How to raise the amount of Guangfa Credit Card?

How to increase the credit card limit of Guangfa Bank?

Guangfa credit card withdrawal can be applied in the following ways:

1, found a wonderful APP.

Log in to the "Discover Wonderful" APP and click "My → Common Tools → Quota Management" to apply for temporary and fixed quotas.

2. Online banking

After logging in to personal online banking, click "Credit card → quota management → quota adjustment application" and follow the prompts on the page.

3. WeChat official account

Pay attention to the official account of WeChat WeChat, Guangfa Credit Card, and select "Adjust Amount" in the menu bar of "Do Card-Use Card" to apply for cash withdrawal.

4. SMS

Edit the expected upward adjustment limit of the last four digits of XTE card or the expected upward adjustment limit of the last four digits of XLT card with the reserved mobile phone, and send it to 95508 to apply for consumption limit or temporary consumption limit.

5. Customer service phone number

Dial 95508 directly to adjust the amount of eligibility application.

Cardholders should note that it usually takes 6 months to open an account for the first time and the card is in normal use, so they can apply according to their own needs in the future.

The main features of credit cards:

1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;

Credit card is a high-tech product integrating financial business and computer technology.

4. Credit cards can reduce the use of cash and currency;

5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;

6. Credit cards can simplify the collection procedures and save social labor;

7. Credit cards can promote commodity sales and social needs.

Main types

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

Take a look at it with Guangfa Credit Card, teach you how to raise the amount, and suggest collecting it.

Guangfa Bank: The quota is high, the risk control is small, the points are well used and valuable, and there is a chance to obtain exclusive financial management funds several times more than the quota. I need money urgently, and I really need a loan.

Rates are constantly changing according to time and customer conditions. Of course, the premise of the above points is that you should use the card well.

Guangfa's quota has been very powerful. Especially for ordinary cards and gold cards under application, it is not a problem to increase the amount of cards. Have you ever seen anyone who has used the Guangfa True Love Card for nearly 300,000 yuan?

So, which card method is more suitable for Guangfa? Summarize the case mainly from the following aspects:

1, GDB card likes small and multiple transactions, occasionally large, and the amount should not be too large (depending on the amount of your card, 300,000 cards, sometimes 20,000 to 30,000 cards are not exaggerated), so as not to let the bank recognize the cash-out behavior, not to blow up the bills in each period, and appropriately reduce the debt ratio.

2. The withdrawal amount of Guangfa is relatively dead. Usually once every six months. However, it is rare to withdraw the amount by card in three months. It is estimated that the bank wants to encourage users to use cards.

3; The amount of GDB card is calculated according to the card approval date, for example, from the card approval date of 20 1710.4 to July 5, 20 17, the first withdrawal is exactly half a year.

4.GDB card is phased, and the amount may not be increased smoothly before the end of the phase. After the amount is put forward, it is fooled by the salesman to do several stages. So far, the quota has not been raised for one year, and every application is manually intervened, and sometimes the information is verified by telephone. To this end, we must find the right time for cash installment or graduation.

Note: Many banks adopt the method of cash installment graduation (cash installment quota used > = graduation quota), which is reasonable if it exists, especially China Merchants Bank and China Guangfa Bank.

Please pay attention to the following points when using the cash installment method:

1: When there is a fixed quota, temporary quota and cash installment will appear. Please apply for a fixed quota first.

2. I can roughly estimate that I can graduate, swipe my card more and increase the amount of use, so that the possibility of graduation is great.

3. Good mentality, not necessarily graduation, but very likely.

What is the approval amount of GDB card?

If it is a white household, it is generally controlled within 20,000, before 20,000 to 50,000. If there are already credit cards from other banks, please refer to the credit lines of other banks for approval (the four major banks are more useful).

Generally, the success rate of Guangfa curve is not high, but many netizens' curves are unsuccessful, and there are also successful cases, but few.

Over-limit problem of guangfa card

Platinum doesn't charge an overrun fee, and 5% overrun of Jinpuka is 10%.

Modify the billing date of GDB card

Puka and Gold Card can't be modified, Platinum Card can, once a year.

GDB gold card applies for platinum card

Generally, you can apply for 1.5 thousand or more, but it is safer to apply for more than 20 thousand.

The problem of increasing the limit of GDB card

Many friends can withdraw the amount on time whether it is 3 months or 6 months, but some just prompt that the comprehensive conditions do not meet or the comprehensive conditions do not meet the application for adjustment. In this case, I personally suggest reducing the number of credit cards or even refrigerating them, and then trying to withdraw cash in a few months.

GDB card platinum card withdrawal problem

This is a matter of opinion. I've only seen a few netizens raise the amount on time on the forum. Most of them can't be mentioned. Some friends around me also have gold and platinum cards. The platinum card was found useless in the background, so the card was cancelled directly.

A few days later, I immediately raised the amount. This is my friend's personal experience, but whether it is practical for everyone to increase the quota to sell platinum cards remains to be verified. After all, everyone's card habits, credit limit and credit time are different.

The "life gate" of Guangdong's card issuance

Personally, I think it's not good to spend more time on credit cards. Generally, the credit card limit is controlled below 50%, and I want to withdraw it every three months. Personally, I suggest you spend more money on your credit card every two months, and spend less or nothing in the last month. You can try to mention it. This is a personal habit of using cards.

Many other banks' cards have little influence on Guangfa's credit card application, but what really affects is your personal total credit line, which may be found in the detailed personal credit report. If it is overdue, it may have a great impact on your review.

How to raise the amount of Guangfa Credit Card? The conditions/application channels are all here.

Many card friends will encounter the dilemma of insufficient credit card limit. Different bank credit cards want to increase the limit in different ways. Today, I will give you some suggestions on how to increase the credit card limit of Guangfa. The conditions for withdrawal and the way to apply are here.

First, CGB credit card withdrawal conditions

1, permanent quota increased.

The first application requires the cardholder to use the card continuously for more than half a year, and the card status is normal. Whether the application is successful or not, the bank needs to review the cardholder's card use and repayment:

1) multipurpose card

Try to swipe your card where you can use your credit card for daily consumption, to ensure that the amount of consumption is large and small, and the types of merchants are diversified. In addition, the monthly consumption amount is also a key data. It is best to keep it at about 30% of the credit limit of a credit card, and the more the better, but it is not recommended to make unnecessary consumption in order to raise the limit.

2) Repayment on time

It's best to repay in full, so that the bank will think that your repayment ability is relatively strong and your performance is good. If necessary, you can also pay by installment or the minimum amount, which can not only create expected income for the bank, but also protect personal credit.

3) Card taboo

Don't make too many online transactions, withdraw cash from credit cards too frequently, and never involve illegal activities such as cash withdrawal from credit cards.

2. Temporary quota increase

It is relatively simple for Guangfa Credit Card to increase the temporary limit. As long as the credit card is opened for more than 3 months, the personal credit is good.

It should be noted that the temporary adjustment is generally valid for 30-60 days, and the increased amount is only used for consumption, not for cash withdrawal, which is more suitable for meeting the short-term large consumption needs of cardholders.

Second, ways to increase the credit card limit of Guangfa

1, "Discover Wonderful" APP application

Download and log in to the "Discover Wonderful" APP, and click "My → Common Tools → Quota Management" after logging in.

2. WeChat official account

Pay attention to the official account of credit card WeChat of Guangfa Bank, and click "My service → I want to adjust the amount" at the bottom of the WeChat dialogue page to apply.

3. SMS application

Edit the SMS with the mobile phone number reserved by the bank and send it to 95508: consumption amount: the last four digits of XTE card are expected to increase (if it is expected to be adjusted to 20000, XTE 888820000); Will be sent); Temporary consumption limit: the last four digits of XLT card are expected to increase (if it is expected to be adjusted to 20,000, XLT888820000 will be issued).

4. Customer service hotline application

How to adjust the credit limit of Guangfa Credit Card to know these "complete victories"

Card friend Xiaobai has set up a Guangfa credit card, but the credit line issued by the bank is too low to meet the daily consumption demand, which makes him very upset. In fact, it doesn't matter that the credit card limit is low, and the limit can be adjusted. Today I will tell you how to adjust the credit card limit.

I. Adjustment conditions for the credit line of Guangfa Credit Card

1, temporary line adjustment

The threshold for adjusting the temporary credit limit of credit cards is relatively low. As long as you continue to use the card for 3 months and maintain a good credit, the credit card limit is 30% of the credit line every month.

2. Quota adjustment

Guangfa credit card has been used for more than half a year; And maintain good card habits, good personal credit; The higher the credit card limit, the better. It is best to reach about 80% of the credit limit of the credit card, and it must not be blown up.

II. Ways to adjust the credit line of Guangfa Credit Card

1. The cardholder directly calls the customer service telephone number 95508 of Guangfa Bank and directly applies to the customer service staff.

2. Apply through the "Discover Wonderful" APP, and there will be an entrance for "quota adjustment" directly on the home page.

3. Apply for the official WeChat account, pay attention to the official WeChat account of "Guangfa Bank Credit Card Center", and enter "I want to adjust the amount" through "My Service" in the bottom menu bar.

4. To apply in official website, log in to the official website Credit Card of Guangfa Bank and click "Credit Card → Line Management → Line Adjustment Application" to apply for withdrawal.

5. SMS application, use credit card to reserve mobile phone number, edit fixed limit: the expected limit of the last four digits of XTE card, and edit temporary limit: the expected limit of the last four digits of XLT card, and send it to 95508.

Third, the skills of adjusting the credit limit of Guangfa Credit Card

1, diligent credit card, daily consumption can be swiped as much as possible, and there are many types of merchants, and the amount of swiping cards is different;

2. It is best to repay the credit card in full. If you can't repay in full, you can repay in installments. Be sure to avoid overdue credit cards;

3. Cash withdrawal should be moderate, frequent and excessive, which is easy for banks to suspect that you have taken the current behavior;

Summary: How to adjust the credit limit of Guangfa Credit Card? The above summary is expected to be helpful to all cardholders. In addition, the credit card limit is not as high as possible, as long as it can meet consumer demand. If the limit is too high, it will easily lead to blind consumption by cardholders, resulting in repayment pressure.

Excuse me, how to raise the amount of Guangfa Credit Card?

Guangfa Credit Card can apply for withdrawal through outlets, telephones and online banking, but withdrawal is not arbitrary. Before withdrawing cash, it is necessary to standardize the use of cards, such as maintaining more than 20 credit card swipes per month, diversifying consumer merchants, avoiding spending in a single merchant, and balancing the amount of consumption, not just spending in large amounts, and avoiding cash withdrawal and overdue repayment.

In addition to standardizing the use of cards, we should also pay attention to the time of card use. If it is to increase the temporary credit limit of Guangfa Credit Card, it will take more than 3 months, and it will take more than 6 months to increase the fixed credit limit.