How to upgrade ABC's credit card

How to improve the credit limit of ABC's credit card? Master the skills of increasing credit limit in minutes.

Compared with other credit cards, ABC's credit card promotion quota is more humanized, and some cards are not capped. Moreover, as long as you insist on using them and apply for cash withdrawal every once in a while, the bank will give a certain amount more or less. However, it should be reminded that there is one thing that must not be done when using ABC credit card: cash withdrawal by ABC credit card. Then, how to increase the credit line of ABC and how long it takes for ABC to increase the credit line will be understood together.

How to improve the credit limit of agricultural bank of China credit card

1, rich financial proof application

If ABC credit card wants to increase the credit line, it can supplement more financial certificates, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate and so on. The bank will make an asset evaluation for the cardholder based on these certificates. If the applicant has deposits in ABC, it will also help to increase the credit card limit.

2. Repay in full and on time, and maintain good credit.

Don't forget to pay back on time when spending by credit card. For ABC, it is not a car and a house that are quality customers, but cardholders with good reputation who can guarantee timely repayment are quality customers. If you can't repay the loan on time for some reason, you must call the customer service telephone number of Agricultural Bank of China Credit Card 400-66-95599 (mobile phone call charge) /800-8 1-95599 (landline call free) to apply for extension.

3. Diversification of credit cards and high consumption

Don't return the card blindly even if you are not satisfied with the amount. Cardholders can spend as much as possible by swiping their cards, so that the bank can take the initiative to withdraw the amount for you. Generally speaking, the total monthly consumption is at least 30% above the limit, which can prove that cardholders have a strong demand for credit cards.

Credit card consumption also has secrets. No matter how much it costs, 1 can swipe your card, even if you buy a pack of cigarettes and a bottle of water. 2 try to diversify credit card consumption, hotels, shopping malls, supermarkets, online shopping, Haitao. ......

4. Take the initiative to apply for withdrawal.

Another quickest way is for the cardholder to apply for voluntary withdrawal. There are two ways to withdraw the amount: fixed amount and temporary amount.

Raise the quota

Application method: 1 credit card online banking → select quota adjustment; 2 Call customer service at 800-8 1-95599→ 1 Chinese →4-line service; 3 Add ABC WeChat → Bind credit card → Select quota adjustment.

Note: It takes 3 working days to get the approval result for the credit card application of ABC to increase the quota below100000 yuan, and 5 working days for the credit card application above100000 yuan.

Increase the temporary quota

There is no time limit and the application method is the same as above.

Note: ABC's credit card application will increase the temporary limit of less than 50,000 yuan, and the audit results will be seen immediately. It takes 3 working days for 50,000 yuan to 654.38+10,000 yuan, and 5 working days for more than 654.38+10,000 yuan. The temporary limit is valid for two months.

How long can the credit card of Agricultural Bank of China increase the quota?

Usually, banks will increase the temporary limit and the fixed limit for cardholders. Although they all increase the quota, the requirements are different.

1. Temporary credit limit: It takes three months or half a year for new cardholders to increase the temporary credit limit.

2. Fixed quota: the increase requires a fixed quota, and it is best to use the card continuously for more than 6 months.

How to upgrade the credit card limit of ABC

1. Click "My Kaka"-"Line Inquiry/Temporary Line Adjustment" at the bottom of the page to upgrade the temporary line. In addition, it can be handled through the following channels: 1. Please call the customer service telephone number of China Agricultural Bank at 4006695599 or 02161195599. 2. Log in to personal online banking and click Credit Card-Settings-Limit Adjustment. 3. Log in to the personal bank and click Credit Card-Settings-Temporary Line Adjustment on the homepage. 4. SMS application: send "the last four digits of CCLSED# # currency # application amount" to 1069095599 for application (where the currency input value is 0- RMB, 1- USD, 2- EUR and 3- AUD). 2. The permanent limit can be increased in the following ways: 1. You can call the customer service hotline to apply for increasing the credit limit after spending a period of time with your card, and the Agricultural Bank of China will comprehensively approve it according to the customer's consumption repayment. After approval, the permanent limit may be increased. 2. When the customer's financial level has improved to a certain extent, it can also provide relevant certificates (such as real estate, car fare, savings certificate, etc.). ) to the local agricultural bank outlets. Agricultural Bank of China will re-examine the credit status of customers according to the materials attached to customers, and the permanent quota can be increased after the approval. 3. In addition to the customer's active application, ABC will automatically adjust the quota for customers on a regular basis according to the customer's card use and repayment records.

How to increase the credit card limit of ABC

As one of the four major banks, ABC has a relatively high threshold for credit card application and withdrawal. Although there is no China Merchants Bank and ICBC, it also has its own customer base. Recently, Qin Xiao received many card friends saying that it is difficult to withdraw cash from ABC's credit card. So today, Qin Xiao will share with you the skills of withdrawing cash from ABC's credit card, so that it is no longer difficult for you to withdraw cash easily!

First, credit card consumption.

Agricultural Bank of China likes to spend a lot. A single payment of more than 20% of the fixed amount is regarded as a large consumption, but the consumption amount must be consistent with the merchant, otherwise it is suspected of TX; Spend at least 8 times a month by swiping your card. Try to diversify your consumption types and focus on entities. Don't always choose online shopping. If you want to use POS to swipe your card, try to choose between 10 in the morning and 9: 00 in the evening to avoid swiping unreasonable merchants.

II. Precautions for Savings Card

Attention should also be paid to the credit card and savings card of ABC above 5w. You can't just swipe your credit card. The effective overnight settlement flow of the savings card can increase your points in the Agricultural Bank of China and help the credit card to increase the limit. General 1w liquidity is 20-30w a month, which can make you become a high-quality bank customer quickly. If you want to know how to build it, you can consult Qin Xiao WeChat.

Third, move more bricks.

Buy funds, manage money, deposit and trade precious metals. If you have money, you can buy more, if you don't have money, you can buy less, and so can a small rated deposit. Suitable for card friends with bricks to move.

Fourth, the curve is raised.

The credit card applications of ABC are independently audited, so curve withdrawal is very suitable for ABC. Optimize the original card by using card raising skills, and directly curve an ABC international card (dual-currency card or single-currency card), so that your card limit can easily exceed 5w. The recommended card types of curve here are: Global Business Travel Card, China Southern Co-branded Card VISA Edition, and Zunran Platinum Card.

Verb (abbreviation for verb) consumption

Like most banks, ABC likes diversified bills, high-end merchants and consumption. If every bill is done in this way, and the consumption amount reaches 60%-70% of the credit card amount, it is very simple to withdraw cash. After the bills are basically paid in full, the amount can be withdrawn within one week, especially if each bill has 1 purchase, and it will be withdrawn in three months.

How to upgrade an ordinary credit card to a platinum card? You can try all three methods.

Having a platinum card is everyone's ultimate dream, and many people have no choice but to apply for an ordinary credit card because of their lack of qualifications, but they are still obsessed with the platinum card and want to know whether the ordinary credit card can be upgraded to a platinum card. This is actually possible. You have to master the correct credit card upgrade method in advance. Let's have a look.

First, upgrade the card transfer.

This is the most commonly used way to upgrade, and some people call it graduation upgrade. That is, the ordinary credit card limit is raised to the maximum limit, and then the temporary limit is added, so that you can graduate, and then you can apply to the bank for card transfer within the validity period of the card. The bank will decide whether to issue a platinum card for you according to your card usage and credit status.

For example, your gold card quota is 50,000 yuan, the temporary quota is 10000 yuan, and the total amount exceeds 60,000 yuan, which reaches the basic quota standard of platinum card. If the card status is normal, there is no debt and balance, you can apply to China Merchants Bank for card transfer within the validity period of the card, and China Merchants Bank may give you a platinum card with a quota of more than 50,000 yuan.

Second, the curve upgrade.

If you have an ordinary credit card, but you have used it for a long time, you can form a good habit. If the card is in good condition and not overdue, you can apply for a small platinum card from the same bank again. If the approval is successful, you can upgrade the curve.

According to the situation, the bank that is easy to succeed in this way is China Agricultural Bank. 20 18 the platinum card of agricultural bank of China has been continuously relaxed. Many ordinary credit card holders got their first platinum card by applying for this card.

Third, use cards to handle cards.

This method is to use a bank's credit card as a voucher to apply for another bank's platinum card, preferably platinum. This method is a bit difficult compared with the above two methods.

Generally, you need to use a credit card that has been held for more than half a year and has a good credit. The amount is at least about 50,000 yuan. There may also be requirements for the applicant's financial resources, and you may be required to provide corresponding asset certificates, such as automobile production, real estate, and running wages. If it meets the requirements, it may be awarded a platinum card, otherwise it may only be awarded a gold card or an ordinary card.

Summary: After reading the above introduction, you must have a general understanding of upgrading the Platinum Card for ordinary credit cards. Friends who want to apply for a platinum card may wish to try it.

How to upgrade agricultural bank card to gold card?

1. Before the application date of ABC 12 months, the daily average financial assets of existing customers reached RMB 654.38+10,000 (inclusive) (specifically subject to the standards published by local branches);

2. New marketing customers who apply for daily average financial assets or purchase investment financial products of RMB 654.38+10,000 (inclusive) (specifically subject to the standards published by local branches).

platinum card

1. The daily average financial assets of existing customers reached 1 10,000 yuan (inclusive) within 12 months before the application date of ABC;

2. New marketing customers who apply for daily average financial assets or purchase investment financial products of RMB 6,543,800+0,000 (inclusive).

Those who meet the above criteria can open a gold card after signing a contract with the account manager at the Agricultural Bank's account opening branch, filling out an application form for personal settlement account and providing a copy of their valid identity documents.

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China Agricultural Bank Credit Card Gold Card is a kind of credit card of China Agricultural Bank, which generally includes ordinary card, gold card and platinum card.

1, credit card design. The background color of gold cards is generally golden yellow, which highlights the characteristics of gold cards: Puka has different colors and no obvious characteristics, and generally does not take gold as the keynote.

2. Preferential merchants have different discounts. Because of the different grades of cards, the credit card discounts you can enjoy will be different. General credit card gold cards can enjoy higher discounts in preferential merchants; Puka can enjoy a slightly lower discount, just like a series of cards. In the same merchant, Gold Card enjoys 20% discount and Puka enjoys 10% discount.

3. Credit card points are accumulated in different ways. A bank stipulates that if you consume or withdraw RMB 1 yuan or HKD 1 yuan, you can accumulate RMB 1 yuan /HKD 1 = 1, and consume or withdraw USD1= 8; If you spend or withdraw RMB 1 yuan or HKD 1 yuan with a gold card, you can accumulate 2 points, and RMB 1/ HKD D2=2 points. Consumption or withdrawal 1 USD or 1 Euro can accumulate 16 points 1 RMB or 1 Euro = 16 points.

4. The coverage of lost cards is different. Many banks have introduced credit card loss reporting services, but the coverage of gold card loss reporting is different from that of ordinary cards. After the cardholder loses his card, the annual credit card gold card theft limit is 15000 yuan, and the ordinary credit card is 10000 yuan.

Author's name or source note

1. The maximum overdraft limit of credit card personal Capka of Agricultural Bank of China is 50,000 yuan (including the equivalent amount).

2. The overdraft limit of China Agricultural Bank's credit card gold card is RMB 200,000.

3. The minimum overdraft limit of Platinum Card is RMB 654.38+10,000 Yuan, and the maximum overdraft limit is RMB 1 10,000 Yuan.

4. For corporate cards, the maximum overdraft limit of comprehensive credit granted by customers is 3%, which shall not exceed 3 million yuan. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.

The overdraft limit of a credit card is also directly related to the relevant materials and information of the cardholder at the time of application. For example, personal income, real estate, vehicles and the nature of personal work are used as proof materials to limit the upper limit of credit cards. The overdraft limit of the same credit card will increase with the cardholder's consumption limit, and it will automatically increase within half a year or a year.

Brief introduction to the function of China Agricultural Bank's credit card gold card

1, combination of lending and borrowing, instant credit granting.

Jinsui Credit Card has a powerful combination of lending and borrowing. You can open current and multiple fixed sub-accounts and deposit your own funds to earn deposit interest. Moreover, after receiving the card, you can directly overdraw the credit line approved by our bank and use the letter immediately, flexibly arrange your own production and operation funds and manage your family property without going through other formalities.

2. Revolving overdraft and quick turnover

Within the credit line approved by the bank, you can borrow and repay at any time according to your own funds, and the interest is calculated according to the actual days of use. After repayment, the credit line is immediately restored and can be used again, realizing rapid capital turnover, saving capital use cost and maximizing asset appreciation.

3, full cash withdrawal, easy to use

Not only can you overdraw consumption, but you can also withdraw overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can be up to 100% of the credit line, which can meet your capital needs for different purposes to the greatest extent.

4. High credit and flexible guarantee.

You can obtain the credit of Huinong Credit Card through credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 300,000 yuan.

5, the combination of life and work, easy to manage

With Jinsui Credit Card, you can open RMB demand account and multiple RMB time sub-accounts at the same time, without other cards or certificates of deposit, and you can easily manage your demand deposits and time deposits with one card in hand.

6, agent payment, worry and effort.

You can pay for water, electricity, communication, cable TV and other expenses through Jinsui Credit Card. When the self-owned funds in the account are insufficient, you can also overdraw within the credit line by no more than 1000 yuan to pay the above expenses.

7. Supplementary card for main card, amount * * *

You can open multiple supplementary cards for your family or friends according to your own situation, so that they can * * * use their own funds in the main card, or * * * use the credit line approved by the bank for you according to customers' requirements.

8. Payment control, complete control

According to customers' requirements, we can control the payment times, amount and overdraft authority of the supplementary card, and we can also cancel the supplementary card at any time, so that customers can flexibly control the use of the supplementary card. China Agricultural Bank Credit Card Gold Card is a kind of credit card of China Agricultural Bank, which generally includes ordinary card, gold card and platinum card.

I would like to ask how to increase the credit card limit of ABC?

The ways to increase the credit card limit of ABC are as follows: in the process of daily card use, more stages are used; In the process of swiping the card, we should pay attention to the following points: First, swipe the card more and spend at least 25 times a month; Second, diversified consumption, it is best to brush more merchants with high rates, and don't just stare at catering or wholesale merchants; The third is to cooperate with overseas aircraft.

1, ABC credit card outlets should provide as many financial certificates as possible when applying for a higher limit, such as my financial certificates, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. If the applicant has deposits in the Agricultural Bank of China, it will also affect the credit card approval quota.

2, credit card diversification, high consumption, credit card consumption also has secrets, no matter how much money, you can swipe your card, even if you buy a pack of cigarettes and a bottle of water, you can swipe your card; Try to diversify credit card consumption, hotels, shopping malls, supermarkets, online shopping, Haitao.

3. Repay in full and on time, and maintain good credit card consumption. Don't forget to pay back the money on time. For ABC, it is not a car and a house that are quality customers, but cardholders with good reputation who can guarantee timely repayment are quality customers. At present, the tolerance policy of the Agricultural Bank of China is very humanized, and the maximum tolerance amount of the Puka is 100 yuan, and the Golden Card is 200 yuan. The maximum allowable time is 3 days.