As a senior credit manager in the credit department of a domestic joint-stock bank, I have handled no more than 5,000 credit cards, nor less than 4,000! The total amount of quota increase is 3000W per day. I have done statistics!

After reading my answer, you will have a new understanding of credit cards!

That’s how confident you are! ~ First, credit card limit increases are 100% regular! It’s just that the rules of each bank are different. I will only talk about the general tips for increasing the limit. If you want details or if you don’t understand, you can like and follow this account!

For example: Just like driving, anyone with a license can drive, and those without a license can also drive, but the licenses are also divided into C1, B1, and A1, then A1 is the license that can drive most vehicles. But in addition to the normal car driving license, there is also a license called a racing license, and what I have is a racing license, let’s take a closer look! Second, time limit. For all bank credit cards, except for China Merchants Bank and ICBC, basically the first limit increase for a new card is within 6 months!

For example: When you go to elementary school, do you have to start studying in the first grade, and then start taking exams in the sixth grade to enter junior high school? However, there are also elementary school students who do not follow the routine and can directly skip the grade. Then ICBC and Merchants belong to these two special types of students. A 3,000 yuan ICBC card can directly increase the limit to 400,000 yuan, and some can even reach 980,000 yuan! So anything is possible! Third, diversify consumption. I often hear bank customer service say that we need to diversify consumption. What exactly is diversified consumption?

For example: Today is Monday, August 1st, which is also our first billing day. August 30th is our billing cycle. In this billing cycle, on the 1st, I went shopping after get off work and bought a pair of shoes. I swiped my card. On the 2nd, I went to buy some clothes. On the 3rd, I recharged my phone bill. On the 4th, I paid the broadband and water bills for my family. On the 5th, I went out to play tomorrow and drove with gas. On the 6th, I went to the park to buy tickets with my card. On the 7th, I went to play electronic games with my girlfriend, swiped my card, etc. Everyone found that no, each purchase was at a different merchant, and of course the amount was different each time! Fourth: The amount and time of swiping the card must not be the same! If there are traces and numbers to follow, and there are certain patterns, the bank's risk control system will be triggered, and you will be listed as a risk control user, and you will extend the time for raising your limit!

For example 1: Xiao Ming likes to eat pancakes and fruits. He buys two of them every morning, with the same amount and at the same time. Although the amount is small, he only spends more than a dozen yuan every day. If he does this every day, the bank will think that Xiao Ming’s The card limit is enough, you can swipe it once a day, there is no need to increase the limit!

For example 2: Every time Xiao Wang swipes his card, the amount is a lucky number. Every time he swipes his card, numbers such as 1999, 2000, 5000, 10000, 789, 5678, etc. will also be listed as lucky numbers. Control users;

For example 3: The credit card swiping time is different from the merchant, 100% affected! I went to a breakfast restaurant in the evening and a nightclub at noon. Who would go to these two places at normal times? So code hopping kills people! We have a customer who has a Bank of China card with a credit limit of 800,000 yuan, but the credit limit has been reduced to 100,000 yuan even if the credit card is skipped. After communicating with me, a year later it was raised to 300,000 yuan again. Fifth, the long-term empty card will also affect the credit limit. Well, after tracking more than 500 cardholders, an interesting experiment found a problem. 200 of them followed our techniques, and the other 300 did not follow my guidance. After 6 months, the first 200 people, The credit card limits have increased significantly. Some of the last 300 people have overdue cards, and some have their cards blocked and their limits reduced. What exactly happened?

To put it simply: for the first 200 people, we told them that before the bill is issued at the end of each month, they must always keep at least 20% of the principal in the card, and they must not spend it. The bank will block your card and reduce the limit once you spend it. At the same time, once a week, swipe your card to make a purchase at the bank's cooperative merchant you have. The limit does not need to be too large, it can be more than a dozen yuan. It is best if you can actually spend it! One of the eldest sisters, 55 years old, had a credit card limit of 10,000 yuan. Half a year later, the limit was raised to 50,000 yuan, and she also received a loan of 30,000 yuan from the credit card.

Sixth, there can be no installment or no installment. Are you annoyed by the frequent installment calls from the bank? Although the installment calls are annoying, if you don’t give the bank a little treat, the bank will not give you any benefits!

For example: If a man and a woman just met and they said they would go to Hanting at the beginning, I believe it is definitely not true love. We and the bank must learn to fall in love. When a man and woman meet for the first time, they will definitely ask for a phone call. After talking on the phone for the second time, you can make an appointment to go out for dinner, the third time you can watch a movie, and the fourth time. Hehe, you understand that only in the long-term exchange of interests can mutual trust be established. It’s Valentine’s Day, do you want to send some gifts? This gift is in installments. How long is the installment and how much is it? According to me, just divide 50% of the bill, once a year, not more, not less. Too little will have no effect, too much will have too high a handling fee. Some people also pay monthly installments, which is wrong. Give it to the bank. A feeling of always being short of money! Seventh, bank deposits and bank balances are one of the necessary tools for raising funds! This is the reason why many people have credit card limits of hundreds of thousands. Some people never raised their quota because they didn't have any liquidity, but some people knew how to ask for advice humbly and successfully raised their quota to 100,000.

For example: Xiao Wang’s family is well-off, he has a girlfriend, and he gets engaged and married within two months. Xiao Ming’s family is in poor condition, but Xiao Ming knows that he can’t find a girlfriend, so he does it I bought a few credit cards, renovated the house, and found a girlfriend to come to my home. The girl saw that Xiao Ming was in good condition and got married within a few months. However, after the marriage, the two of them paid off the credit cards together, and they didn’t. In 2 years, all the credit card debts have been paid off. Did Xiao Ming do the right thing?

At any time, as long as you want to do something, there is nothing you can’t do, and the same goes for running water! Eighth, the card maintenance machine is also one of the key points that determine whether you can increase your limit! 9. Under what circumstances can the quota increase be fastest? The fastest way to travel abroad is by plane, and the fastest way to buy bank gifts!

Let’s talk about a case: Around June 2018, we had a customer who had a credit card limit of 20,000 yuan at that time. He asked me how to increase the limit quickly. I said that if you travel abroad, the best effect is to increase the limit. About 2 months later, he came to me and said that the limit had been raised from 20,000 to 50,000. At the same time, he also got a loan of 300,000 from the back of the card. I asked him where he had traveled!

He said: I haven’t taken my wife out to play before I got married. Just after I finished chatting with you, we went to Singapore, Malaysia, and Thailand with a group for about 12 days. As long as we went to any place , except for tipping, everything else is swiped by credit card. The two of us spent more than 10,000 yuan. It was probably less than 15 days since we came back, and the text message came. It happened to be the time you said to raise the amount, and whoosh, it was raised. I also received a loan of RMB 300,000, which was just in time for the company’s turnover. After playing, my relationship has become better, and the company is no longer short of money!

Let’s talk about another classic case: One of our eldest sisters once called the bank to sell their commemorative coins. I remember it was 2016, the Year of the Monkey. At that time, she called me and asked me about this commemorative coin. Like this, I said it has collection significance, you can buy a set and put it down. She asked again, can I use the credit card and can I increase the limit? I said that different banks have different policies. Ask the bank that called you if you can use your credit card to purchase. Based on my knowledge, I know that your bank should be able to increase the limit, and he said yes. He called the bank to ask. About half a month later, my eldest sister called me and said that his credit card was raised from 30,000 to 60,000. He bought this commemorative coin. In just over 10 days, the credit card The limit has been raised!

So friends, do you understand? Banks are just looking at who has more spending power and who has stronger ability to fulfill contracts! Tenth, whether it is the bank’s private banking customer, VIP customer, or whitelist customer!

Many people don’t know this. In fact, the level of the bank also plays a key role in the limit increase of credit card holders. This point requires you to go to the bank to learn through hard work. Of course, as a human being, it is the most important thing. The important thing is to be happy. If the people at the bank are happy, you will be happy too!

Let’s talk about a case: There is a customer who has three nothings, including no RV deposit or anything, but with just a license, he successfully obtained a credit card with a limit of 100,000 from a state-owned bank. At the same time, he has been in the industry for a year. By the time, the limit of this card had been raised to 200,000, but she had nothing!

I am Brother Mao, the account manager of the bank. Credit card limit increases are regular. Let me explain it in detail below. 1. Increase your assets in the card-issuing bank.

Cardholders should transfer funds from other banks to the card of the card-issuing bank to improve their assets and liabilities with the card-issuing bank. This will greatly improve their liability capacity. Very helpful for grading. 2. The card swiping date cannot be within two days after the statement date.

There must be signs of irregular card swiping to avoid the system judging that the cardholder is suspected of cashing out. Card swiping on different dates reflects the strong spending power of the cardholder and helps to quickly increase the limit. 3. Do not consume close to the full amount or exceed the amount.

You can spend within 80% of the credit limit, or spend more than the limit. Excess consumption means using more temporary limits, allowing the system to determine that the credit card limit is not enough for the cardholder, which helps to increase the limit. 4. Make some consumption installments, bill installments and cash installments.

Making installments will help increase the cardholder's contribution to the bank and allow the bank system to determine that he is a high-quality customer, which is very helpful in increasing the credit limit. 5. Don’t take the initiative to repay on the last day.

It is best to bind a debit card and keep sufficient funds in the debit card to repay automatically on the repayment date. This can also show that the cardholder has a strong repayment ability and help increase the limit.

There are many factors that lead to a faster credit limit increase. Whether it is card maintenance details or card maintenance tools (POS machines), they need to be strictly controlled. Needless to say, card maintenance. Without a reasonable and effective card maintenance plan, it is basically difficult to quickly increase the credit limit. Whether it is simulating real transactions, diversified transactions, reasonable repayments, and reflecting personal value, it cannot be careless. Details determine success or failure. A good The habit of swiping your credit card is very necessary.

Mainly talk about the two aspects of simulating real transactions and reflecting personal value:

Simulating real transactions: Every transaction we make needs to simulate real consumption habits, specific Time, specific location, specific merchant, and specific amount must all match each other and conform to normal logic; card swiping habits that do not conform to real transactions can easily be seen as false transactions (for example: swiping for breakfast at 8:00 in the morning It is abnormal to spend over 5,000, and it is abnormal to use entertainment merchants in the morning), and there are certain restrictions on the number of times a single card is used every day, the amount used, and the type of merchants used. Do not swipe cards at will. In short, all card swiping behaviors We must use normal consumption logic to think and swipe the card, and always remember that we will be doing real transactions and not simulating them.

Reflecting personal value: It can be divided into two aspects. One is to reflect personal consumption ability; the other is to reflect personal economic ability. Consumption energy refers to the choice of merchants, but it does not refer to large transactions. The merchants are mainly high-end merchants. Food stalls and high-end restaurants in the catering industry are two concepts, and milk tea shops and Starbucks are also two concepts. , and there are two different concepts when you spend 2,000 at the wholesale market or vegetable market and when you spend 1,000 at a well-known merchant in a shopping mall, because different merchant types reflect different personal consumption capabilities and different personal social levels. It is basically impossible for a vegetable seller to spend money at Starbucks. The consumption concept of a senior white-collar worker is naturally relatively high-end and sophisticated. Banks naturally like users like senior white-collar workers. Reflecting economic strength does not mean always making large transactions (otherwise it will not comply with normal consumption logic), nor does it mean always repaying in full (the bank needs to make more money). You can choose installments appropriately, but the amount of the installment is always If there is too much control, it will not reflect the economic strength and will be regarded as insufficient financial resources. In a word, you can have no money but you cannot let the bank think you have no money.

Now that the details of the card maintenance plan are clear, it’s time to get to the key card maintenance tool, the POS machine. A good card maintenance POS machine plays a vital role. If the POS machine is unstable, it will not work. Compliance is not reliable. Let alone raising the limit, it is already good if the limit is not reduced, because in the eyes of the bank, all your transactions are false, no matter how perfect your credit card swiping habits are.

When choosing a POS machine to support cards, you must choose carefully. Large POS machines are mainly used. Manual swiping cannot support cards for a long time or cannot support cards. A qualified large POS machine to support cards is the most important. It means merchants, stability, points, and changeable terminals. Of course, regular machine cleaning is a must. This is the prerequisite for handling any POS machine. PS: The merchants are real, locally selected, the merchants are of good quality, and the three orders are consistent. Jump code, every transaction has points, the merchant number is regular, after-sales guarantee, change terminal

The specific method is to make 25 small purchases, 3 medium purchases, and 1 large purchase every month , this is an intensive card swiping method. The 25 small-amount card swiping transactions here are relatively flexible. Individuals can flexibly match according to their own circumstances. Between 10 and 25 transactions are acceptable.

Card swiping skills six: physical card swiping vs online consumption

With the development of WeChat and Alipay, scanning QR codes has become more popular. Many people bind their credit cards to scan QR codes to pay. So, there are many People asked.

Does WeChat payment with credit card count as credit card swiping? Does spending with a credit card bound to Alipay count as a card swipe? Does online credit card payment count as credit card swiping?

The answer is, it must all be considered as swiping a card, and if the credit card is bound to Alipay or WeChat consumption, it is basically considered an online payment. It is generally recommended that there be less online payments, and the main ones are real card swiping purchases, and different banks There are different regulations for fast online payments. Some banks have points, while others do not. Moreover, banks earn less from online payment consumption, so it is recommended that online payments be as small as possible, but it is possible.

Card swiping skills seven: high-risk card swiping is not allowed

The following are the wrong ways to swipe your card. Everyone should remember and do not swipe your card in this way:

1. All The transactions are all large integers.

2. The same consumer and merchant use credit card transactions too frequently, for example, multiple times within a week. It is best not to exceed 2 times a week.

3. The transaction time is in the middle of the night and not during normal business hours.

4. Repeated card transactions at the same POS machine for several consecutive months.

5. Spend too much money on online shopping, and almost all of it is online shopping every month.

6. The number of credit card swipes is small, and only large amounts are swiped. The credit card swipe amount is relatively high, usually tens of thousands.

7. Make large purchases every month, accounting for more than 90% of the fixed amount.

8. Frequently make large transactions on mobile phones.

9. Make full monthly repayments, and the card will become empty within a few minutes after repayment.

Tip 8 for credit card swiping: Three elements for credit card swiping

The three elements for credit card swiping are: credit card swiping time, card swiping amount, and card swiping merchant.

The three are also closely integrated. Generally speaking, the time when the card is swiped, the merchant where the card is swiped, and the amount of the card swiped must match. For example, when you shop in a supermarket, you usually spend hundreds to thousands, and the amount of the card swipe is between Between 100-1000, the credit card swiping time is during normal business hours, not in the middle of the night, and other merchants can draw inferences.

That is, what kind of merchants match what amount of consumption? Why is it recommended that you use high-end merchants to make large purchases? It is a real simulation and does not make illogical card consumption. The other is to swipe cards

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It is generally recommended not to swipe your card during the day and in the middle of the night, except for hotels, KTV and other places.

Family Wealth Code Commentator Dora:

Nowadays, people basically have one card, and credit cards are no exception. There may even be more than one, and many people use it for different purposes. Similarly, some people change gifts at the end of the year in order to maintain their cards and gain points. But what should some people do if they are forced to live but still want to live a prosperous and wealthy life? Then they should swipe their credit cards first and pay them back slowly when they have money. There are also some people who need large expenses such as cars and houses to create a family. Anyway, they will be burdened with large loans every month. So for people with low credit limits, like the ones we usually give when opening a card, how can they use it to increase their credit limit quickly? What should I do to make it faster?

The following are just personal accumulated experiences and suggestions. It is recommended to use your credit card frequently, and use the card frequently for consumption, but not too frequently, just for normal daily use, and also use it in different places, such as supermarkets, KTVs, fitness venues, restaurants, etc.

One thing to note is not to spend money in one store often. Even if you go to this store often, you should allocate your money reasonably, otherwise the bank will think you are cashing out. If the cashing out is serious, , it will lead to the card being blocked, and you won’t be able to raise the amount at that time.

You must return the card promptly. I think it’s normal to raise your balance in March, and you often buy large amounts of things. Be proactive when it comes to repaying the loan. It’s best to repay it in full. The bank can also understand your consumption level and Ability to repay. It will help you raise your limit faster and the limit will be higher.

Each bank has its own logic for quick credit card limit increases. It will also be adjusted according to the different situations of your credit card. After the adjustment, you will know that the bank will recognize you more.

My personal understanding of credit card limit increase is like falling in love between a man and a woman. It depends on how you try to please the bank, yes, you have to understand the other person when you are in love, right? So if you want to raise your balance in a bank, you must get to know him. Then do what you like. And I only give it to you if I am willing to tell you the information, and I am willing to mention it to you.

Regarding the quota increase, there are actually several factors. It is your comprehensive qualification. Including your income and your debt situation, the bank only considers your repayment ability, and will also set a certain limit for you based on your spending ability.

Then raising the limit can also create an illusion for the bank, proving that you have a lot of spending power.

Generally when we are solving problems for you. We will base it on your original situation. Then we will develop a corresponding solution specifically for you. In fact, to put it simply, it makes you more sophisticated and makes the bank believe that you have greater spending power and repayment ability.

Attached below is a card I raised myself. From April, July and October this year, I have been raising the quota, and I have raised it in every period.

1. Hardware: The more information you can prepare before applying for a credit card, the better, and the more powerful the information, the better! For example: high education, good job, high salary, good working location, car and house, etc. The more information you provide, the more powerful you are, and the higher your credit limit will be when you apply!

2. Use more credit cards: food, clothing, housing, transportation, traveling, going abroad, shopping, buying a house, buying a car, etc. As long as you can use credit cards, use credit cards. Even third-party payment platforms are bound to credit cards, so you are always ready for credit card consumption! The more times you swipe your card, the greater the bank thinks your consumption needs are!

3. Credit: No overdue payments, repay on time, and maintain a good credit record. Even if you cannot repay in full, you must still pay the minimum payment! No matter what the circumstances, don’t go overdue unless you don’t want to deal with the bank in the future!

4. Installment: Installment is not cost-effective for the cardholder, but the bank likes it because the bank makes money, and this can arouse the bank's interest in you raising the limit. If the bank can't make any money from you, why is it still interested in increasing your credit limit?

5. Overseas consumption: If you use credit card for overseas consumption, the bank thinks that you can go abroad and have strong financial ability, so you are a potential customer for their credit card limit increase.

6. Buy bank financial management: Increase the interaction with the bank, buy some products of the card-holding bank when you have nothing to do, and interact with multiple banks. Now that you have become their VIP, is there any reason for them not to increase your quota for you?

7. You can apply for a credit card limit increase once every six months. You can apply through the customer service phone or app. Even if you are rejected, you can continue to apply after half a year.

8. After making large purchases on your credit card, proactively contact the credit card customer service to ask for a limit increase, and inform the bank of the urgency of the limit increase.

It is not difficult to increase your credit card limit. Let the bank see your strength and sincerity! You always have to pay back the money you use on your credit card. You need to spend rationally and within your means. Don’t let your credit card become a burden to you?

First: Multiple purchases must not exceed 3 in a single day. Remember to make purchases in the middle of the night, and the consumption must match the merchant.

Second: handle the installment business appropriately, six installments is the best, so that the handling fee will not be too much and the card issuing bank will be profitable.

Third: Develop good card usage habits and do not cancel your cards. Otherwise, the bank will take risk control measures and regard you as a risky customer, and will instead reduce your credit limit.

In short, only good card usage habits can increase your credit limit. Never spend in advance or spend extravagantly.

Carry forward positive energy, Lin Xiao has something to say

Nowadays, credit cards are no longer unfamiliar to everyone and are becoming more and more popular. How to use credit cards to increase the credit limit faster has always been a question in the circle of card friends. Hot topic, today I will share with you how we can achieve quota increase and what are the rules.

If we want the bank to increase our credit limit, the first thing we need to do is to maintain a good repayment record, diversify our consumption, and prove that we have sufficient ability to fulfill the contract. Then the bank will increase the credit limit of our cardholders. Quota. The following points are very helpful for us to increase our credit limit. I hope it can help everyone leave a comment and like it

Hello, Futures Xiaochu, as a so-called old man who has been engaged in the financial industry for more than ten years, 2006 Starting from the first credit card, I owned more than a dozen credit cards at most. I am a standard credit card expert. At the same time, as a national financial planner, I have many years of experience in use and financial management. Let me briefly answer this question

First, understand the concept of credit card

A credit card refers to an electronic payment card issued by a commercial bank or other financial institution that has all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.

Secondly, about the benefits of using credit cards

1. Credit cards are the only debt instruments with a long interest-free period and have high use value. This is not available in any other loan type. This means that for a period of time, we can spend the bank's money for free to do our own things. When money is tight, you can use a credit card to tide you over without paying interest.

2. You can accumulate personal credit. Banks generally will not easily grant credit to "white credit accounts" that have no credit record in the Credit Reference Center of the People's Bank of China. Even if credit is granted, the loan amount will be very low, and the loan interest rate will not be any preferential. Young people who have just emerged from society can accumulate personal credit by using credit cards, repaying their loans on time, and lay the foundation for applying for housing loans, car loans, and low-interest credit loans in the future.

3. You can accumulate points and participate in preferential activities.

Using a credit card, you can accumulate points and redeem them for gifts or benefits. In order to seize the market and maintain customers, various bank credit card centers have launched many preferential activities. Some activities are very powerful. Activities such as 50% off food and 1 yuan to watch movies are very cost-effective and can save a lot of money.

4. Some credit cards have powerful functions and can facilitate daily life.

The third return to this question is "How can I increase my credit card limit faster? Are there any rules?"

First, credit card limit increases are 100% regular! It's just that each bank's rules are different.

Second, time limit. For all bank credit cards, except for China Merchants Bank and ICBC, basically the first limit increase for a new card is within 6 months!

Third, diversify consumption. I often hear bank customer service say that we need to diversify consumption. What exactly is diversified consumption?

Fourth: The amount and time of swiping the card must not be the same! If there are traces and numbers to follow, and there are certain patterns, the bank's risk control system will be triggered, and you will be listed as a risk control user, and you will extend the time for raising your limit!

Fifth, long-term empty cards will also affect the limit increase. After tracking more than 500 cardholders, an interesting experiment found a problem. Among them, 200 people followed our techniques and the other 300 Without my guidance, after 6 months, the credit card limits of the first 200 people have been significantly increased, and the credit card limits of the next 300 people have been overdue, and some have had their cards blocked and their limits reduced. What exactly happened?

Sixth, there can be no installment or no installment. Are you annoyed by the frequent installment calls from the bank? Although the installment calls are annoying, if you don’t give the bank a little treat, the bank will not either. It will benefit you!

Seventh, bank deposits and bank balances are one of the necessary tools to increase your balance! This is the reason why many people have credit card limits of hundreds of thousands. Some people never raised their quota because they didn't have any liquidity, but some people knew how to ask for advice humbly and successfully raised their quota to 100,000.

At any time, as long as you want to do something, there is nothing you can’t do, and the same goes for running water!

Eighth, the card maintenance machine is also one of the key points that determine whether you can increase your credit limit!

Ninth, under what circumstances can the quota increase be fastest? The fastest way to travel abroad is by plane, and the fastest way to buy bank gifts!

Tenth, are you a private banking customer, VIP customer, or whitelist customer of the bank?

Many people don’t know this. In fact, the bank’s level also plays a key role in the limit increase of credit card holders. This point requires you to go to the bank to learn through hard work. Of course, as a human being, it is the most important thing. The important thing is to be happy. If the people at the bank are happy, you will be happy too!

Futures Xiaochu reminds everyone that credit card is a double-edged sword, it depends on how to use it. It is recommended that everyone plan and use it rationally