What if the credit card limit is low?

What if the credit card limit is not enough? Three tricks to teach you to solve it easily!

Double 1 1 has passed, and the double 12 war is coming. Do friends who want to shop online have their credit cards ready? Can your credit card limit meet your double 12 consumption? Don't be afraid if the credit card limit is not enough. Just use three tricks to help you solve the problem of insufficient credit card limit.

What if the credit card limit is not enough?

1. Apply for temporary line:

In addition to the fixed credit line, there is also a temporary credit line. As the name implies, this credit line has a term of use, and the original credit line will be automatically restored when it expires. If the fixed limit is not enough for consumption, you can apply to the bank for a temporary limit to increase the overall consumption limit of the credit card.

It should be noted that the temporary quota and the fixed quota are different in repayment methods. When due, it will be fully included in the current bill finance, and it must be fully paid off before the final repayment date. You can't make installment or consumption according to the minimum repayment amount, and the temporary quota will also bear interest on a daily basis and compound interest on a monthly basis.

2. Repay first and then consume:

If you have outstanding credit card debt before and want to get more credit card limit, you can pay off part of the credit card limit first, so as to increase the credit limit and then spend directly by credit card. There is something to pay attention to here. It is best to pay it back after the bill date comes out. Make sure that the credit card repayment has been recorded before spending, otherwise it will be paid back this month to avoid overdue.

3. Handling credit card loans:

In order to meet the cash needs of cardholders, many banks have launched consumer loans based on credit cards, and most of them have independent quotas, such as e-loan of China Merchants Bank and CITIC Dream Fund. , will not occupy the credit line. After successful processing, they can transfer to debit card for consumption or withdrawal.

To sum up, there are many solutions to how to deal with the shortage of credit card quota. However, it should be noted that although the above three methods can increase the credit card limit, the larger the limit, the better. Don't overdraw, otherwise it will be considered as a malicious overdraft credit card if there is no money to repay after using the credit card. If it is serious, criminal responsibility will be investigated.

How to deal with the low credit card limit? Credit card withdrawal skills

Many people who apply for credit cards for the first time have a low amount of bank approval, and some even issue cards with a limit of only 1000, which simply cannot meet the daily consumption needs. What if the credit card limit is low? Summarize some credit card withdrawal skills for you.

First, increase the frequency of using credit cards.

With a credit card, of course, you have to swipe your card at ordinary times, regardless of the amount, and spend as many times as possible. If you don't usually have much consumption demand, you can also take the opportunity to swipe your card when friends and relatives spend. Average consumption 10 above, of course, the more the better.

Second, grasp the credit card limit.

The larger the credit card limit, the better. The total consumption for half a year is at least 30% of the limit, which helps to increase the credit card limit. Of course, we should avoid malicious credit card, integer repayment and integer credit card. There is no credit card record at other times, and the credit card is empty. This situation is likely to be suspected by the bank as a cash-out behavior, and naturally there is no way to increase the quota.

Third, repay the loan on time to avoid overdue.

It is the most important thing to pay back on time after spending in advance. The cardholder must pay off the amount consumed before the end of the repayment date after the bill date, and there will be a record of overdue repayment. For a long time, the bank won't give you a chance to raise the amount. If there is a malicious overdue debt, the bank will even ask you to cancel your card.

Fourth, pay attention to card business card printing.

Handling other credit cards has a certain effect on your credit card, so it should be moderate. If you open too many cards and don't need them at ordinary times, the bank will think that you have malicious card handling behavior, which is not conducive to increasing the quota.

skill

The credit card limit does not have to be high. With the demand, the bank will naturally increase your credit limit according to your consumption. The more credit card overdraws, the greater the pressure on you to be unable to repay.

What should I do if the credit card limit of BOC is too low?

I suggest you try to handle it through the self-service channels of BOC (Bank of China Mobile Banking, "China Bank Credit Card" WeChat official account, BOC Colorful Life APP). Handling related businesses through self-service channels will also inquire about their credit information, and the increase results will be returned in 1-3 natural days, and the results will be subject to SMS. Or you can wait for the Bank of China to increase the amount of eligible cards from time to time, and generally make a comprehensive evaluation with reference to your frequency of use, repayment record and consumption type. I suggest you choose diversified consumption and keep a good repayment record, which will help to increase the quota.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

What if the credit card limit is low? How to increase the credit card limit?

What if the credit card limit is low? How to improve the low credit card limit? The credit card limit is low and insufficient, which is quite troublesome. However, for smart card users, it is not difficult to increase the quota.

It is impossible to increase the credit card limit by methods and skills alone. We should not only know the rules for the use and storage of credit cards, but also know the criteria for banks to judge whether to keep them.

First of all, let's take a look at several skills to increase the credit card limit:

1. Maintain good credit and repay in full and on time.

If you can't repay on time under the existing credit line, how can the bank give you an additional amount?

2. Use credit cards as much as possible.

In addition to large consumption, credit cards should be used as much as possible, and all aspects of food, clothing, housing and transportation should be brushed.

How to "brush" and how much to brush can be summarized as the 2583 card-keeping rule:

3, 2583 card rules

"2" means that a single consumption shall not exceed 20% of the permanent credit card limit.

"5" means that the single-day credit card amount shall not exceed 50% of the permanent credit card limit.

"8" means that the limit of each credit card shall not exceed 80% per month.

"3" means that the monthly credit card usage limit shall not be less than 30%.

4. Let the bank "earn" money.

Credit card installment, cash withdrawal and other businesses can make banks "earn" money and charge a certain fee and interest, so banks are naturally willing to increase your credit card limit.

It is said that different banks have different preferences when raising the quota. The following are some bank credit card withdrawal techniques summarized by Xiao Rui:

China Merchants Bank: Frequent card swiping

China Merchants Bank likes to look at the quantity of consumption and is not sensitive to large consumption. No matter the amount, just swipe your card more. Generally speaking, China Merchants Bank raises the amount quickly, and the US dollar card is better than the RMB card.

ICBC: Buy wealth management.

It is easiest for ICBC to withdraw less than 65,438+10,000. Just swipe your ICBC card account into a double seven-star account. The safest way for a double six-star account is to buy a wealth management product that wins step by step.

China Construction Bank: Using Temporary Quota Cleverly

CCB likes to make small payments, many times, and occasionally in installments. It can be withdrawn once every three months, and each time it is between 50% and 60%. What's more commendable is that the temporary quota can be applied for many times, and the new card quota = fixed before the card+temporary.

Guangfa Bank: Large Credit+SMS Withdrawal

Brush it to about 80%-90% of the limit, and then apply for cash withdrawal after the bill is paid and repaid in full. Generally, as long as the card has been used for more than half a year, you can apply for withdrawal once every three months. Guangfa's platinum card is more difficult to withdraw money than gold card, so it is recommended to swipe gold card mainly, and the probability and frequency of withdrawal are higher.

Shanghai Pudong Development Bank: Proof of assets

In addition to insisting on credit cards and other factors, Shanghai Pudong Development Bank values personal assets most. As long as you provide proof of assets such as real estate, cars and wealth management products under your name, I will give you a sum of money immediately! If you receive the invitation of Pufa to send a short message in installments, you are not far from withdrawing cash!

Ping An Bank: Overwithdrawal

Ping An Bank should maintain a variety of high-frequency consumption, and then let the balance in the card exceed the credit card limit before applying, that is, pay more money.

What if the credit card limit is too low?

Generally, credit cards have a limit, and you can't overdraw if you exceed the limit. What if the credit card limit is too low? Let me talk about this problem.

0 1

The credit card limit is too low, usually because you provide too little information to the bank. You can call the credit card issuing center (there is a phone on the back of the credit card) and apply for an increase in the limit.

02

It is not enough to apply for withdrawal. You need to provide the bank with information to prove your property and repayment ability, such as salary flow, passbook, real estate information, etc.

03

The bank needs a review process to withdraw the amount from you. In this process, you can use the temporary credit line first, and make full use of the temporary credit line, which will help the bank to withdraw the credit line from you.

04

The credit card limit can also be used more frequently and gradually increased. However, whether it is a credit card installment or a temporary credit line, it must be repaid in time. Maintaining good credit will always increase the credit card limit.

So much for the introduction of how to make the credit card limit low.