How to apply for temporary credit line of Industrial Credit Card?

What is the credit card limit of Industrial Bank and how to improve it?

Credit card limit of Industrial Bank:

Generally, the amount of a general card does not exceed 10000 yuan, depending on your personal application conditions.

The main difference between a Puka and a Gold Card is the amount of credit and the annual fee. Generally, the amount of ordinary cards does not exceed 1 10,000 yuan, and the amount of gold cards generally does not exceed 50,000 yuan. The annual fee for Puka is generally 100 yuan, and the annual fee for Gold Card is generally 200 yuan.

If the credit card limit of Industrial Bank can't meet the needs of current users, cardholders can choose to increase the limit. There are usually two methods:

1. Apply for temporary withdrawal: users can apply to the Industrial Bank Credit Card Center for short-term withdrawal, and after approval, they can withdraw 1-3 months for temporary withdrawal.

2. Apply for permanent withdrawal: Users can only apply for permanent withdrawal from the Industrial Bank Credit Card Center after holding the card for more than half a year. This method is once and for all. Once the quota is increased, there will be no time limit.

Conditions for applying for withdrawal:

1, the financial certificate should be sufficient.

When applying for withdrawal, I should provide proof of my financial resources as far as possible, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. With these supporting materials, the amount will naturally be higher. If you have a deposit in Industrial Bank in the future, you can apply for withdrawal immediately, and the success rate is very high.

2. There shall be no overdue records.

Credit record is an important factor to judge the withdrawal amount of credit card. Remember to ensure timely repayment. If you can't repay in time, even the minimum repayment amount is not paid, you must call the 24-hour customer service hotline of Industrial Bank in advance: 9556 1, explain the reasons and apply for a grace period of several days.

3. Use credit card as much as possible.

The number and amount of credit card consumption and the types of consumer merchants should be as much as possible. Within half a year, the total credit card consumption should be above 30% of the quota. If you can only use a small amount of credit every month, it doesn't make much sense even if the bank gives the credit.

How to open the limit of Industrial Credit Card?

If users need the service of Industrial Credit Card exceeding the limit, they can edit the short message to the special number of Industrial Credit Card to complete the opening. Or users can call the customer service hotline and go to the bank counter to directly open the over-limit service. After the over-limit function is enabled, the user's credit card can be used over-limit, but the over-limit use needs to pay a certain over-limit fee.

Users can also try to apply for a temporary credit card limit. After the application is successful, they only need to use it within the validity period without paying extra fees.

Credit card cancellation method:

1. Call the bank credit card center to inquire about cancellation, mainly depending on whether your card is suitable for cancellation and whether there is a balance. When the credit card is cancelled by phone, the bank will accept the user's application for cancellation of the credit card after receiving the phone call, and after deducting the annual fees receivable from all the cards under its account, the account balance will be zero or the customer will definitely give up the remaining deposits in the account.

Second, cancel the credit card at the bank counter. The cardholder must bring his ID card and the credit card to be cancelled to the bank to fill out the card cancellation application form. You can receive the card first, and then cancel it one month later, but you can also make an appointment to cancel your account directly on the day of card cancellation.

In addition, credit card cancellation is divided into card cancellation and account cancellation. It is recommended to cancel the account after canceling the card, otherwise there may be some problems in applying for a credit card again. If there are still points in the credit card that need to be cancelled, it is recommended to redeem them all before canceling the card; After submitting the card cancellation application, the cardholder shall not use the credit card again before it takes effect, otherwise the card cancellation application will be automatically revoked; After formal cancellation, cut it along the magnetic stripe of the credit card and discard it to prevent theft.

If the cardholder's credit card limit is very low and chooses to cancel the credit card at this time, the cardholder also needs to pay attention to his card holding situation. If you apply for a 1 time credit card, I suggest that you don't cancel it, because with this credit card, you can better support your personal credit, and it is very helpful to improve your personal credit by swiping the card, which is also very helpful for handling credit cards of other banks in the future. If the cardholder holds a large number of credit cards and thinks that his credit cards are sufficient and wants to cancel them, then the cardholder also needs to seriously consider when applying for cancellation. If he holds too many credit cards, it will become more and more difficult to apply for credit cards and it will become easier to cancel them.

What are the solutions to the insufficient credit card limit of Xingye?

Many bank credit cards have the function of exceeding the limit, so that cardholders can overspend. However, many people failed to overdraw Industrial Credit Card. What are the solutions to the insufficient credit card limit of Xingye?

1. Apply for a temporary credit line: the cardholder can apply for a temporary credit line from the bank after using the card for 3 months and maintaining good behavior in using the card. The bank will increase the credit line after comprehensive evaluation, and he can check the credit record of the cardholder regardless of whether the credit line is increased or not.

2. Increase the repayment amount: the available amount can be restored after the credit card repayment is successful. If there is arrears this month, it is best to repay the consumption after the bill comes out. On the one hand, it can reduce the repayment pressure in this period, and on the other hand, the consumption after the bill comes out is included in the next bill.

3. Handle at will: This is the special consumption limit of Industrial Credit Card, which exists separately from the credit card limit. After processing, it will be transferred to a credit card account, or the available credit card limit can be increased. However, after receiving the credit card at will, the bill arrears will be deducted first, and the remaining money can be used for consumption.

The above is the introduction of the solution to the insufficient credit card limit of Societe Generale. I hope I can give you some reference.

Credit card withdrawal method of Industrial Bank

Industrial Bank can increase fixed and temporary quotas in the following ways:

1. Increase the fixed quota: users can directly call the 24-hour customer service hotline of Industrial Bank Credit Card 9556 1 and apply to the customer service staff for increasing the fixed quota. However, it is best to use the credit card for more than half a year, so the chances of successful cash withdrawal will be greater.

2. Increase the temporary credit line: You can also apply for increasing the temporary credit line by calling the customer service hotline of Industrial Bank. It should be noted that the temporary credit line has a certain term and will automatically revert to the original credit line upon expiration.

Credit card withdrawal skills of Industrial Bank: 1. Withdrawal by installment: If the new card is used for more than three months, the cardholder can voluntarily apply for withdrawal, but the bank will generally not approve it. At this time, you should continue to swipe your card and repay in full and on time. After a few months, you can apply for withdrawal from the bank again, and generally the second application will be accepted.

2. Keep good habits: When you use your card daily, don't withdraw money frequently, and don't swipe your card at a fixed time to avoid being suspected of cashing out by the bank.

3. Provide financial proof: If you still have financial proof that you didn't provide when you applied, you can go directly to the bank counter. These certificates include: automobile production, real estate, bank deposit flow, salary increase certificate, social security policy, bank wealth management insurance products, etc.

How to raise the amount of Industrial Credit Card?

The cash withdrawal method of Industrial Credit Card is as follows:

1. Call the 24-hour customer service hotline 9556 1 with your mobile phone. After listening to the voice prompt, select "line inquiry and adjustment" or "manual service" to apply for cash withdrawal.

2. Download Mobile Banking of Industrial Bank, slide to the right in the middle of the main page to find "Credit Card Settings", click to enter to see "Fixed Line Management" and "Temporary Line Management", and then you can apply for withdrawal.