During the Chinese New Year, many friends' wallets are about to deflat, and it takes a lot of expenses to visit friends or return to their hometowns.
This is where credit cards can come in handy, and many people want to increase their credit card limit.
has summarized the 8 major forehead lifting tips, let's take a look.
Leave Increases. Many banks will take the initiative to invite users to raise their limits on May Day, National Day, and Spring Festival.
If you receive a text message from the bank, you can directly follow the prompts to raise the amount.
If you don't receive it, you can also take the initiative to call the bank's customer service to apply for a quota increase, and the success rate of the quota increase on holidays is higher.
Number of card swipes. Maintaining a certain number of card swipes is the basic requirement for raising the amount, and according to the feedback from cardholders, it is faster to maintain more than 15 transactions per month.
In daily life, try to use credit card transactions as much as possible, and multi-scenario and diversified consumption are the key.
Use credits. If you use a small amount of more credit cards, the more the bank sees that the more you use it, the faster the amount will be raised.
Don't run out of limits, just use 30-80% of the limit, and keep a certain amount of available credit in the card.
Bill installment. Appropriately choose a bill of more than 5,000 to repay in installments, note: if it is less than this amount, do not choose to repay in installments.
Don't worry that the installment will reduce the bank's limit, on the contrary, as long as you repay the loan on time, it will give you a faster increase, and it can also beautify the bill.
Curve Lift. If you apply for a different card type at a bank that already has a credit card, you may also increase the limit.
You can choose a higher-level card to apply for, for example, if you currently hold a regular card, you will choose a gold card when applying for a second card.
Participate in more banking activitiesMany banks will release activities for cardholders, such as anniversaries, Valentine's Day, etc., and participating more will also help to increase the limit.
Temporary quotas. When we can't apply for a fixed quota, we can apply for a temporary quota first, and then apply for a fixed quota after a few more uses.
Proof of assets. Go to the outlets to provide personal real estate, certificates of deposit, wealth management products and other information that can prove your strength to apply for a quota increase.
The reason for the failure of the amount increase is that abnormal transactions often swipe the card late at night, fast in and out, frequent large-value transactions, and transactions in different places.
Bills often contain unreasonable numbers, such as a one-time empty credit.
Sleep card. Banks that have not used the card for a long time usually do not raise the limit, and on the contrary, there is a possibility of reducing the limit.
The credit card limit is very simple, more swiping, more use, more than half a year to maintain the basic limit.
Do you have any other tips for raising your quota?
Feel free to talk to me