanent Quota Amount#2" was sent to 95533 to apply for a permanent quota increase. 4. Log in to personal online banking and go through the "Credit Card - Card Manager - Limit Management - Apply for Limit Adjustment" menu. 5. Go to the home page of CCB’s official website and handle it through the “Personal Customers – Credit Card – Limit Adjustment” menu. Note: All the above channels support temporary limit adjustment, among which SMS sending, mobile banking, personal online banking and WeChat banking also support permanent limit adjustment.

(In case of business changes, please refer to the actual situation.)

The fastest way to increase the limit of China Construction Bank credit card

The method of increasing the limit: during the daily card use process , use more installments; during the process of swiping your card, pay attention to the following points: first, swipe your card more, making at least 25 purchases per month; second, diversify your consumption, it is best to use more high-rate merchants, and don’t just focus on restaurants Or wholesale merchants; the third is to cooperate with overseas machines.

You can use the card to increase the limit through bank outlets, customer service hotlines and other channels, but the limit can only be increased after using the card for at least 6 months and passing the review. It is recommended that you frequently swipe your card for consumption, repay your debt in time, and leave a good credit record. Occasionally go to high-end hotels and supermarkets to swipe your card for consumption. If you have overseas consumption records, the approval rate for limit increase will also be increased.

It is recommended to diversify your consumption and repay the entire repayment amount in your credit card bill on time. This will be more conducive to credit accumulation and limit adjustment. If you have temporary needs, you can try to apply for a temporary quota.

First, self-service voice over the phone.

Second, online banking - credit card - credit card limit adjustment.

Third, SMS quota adjustment.

How to increase the limit of China Construction Bank Credit Card

How to increase the limit of China Construction Bank Credit Card:

1. If you want to increase the limit, you must ensure a good repayment record. After using a bank credit card for consumption, make sure to repay the money on time every month before the repayment date. If there is an emergency and you cannot repay the loan in time, you can call the bank's customer service hotline to apply for certificate period repayment.

2. After holding the card for a period of time, apply for an increase in the credit limit through the customer service hotline voice of our bank or log in to online banking or call the customer service hotline

3. Apply to actively increase the temporary limit, The bank will comprehensively assess the limit range that the cardholder can increase based on the cardholder's usual consumption and repayment situation. If you use the temporary quota frequently, you can apply for a temporary quota.

4. Timing is very important. It is most effective on billing day or when the card has just been maxed out.

5. Spend as much money as possible with your credit card. The bank will make a comprehensive evaluation based on the customer's past card use. It is recommended that cardholders diversify their consumption types when swiping their cards. Some bank credit card centers will adjust the limit based on the cardholder's utilization rate and repayment record of the credit card. Adjustment.

China Construction Bank was established on October 1, 1954. The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second. In February 2017, BrandFinance released the list of the top 500 global brands in 2017, with China Construction Bank ranking 14th.

In 2018, Fortune ranked 31st among the world's top 500 companies. In December 2018, the "Top 500 World Brands 2018" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. In July 2019, it was selected into the 2019 Fortune Global 500. Ranked 40th on the list of the top 100 Chinese enterprises under the "One Belt, One Road" initiative. In December 2019, China Construction Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony. On December 18, 2019, the People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. On January 4, 2020, it won the "Sustainable Development Benefit Award" of the 2020 Finance Evergreen Award. In March 2020, it was selected as the 13th among the top 500 global brands in 2020.

How to increase the CCB credit card limit?

Customers can adjust their credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through the "Credit Card - Card Service - Limit Adjustment" menu;

2. Follow the official WeChat of "China Construction Bank", bind the credit card and handle it through the "Credit Card - Billing/Repayment/Limit Management" menu.

(In case of business changes, please refer to the actual situation.)

How to increase the limit of a credit card?

Generally, there are three types of credit card limit increases: permanent limit increase, Fixed limit increase and temporary limit increase. If you want to increase the permanent limit of CCB credit card, you can only make more purchases with the card, maintain a good repayment record and wait for the bank invitation; while increasing the temporary limit is relatively easy, call CCB credit card customer service hotline 4008200588 , just submit an application. Methods for increasing the fixed quota of China Construction Bank:

1. Maintain stable consumption. This is related to the scoring mechanism. Generally speaking, banks will consider cardholders whose card usage habits are: small amounts, frequent use, physical stores, and occasional installments, to have higher stability in card use and higher scores. This type of There is no problem if people increase their quota.

2. Submit new proof of financial resources. Banks generally do not reject customers with strong financial strength. If you can submit new financial proof to the bank, such as real estate certificate, vehicle ownership certificate, large deposit receipt, etc., it is generally not difficult to apply for a limit increase.

3. Convert temporary quota to fixed quota. Generally speaking, the success rate of converting your temporary quota to a fixed quota through online customer service is relatively high. Cardholders who want to convert the temporary limit into a fixed limit can choose online customer service on the CCB official website and submit an application. If it doesn’t work once, try twice, try a few more times.

4. Increase overseas consumption. In fact, not only China Construction Bank, but also domestic banks in general are "ha", but this is especially true of China Construction Bank. Therefore, cardholders who hope to increase their limit can do more overseas shopping or make donations from their US dollar accounts, which can also help increase their limit.

Factors affecting credit card limit:

1. Unit information: First of all, the nature of the unit, civil servants, public institutions, top 500 companies, etc. These units have strong stability and are not weak in strength. , employee welfare benefits are far better than those of private companies. If it is an ordinary company, the department and position of the employee will also affect the credit card limit.

2. Income: This income refers to annual income, but it is not calculated based on monthly salary alone. If the company has other benefits, year-end bonuses, etc., it can be converted into cash value and included in annual income. The higher the income, the higher the applicant's repayment ability, and the higher the approved credit limit.

3. Working years: Working years can reflect the applicant’s income from one side, and also explain the applicant’s stability. If you have worked for a long time and have strong stability, your income will still be slightly higher than if you have only worked for a short period of time.

4. Marital status: Marital status is also a manifestation of stability and repayment ability. The amount is judged based on marital status. It is usually like this, married with children > married without children, married without children. Education > Unmarried, this can be filled in according to your age and actual situation.

5. Personal assets: Personal assets are actually equivalent to additional guarantees. Incoming personal assets can allow banks to better recognize the applicant's repayment ability.

6. Debt ratio: The personal debt ratio can also reflect the applicant's repayment ability. If the debt ratio is high, there will definitely be less money available to repay credit cards, and the repayment ability will be relatively weak. .

This concludes the introduction on how to increase the limit of a credit card and how to increase the limit of a credit card. Have you found the information you need?