Credit Cards Also Need Skills.

After six months of normal use of credit cards, you can voluntarily submit electronic applications or adjust the credit limit by calling the bank customer service. How to raise your credit card quota?

In fact, people who want to improve can't wait half a year. They always want to raise the amount immediately through various simple methods. Others, even with low initial quota, stable income and fixed assets, are reluctant to raise the amount, so the amount will not change for a long time.

For most people, she believes that credit card raising is a difficult problem. In fact, it is not necessary to solve the problem but transform the angle. For example, the A bank will give you a credit card limit of 10 thousand yuan, and you can spend a lot of money on it. You might as well apply directly to B bank for a new credit card. The total sum of two cards is raised.

Therefore, she believes that using cards must also learn to "raise" cards. The most basic way is to learn to swipe the card regularly, and then apply according to the rule of raising amount. Now, there are many ways to apply for the raise. For example, many banks have opened the WeChat quota, which can be adjusted temporarily or fixed. The two is to call the bank customer service adjustment. If you call in one to six months, you will have half the chance to apply.

The ultimate purpose of issuing credit cards is not to serve you or to me, nor to serve the masses, but to make money and make money in the most profitable way. If your credit card has other needs, it may be a good choice to pay in installments. Banks like the installment payment very much, so that banks can earn money, and naturally they will raise your quota.

On the other hand, she Conduct financial transactions Most people believe that the purpose of using credit cards is to save money and use credit cards. term To earn the difference and accumulate credit. If you want to pay high interest to the bank, you would rather not use the credit card. Therefore, if you want to make installment repayment, you must have other specific uses for credit cards, for example, if you run an enterprise for capital turnover, this is more convenient than loan and interest is almost the same.

The term "excess consumption" means frequent use of credit cards, regardless of the amount of money. Pay by card The place where credit card consumption is concerned, the best monthly account consumption accounts for 80% of the total amount. Your consumption quota is high. Your income and repayment are all in time. The bank naturally likes you and is happy to raise your quota.

The amount of credit card is the amount of money that banks lend you. Banks will set your quota according to your financial ability, credit records and other data. Generally speaking, the amount of platinum card will be much higher than that of ordinary card.