Swipe your card to do these seven things.
1. The frequency of swiping the card should be high, and the card can be swiped wherever the card can be swiped, and the types of merchants with more flow and card swiping will be increased.
2. The amount of credit card swiping should be consistent with the usual consumption habits, do not usually consume dozens or hundreds, and suddenly consume a large number of tens of thousands of credit cards, which is easy to be controlled by the bank.
3. Try to brush the merchants with points, the merchants with points can make the bank earn money, the bank can earn money from you, and it is not very simple to raise the amount!
4. Occasionally, you should install, occasionally brush up to 600, and make the installment profitable, so that the bank will think that you are a high-quality customer, and it is necessary to raise the amount.
5. Merchants should be switched, and you can't use one merchant every time you swipe the card, so that the bank will think that you have arbitrage behavior.
6. Cycle and recycle. Before the last payment date, the bill will start to be repaid, and the repayment will be made every day from 1 10 to 1 3Then brush it out the next day. In this way, a card only needs 1 5 to return the amount, but do not complete the operation in a short time to complete the repayment.
7. Be sure to cherish your credit, never overdue, if you can't repay the money on the last repayment date, you can call the bank, explain the situation, help you delay for 3 days, and try your best to pay it off within 3 days. 
First, China Merchants Bank's quota raising skills:
1.Multi-frequency swipe. The frequency of consumption can be more than 15 months, the first mention is 6 months, and then every 3 months.
times, as long as you brush more, the amount is comparable to a rocket!
2.Spend a lot of money. The monthly spending amount is about 70% of the credit card limit;
3.Appropriate cash instalments. When applying for a cash installment, the amount of the instalment will be used towards the credit card limit. Then credit cards.
The amount that can be used will be very small, and then after spending a large amount of money, then apply for an increase in the limit, and you can properly raise the limit.
4.Use more temporary quotas. The temporary quota can be increased very quickly, basically once a month or more, and it can be continuously increased. There is a saying circulating within China Merchants Bank that if the temporary quota is increased twice, the fixed quota can be raised once;
5.China Merchants Bank online shopping app. You can use a credit card to spend on shopping or eating, and increase your spending.
Yuanhua, and at the same time bring greater profits to the bank, there is no reason not to give you a raise;
6.consumption in Hong Kong and Macau (the effect is super good);
7.Bind WeChat, Alipay, online shopping;
8.Buy Chaoying Wealth Management.
Second, the skills of China Guangfa Bank to raise the amount: 1The amount of Guangfa Bank is self-help, and the method of raising the amount of Guangfa Bank should belong to the most entry-level means of playing credit cards, which is very simple, brush up to about 70%-80% of the limit, wait for the bill, repay the full amount, and then apply for the amount increase;
2.The maximum amount of GF Gold Card can reach 300,000, and the amount increase is faster than that of Platinum Card;
3.If you spend more than 15 times a month, you can basically withdraw more than 20% of the quota in half a year, and you can apply for a quota increase in the app.
4.GF Hope Charity ** donation, SMS "L" to 95508;
5.I like installments, and installments do not account for the quota;
6.Discover the wonderful APP-My-Card Service-View reliable values (including identity characteristics, card consumption, fulfillment ability, and interaction with our bank).
Third, the skills of Minsheng Bank to raise the amount:
1.Small amounts, you need to swipe the card to spend 10 to 20 times a month, and more high-end merchants, the amount can be hundreds or large amounts, but not too many large amounts;
2.People's livelihood does not look at the debt ratio, whether you are in debt or not, whether other credit cards are all empty, you can swipe them casually, completely systematically evaluate, as long as the card is swiped, you can raise the amount;
3.Appropriate instalments will help people's livelihood increase;
4.Apply for a temporary quota first, people's livelihood will generally be accompanied by a temporary quota before the fixed amount, so if you want to raise the fixed amount, you must first raise the temporary quota. The temporary quota for Minsheng is very short, only 15 days, and it is fixed at 30%, and Minsheng can be temporarily raised every month. If you are given a temporary quota, it is recommended to use it directly and use it all, after all, Minsheng is systematically assessed, know your demand quota, if you don't use the quota, Minsheng will think that you don't need to increase the quota;
5.Overseas consumption is a magic skill for people's livelihood, and almost 100% of it can be raised;
6.The types of businesses that people's livelihood likes: hotels, business travel, bars, entertainment venues;
7.Minsheng debit card and credit card have no half-cent relationship, your turnover and deposit may only be useful when applying for a card, after getting off the card, don't think that relying on the flow and deposit financial management to threaten the system to raise the amount, the people's livelihood system does not eat this set;
8.Minsheng Bank particularly dislikes the use of corporate cards, because the nature of the work of legal persons determines the ups and downs of wealth, so it is listed as a high-risk group, which is not conducive to the bank's risk control.
Fourth, the Agricultural Bank of China's quota raising skills:
1.Among the large banks of workers and peasants, the Agricultural Bank of China currently has the largest room for quota increase, and it can basically be steadily raised once in half a year.
The original 3+1 has expired), and the amount of ABC is not capped;
2.ABC likes to spend large amounts of money and multiple transactions, and you can raise the amount when you spend 10 to 15 times a month;
3.Hobbies: Suning, Pizza Hut, Watsons, jewelry, bars;
4.Like flow, 10 million turnover = 300,000 quota. Running water + bar = crazy raise;
5.Don't frequently call the customer service ** to apply for a quota increase, otherwise your credit report will show post-loan management.
6.Remember not to use temporary quotas, and remember not to withdraw cash at ATM! You can't use more than 85%!
7.ABC is very concerned about the excessive number of cardholders, and the increase in the amount of ABC will be greatly affected after holding more than 8 banks;
Fifth, the skills of Shanghai Pudong Development Bank to raise the amount:
1.Star Diamond Rating and Credit Score After the Star Diamond Level and Credit Score reach the standard, SPD will raise the amount + universal fund to high-quality customers!
1) The more you spend on star diamonds, the more star diamonds you have, and reaching 150 stars is a platinum diamond. To reach the platinum diamond, you need to consume 150 * 2500 = 375000, that is, brush 3750,000; It needs to be divided into 15,000 yuan by installments, and if it is calculated according to 3 installments, it needs 15,000*078%*3=RMB 351 handling fee. In addition, SPD stipulates that in order to maintain platinum diamonds, a new bill installment or cash installment must be added every three months.
2) The credit score has always maintained a good posture of swiping the card, not overdue, and the monthly repayment is 2-3 days in advance, and SPD itself will accumulate credit points for the customer. Use of credit score: about 500 points, easy to be derated and blocked; If the score is less than 700, it will affect the amount of money raised and the universal amount of money; The credit score is more than 800, and the monthly credit card consumption accounts for 30% of the total fixed amount, and the fixed amount can be withdrawn once every 3 months, and the credit score can be checked in the official WeChat account of Shanghai Pudong Development Co., Ltd.
6. Quota Raising Skills of IB: 16 months after the initial mention of IB, the later amount of the increase is 3+1 to control the debt: IB does not like high debt, and the debt should be controlled within 50%; Card swiping posture: diversified card swiping, multi-channel and multi-merchant card swiping, 15-25 purchases per month;
2.The IB card is used well, and the amount of money is raised quickly (especially Rui Platinum), and it can also be withdrawn twice. For example, if you successfully raise the quota from the app or *** today, you will go to another channel to apply for a quota increase in 1-2 days, basically 20% each time;
3.IB likes business travelers, and can apply for IB credit card with air tickets within the last 3 months;
4.IB also particularly dislikes the use of legal person cards, because the nature of the work of legal persons determines the ups and downs of wealth, so it is listed as a high-risk group, which is not conducive to the bank's risk control.
5.IB Mail Quota Method.
Sending Email: It must be the email address of your credit card statement.
E-mail: [email protected]
Email subject: name + recharge.
Body content: name, ID card, card number, mobile phone, application limit.
Attachment materials: It is recommended that the original be photographed. Other banks have large-value cards (it is best to have large-value cards issued by Guangfa), real estate certificates, provident funds, deposits, wealth management assets and other financial certificates. For example, it provides 50,000 credit cards, provident fund and social security of GF and ICBC, plus real estate certificates; Only China Merchants Bank credit card with a limit of 50,000 can be withdrawn.
Generally, IB will reply to the cardholder after a week, regardless of whether the amount is successfully raised or not.
Seventh, ICBC quota raising skills:
1.More than 25 swipes per month (as many times as possible, even if the amount is small each time), with a mix of large and small amounts;
2.ICBC likes customers with assets: buy step-by-step wealth management products, or time deposits, ** transactions;
3.Excess overpayment consumption (saving money to a credit card and then swiping);
4.Swipe star method (service star: credit card, transfer, Alipay recharge, * in and out of the account, contribution star: deposit,
Loans, foreign exchange, flows, **
5.Pledged Loan Law;
6.Gold flash borrowing and raising method.
7.ICBC Quota Raising Skills:
Authorize the provident fund, and easily withdraw 300,000 yuan with a golden flash loan!
1.Steps:
Mobile phone**ICBC APP, login ICBC mobile banking online banking;
Find: Local Service - - Second Credit Business (Gold Flash Loan, Tax Flash Loan, Social Security Flash Loan).
Go to the authorization query and submit to obtain the approval quota. At this point, don't go down, quit;
After coming out, go to the credit card limit adjustment page, and the limit increase rocket is on
2.Notes:
1.Whether it is a gold flash loan, a tax flash loan or a social security flash loan, if you make good use of it, the speed of credit card increase is comparable to that of a rocket;
2.Apply for one of the three, or authorize together (you may be able to get a higher approval limit).
Eighth, Ping An Bank Quota Raising Skills:
1.Ping An Bank credit card does not mind small purchases, but will be more concerned about the number of purchases you make. If you can every.
If you spend more than 30 times a month, it is easier to raise the amount;
2.Deposit 100,000 or more fixed deposits in the bank where the credit card you need to raise the amount is located, and Ping An's money likes to be used to lend loans and eat interest;
3.Like gas, supermarket, online shopping;
4.Purchasing Ping An Insurance, purchasing Lufax wealth management products, applying for Ping An Bank loan cards and other services can all be provided.
Bonus points for credit card advances;
5.Temporary increase, up to double;
6.Ping An's risk control is strict, and it is particularly easy to reduce the quota of public welfare merchants.
9. Everbright Bank Quota Raising Skills:
1.As a joint-stock bank, Everbright attaches great importance to the number of card swipes by customers;
2.The temporary quota is generally adjusted once every three months, and part of the temporary quota must be used after the adjustment;
3.After the bill sunrise, it is required to repay the bill in full according to the bill, correspondingly, do not installment, Everbright Bank is of high quality.
Customers are defined as customers who consume stably and are less sensitive to installments;
4.The rules of credit card limit increase of Everbright Bank are relatively simple; As long as cardholders spend more than 10 times a month, basically.
Temporary passenger quotas can be issued in the first three months; You can get a fixed amount in six months;
5.The types of merchants that Everbright Bank likes: bars, ** teahouses, cafes, accommodation services, and beauty.
Spa, department store.
10. CITIC Bank Quota Raising Skills:
1.For large purchases and full repayment, the POS machine must be a high-rate and high-quality merchant, and it will not take long to bring it up;
2.Go directly to the business branch to apply for a new card, treat yourself as a new user, fill in the information the same as the information you already hold with the CITIC Bank credit card, submit the form, 100% will get the card, 100% of your new card limit will be doubled;
3.After using the card for 6 months, make 6 purchases, repay the full amount after the bill is issued, let the card sleep, and the bank takes the initiative to raise the amount;
4.Spend more than 10 to 15 transactions per month, and the single consumption does not exceed 30% of the total quota; Hobbies of hotels and catering;
5.Commonly known as the "iron rooster", it is difficult to raise the amount, the first mention is 9 months, the risk control is second only to the Bank of Communications, and it is easy to block the card and reduce the rate. There must be no overdue, and other banks will also seal the card and reduce the amount as soon as it is overdue;
6.In CITIC, the amount of debt must be controlled in place! The monthly usage limit should never be more than 70%. Minimize your liabilities and increase your chances of raising your balance.
Eleven, Huaxia Bank to improve skills:
1.The number of card purchases, the amount and the type of merchant must be large. The amount spent within half a year is in the card amount.
More than 30% of users will be more favored by Huaxia Bank;
2.When using Huaxia Bank's credit card, you must pay attention to credit repayment on time, and if there is overdue, not only let it.
If you pay late fees and interest, it will also affect your credit investigation, and it will be difficult for you to apply for cards and loans;
3.If the number of consumption is enough, a temporary quota will often be issued; After the temporary quota is issued, you can apply for a fixed quota;
4.The risk control is strict, and the card limit under some cards is a lifetime limit.
Twelve, Bank of Communications Quota Raising Skills:
1.It is easy to get off the card, fancy the academic qualifications, and high-quality customers have an independent amount to enjoy the loan.
2.Participate in Bank of Communications activities: the most popular week.
Fifth, weekly brushing, recommended gifts.
3.It is easy to raise the amount for half a year of freezing.
4.Don't installment, Bank of Communications doesn't like installment customers.
5.Most of the transactions are made at the cooperative merchants of the Bank of Communications, such as Walmart or gas stations, and the balance is insufficient.
6.Bank of Communications is the bank with the strictest risk control among all banks, and there is no one! Manual applications are not accepted, public welfare transactions, fake merchants, short-term cross-regional transactions, single merchant types, and often large amounts of transactions.
It is easy to trigger the sub-control, resulting in card closure and derating.
7.Transportation credit card insurance increase method, at least hold the card for more than half a year, no overdue and other bad card behaviors, must be repaid in full before the operation of the amount increase, buy an insurance in the app, pay in installments on a monthly basis, the available amount in the card is lower than the insurance premium paid, and the available amount can not pay the insurance premium under normal circumstances, you will receive an invitation from the bank to raise the amount under normal circumstances.
The relevant requirements for the compliant use of credit cards are hereby reiterated as follows: 1. Restricted areas of use of funds1Credit card funds may not be used for real estate and related fields, such as buying houses, purchasing real estate, purchasing property parking spaces, paying real estate taxes, etc. 2.Credit card funds may not be used for financial or investment merchant transactions. 3.Credit card funds may not be used for gambling merchant transactions. 4.Credit card funds shall not be used for production and operation, tax payment and other transactions related to production and operation such as purchase of raw materials and payment for goods. 5.Credit card funds may not be used to repay outstanding transactions, such as credit card repayments, loans, etc. 2. Risk Management Measures: In accordance with regulatory requirements and risk management requirements, Mi Bank will continue to update and improve the relevant policies and control measures for the management of the use of credit card funds. If you use your Mihang credit card to make a transaction at a merchant in the above restricted areas, the transaction may fail. Mi Bank will strengthen the investigation and control of the use of credit card or overdraft funds found in risk monitoring for leasing, lending, cashing out, fund collection and repayment. For credit card accounts with illegal or abnormal transactions, control measures including but not limited to: warning reminders, verification, early amortization in installments, requiring early repayment of illegal amounts, reducing limits, stopping payments, etc. In order to ensure the normal use of the card, please keep the transaction vouchers (such as contracts, invoices, commodity lists, etc.) that are consistent with the purpose of the credit card transaction for verification.
As for the reasons for regulating the use of credit card funds, the bank said that it will ensure the safety of cardholders' credit card funds in accordance with national laws, regulations and regulatory requirements. Industry insiders believe that this move will help standardize the order of the credit card market and better protect the legitimate rights and interests of cardholders.
The Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business issued by the former China Banking and Insurance Regulatory Commission and the People's Bank of China pointed out that banking financial institutions should take effective measures to timely and accurately monitor and control the actual use of credit card funds. Credit card funds must not be used to repay loans, investments, or other fields, and are strictly prohibited from flowing into areas restricted or prohibited by policies.
Since the issuance of the Notice, many banks have issued relevant announcements to strictly control the flow of credit card funds. Banks have issued announcements to regulate the use of credit card funds, first of all, to meet regulatory requirements; Secondly, it can regulate the healthy development of credit card business.
Judging from the fines issued by the regulatory authorities, the flow of credit card funds is one of the key areas of focus for supervision. For example, since the beginning of this year, the administrative penalty information released by the State Financial Supervision Bureau** shows that a number of banks have been punished because of the flow of credit card funds.
Analysts said that in the future, the risk control of credit cards will be stricter, and banks should further strengthen the operation and management of credit cards. In the future, banks should further enhance their internal risk control capabilities and strengthen the risk identification of credit card cashing and loan fraud.
For cardholders, they should use credit cards rationally, not overdraw, maintain a good credit history, and make credit cards a personal "credit card".