Credit card limit increase method:
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
The frequency is to swipe your card anywhere you can, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for banks to think that there is a suspicion of cash withdrawal by credit card, and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Third, stick to application and seize the opportunity of application.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on applying for increasing the credit card limit by telephone.
Because different customer service or staff members have slightly different attitudes and principles in handling this application, the last one may pass without passing the next one. Sticking to the record left by telephone application will also help to increase the application amount in the future.
4. Threaten to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick and directly tell the customer service or staff of the bank.
If the credit card limit can't meet the actual demand, you will consider returning it. It's best to present some facts. Of course, the attitude should not be too bad. It is best to combine hard and soft, so that it is easy to get room for negotiation.
Extended data:
Precautions for credit card use:
1. The overdraft interest is 0.5 ‰ of the daily interest rate, with compound interest on a monthly basis.
2. If you use a credit card, you can enjoy interest-free, that is, no interest, if you repay in full before the due repayment date.
If only the minimum repayment amount is paid, there will be no such treatment, and interest will be charged from the day after consumption. If cash is withdrawn, interest is inevitable regardless of whether it is repaid in full before the due repayment date, and it will be charged at the interest rate of five ten thousandths from that day.
4. If it is overdue, there will be a late fee, and 5% of the unpaid part of the minimum repayment amount will be charged at one time.
Baidu encyclopedia-credit card limit
Baidu encyclopedia-credit card