Credit cards are used by many friends. Sometimes it's OK to overdraw the credit card to solve the problem when the fund is in difficulty. Do you know how to increase the credit card limit? What are the ways to increase the credit card limit?
1. Select bank with high limit
For the same applicant, the amount given by different banks also varies. If you have friends with you who have credit cards from different banks, you can learn about it. Xiaobian has the credit cards of China Merchants Bank and Industrial Bank, but industrial bank gives me a higher quota!
So try to choose the credit card of the bank with high limit!
2. Provide financial proof
You can provide the bank with financial certificates such as real estate, vehicles, deposits, or high income certificates. After the bank confirms, the amount given will be higher than ordinary customers!
3. Continue to swipe the card
Continue to use credit card, ensure that every month there is consumption, and a large amount of consumption. This makes the bank feel that you are a potential and valuable customer. When you apply for an increase in the amount, the success rate is relatively high.
4. Continuous application
You can call the customer service hotline of the bank or the customer manager to ask for an increase in the credit card quota. There will definitely be a time of success!
5. Repayment on time
Whether there is any overdue overdraft, and whether the repayment record is good is also a very important aspect for the bank to consider the capital security, so if you want to increase the credit limit, it is better to repay on time and prove your repayment ability to the bank.
6. Good credit
Credit is a very important aspect of the bank, bad credit will give the bank a bad impression. And remember, each bank will provide credit report to the people's Bank of China, so it is necessary to maintain good credit not only in the credit card issuing bank, but also in all banks with business.
7. Adjustment period of full quota
Many banks have corresponding conditions for limit adjustment, such as how long the card is full, how much the consumption is full and so on. It is easier to increase the credit card limit by applying to the bank when the conditions for increasing the limit are met.