How to increase the credit card limit?

The process for CCB customers to apply for credit card limit adjustment is as follows: 1. Log in to mobile banking and enter the menu of "Credit Card-Card Service-Card Service-Limit Adjustment". 2. Follow and enter the official WeChat account of China Construction Bank. After binding the credit card, go through the "Credit Card-Billing/Repayment/Limit Management" menu. 3. Send the short message "4 digits after CCTE# # expected temporary limit # 1" for temporary increase to 95533, and the short message "4 digits after CCTE# # expected permanent limit #2" for permanent increase to 95533. 4. Log in to personal online banking and enter the menu of "Credit Card-Card Manager-Quota Management-Apply for Quota Adjustment". 5. Go to the homepage of CCB official website and enter the menu of "Individual Customer-Credit Card-Line Adjustment". Note: The above channels all support temporary quota adjustment, among which SMS, mobile banking, personal online banking and WeChat banking also support permanent quota adjustment.

(In case of business changes, please refer to the actual situation. )

Fast withdrawal method of CCB credit card

Withdrawal method: in the process of daily card use, the multi-use stage; 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.

You can use the card to withdraw the amount through bank outlets, customer service hotline and other channels, but you need to use the card for at least 6 months and pass the audit before you can withdraw the amount. It is recommended to spend money by credit card at ordinary times, repay in time, leave a good credit record, and occasionally go to high-end hotels and supermarkets to spend money by credit card. If you have a record of spending abroad, it will also increase the pass rate of cash withdrawal.

It is suggested to diversify consumption and pay back the money on time according to the total amount payable in the credit card bill, which is more conducive to the accumulation of credit and the adjustment of credit limit. If necessary temporarily, you can try to apply for a temporary quota.

First, telephone self-service voice.

Second, online banking-credit card-credit card quota adjustment.

Third, SMS adjustment.

How to raise CCB credit cards?

How to raise CCB credit cards:

First, if you want to increase the quota, you must ensure a good repayment record. After using the bank credit card to spend money, you must ensure that you repay on time before the monthly repayment date. If you can't repay in time in case of emergency, you can call the bank's customer service hotline to apply for repayment within the securities period.

2. After holding the card for a period of time, you can apply for increasing the credit limit by speaking on our customer service hotline or logging in to online banking or calling the customer service hotline.

Three. When applying for the initiative to increase the temporary limit, the bank will comprehensively evaluate the range of the limit that the cardholder can increase according to the cardholder's usual consumption and repayment. If you use too much, you can apply for a temporary quota.

Fourth, timing is very important, which is most effective on the billing date or when the card has just been maxed out.

Five, as much as possible credit card consumption. The bank will make a comprehensive evaluation according to the customer's past card use, and suggest that cardholders can diversify their consumption types when spending by credit card. Some bank credit card centers will adjust the credit limit according to the cardholder's usage rate and repayment record.

China Construction Bank was established in June 1954+ 10/0/. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 17 In February, BrandFinance released the list of top 500 global brands on 20 17, and China Construction Bank ranked it as 14.

In 20 18, Fortune Global 500 ranked 3 1. 20 18 February, the "Top 500 World Brands of 20 18" compiled by the World Brand Laboratory was announced, and China Construction Bank ranked 203rd. July 20 19 was selected as the Fortune Global 500. The Belt and Road Initiative ranks 40th among the top enterprises in China 100. 20 19 12, China Construction Bank was selected as the brand of 20 19 China Brand Power Festival 100. 20 19 12 18, People's Daily released the China Brand Development Index 100 list, and China Construction Bank ranked 25th. 20201October 4th, 65438, won the evergreen award of Caijing 2020 "Sustainable Development Benefit Award". In March 2020, it was selected as one of the top 500 global brands in 2020 13.

How to increase the credit card limit of CCB?

Customers can adjust the credit card limit through the following channels:

1. Mobile banking customers can log in to mobile banking and go through the menu of "Credit Card-Card Service-Line Adjustment";

2. Pay attention to the official WeChat of "China Construction Bank" and handle it through the menu of "Credit Card-Bill/Repayment/Limit Management" after binding the credit card.

(In case of business changes, please refer to the actual situation. )

How to increase the number of credit cards?

There are generally three kinds of credit card withdrawal: permanent credit extension, fixed credit extension and temporary credit extension. If you want to increase the permanent credit line of CCB, you can only honestly swipe more credit cards and keep repayment records for the invitation of the bank. But it is relatively easy to increase the temporary quota. Just call CCB credit card customer service telephone number 4008200588 to apply. Methods of improving the quota of China Construction Bank;

1. Keep consumption stable. This is related to the scoring mechanism. Generally speaking, banks will think that cardholders who use cards with small amount, many times, physical stores and occasional installments have higher stability and higher scores. It is even more no problem for such people to raise the quota.

2. Submit a new financial certificate. Banks generally don't refuse customers with strong financial strength. If you can submit new financial certificates to the bank, such as real estate license, vehicle ownership certificate, large deposit certificate, etc. It is generally not difficult to apply for an increase in the quota.

3. Convert temporary quota into fixed quota. Generally speaking, the success rate of changing your temporary quota into a fixed quota through online customer service is relatively high. Card friends who wish to convert the temporary quota into a fixed quota can choose online customer service in CCB official website and submit an application. Not once, twice, try a few more times.

4. Add foreign consumption. In fact, not only CCB, but also domestic banks generally have "ha", but especially CCB. Therefore, card friends who want to raise the amount can do more Haitao, or donate to the US dollar account, or help to raise the amount.

Factors affecting credit card limit:

1. Company information: firstly, the nature of the company, civil servants, public institutions, top 500 enterprises, etc. These units have strong stability and strength, and the welfare benefits of employees are far better than those of private enterprises. If it is an ordinary enterprise, the department and position of employees will also affect the credit card limit.

2. Income: This income refers to the annual income, but it is not only calculated by monthly salary. If the company has other benefits and year-end bonus, it can be converted into cash value and included in the annual income. The higher the income, the higher the repayment ability of the applicant and the higher the amount of card approval.

3. Working years: Working years can reflect the income level of the applicant from the side, and can also explain the stability of the applicant. With long working years and strong stability, the income will still be slightly higher than the working hours.

4. Marital status: Marital status is also the embodiment of stability and repayment ability. Judging the amount according to the marital status is usually as follows: married with children > married without children, married without children > unmarried. This can be filled in according to your age and actual situation.

5. Personal assets: Personal assets are actually equivalent to additional protection. Income from personal assets will enable banks to better recognize the repayment ability of applicants.

6. Debt ratio: The personal debt ratio can also reflect the repayment ability of the applicant. If the debt ratio is high, there will definitely be less money available for repaying credit cards, and the repayment ability will be weak.

This concludes the introduction of how to increase the credit card limit and how to increase the credit card limit. I wonder if you have found the information you need?