How to increase the credit card limit of Shanghai Pudong Development Bank

Mengda Financial Studio answers your credit card withdrawal skills:

1. The frequency of swiping cards is high.

In daily life, it is best to develop the habit of swiping your card when you can. On the one hand, you can use the interest-free period of the bank for free and add a little extra wealth management income for yourself. On the other hand, you have virtually become an active user of the bank. Usually the bank will give a quota to the active users of the bank.

2. High consumption amount

Irregular large-scale consumption, which can be repaid normally afterwards, is usually defined as a quality customer by banks. After judging whether the cardholder has a large demand, increase the credit limit as appropriate.

3. Sustained and stable consumption takes a long time

Generally speaking, for credit cards with cardholders over 1 year and monthly transactions, banks will take the initiative to withdraw the amount. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are greater.

4. Cash withdrawals are frequent, and credit card installment is often done.

Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of income generation, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.

Increasing the quota means swiping more cards, brushing enough, maintaining a good credit record, not overdue, and not overdue many times. There is also the hope that your income will increase, or your personal property will increase, so that the bank will evaluate your property higher and it will be easier to raise the amount.

Generally speaking, the credit card promotion amount is divided into permanent withdrawal and temporary withdrawal, depending on which withdrawal method you want. However, a bank stipulates that credit cards can apply for a temporary limit of three months and a permanent limit of six 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. If you can't repay in time, you must call the bank's customer service hotline in advance, explain the reasons to the manual customer service, and apply for a few days grace period. At present, most banks can give a grace period of three days, of which Guangfa Bank and China Construction Bank can give a grace period of five days.

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.

Tips for temporarily increasing the quota:

It is much easier to apply for temporary quotas than to permanently increase them. In addition, banks will withdraw from activities on holidays and take the initiative to make temporary withdrawals. However, if you need to apply for temporary withdrawal at ordinary times, the bank will approve it according to your actual situation.

However, it should be noted that the temporary withdrawal amount is generally 20% to 50% of the existing amount. The temporary limit is generally raised by one month, and the longest is not more than three months. After the temporary limit expires, the credit card limit will be restored to the original credit limit. After the temporary limit expires, the used temporary limit (the part exceeding the fixed limit) will be included in the minimum repayment amount of the latest bill and must be paid off in one lump sum on the due repayment date.