1. Provide sufficient proof of financial resources when applying for a credit card. When applying for a credit card, provide as many proofs of your financial resources as possible, such as proof of income, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will based on These supporting materials will be used to evaluate the assets of the card holder.
2. Use as many credit card purchases as possible. China Construction Bank will make a comprehensive evaluation based on the customer’s past card use. It is recommended that cardholders diversify their consumption types when using credit cards, such as home appliances and catering. For consumption, supermarket shopping, etc., try to spend as much as possible in physical stores. China Construction Bank Credit Card Center will adjust the limit based on your credit card utilization and repayment history.
3. Ensure a good repayment record. After using a Construction Bank credit card for consumption, you must ensure that you repay on time every month before the repayment date. Once it is overdue, not only will you have to pay a high late fee, but it will also create a bad credit record, which will affect your future credit card applications. If there is an emergency and you cannot repay in time, you can call the China Construction Bank customer service hotline: 95533 to apply for an extension of repayment.
4. Apply to increase the temporary limit. CCB credit card holders can apply to actively increase the temporary limit. The bank will comprehensively assess the limit range that you can increase based on your usual consumption and repayment status. If you frequently increase the temporary limit, the bank will think that you have a strong need for a credit card, so it is not difficult to increase the fixed limit.
Extended information:
The credit card limit, also commonly referred to as the credit card available limit, refers to the maximum amount that can be used by your credit card, which includes the credit limit (that is, the maximum overdraft limit of the credit card) limit used) and the amount deposited to the credit card.
The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.
Therefore, applicants must provide proof of income and statement of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.
Tips for increasing credit limit
1. Continuous and frequent credit card consumption
Persistence means that after you have a credit card, you must insist on long-term credit card consumption, preferably three consecutive times. The credit card consumption limit is generated every month for more than three months. Don't use it for a period of time and then freeze it for a long period of time.
Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you have a credit card. It is difficult to raise the amount due to suspicion of cash withdrawal.
2. Pay attention to the amount of credit card swiping and the temporary limit increase
Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.
3. Persist in applying and seize the opportunity to apply
Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.
4. Use the threat of card cancellation or sleep suspension
Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that it is easier to gain room for negotiation and maneuvering.
Reference: Baidu Encyclopedia-Credit Card Limit