How to increase the credit card quota of ABC?

Regardless of the amount, cardholders need to use credit cards as much as possible, and they must spend if they can swipe their cards. After swiping the card many times, the system will think that the credit card is a necessity for the cardholder, and the cardholder can also accumulate some loyalty. In this case, the bank will be willing to increase the cardholder's credit card limit.

2. Maintain a certain credit card.

Try to keep a certain amount of credit cards every month, and ensure full repayment within the specified time. However, it is not recommended that the cardholder's credit card limit exceeds the repayment ability. Once there is overdue repayment or long-term low repayment, the bank will think that the cardholder's consumption amount does not match his income, which will have a great impact on the cardholder's future withdrawal.

We must keep on consuming.

Some banks stipulate that you must have a credit card consumption record every month for three months before you can apply for withdrawal. This plays a very important role in the early stage of card holding. Banks will think that cardholders do cards for consumption, not for other purposes.

4. Seize the opportunity to increase the amount.

Generally speaking, after the credit card is used normally for half a year, you can take the initiative to apply electronically, or call the bank customer service to adjust the credit line.

Extended data:

Generally speaking, the credit card promotion amount is divided into permanent withdrawal and temporary withdrawal, depending on which withdrawal method you want. However, one bank stipulates that you can apply for a temporary credit line after 3 months of credit card processing, and you can apply for a permanent increase in credit line after 6 months.

Permanent withdrawal skills:

1, try to spend by credit card. The frequency and amount of credit card spending should be as much as possible. Generally speaking, the total consumption for half a year should reach at least 30% of the quota, which can prove that cardholders often use credit cards and have high loyalty to banks. The bank credit card center will adjust the limit according to your credit card usage rate and repayment record.

2. Repay in full and on time to prevent late payment. After spending by credit card, make sure to repay in full and on time before the monthly repayment date. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect the application for credit cards in the future. ?

3. Take the initiative to apply for withdrawal after half a year. Under normal circumstances, after the credit card is used for half a year, the cardholder can take the initiative to apply for increasing the temporary credit limit or credit limit of the credit card. At present, there are many ways to apply for withdrawal, such as online, telephone, SMS and WeChat, depending on how the bank provides services.

4. The threat of canceling the credit card sometimes works. Use customer service and tell the customer service staff to return the card. It is possible that the relevant personnel will keep them by increasing the number of places.

Baidu Encyclopedia-Agricultural Bank Credit Card