As one of the four major banks in China, ICBC's credit card ranks first in the number of cards issued in China. There are many cardholders who hold ICBC credit cards, and it is also very difficult to apply for credit card thresholds and withdraw cash. Many cardholders of ICBC said that they have used their cards for many years, but the quota has never been greatly improved. Today, Xiao Qin will share with you the special operation method of ICBC's credit card withdrawal, hoping to help you!
First, diversified consumption.
As long as you spend more credit cards, it is very helpful for credit card withdrawal. Regardless of size or quantity. If you spend in a single merchant for a long time, it will be more difficult to raise the amount. ICBC pays little attention to the quality of merchants and has no special requirements for high-end merchants. As long as the number of swipes is large and the merchants are diversified, you can swipe your card at least 25 times a month to avoid one-time swiping more than 60% of the credit card limit.
Second, establish a star rating.
Card friends who are familiar with ICBC know that the star rating of ICBC is the standard to measure the credit line of ICBC. The higher the star rating, the higher your credit card limit at ICBC. In the past, you could quickly reach the standard by swiping the star with a savings card, but now the card-breaking operation directly shattered this way. At present, the star-making method with the lowest cost and the lowest threshold is to quickly create the demand for improving the star rating by creating the effective flow of the savings card every month.
Third, the curve of the amount of two certificates
I believe that card friends are familiar with curves. By applying for a second card, when the amount of the second card is higher than that of the first card, the curve is successful. It's easier said than done. I believe that most card friends have tried this method on their own, and many card friends have failed, because the choice of card, the use of the original card and the timing of the curve are very important to the success of the curve. If you blindly curve, it will only lead to the same amount of two cards and one card, which will lead to the failure of the curve! In the evening live class, the teacher has practical skills to talk about two cards of curve (international cards). This method can basically achieve the success of 100% curve. If you are interested, you can consult Xiao Qin to learn the detailed curve method.
Fourth, build financial e-loan.
I believe everyone is familiar with e-loan, and its credit line and credit card line are shared by * * *. Create an ICBC e-loan line, and then apply for a new card. The e-loan line can be changed into a credit card line, with a maximum of 30w! If you don't know any card friends before, you can consult Xiao Qin for detailed methods.
Verb (short for verb) Good credit information.
ICBC's credit card has a three-day repayment grace period. If it is not returned after 3 days of repayment date, it will be used for credit investigation. Now the importance of credit reporting need not be repeated by Xiao Qin. You card friends need to pay attention.
Excuse me, how to refund ICBC's credit card?
ICBC credit card withdrawal methods include:
1. Customer Service Telephone Withdrawal: Cardholders can call ICBC Credit Card Center at 95588 and press 9 to transfer to manual service. Apply directly to the customer service staff to increase the credit card limit of ICBC. This method is simple to operate and suitable for all cardholders.
2. Fax withdrawal: Cardholders can call 95588-6 to fax the credit card withdrawal application form, fill in the relevant information correctly, and fax the receipt to ICBC customer service. The credit card transfer application form is submitted to the local credit card center. If it meets the transfer criteria, it can be successfully processed within a few working days.
3. Self-service terminal withdrawal: At present, there are self-service terminals in some areas, and users in those areas can also make self-service withdrawals with credit cards through multimedia terminals in business outlets. ICBC credit card users can also apply to the local credit card center for temporary adjustment of the quota on major festivals or for the needs of large-scale consumption.
4. Counter withdrawal: Cardholders can bring their ID cards, credit cards and other relevant supporting materials to the counter of bank outlets to find relevant staff to withdraw credit cards.