For all modern people, is it almost a credit card? For the novice who just used the credit card, the most thing they want to do is to increase the credit card quota. How long can the credit card be used to increase the quota? How can the credit card quota be increased?
How long can the credit card be used to increase the limit
Frequent use of cards, swipe more types. At least 30% of the card quota is used every month. Try not to swipe your card on the capped machine. In general, temporary quota can be applied for within 3 months, and the maximum is 100%.
According to different banks, it can be divided into three months and six months. Very few banks can raise fixed line only one year. The maximum amount of withdrawal is 100%, but the fixed amount is difficult to raise, and the temporary amount is easier to raise.
Important conditions for applying for increasing the permanent quota:
1. The amount shall be as large as possible, and the monthly consumption amount shall be at least 30% of the quota within half a year;
2. The number of consumption should be as many as possible, with an average of more than 10 transactions per month. If more than 20 transactions are more likely to be withdrawn;
3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism, entertainment places, etc;
4. Wholesale and purchase of cars and other bulk consumption less the more easy to raise the amount;
5, online shopping, Alipay transactions and the fewer cash withdrawals, the higher the volume of applications, the easier it is to approve.
6. The type of merchant that swipes the card cannot always be similar to the nature of the business scope of the company.
Different banks' regulations on the amount of withdrawal:
Bank of Communications
Freeze your credit card, generally half a year or a year, and the amount will increase naturally. In addition, the way to get the invitation of platinum credit card is to freeze your credit card for a period of time, and then directly go overseas to consume RMB 10000-20000. You don't need to wait too long, and you will receive the SMS of the card.
Industrial and Commercial Bank of China
The most simple way for ICBC to raise the amount of less than 100000 yuan is to brush the business card account of ICBC into double seven stars. Before the double six stars, the way is to buy step-by-step financial products. Buy today, sell tomorrow, and operate repeatedly. It's easy to get double six stars. After that, it can be increased to 50000 to 100000 yuan.
Bank for economic construction
CCB likes small amount, many times, and occasionally in stages. It's better to raise it once every three months. Each time, it can be between 50% & ndash; 60%. The temporary amount can be applied for many times. The amount of new card is equal to the amount of original card plus the temporary amount.
The reason why the bank has not provided you with the limit:
No operating periods or cash withdrawals
Credit card installment or cash withdrawal are bonus items of the bank, and the cardholder needs to bear a certain handling fee. The bank is willing to see the cardholder operate the above business. Ask the bank to raise the amount after the operating installment or cash withdrawal, and the bank will simply award the approval.
Every Bill always pays in full
Some people may say that it's a good habit to keep full repayment. How can't the amount be raised? It's so for cardholders, but the bank can't get the profit from full repayment. If you repay according to the minimum amount by accident, you can't prove that your credit investigation is excellent, and you are still a customer who generates income for the bank. The bank will simply reward the amount of promotion.
Single merchant consumes too many times
The consumption times of a single merchant account for the majority. If the risk control of the bank has cash out behavior, it only needs to be monitored. This is still a matter of leisurely consumption of card swiping. Change the consumption of merchants and time as soon as possible, so as not to reduce the amount or seal the card.