How to increase the postal credit card limit as soon as possible?

How to apply for increasing the amount of postal credit card?

China Postal Savings Bank applies for increasing the credit card limit;

1. Adjustment of permanent credit line: When a credit card holder needs to increase the credit line, he can call the credit card customer service hotline, and China Postal Savings Bank will handle the adjustment of permanent credit line in time according to the credit card status and credit standing of the cardholder.

2. Temporary quota adjustment: If the credit card holder has a large consumption demand in a short time, he can call the credit card customer service hotline and ask for a temporary increase in the quota, which meets the conditions for temporary quota adjustment, and the temporary quota adjustment can be realized within 24 hours. The temporary credit line is valid for 30 days, and the credit line will be automatically restored to the original credit line after expiration.

China Postal Savings Credit Card Limit Rules: China Postal Savings Bank will verify the credit card limit according to the information and credit status provided by credit card holders when applying, which is the maximum limit for cardholders to use for overdraft consumption and cash withdrawal. For holders of multiple credit cards issued by China Postal Savings Bank, the maximum credit limit of a single credit card held in the cardholder's name is used as the credit limit, not the sum of the credit limits of multiple credit cards.

How to increase the postal credit card limit

There are several ways to increase the credit card limit: 1. Use more credit cards to win by swiping them. 2. Spend more on credit cards, preferably in diversified merchants, and ensure the amount of credit card spending every month. 3. It is best to generate a consumption record that accounts for at least 30% of the total credit card every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

The reason why the credit card of Postal Savings Bank can only be handled at outlets;

Because the bank outlets are only responsible for guiding the filling of forms and receiving supporting materials, the final approval is completed by the credit card center. Therefore, it takes about a week for outlets to submit application materials to local branches, and then the branches will mail them to the credit card center of the head office. The credit card center will complete the data review and information check within five working days, decide whether to approve the card and the amount of approval, then make the card within two days, and finally it will take about one week to mail the card to the applicant's reserved address. This series of processes will take about twenty working days. Of course, this is the average. If the application card is close to the credit card center, it may take more than ten working days.

1. Basic conditions for credit card applicants

Principal card applicant: Chinese mainland residents aged 18 and under 60 years old.

Supplementary card applicant: 16 years old. Chinese mainland residents under the age of 60.

2. Information needed to apply for a credit card

Materials required to apply for the master card: a copy of the applicant's ID card and work certificate are required. Optional materials: proof of financial resources and proof of concern about transactions with our bank.

Supplementary card application: A copy of the ID card of the supplementary card applicant is required. The relationship between the supplementary card applicant and the main card must be immediate family members.

The credit card of Postal Savings Bank has set up a 24-hour customer service hotline 4008895580 at 39,000 bank outlets nationwide, with dedicated service. Services include:

1, marketing activity preview, the freshest preferential promotion information is clear at a glance, under control;

2. When calling the customer service hotline to inform you that important information such as mobile phone number and address has changed, personal information will be updated in time to protect the rights and interests of users.

3. Main services: activation card; Set or reset the inquiry password or transaction password; Inquiry: Unbilled bills, 12 inquired bills, available credit line, available cash withdrawal line, etc. Fax unsigned bills and issued bills, and reissue issued bills; Apply for loss reporting, card replacement and account cancellation; Apply for or cancel SMS service, and adjust the initial amount of monthly SMS notification; Application for installment payment business; Quota adjustment application.

Is there any way to ensure the success of China Post's credit card withdrawal?

China Post's credit card withdrawal skills: First, to ensure a good habit of using the card: it is best to apply after using the card for more than 6 months. Generally, the application for cash withdrawal that has just been opened will be directly rejected; Second, brush more water: you can swipe your card many times or once, try to spend in various physical merchants, and pay attention to decentralized consumption. The more you brush, the higher the success rate of cash withdrawal; 3. Deposit term: deposit a five-year fixed deposit in a peer savings card. The larger the amount, the longer the deposit time, the better; Fourth, we must pay in full by installment: although installment is interest-free, we need to pay a certain handling fee to the bank. After giving the bank some benefits, the amount is naturally not a problem; 5. Acquaintance recommendation: If you don't have any relatives or friends who work in the bank, you can ask the loan officer and salesman to help you recommend it. The recommendation of insiders can directly double the success rate of withdrawal; Sixth, active consumption abroad: small partners with consumption abroad conditions can try consumption abroad more, so that banks can earn a little money exchange fee, and cardholders who can frequently consumption abroad have better economic strength and are more likely to apply for cash withdrawal; 7. Cancel the temporary quota first and then cancel the fixed quota: before holidays, cancel the temporary quota first, and then apply for an increase in the fixed quota when the temporary quota is about to expire. It will be much smoother for the bank to cancel the fixed quota according to the revoked temporary quota; Eight, buy wealth management products: the number of bank wealth management products is 565,438+10,000, and it is definitely no problem to have spare money to buy wealth management products, and the amount is of course no problem; 9. Incremental consumption: For example, if you spend 20% of the quota this month and fail to apply for withdrawal, you will try to spend 30% next month and then apply again, and so on. Generally, if you spend about 50% for two consecutive months, the success rate of withdrawal will be greatly improved; The last and most important thing is to apply persistently.

How to increase the temporary credit limit of the Postal Savings Bank?

Postal Bank credit card increases the temporary limit: 1, and applies by calling the bank's customer service phone: at present, more application methods are used. After applying in this way, bank customer service staff can generally increase the credit limit for cardholders on the spot after verifying their identity. 2. Apply through online banking: Generally, it can increase by about 10% on the original basis, but at present, relatively few people apply through this method. 3. Application by the credit card department of the bank: the cardholder needs to provide relevant information such as asset certificates, and the specific amount that can be applied for is not fixed. 1. After the cardholder's application is approved, the increased amount is generally 20% to 50% of the existing amount. 2. The upward adjustment period of the temporary limit is usually a billing period, that is, one month, and the longest is not more than three months. 3. After the temporary limit expires, the credit card limit will be restored to the original credit limit. 4. No matter which application method is adopted, if the bank has taken the initiative to increase the cardholder's permanent limit recently, the bank will not increase the limit for the time being. When this happens, the cardholder can swipe the card for a period of time, and then ask the bank for a temporary increase in the quota, and generally the application can be successful.

How to withdraw the 4000 credit card of Postal Savings Bank?

1. In the process of using the credit card, the credit card of the Postal Savings Bank should be fully charged with 4000 yuan, especially for the merchants who cooperate with the Postal Savings Credit Card, they should repay on time. It can increase the chances of raising the quota.

2. When using a credit card for large consumption, you can choose the installment repayment method to make the bank profitable.

The credit card has been used for about a year. If there is no cash withdrawal, you can call the credit card customer service and take the initiative to apply for cash withdrawal from the manual customer service. Also said that there are not enough places.

So much for the introduction on how to increase the postal credit card limit.