Credit Card Temporary Raise, Do Not Blindly Catch Up, Keep Rational.

Temporary upgrading seems simple and easy, but in fact it concealed many "doorways".

Recently, the public has been hit by an application failure. She said gloomily that she had always paid the bill on time, and that there was no problem in the credit history. Why?

When the "eleven" long vacation begins formally, and when the wallet is "thin", it is essential to consume credit cards, whether it is for outing or shopping.

Reporters visited to understand that in order to prevent credit cards from being "brushing up" and affecting the good mood of holidays, many citizens have temporarily raised their credit card overdraft limits.

In this regard, the industry said that the use of temporary quotas and the original amount of discrepancy, consumers should be cautious when using, after overdraft should be promptly repaid, in order to avoid overdue payment and interest, and even affect personal credit records.

It is understood that in order to temporarily raise the credit card overdraft limit, users can directly dial the bank customer service telephone to make an application.

Under normal circumstances, if the credit record is good, the application will come into effect, the upgrade amount is 20% to 50% of the original amount, if the user paction is active.

The higher the frequency is, the higher the quota can be applied to.

"When applying for promotion, the banking system should not only check credit records, but also make comprehensive assessments of cardholders' consumption demand and repayment ability."

A bank employee who did not want to be named told reporters: "users' cumulative usage quota in three months has not exceeded 110% of the monthly fixed amount, which may result in failure of the application."

That is to say, if the monthly fixed amount of the credit card is 20 thousand yuan, the cardholder will accumulate for nearly three months.

No more than 22 thousand yuan, then the banking system may determine that the user's large consumption demand is insufficient.

In addition to users' active applications, every eleven "Golden Week", "Spring Festival" and other consumption peaks, some banks will be "considerate" to take the initiative to help customers upgrade credit card amount, by "high quota" to stimulate.

Earn paction fees.

In this regard, the person reminded that the high credit line and low consumption ratio will have adverse effects on user ratings. For overdraft lines, cardholders should "do their best" according to their consumption level, and do not blindly "catch up".