Why can't you always increase the quota, or the quota is not as good as you think, but the credit card (debit card) of friends around you increases the quota every once in a while? What are the skills for credit card (debit card) to increase the limit? So today I will analyze the points for attention in increasing the credit card (debit card). Credit card (debit card) has always been a hot topic and a thorny issue, because it is not as simple as making a phone call, sending a text message or pressing a screen button. There are many details involved in this, and the negligence of any detail will lead to your unsuccessful increase in the number of places, so the details are very important.
In order to easily increase the credit card (debit card) limit, the following three points are the minimum conditions:
1, your consumption can be recorded.
2. Your repayment ability
3. It can bring profits to the bank.
But how to prove the above three points to the bank? I have summarized the following ten details. If the credit limit has not been increased, we can see if there are the following reasons.
The card time of 1 is too short.
Every bank has a prescribed time limit for credit card (debit card) quota increase. If your credit card (credit card) does not meet the requirements of the bank, it is generally impossible to increase the limit.
There is a record of overdue repayment in the last six months.
If you have overdue records in the last six months, even if your credit card (debit card) has reached the standard, it is difficult to bring it up, because once you have overdue repayment records, the bank will think that it is very risky to lend you money.
3 The wrong card type was selected.
When we apply for a credit card (debit card), it is also important to choose the appropriate card type. Although some card types are easier to apply for approval, the restrictions of the card types themselves are relatively dead.
Even if you make good use of this card and repay it in time, it is difficult to increase the quota, because there is too little room for increasing the quota. For example, many co-branded cards are like this. It is easy to approve the card, but it is difficult to withdraw the amount after the card is issued.
4 Credit card (debit card) is not used for a long time.
If your credit card (debit card) is not used for a long time after activation, it is equivalent to wasting resources and occupying the bank credit line in vain. Although there is no capital risk in using a bank card, it will not benefit you, so don't expect the bank to increase your quota.
The monthly consumption quota is too small.
If the current credit line of your credit card (debit card) is 10000, and the monthly consumption of your credit card (debit card) is only two or three thousand yuan, then the bank will think that your spending power is not enough, and the credit line it gives you is enough, so there is no need to give you a higher credit line, resulting in a waste of resources.
6. The credit card (debit card) is in an empty card state for a long time.
Pay back the money immediately after the bill is issued every month, and then brush out all the money immediately, which basically belongs to the state of large amount of entry and exit, and there is no real consumption in the middle. Such a card is actually very dangerous, and it will face the risk of being reduced or blocked at any time, not to mention expecting the bank to increase the quota.
7 often brush to the code skipping machine
So what is a code skipping machine?
In fact, the code hopping machine means that the name of the merchant displayed on the receipt of the pos machine where you swipe your credit card (debit card) does not match the name of the merchant who realized the consumption. For example, you spend more than 1 1 at night, and you spend more than 1000 in a bath center. Results After swiping the credit card (debit card), the name of the merchant displayed on the receipt printed by the POS machine is a supermarket, but it is not.
Once we brush the code skipping machine too many times, it will be very difficult to increase the quota!
8 Frequent cash withdrawal or online consumption
Credit card (debit card) can withdraw cash once or twice occasionally, or shop online occasionally, but when you withdraw too much cash or spend too many times online, but the actual offline consumption is too little, then banks don't like it very much.
Because once you make too many withdrawals in a period of time, it will send a signal to the bank that you are short of money in the near future. The reason is that banks will think that the withdrawal fee and interest are so high. If you don't need money urgently, you won't consider withdrawing it.
Although withdrawing cash can earn a lot of interest and handling fees for banks, banks will not give timely help to users who are short of money, so let alone increase the quota.
Then why is it not good to increase the amount of online shopping? Because of online consumption, such as consumption on Taobao, Tmall or JD.COM, and because the payment and clearing institution is a third-party payment company such as Alipay or Jingdong Payment, not UnionPay.
Therefore, for every online consumption, the handling fee is quite low or there is no money at all. Do you think the bank will increase your quota? The answer can be imagined.
Always pay the minimum repayment amount.
If the credit card (debit card) is short of funds for one month occasionally, you can choose to pay the minimum repayment amount, but it is best to repay the amount owed in full after the bill is issued next month. In this case, the bank thinks that you have the ability to repay, which is only a temporary++difficulty and is desirable.
However, if your credit card (credit card) has paid the minimum repayment amount for several months in a row, the signal to the bank is that you have no repayment ability, so it is difficult to increase the limit.
Is it useful to double the overdue interest on credit cards to find a judge?
Useful.
Credit card interest doubles after the deadline. If your money can't pay interest, you can choose the minimum repayment amount, so that the loan and interest will not be affected after the deadline. After users overdraw with credit cards, they usually have an interest-free repayment period of more than 20 days to 50 days. If the cardholder's repayment is overdue, the cardholder will no longer enjoy the interest-free treatment of all the expenses of the bank last month, and the circulating interest will reach 10005 days, that is, the annual interest rate will reach 18%.
If you can't pay the interest on time, and you have signed the loans overdue contract and other related contents, you need to pay it, but if you are involved in illegal acts that violate market rules, you don't need to pay double interest again. In addition, if you don't have enough money to pay interest or are unable to pay a certain amount, you can apply for legal aid to protect your rights and interests through legal aid. If the credit card is in arrears for more than 3 months, the bank will entrust a lawyer to send a letter to the credit card user asking++. The litigation expenses shall be borne by the cardholder.
According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being collected by the issuing bank. If the amount is large, the criminal credit card will be investigated for criminal responsibility, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 20,000 yuan but not more than 200,000 yuan.
Data expansion
What if there is too much debt to repay? The debtor may negotiate with the creditor to determine the repayment time. The debtor really needs to show the creditor that he is willing to repay, but he is temporarily unable to repay, so as not to disappoint the creditor. According to the relevant provisions of the Civil Procedure Law of People's Republic of China (PRC), if the debtor is++and needs to respond actively, the debtor's failure to respond will not affect the++trial; If the debtor does not appear in court,++can make a judgment by default. At the same time, the debtor can calculate the limitation of action of the debt. If the limitation of action of the debt exceeds three years, the debtor can request the defense of the limitation of action.
Can a Spring Festival credit card (debit card) be doubled? Some real people did it.
① Check the withdrawal period of each card first. Generally, credit cards (debit cards) only have one withdrawal opportunity every 3-6 months. If we just raised the limit of a card not long ago, it will be difficult to raise the limit even if it is expensive every day during the Spring Festival.
High-value cards have the opportunity to be upgraded to platinum cards, and it is also beneficial to use them in the future. The opportunity of the Spring Festival is naturally the most important card left.
A Spring Festival, according to the best strategy we offer you, concentrate on 1 2 cards and double the quota.
This concludes the introduction of credit card doubling and credit card doubling scam. I wonder if you found the information you need from it?