If the transaction date of refund and fee reduction is later than the bill date: the refund is not counted as repayment offset against the current bill, and you still need to repay the original bill amount during this period. If the transaction date of return and fee waiver is before the billing date: the returned money will be calculated as repayment according to a certain proportion, please refer to the "repayment amount in this period" inquired.
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1. Credit card limit, also known as credit card available limit, refers to the maximum amount you can use a credit card, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card. The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
2. Continuous and frequent credit card consumption can increase the credit limit. Sustainability means that after having a credit card, you should stick to long-term credit card consumption. It is best to generate credit card consumption limit every month for more than three consecutive months, instead of using it for a period of time and then freezing it for a long time. The frequency is to swipe your card anywhere you can, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for banks to think that there is a suspicion of cash withdrawal by credit card, and it is difficult to increase the quota. Pay attention to the credit card limit and temporary withdrawal, pay attention to the credit card limit and make full use of temporary withdrawal.
3. Sticking to the application and seizing the opportunity to apply can increase the number of places. Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on applying by phone to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future. The threat of card logout or hibernation pause can also increase the limit. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.