1. Never generate overdue records.

Remember to make sure the repayment is made on time. If you can't repay in time or even the minimum repayment amount, you must call the 24-hour customer service hotline of CITIC Bank in advance: 95558 or 400-889-5558, explain the reasons and apply for a grace period of several days. Credit history is an important factor in cash withdrawal by credit card. Only when the credit record is good can the amount be withdrawn.

2. The amount is large.

It is best to spend more than 30% of the total amount on credit card every month. The large amount of credit card swiping proves that the cardholder is attached to the credit card. However, there are limits. If the total amount of credit cards is too large, then your consumption amount and income will not match, and it is easy for banks to think that you are risky. For example, the monthly income is 6,000 yuan, but the monthly credit card consumption is more than 9,000 yuan. This way of consumption is to increase your own risk.

3. More consumption times

You can use your credit card as often as possible and go out shopping, whether it's a supermarket or a big shopping mall, as long as you can swipe your card, regardless of the amount. The average monthly consumption of credit cards has reached more than 20, so it is definitely easier to apply for an increase in the fixed credit line of CITIC Bank.

There are many types of businessmen.

It can be spent in as many types of merchants as possible, such as shopping malls, supermarkets, gas stations, restaurants, hotels, ktv, tourism and so on. The more types of consumption, the more extensive and comprehensive the application of credit cards in the life of cardholders, and the greater the possibility of increasing the fixed amount.

5. Bring more cash.

Within the scope permitted by banks, banks generally encourage cardholders to withdraw more cash. The more cash the cardholder withdraws, the more the bank will charge. Withdrawal can bring direct contribution to banks and benefit them directly.

Mengda Online Loan Studio suggests that if you want to increase the permanent credit limit of CITIC Credit Card, you must remember two points: First, convince CITIC Bank that you have assets and need to increase the limit; Second, let banks feel that they can benefit. Remind everyone: it is best to have enough quota. Don't blindly raise the quota for the sake of high quota. High quota is also a high risk.