China Merchants Bank has applied to increase the fixed credit line. How long will it take to know the result?

China Merchants Bank applied for an increase in credit card quota. Under normal circumstances, the bank will inform the result within one week;

It is recommended to use credit cards healthily, which will help to increase the limit, as follows:

1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to increasing the credit limit, but may also be suspected of illegal cash withdrawal).

2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether to increase the quota according to the cardholder's consumption record. After the credit limit is increased, you can apply to the bank again for a period of time, about three months, and gradually increase the credit limit.

3. Provide proof of assets income

Actively provide the bank with proof of asset income. The more detailed the proof materials, the higher the income and the higher the credit line approved by the bank.

4. Repay in full and on time

Try to repay in full and on time every month. Repayment is an important item in credit card records. Cardholders should try their best to avoid paying interest beyond the interest-free period due to overdue repayment, otherwise it will not only be conducive to improving the credit limit, but also may stain the credit record.

5. Temporary increase in quotas

If there is a large consumer demand, you can temporarily increase the amount to the bank. The general term is one month, and some banks will take the initiative to increase the credit card limit on holidays. After the cardholder requests to increase the credit line, the bank will determine the final increase range by reviewing the cardholder's consumption demand and past card use records.