2. As much as possible, CCB will make a comprehensive evaluation based on the customer's past credit card usage. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption and supermarket shopping. And spend as much as possible in physical stores. Credit Card Center of China Construction Bank will adjust the credit limit according to your credit card usage rate and repayment record.
3. Ensure a good repayment record. After using the credit card of China Construction Bank, the repayment must be guaranteed on time before the repayment date every month. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. In case of emergency, you can call the customer service hotline of China Construction Bank at 95533 to apply for deferred repayment.
4. Apply for increasing the temporary limit. Credit card holders of CCB can apply to increase the temporary limit voluntarily, and the bank will comprehensively evaluate the range of the limit you can increase according to your usual consumption and repayment. If you frequently increase the temporary limit, the bank will think that you have a strong demand for credit cards, and it is not difficult to increase the fixed limit.
Extended data:
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in 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 and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Improve quota skills
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze 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.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Third, stick to application and seize the opportunity of application.
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.
4. Threaten to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. 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.
Reference: Baidu Encyclopedia-Credit Card Limit