Why did I receive a credit card limit increase text message from China Construction Bank but the limit was not increased?

There are two types of CCB’s SMS limit increase, one is a temporary limit increase, and the other is a fixed limit increase SMS.

There is no need to reply to the text message for temporarily increasing the limit. It is to inform you that CCB has increased the temporary limit for you.

SMS messages that increase the fixed quota must be responded to. Respond to the text message based on the content of the invitation in this text message, and then within about 3 working days, CCB will review and adjust your card. After the adjustment is completed, it will send you a text message to tell you that the card limit has been adjusted.

You can increase the number of times you swipe your card for consumption, use your credit card frequently, and swipe your card wherever you can, regardless of the amount of consumption.

You can increase the amount of consumption, consume more, try to choose larger consumption, and the monthly bill consumption should be at least 30% of the total amount.

If you apply for temporary quota increase multiple times, if you need to increase the quota for short-term reasons such as holidays, tourism, business trips, etc., you can apply for temporary quota increase, which will be easier to approve.

Extended information:

1. Tips for increasing the credit limit. Sustainability means that after you have a credit card, you must insist on swiping the card for a long time. It is best to swipe the card every month for more than three consecutive months. The consumption quota is generated, so don’t use it for a period of time and then freeze it for a long time.

2. Frequency means to swipe cards wherever possible, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your cards all at once, it will be easy to be considered by the bank. It is difficult to raise the limit if there is suspicion of cash withdrawal on a credit card.

3. Persist in applying and seize the opportunity to apply, a two-pronged approach.

Four. For credit card users, you can insist on using the phone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe the previous one However, I passed it the next time, and the record left by insisting on phone applications will also help in future applications for quota increases.

Baidu Encyclopedia - Credit Card Limit