Adjustment of credit card limit of Bank of Communications

How to use the credit card of Bank of Communications to withdraw money?

1. Don't let the credit card expire and ensure a good credit record.

2. Use more and occupy a higher quota as much as possible.

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Bank of Communications credit card cash withdrawal methods are:

1. Call the customer service hotline of Bank of Communications at 400-688-4495 with your mobile phone, and then apply for cash withdrawal;

2. Log in to the online banking of Bank of Communications and click "Account Management-Account Quota Adjustment-Quota Adjustment-Apply for Quota Increase";

3. Download the Bank of Communications mobile APP "Bank of Communications" on your mobile phone, select "Quota Management" after logging in, and then click "Adjust Fixed Quota" or select "Adjust Temporary Quota".

Bank of communications credit card withdrawal method

Bank of communications credit card withdrawal method

1, the larger the amount, the better, and the total consumption for half a year is at least 30% of the quota.

2. Consume as much as possible, with an average of more than 10 transactions per month. If it is more than 20 transactions, it is easier to withdraw money.

3. There are many types of consumer merchants, such as shopping malls, supermarkets, gas stations, restaurants, hotels, tourism and entertainment places.

4. The less wholesale, house purchase, car purchase and other bulk consumption, the easier it is to raise the amount.

5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve the application for increasing the quota.

6. The type of merchants who swipe their cards cannot always be similar to the business scope of the company.

7. Re-apply for another Bank of Communications credit card. If the amount is higher than this, the two cards will be automatically tied.

8. If the amount of a large merchant is higher than the credit card limit, you can call customer service to ask for a temporary increase in the credit limit to facilitate timely consumption.

Bank of communications withdrawal method on rest days

1, the latest flow formula, swiped more than 15 at the weekend, and then called customer service to ask about the amount and asked you to use it. You said that the amount was not enough, needless to say, 10 minutes later, the amount came up.

2. Bank of Communications withdrawal method: Call to cancel the card, and the customer service will tell you that it is a quality customer. Someone will contact you in about 5 days, and then in a day or two you will find that the quota has been improved.

Traffic allowance rules

1, Bank of Communications will use the information and credit provided by the cardholder at the time of application.

The approved credit line is the maximum amount that the cardholder can use for overdraft consumption and cash withdrawal.

2. For holders of multiple credit cards issued by Bank of Communications, the maximum credit limit of each 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.

3. The main credit card of Bank of Communications and the subsidiary credit card enjoy the same amount. Bank of Communications Pacific dual currency credit card enjoys "one card dual currency (RMB USD)", and RMB and USD enjoy credit line.

Bank of Communications credit card available line

1. Available credit limit refers to the unused credit limit in your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.

2. The calculation method is as follows:

Available credit line = credit line-unrecorded amount. For example, if your credit card line is 20,000 yuan, the unrecorded amount is 1000 yuan, and the used unrecorded amount is 4,000 yuan, then your available credit line is 6,000 yuan.

Bank of Communications Credit Card Withdrawal Amount and Limit

1. The withdrawal limit of the Bank of Communications credit card is included in the credit limit of the credit card, which is generally 50% of the credit limit. Bank of Communications credit card domestic withdrawal amount, the daily withdrawal amount of each card using the credit line does not exceed 2000 yuan.

2. The maximum withdrawal amount of each card at the ATM every day is no more than 5,000 yuan (there is enough overflow amount, at least 3,000 yuan for overflow repayment), and the maximum withdrawal amount at the counter is 2,000 yuan. You can't withdraw US dollars with a credit line in China.

Bank of Communications will withdraw cash from overseas by credit card. The daily ATM withdrawal of each card shall not exceed $65,438+0,000, the monthly withdrawal shall not exceed $5,000, and the semi-annual withdrawal shall not exceed $65,438+0,000 (if the US dollar has enough excess repayment). If the credit line is used for cash withdrawal, the daily cash withdrawal amount of each card shall not exceed 2000 yuan or its equivalent currency.

Influence of credit card installment quota of Bank of Communications

1. The installment amount of Bank of Communications credit card shall not exceed the credit card amount, and the maximum amount shall not exceed150,000 RMB or 6,000 USD. No matter whether you deposit in a credit card or temporarily increase the credit limit, you can't increase the maximum amount for applying for installment payment.

2. Bank of Communications will occupy the credit line of the cardholder after applying for the credit card in installments, and will gradually recover after repayment in each installment.

Adjustment of credit card limit of Bank of Communications

1. The long-term credit limit of Bank of Communications' credit card will be adjusted regularly by Bank of Communications, instead of the cardholder actively increasing the credit card limit.

2. However, when you travel or move abroad and need to obtain a better credit line within a certain period of time, you can call customer service to apply for a temporary increase in the credit line. After the temporary limit expires, the over-limit handling fee will be charged for the part that actually exceeds the credit limit.

Bank of Communications credit card limit inquiry

1. The credit card limit of Bank of Communications can be inquired through the customer service hotline, and information such as RMB, US dollar account arrears, current available limit, etc. can be obtained anytime and anywhere.

2. Bank of Communications credit card customer service hotline is as follows:

800-988-8888 (free of charge, applicable to fixed and local telephones only)

4008009888 (mobile phone users can call)

400-889-3888 (co-branded card users call)

How to apply for a temporary increase in the credit card of Bank of Communications?

There are several ways:

1. Call the 24-hour customer service hotline of Bank of Communications Credit Card Center: 400-800-9888, and apply for a temporary increase in the line.

2. Use the "Pay" app to apply for cash withdrawal.

3. Edit the short message ccty with the reserved mobile phone number and send it to 95559 to apply for cash withdrawal.

4. Log in to Bank of Communications to apply for online banking.

5. Apply at Bank of Communications outlets.

Extended data

The requirements for temporary quota adjustment are relatively low, and the Bank of Communications credit card can be applied after 6 months of use.

After the cardholder successfully applies for the temporary quota, the quota will take effect immediately, but the temporary quota is only valid for a short period of time, and the validity period generally does not exceed 60 days. After the temporary quota expires, it cannot be extended.

Bank of Communications will have a system to judge how much temporary credit limit each customer's credit card can increase, and the amount adjusted by each person is different.

After the Bank of Communications temporarily increases the credit card limit, it must remember to repay in full. The temporary line cannot be repaid in part or in installments. Put an end to the record of bad card use, repay on time, and repay the minimum repayment amount on time and pay interest if it cannot be repaid in full.