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Regarding the credit card limit, there are still many cardholders who are very concerned. However, every year, some tips will be updated in terms of card withdrawal, either in terms of card swiping or in terms of machines. However, there is one thing that has always remained the same, that is, the three elements of credit card maintenance, which have basically remained the same. Although many people now understand the cycle of each bank's increase, most cardholders generally do not raise the limit after the cycle, and many cardholders begin to be more anxious at this time.
Be sure to understand at this time. Credit card advances are based on your rating, which is often referred to as the credit system. Only when the bank's quota is raised will it be automatically raised, and if the score is not reached, even if the cycle is reached, it will fail. This is also the reason why many people have a referral quota but also fail to raise it. You must know that the bank issues a credit card to you, in addition to earning income, you must also record your credit history, which is why the bank sets an annual fee. Setting up an annual fee and reducing it requires you to use a credit card to meet the criteria for reducing the annual fee. Keeping it there means you won't be able to use your credit card, let alone raise it.
Of course, it is not absolute, and some bank credit cards can be operated through this method to have a good effect of increasing the limit. For example, it is CITIC, Bank of Communications, etc. If you don't raise the quota for a long time, you can try it by freezing the quota, and there will often be unexpected effect of the quota. However, most banks are definitely not suitable for this method, so it is not recommended that cardholders leave it all the time. If cardholders want to raise the limit quickly, it is best to use it in accordance with the bank's standards, which is the theme we share today, that is, cardholders must learn to understand the three elements of card maintenance.
These three elements were also mentioned in the previous live broadcast to share the limit increase, which are the number of credit card consumption, credit card consumption limit, and credit card diversified consumption scenarios.
The number of consumption is very simple, that is, where you can use credit card consumption, you can use credit card consumption, including offline card swiping, online code scanning and online shopping consumption. To increase the number of purchases, it is recommended that each card consume more than 20 times per bill. Secondly, you must pay attention to the consumption bill is not about the amount of money you spend, but on your consumption records and scenes, even if you go to the supermarket and spend 1 yuan with a credit card to buy a bottle of water, it is a consumption record. Even going to a brand store to consume a low-priced product is a high-quality consumption scenario, so what you want is not the amount of consumption, but the consumption record.
Then the spending limit is to increase it as much as possible. Because now many cardholders feel that their first card limit is relatively low, but have you ever thought that other banks will give you a card of 3000, but your monthly spending power is only a few hundred, this feeling to the bank is that the card limit is completely enough for your use, so that the amount will definitely not be raised in the later stage. All low-limit cardholders increase the consumption limit as much as possible in each bill, and after increasing the number of consumptions, it is very easy to raise the limit in the later stage.
Of course, cardholders must refute that they can't consume so much amount of money for their daily consumption, so they can use the machine to swipe the card to operate!
Finally, there is diversified consumption. As long as you remember that the so-called diversified consumption is a variety of consumption scenarios and a variety of merchant types. Don't rely on the consumption type of multiple merchants of one POS, because the SN code of POS is unchanged, and even MAC is unchanged, so you need to create more consumption scenarios. This has been said before, and those who have been paying attention for a long time should know it!
Doing a good job in the above three elements of banking is a process for cardholders to improve their credit card scores. Of course, although the credit card limit of some cardholders is not high, they usually use it very diligently, but they just don't raise the limit. Later, I directly consulted and found that the quota was 20,000, and I usually consumed a lot of times, but the amount of consumption was only two or three thousand, or even less than one thousand, and even less than 20% of the total consumption quota. It's strange that this kind of amount can be raised!
Of course. There are also some cardholders with a credit card limit of 20,000, who usually do not spend much, but the total consumption can reach more than 80% because there is a cash limit. In this case, as long as the card is safe, the amount can be raised. However, it still needs to be reminded, that is, if there is cash, don't be too extravagant to raise the amount, as long as it is not reduced, it is a good thing, and it is a good thing to be able to raise the amount.
Well, Lao Tan will share so much with you about credit card limit increase today, and we'll see you next time!