Collection! You don't know 14 the rules for issuing credit cards (debit cards) by banks.

I. Industrial and Commercial Bank of China

1. ICBC likes customers with assets, such as consumption abroad, financial metal trading, fund customers and customers with high star value.

2. Industry and commerce like large consumption, including repeated consumption. Empty cards are ok, risk control is not strict, and proper consumption is not a big problem.

3. ICBC also takes high-risk control measures for customers without deposits and customers with abnormal card use. Therefore, ICBC can use time deposits to handle cards or withdraw cash.

4. ICBC has a product that other banks don't have, which is star value. Everyone can brush the stars, which is helpful for returning the card.

5. If your ICBC credit card (debit card) is below 654.38+ million, then you only need to swipe your ICBC business friend card to double 7 stars. The main method is to buy a step-by-step wealth management product, sell it after buying it, and easily increase the amount to 5-65438+ 10,000.

6. There are many credit cards and many installments. The normal consumption of shredded chicken for several months does not need to be too high. Generally, the minimum repayment amount should not be paid, but should be paid in full. After a few months, it is appropriate to ask for withdrawal.

7. swipe your credit card (debit card) with running water. Thousands of small cards, deposit 20,000-50,000 at a time, and swipe it again or several times. Under normal circumstances, customer service will take the initiative to call and ask. It can be said that the credit card (debit card) is too small, and when the savings card is used, it will be saved every day and then swiped. Usually, customer service will take the initiative to call to raise the amount.

8. It is really best to upload financial proof, vehicle license and real estate license. If you don't really try to do it yourself, the business license will be the same. These are uploaded to the credit card (debit card) customer service center by fax, and the success rate of calling to apply for increasing the fixed amount is also very high.

Second, China Everbright Bank.

1, it is very simple for white households to apply for cards or for cardholders to apply for cards. As long as the preparatory work is done, it is good for the white household to get off the card.

2. The amount raised by China Everbright Bank needs to be adjusted through system evaluation. Don't miss the opportunity for China Everbright Bank to raise the amount.

3. China Everbright Bank Association Aviation High-speed Rail Butler Co-branded Card, which has a lot of transportation welfare rights.

As a joint-stock bank, Everbright attaches great importance to the number of customers' credit cards.

5. The temporary quota is a focus of Everbright, and it is generally adjusted once every three months. After the temporary adjustment, remember, you must use part of the temporary quota.

6. After sunrise, the bill is required to be repaid in full according to the bill, and accordingly, there is no need for installment. Because Everbright Bank defines high-quality customers as customers with stable consumption, it is not sensitive to staging.

Three. Shanghai Pudong Development Bank

1, the biggest advantage of Pudong Development Credit Card (debit card) is that high-quality customers can use the general quota and use it directly in cash, which is very cost-effective.

2. Pufa loves staging. No matter how much, it can be staged, which is conducive to raising the amount.

3. Pay attention to consumption, usually pay attention to the types of credit cards, and avoid frequent consumption in the same place.

4. Pay attention to the integral consumption (10-20) and remember to repay on time.

5. You can only apply for quitting after using it for more than half a year. If you apply for permanent exit again, it will take more than half a year from the last exit.

6. The credit line of PUFA Credit Card (Debit Card) must be temporarily increased. Pudong Development Card generally takes six months to increase the temporary quota, and it is necessary. The requirement is that when using temporary lines, they must be paid in full. After three months, run the next temporary limit adjustment.

7. Maintain a monthly consumption of around 10-20, online or offline. It would be better to have points. The most important thing is to repay on time and maintain a good credit record. In addition, if financial certificates such as real estate license and income certificate are provided, the success rate of cash withdrawal will be greatly increased.

8. The lifeblood of Pufa lies in staging. No matter how much the installment is, he won't increase the price until you do it.

Fourth, Bank of Communications.

1, easy to get off the card, generally have a credit card (debit card) or a qualified one can get off the card in seconds, and Bank of Communications will also bring independent credit to high-quality customers.

2, many activities, weekly brush, daily brush, it is recommended to send gifts. Generally, the card of Bank of Communications is valuable only when it is operated. For cards over 2w, you can directly invite you to apply for a platinum card. For cards under 2w, you can enjoy a loan. Done.

3. Don't brush all the quotas as soon as you open the card. Leave 30% of the money in the new card, and don't pay in installments for the first three months.

4, often participate in weekly brush activities, put the money on the day before the billing date, wait until the next day, but don't spend it right away.

5. It is best to have a savings card of Bank of Communications, open mobile online banking, bind a credit card (debit card), and usually walk around with an opportunity card.

6. The maximum consumption of a single transaction exceeds 1w, and the traffic is not very sensitive to the number of transactions, but what kind of merchants to prepare, the high-consumption industry should try its best to brush. If you can, you can go to the cooperative merchants of Bank of Communications (cooperative merchants such as the hottest Friday supermarket), cooperative supermarkets, cooperative gas stations and cooperative catering merchants, with the best effect.

7. For foreign currency consumption, you must remember to open a savings card for repayment.

8. It is difficult for Bank of Communications to raise the amount, but it will always decrease suddenly. Therefore, when using Bank of Communications, we must pay attention to the use of cards, but if we encounter an opportunity for Bank of Communications to raise the amount, we should raise it quickly, because raising the amount is crazy.

9. Call to cancel the card: the customer service will tell you that it is a quality customer, and someone will contact you in about 5 days. Generally, check the quota again in a day or two and find that the quota will increase.

10. Freeze the credit card (debit card) for half a year or one year: Many cardholders report that the credit card (debit card) that is often used at ordinary times cannot be withdrawn because the monthly credit card amount is far from the credit limit. However, it is still possible that you can't receive the withdrawal message after putting the card in the drawer for two months.

1 1. It is best not to mention temporary places. If you mention it, you won't get a good loan. Invite a platinum card.

12, remember not to swipe the risk control merchants (hand-swiped merchants, low-end merchants) and those with a single amount greater than 7k in the first two months of the new traffic card.

13. I don't like customers in stages. It is best not to do it by stages, and the best time is 3-6 months.

14. Don't go on stage too often, don't brush low-end merchants frequently, and diversify credit cards.

15, Bank of Communications has no early warning card seal, and now it has a large area of unexplained card seal, which is bigger and wider than before. Cardholders who have held the Bank of Communications credit card (debit card) for many years and those who normally use the card may be within the scope of accidental injury.

road

Verb (abbreviation of verb) Minsheng Bank

1, love mortgage, car loan, education.

2. Minsheng Credit Card (credit card) is recommended to those who need a large credit card (credit card). Basically, other banks may not be able to reach a particularly high quota (1-30w).

3. Men can choose cards, and women can choose female cards, with high pass rate.

4, a little better, at least a little wool, you can increase the amount by brushing casually, and the temporary is basically a monthly subscription.

5. People's livelihood is not thin for existing customers, and the amount raised is still good.

6, a small number of pens, appropriate staging, occasionally large, but not too much large.

7, brush more, brush high-end merchants, the amount can be hundreds or large, and spending abroad will give a temporary quota.

8. I don't like customers who often brush 4S shops and wholesale hardware and building materials.

9. Choose overseas websites for shopping. Overseas websites: Haitao, Meiya Yariya, etc. Plus points: hotel, large amount, maxed out, single installment, bill installment.

65438+

1 1. Call customer service immediately to apply for withdrawal amount 2 days after repayment on the billing date.

12. First, apply for temporary quota withdrawal, and then draw it out immediately after withdrawal (if you don't use temporary quota, Minsheng will think that there is no need to increase the quota, which may lead to the failure of the curve), and then apply online immediately, and basically the curve will be successful after getting off the bus!

6. Agricultural Bank of China

1, ABC likes to spend a lot of money, such as buying home appliances and decorating. Of course, before using this, call customer service as much as possible to explain the situation. Agricultural Bank of China can spend more and brush more, without limiting the number of swipes. Agricultural Bank of China prefers to brush.

2. Don't you think it's not worth having if the amount provided by Agricultural Bank is not capped? And as long as you use the credit card (debit card) of Agricultural Bank of China, you will be given a more or less quota every once in a while, basically in the first half of the year.

3. Agricultural Bank of China has running water. Of course, credit cards (debit cards) can also be phased in, so that when the bank makes money, it will naturally increase your quota.

4. Remember that ABC's credit card (debit card) is neither consumed nor cashed, and it is basically difficult to withdraw the amount after withdrawal by ABC.

5. ABC's temporary quota occupies a fixed quota, that is to say, using temporary quota means occupying a fixed quota promotion time, and it is best not to use temporary quota.

6. Don't call customers frequently to apply for cash withdrawal, or your credit report will show post-loan management.

7. ABC WeChat and telephone self-service voice can only increase the temporary quota.

8. Curve withdrawal, such as the credit currency some time ago. After the application is successful, call customer service and ask for leveling the line.

9. Before ABC raises the amount, it must be prepared to swipe its card in five different places, regardless of the amount, and then directly call the customer to say that it wants to decorate, buy home appliances, apply for a temporary amount of decoration, take the green channel, and then call the customer to say that it wants to raise the amount. If it is passed immediately under the condition of fixed amount, I think it is less, so I will call again immediately (only on the same day). The first call is not very important, and the second call will continue with the lion's mouth.

7. Bank of China

1. Bank of China attaches great importance to deposits, so before applying, or if it wants to withdraw the amount, it can apply for a Zhang Zhongxing debit card and make a time deposit.

2. The credit card amount should be as much as possible, and the total consumption within half a year should reach at least 30% of this amount.

3. 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 cash.

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

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

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

7. As long as China Bank has repayment records, it can adjust the temporary line once. You can then run the second temporary limit adjustment.

8. The first permanent credit line of China Bank is six months later, and the second permanent credit line is three months later.

9. Apply for a temporary quota first, and then apply for a new card. The permanent limit of the new card is the fixed and temporary limit of your previous card. When the above methods are invalid or ineffective, it is the best way to increase the credit card (debit card) limit of China Bank by constantly applying for new cards and canceling old cards at any time.

10, call customer service, apply for temporary line, and approve it in real time. Generally between 40% and 100%. Where are the loopholes in customer service? Customer service won't give you a particularly high price for the first time. 10000 The biggest application will be 10000, and he will only give you 7000. You have to ask him to transfer it to you.

8. China Construction Bank

1, no matter whether you spend a large amount or a small amount, there seems to be a lot of data, and it is more appropriate to spend more than 10 a month. Appropriate staging, it is best to brush some foreign currency, and not too many staging.

2, rigid, computer audit, manual non-intervention. The computer system is relatively rigid and operates in strict accordance with a set of scoring mechanisms within CCB. Only cardholders who have reached a certain score will be invited by CCB to upgrade the permanent quota, and cardholders cannot apply for upgrading the permanent quota.

3, appropriate staging, staging can not be too much.

4. CCB has many Haitao activities, and participating in its Haitao activities will help to increase the quota.

Nine, China Merchants Bank

1, China Merchants Bank likes to look at the amount of consumption and is not sensitive to large consumption. Change the consumption mode to credit card consumption as much as possible. If a credit card (debit card) has a limit of 10 thousand, it will cost 9999 a month, which is very different from spending 50, and the total amount will reach 9999. According to incomplete statistics, most banks will consider the activity of credit cards (debit cards) when comprehensively evaluating customers' credit.

2. If China Merchants Bank takes the initiative to increase the quota, it is better to say that spending abroad will increase the US dollar quota. In fact, when your dollar amount increases, your RMB amount also increases.

3. Education is preferred. It is not easy for China Merchants Bank to apply for a card with a card, and it is easy for white households with academic qualifications to apply.

If you don't have a degree, you should apply. It's best to open a savings card or save some money before applying! The preparation work is well done, and the automatic review after the application is passed is very fast.

5. China Merchants Bank pays special attention to the number of card swipes by cardholders, so it has developed the habit of swiping more credit cards (debit cards) of China Merchants Bank.

6. One more thing, consumption abroad, will greatly improve your success rate in applying for cash withdrawal. Maybe China Merchants Bank will take the initiative to ask you to withdraw money.

X. China CITIC Bank

1. CITIC Bank likes to spend in large quantities, with high rates and full repayment.

2. You can participate in the consumption activities launched by the bank.

3. CITIC Bank's cash withdrawal methods can be divided into genuine and special supply methods: genuine refers to large consumption and can be withdrawn in a short time.

The special method is to go directly to the business outlet to apply for a card, treat yourself as a new user, and fill in the information just like the information you already have on the credit card (debit card) of CITIC Bank. Just hand in the form, and you can get the card at 100%, and at 100%, you can double the amount of your new card, which is often referred to as the curve method.

4. CITIC Bank just doesn't use it very much, but it is easier to raise the amount, or it is possible to raise the amount after more than 9 months of card application.

5. CITIC Bank will spend more money on high-end merchants and reserve a 30% quota. Once the bill is paid in full, play with the credit card (debit card) to remind everyone that it is best to repay in full and on time, which is helpful for the adjustment of the quota! Compared with other banks, it is still difficult for CITIC to actively increase the quota.

6. In stages, the consumption is large, so it won't take long to increase the quota. In addition: after using the card for 6 months, spend 6 orders, repay in full, let the card sleep, and the bank will call you to withdraw the amount.

Xi。 Ping An Bank

1, open a Ping An savings card, take a walk, buy a Ping An insurance, open an account in lufax and invest a few dollars to have a footprint, and so on!

2. As long as you are prepared for peace, the card approval is basically 100%. In terms of the amount, Ping An Credit Card (debit card) was not very powerful when it first came down.

3. Ping An pays attention to quantity. They like to lend money with Ping An's money and pay interest, but as long as you make good use of Ping An's credit card (debit card), Ping An will take the initiative to give you a loan with a good amount!

4. If it is Xiaobai, you can go for a walk in Ping An first, then fill in the information and apply for a Ping An card. If it is safe, you can also apply for a card.

5. After using the card for half a year, you can basically apply for successful withdrawal. You can deposit a large sum of money in the bank first, then call the bank to apply for withdrawal, and then take out the money after the withdrawal is successful.

6. Ping An's main insurance. We can start with Ping An insurance and then raise a fixed amount of Ping An, with a success rate of 95%.

7. Curve cash withdrawal: download Ping 'an Gold Manager app, register, then log in, click-Credit Card (Credit Card)-Click on Card, click on more cards, and click on Ping 'an Elite Platinum Card. If there is a card speed, you can apply for a curve limit of 20 thousand yuan. If you have a card limit of more than 20,000 yuan, you can apply for Ping An Platinum Credit Card (credit card), starting with a limit of 50,000 yuan.

Twelve. Guangdong Development Bank

1, the bill must be rich, businesses in different industries. Don't use too many pens, normal 10-30 pens. Occasionally supermarkets, clothing stores, dinners, refueling, etc. , as real as possible.

During the first launch of the new card, you must show your spending power.

3.CGB's exit is self-help. CGB's withdrawal method should be the most basic means of playing credit card (debit card). Quite simply, it is about 80%-90% of the quota. After the bill is paid, pay it in full first, and then apply for withdrawal. Generally, you can apply for withdrawal once every three months as long as you use the card for more than half a year.

4. Don't be in debt for many months.

Spend money twice a year or pay by installments. Do not do too much. Everything else is repaid in full, which will make the bank feel that the funds are safe.

6. Don't always swipe your card for a long time.

7, the bill must be rich, merchants in different industries. Don't use too many pens, normal 10-30 pens. Occasionally supermarkets, clothing stores, dinners, refueling, etc. Can enrich the bill. When friends have a AA dinner or make large purchases, they can propose to swipe their cards and spend as much as possible. Especially during the first mention, you must show your spending power.

8. When the initial line is lower than 10K, you can appropriately overdraw, but pay attention to the debt ratio.

9. Being able to make temporary withdrawals and making more use of temporary withdrawals will also help to increase the amount.

Thirteen. industrial bank

1. To apply for an American Express card, Xingye.com requires at least one other bank's credit card (debit card) in his name, and it has been used for more than 1 year. The same person can only apply once within 30 days, and cannot apply repeatedly.

2. The general amount is between 3,000 and 20,000. Xingye card, it is recommended to choose: online purchase card and third-party co-branded card.

3. Go to the 4S shop to handle the car purchase contract. The contract cost is 1000. Take this car purchase contract to the counter of Industrial Bank to apply for the quota, and generally 100% will pass (1-3 times).

4. Apply for "accompanying loan". If there is a credit line in the card, you can apply for this "accompanying loan". Customer service will refuse to apply for an empty card, because this "accompanying loan" is included in the credit card (debit card) line, so you can't apply for an empty card.

When you want to apply for an empty card, tell the customer service that since you can't apply for this "loan with interest", can you add a credit card (debit card) to reapply? If the customer service asks you how much quota you need, you can say that it will be phased in naturally after it is raised. After the loan is approved, the funds will be transferred to the customer's savings card and can be repaid according to the bill every month.

5. Diversified consumption, spend more money, and try to brush merchants who cooperate with banks or industries that banks like as much as possible.

14. Huaxia Bank

1. Diversification of various amounts. The number and amount of credit card spending and the types of consumer merchants are definitely more. Users who spend more than 30% of the credit card limit within half a year will be more favored by Huaxia Bank. After that, Huaxia Bank will take the initiative to raise the amount for you. Even if you take the initiative to raise the amount, the pass rate will be much greater.

2. You can't be overdue. If you use Huaxia Bank's credit card (debit card), you must pay attention to credit and repay on time. If it is overdue, it will not only have to pay late fees and interest, but also have an impact on your credit information, so you can't apply for cards and loans.

3. Proof of financial resources. When handling Huaxia credit card (debit card), you can take out all your assets, such as income certificate, bank deposit certificate, real estate certificate, automobile production certificate, etc. , so that your quota will be as high as possible.