Methods to increase credit card limit:

1. Use credit cards frequently, no matter how big or small the amount is, as long as you can swipe your card, you will definitely use it.

2. It is best to generate monthly bill consumption of at least 50% of the total amount.

3. If you need to increase the quota due to short-term needs such as festivals, tourism, business trips, etc., you can apply for a temporary quota increase, which will be easier to approve.

4. The bills for card consumption must be for 3 consecutive months without interruption, that is, there must be consumption every month.

5. Use less revolving credit, that is, use less of the minimum repayment amount for repayment.

6. The cardholder's repayment ability is an important factor considered by the bank. Repaying the card in full and on time shows that you have good repayment ability, which is a prerequisite for a limit increase.

7. Whether it is your personal salary, newly purchased property, or recently purchased car, etc., you can use it to prove that your personal assets have increased. Submit this information to the bank, and they will consider you as a potential user. It is very simple to increase your limit.

Extended information

Notes on using credit cards

1. Do not use credit cards as debit cards

Credit cards and debit cards are obviously different Yes, because credit cards are different from debit cards. The deposit bank does not give interest. In addition, it is easy to deposit money but difficult to withdraw cash. Even if your own money is deposited into the credit card, some credit cards will incur cash withdrawal fees when withdrawing cash.

2. After installment repayment, you need to pay a handling fee

Credit card installment repayment, regardless of any bank’s credit card, after applying for installment repayment, if you want to repay in full For repayment, handling fees will still be charged, and the handling fees are also quite large.

3. Cherish your own credit limit

You must cherish your own credit limit. No matter how big the credit limit is, it is all brought by your own credit report. Do not overdue your credit. Once it is overdue, It will have a great impact on yourself

4. Late repayment of credit card

Late repayment will leave a bad record. Two bad records may lead to the failure of the mortgage loan. Although banks have certain flexibility for overdue repayments, such as 1-3 days, each bank has different regulations. If this happens, it is best to call customer service for consultation.

Reference material Baidu Encyclopedia-Credit Card Limit