If the cardholder wants to increase the limit of the credit card, he must first use the card according to the bank's preferences, so as to increase the limit stably. However, a good card use also needs to pay attention to the card consumption limit, the number of consumptions and diversified consumption. This is also the three essential elements of credit card limit increase that we shared in the live broadcast.
I've explained the three elements many times before. For example, the first is to increase the number of consumption, in this case, it is recommended that cardholders use credit cards to consume where they can use credit cards in the future, including offline card swiping, online code scanning and online shopping consumption. It is advisable to spend more than 20 times per card per bill. The second is to increase the consumption limit. Because nowadays, many people feel that their credit card limit is low, for example, the card limit is only 3000. However, the average monthly consumption of these cardholders is only a few hundred. In this case, it is equivalent to the amount given to you by the bank is completely enough for you to use, and there is no need to increase the limit for you. Therefore, increase the consumption limit as much as possible, which will also be of great help to you to raise the amount later.
Of course, many people say that they can't consume so much amount of money for daily consumption, so we can use the machine to create it. You can swipe out part of the credit card limit through POS, and then you can spend part of it yourself. You have to increase your spending limit to let the bank know that your credit card limit is not enough, and then increase the limit based on your card score.
Finally, diversified consumption: everyone mainly remembers that the so-called diversified consumption is the consumption of multiple consumption scenarios and various merchant types. Diversified consumption does not depend on the consumption types 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. It is also the scene mentioned earlier that can be consumed with credit cards in the process of daily consumption, so as to improve the diversification of merchant types.
After the above three elements are done, the credit card limit increase score must be very high, and at this time, through some limit raising skills, you can completely stabilize the amount increase. Of course, if you can't even spend 20% of your credit card limit and can't achieve the purpose of stimulating the increase, then don't think about raising the limit later. Secondly, some banks can also stimulate the increase through some large consumption, such as Minsheng, Shanghai Pudong Development, Bank of Communications and CCB, which are more suitable for this method.
Minsheng and Pudong Development credit cards have high spending limits, which can stimulate quota increases, while Bank of Communications and CCB credit cards have high spending limits, which can stimulate temporary quotas. I also said many times during the live broadcast that some bank credit cards can directly use the way of insufficient balance to stimulate the amount increase. In the previous financing class, there were many cardholders who had not raised the limit for a long time, and after trying this method a few times, they received a temporary notice from the bank the next day.
However, this year, there is another way to stimulate the amount increase, that is, to blow up**. The two methods sound similar, but there are differences in themselves. That is, by swiping the insufficient balance, the limit of the credit card itself has been exceeded, but the transaction has not been successful. And the swipe is overrun, although it exceeds the limit of the credit card itself, but the transaction is successful. Therefore, the two are still fundamentally different.
Secondly, different banks also have requirements for different card types to exceed the limit, which is generally around 1%-10%. For example, a credit card with a limit of 10,000 can be used at 10,100-11,000. Of course, the effect of both is the same, both are to stimulate the bank to achieve the effect of raising the amount. Of course, it should be noted that many cardholders find that the direct transaction is successful in the process of swiping the insufficient balance? This means that your card is directly overswiped. If you have a high credit card limit, then it is also okay to have a insufficient balance and a small amount of overrun in a single bill, which can also achieve the effect of stimulating the amount increase.
Of course, there are two key points to pay attention to when it comes to the suitability of swiping the card through these two methods. They are before the bill date and before the provisional due date. It is generally the best time to raise the amount before the bill is issued, and this time is very effective for the later increase if you brush it to stimulate the amount increase. Then, before the temporary expiration, the effect of raising the amount can also be achieved by stimulating the way of brushing. However, if you use these two methods, you must pay attention to the way you swipe your card.
Because these two methods are the process of increasing the debt ratio, and then involving cashing, it is easy to be controlled by risk, and stealing chickens will not make rice. It is recommended that before the balance is insufficient, do not directly brush the balance of a large amount, you can brush out most of the credit card in advance, and then do not brush again.
Others can increase daily small consumption, especially real consumption is the best, and then brush the balance is insufficient, so that the effect is better. Secondly, be sure to extend the operation cycle, not two or three days to complete the entire operation process. There are also many consumption scenarios in the current credit card channel, and it is best to choose high-quality consumption scenarios if you have the conditions, and finally choose the machine if it doesn't work.
Summary: As long as the details of the above two stimuli are paid attention to, the later increase is still very stable, especially suitable for some cardholders who do not raise the limit for a long time or usually have a low consumption limit.