How to raise the limit of Huaxia credit card

How to raise the credit card of Huaxia Bank?

Increase temporary quota:

① Apply online to increase the temporary quota;

(2) Telephone banking applies for increasing the temporary quota;

③ Apply at the bank counter to increase the temporary quota.

Increase the credit limit of credit card:

(1) Having held the card for more than half a year, and frequently using the card;

② The monthly credit card limit is close to or exceeds the credit card limit;

(3) Use a credit card and try to make a one-time repayment;

④ No bad records such as overdue;

⑤ You can apply to the bank for quota adjustment. Generally, the quota is adjusted to increase by 50%.

Bank sign

The graphic logo of Huaxia Bank comes from the national treasure Yulong. Jade Dragon, a typical artifact of Neolithic Hongshan Culture in Niuheliang, Jianping, western Liaoning, was carved from xiuyan jade, Liaoning. It is about 5,000 years ago, and it is called "Yilong" in ancient China. Dragon is a symbolic image created by the Chinese nation, which embodies the soul of the national spirit. The rising dragon is the spiritual symbol of Huaxia Bank.

The logo is modeled on the Jade Dragon in Neolithic Age, written with the charm of a brush, and patterned to make it more concise and distinctive, showing the rich cultural heritage of Huaxia Bank.

The logo's internal modeling adopts computer chip modeling representing the electronic trend of modern banks, which shows Huaxia Bank's business philosophy of "prospering through science and technology" and the trend of integrating with the international community and realizing modernization at an early date.

The internal and external shapes of the logo are naturally synthesized, showing the form of ancient coins in China, and visually integrating "Huaxia" with "bank" and "culture" with "modernity"; The blank space on the right side and the dragon tail are soaring forward, which shows the magnificent gesture that Huaxia Bank is rooted in the essence of Chinese culture for 5,000 years, creating first-class forever and striving to become a modern and international commercial bank.

Development history

1992 10, Huaxia Bank was established and started trial operation; [2]

1995 In March, Huaxia Bank carried out the shareholding system reform; [2]

In September 2003, it was listed in the initial public offering (stock code 6000 15), becoming the fifth listed bank in China.

In June 2005, Deutsche Bank was successfully introduced as an overseas strategic investor. [33]

In June 2008, 65438+ 10, 20165438+April, 2065438+February 2008, and 65438+February, the three non-public offerings were successfully completed. [34]

2065438+On September 20th, 2008, Huaxia Bank issued a statement on the national Internet finance registration and disclosure service platform under the China Mutual Fund Association, indicating that it had passed the evaluation of the personal peer-to-peer lending fund depository system (the "white list" of depository banks of P2P online lending institutions). [35]

20181On October 25th, Ren Yongguang, vice president of Huaxia Bank, revealed that Huaxia Bank is applying for the establishment of a consumer finance company, and the establishment of this company will provide more impetus and innovation for the transformation of the retail business of the whole bank in the future. [36]

2065438+June 2009, perpetual bonds were successfully issued. [37]

On August 30th, 20021year, Huaxia Bank released the semi-annual report for 20021year. The data shows that in the first half of 20021,the bank realized a net profit attributable to shareholders of listed companies of109.8 million yuan, a year-on-year increase of 17.60%.

How to increase the temporary credit limit of Huaxia Bank?

First, the telephone withdrawal method

What should you do when your quota is insufficient and you are eager to use it? At this time, you can take the initiative to call the 24-hour customer service hotline of Huaxia Bank Credit Card Center at 400-669-5577 to apply for increasing the temporary limit. If you make a lot of temporary withdrawals and can repay them on time every time, then the bank will know your needs and it is not far away to withdraw a fixed amount.

Second, a large number of diversification.

The number and amount of credit card consumption and the types of consumer merchants are definitely more. Users who spend more than 30% of the credit card limit within half a year will be more favored by Huaxia Bank. After that, Huaxia Bank will take the initiative to raise the amount for you. The probability will be much greater. Even if you take the initiative to raise the amount, the pass rate will be much greater.

Third, there can be no overdue.

If you use Hua Xia Bank's credit card, you must pay attention to the credit and repay it on time. If it is overdue, you will not only have to pay late fees and interest, but also have an impact on your credit information, so you will not be able to apply for cards and loans, which will affect your buying and buying a house, getting married and starting a business.

Fourth, financial proof.

When applying for Huaxia Credit Card, family members can take out all their assets, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. Your quota will be as high as possible, but it will vary from person to person.

Validity period of temporary credit line of Huaxia Bank

The credit card must be used for more than 3 months to apply for an increase in the temporary limit. The validity period of temporary credit card limit is generally one month. As long as all the arrears of the temporary credit line are paid when the temporary credit line expires, you can continue to apply for the temporary credit line.

In other words, the general credit card temporary limit can be applied once a month, which means that you will no longer enjoy the increased temporary limit after the time. Please note that the temporary line cannot enjoy the revolving interest and installment payment.

Please keep the cheats of Huaxia credit card withdrawal.

Generally speaking, when you apply for a credit card for the first time, the amount approved is not very high. If the cardholder is not satisfied with the opponent's credit card limit, after holding the card for a period of time, the cardholder can apply to the bank for voluntary withdrawal. Next, I'd like to introduce how to increase Huaxia's credit card limit.

How to increase Huaxia's credit card limit is indeed very important, but we must first find out under what circumstances we can increase the credit card limit. Cardholders can take the initiative to apply for cash withdrawal, and banks will also take the initiative to withdraw the amount.

1. The cardholder voluntarily applies for withdrawal. It takes six months to open a card for the first time. Just call Huaxia Bank Customer Service Center to apply. The bank will decide whether to agree to permanently increase the credit limit and give the withdrawal amount according to the personal credit card usage.

2. The bank takes the initiative to withdraw the amount. Under normal circumstances, banks will take the initiative to increase the credit card limit of cardholders before the peak consumption periods such as New Year's Day, Spring Festival, May Day and November. In addition, if the monthly consumption amount of your card often reaches 60%- 100% of the usage amount, the bank will generally take the initiative to raise the amount for you according to the usage situation.

There are several tips on how to increase the limit of Huaxia credit card.

1, credit cards have skills.

1) High frequency of card swiping: In daily life, it is best to get into the habit of swiping your card whenever you have the opportunity, so that you can not only make full use of the interest-free period of the bank, but also become an active user of the bank.

2) High consumption: If you can repay normally after spending a lot, you may be listed as a quality customer by the bank. After judging whether the cardholder has a large demand, the limit may be increased.

2. Good credit.

A good personal credit record is the standard for banks to measure cardholders. If you can repay in full during the process of using the credit card, you can choose the minimum repayment, but you must not overdue the repayment. Once you have a record of overdue repayment, the bank will not take the initiative to withdraw the amount for you, and it is likely to refuse your request for withdrawal.

Step 3 take the initiative

1) Take the initiative. Cardholders can submit proof of wealth management income to Huaxia Bank and apply for it. Huaxia Bank will review its past credit card use history and repayment records, and adjust the cardholder's credit card limit after the review is passed.

2) The threat of card cancellation. If the withdrawal application is rejected, you can cancel the card threat. The customer service staff of general banks will give cash withdrawal, gifts and other rewards after receiving the application for card refund. However, for some state-owned banks or joint-stock banks with large card issuance, the success rate of card cancellation through threats is very low.

4. You can make temporary withdrawals

In case of emergency, you can apply for a temporary quota, and you can contact the customer service specialist by calling Huaxia Bank's 24-hour customer service hotline at 400-669-5577. The increase of the temporary limit can take effect immediately after the application, unless the cardholder with a large amount of withdrawals or general credit status needs to be reviewed in the past, but he will usually give a reply within 2 to 3 working days.

How can I withdraw cash from Huaxia Bank's credit card? Rapid inventory extraction method.

What are the requirements for Huaxia Bank to increase the credit card limit? How to increase the quota quickly? Cai Xiao will explain how Huaxia Bank can quickly increase the credit limit of major customers.

Fast credit card withdrawal method of Huaxia Bank 1

Provide sufficient financial proof when applying for a credit card. When applying for a credit card, provide as many financial certificates as possible, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. If the cardholder has deposited money in China Construction Bank or is a civil servant, it will also help the cardholder to obtain good credit and a higher credit limit in the examination and approval;

Method 2 for rapidly increasing the credit line of Huaxia Bank

Use credit cards as much as possible. The bank will make a comprehensive evaluation based on the customer's past card use. When opinion holders use credit cards, they can diversify their consumption types, such as household appliances consumption, catering consumption, supermarket shopping and so on. And spend as much as possible in physical stores. The credit card center of the bank will adjust the quota according to the utilization rate of the credit card and the repayment record of the cardholder;

Method 3 of Fast Credit Card Withdrawal of Huaxia Bank

Ensure a good repayment record. After spending with a bank credit card, make sure to repay 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. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;

Huaxia Bank Credit Card Fast Withdrawal Method 4

Apply for increasing the temporary quota. Bank credit card holders can apply to increase the temporary limit voluntarily, and the bank will comprehensively evaluate the limit range that the cardholder can increase according to the usual expenditure and repayment. If the temporary limit is raised from time to time, banks will think that there is a strong demand for credit cards, and it is not difficult to raise the fixed limit. The temporary limit needs to be paid in one lump sum. Please be careful not to generate late fees.

So much for the introduction of how to raise the amount of Huaxia credit card.