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In general, credit card withdrawals come in two forms:
1. Credit card temporary quota adjustment When using a bank credit card, if you find that the approved credit limit is not enough, you need to increase the credit limit, you can apply for temporary increase of credit card quota. After the credit card temporary quota expires effectively, the credit limit will automatically return to the original quota.
2. Credit card long-term credit adjustment If the credit card holder increases the credit card amount for a long time, he/she needs to call the credit card 24-hour customer service hotline to apply for credit card quota adjustment after 6 months of card holding. The Bank of China will inform the client of the audit results within one week based on the history of the card used by the credit card holder for the past six months, and the repayment history. If the cardholder can provide some proof of assets when submitting the application, You can get a higher credit limit.
There are also ways to increase the long-term credit limit. Generally speaking, the bank will adjust the credit card quota at the fixed point of the bank according to the cardholder's card usage. This time of withdrawal may require the patient's patience to wait. However, the cardholder can apply for the amount through the following suggestions.
1. Diligently swiping the card, if you use a credit card for a large amount of credit card, if you use it frequently, it is very good for the credit card in supermarkets, restaurants, and department stores to increase the amount. The number of credit card purchases is high, which naturally indicates that you have a large demand for credit cards. If you can swipe your card to more than 60% of your credit limit every month, it will also be beneficial to increase your credit limit.
2. When providing the card, provide a comprehensive information real estate license, driving license, etc. For the person who is the first credit card, it is very helpful to increase the amount, especially the real estate license. The credit limit for the cardholder is definitely a big plus. Married, and having children are also good for bank grants.
3. Try not to use a credit card to withdraw cash. Do not withdraw cash only refers to local cash withdrawal. If it is cashed out overseas, there is no problem at all. Often there are overseas consumption and cash withdrawal is also a plus item. If the bill cannot be returned in full, it is recommended to go through the instalment and not to repay the loan in full. This is not only a matter of interest, but also makes the bank feel that your financial resources are beginning to be stretched.
4. Credit card quota is not an unlimited credit card that can increase the bank's ordinary credit card. When the amount reaches 50,000 yuan, it is difficult to raise the amount. In this case, you need to apply for a platinum card to enjoy a higher credit limit. There are also diamond cards and unlimited cards on the Platinum Card. However, these two cards are generally not available to the cardholders and require a bank invitation.
2018 Why worry? It seems that the credit card limit is not... So the question is, how to increase the credit card quota? Looking down, it’s right.
Trait 1
Repay on time, keep good credit
There is a saying in the old saying: It is not difficult to borrow and borrow. Even the bank is very concerned about whether the money it borrows can be recovered. Therefore, it is the kingly way to be favored by the bank and take the initiative to raise the amount and repay the loan in time.
Trait 2
Active credit card, multiple consumption
Jingdong sweeping goods, decoration brush, holiday dinner, eating and eating, pre-holiday dressing, dyeing and blowing all the money are money... Will the card as a way of consumption instead have surprises? Will the bank classify you as a user with a wealth of personal information that you accumulate daily? You must eat this Amway!
Trait 3
Keep "talking" with the bank to ensure the accuracy of personal information
When your mobile phone number, email address and Other information changes, remember to modify the personal information recorded by the bank in time. This will not only keep the "talk" smooth with the bank, but also make the card safer to use, which is also a bonus item.
Trait 4
Difficulties in turnover, using repayment in installments, and actively improving the activity of credit card
At the end of the year, the cost is too large and the hand is difficult to turn around? How about going through a difficult time in a small installment? Reducing the pressure of high repayment, while maintaining the activity of swiping, it is a good user in the eyes of the bank. This is a good way to double-educate, but who else will teach you?
What do you account for in the above four technical characteristics? With these four characteristics, you can easily become a high-credit, high-activity, and efficient card-holder in the bank's eyes. It is so simple to get a bank offer!
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