The quota is high, the conditions are relaxed, and the bank increases the quota quickly

1 Pay as much as you can within your spending range; As long as you can swipe your card, you will never pay cash; If you can't swipe your card, consider changing merchants.

2 Ensure that the repayment is made on time in each installment, at least the minimum repayment amount must be sufficient, but it should be noted that it is difficult to raise the minimum repayment amount, and it is best to repay the loan in full.

3 Don't deliberately withdraw cash in order to increase the limit, such as minimum payment, etc., that is a fool's practice

4 The specific quota increase standards of each bank are different Some adjustment quotas are relatively flexible, some take the initiative to raise the amount, and some need to apply, Bank of Communications is the former, and most of them are the latter.

5 Don't consider taking the method of freezing because if you don't meet the bank's quota raising standards, even if you force the card to cancel, it is useless, and the bank definitely does not lie in your quota (freezing, that is, not using a certain card for a period of time, snubbing it) But some banks are also useful, they will avoid annual fees, send points, and increase the amount to retain customers.

6 Generally speaking, a person holds a maximum of 2 3 cards Considering the cost and difficulty of managing cards, it is not recommended to supplement by applying for more cards Increase the credit limit Of course, this method is also useful, and the card limit is generally higher than that of the previous card after the card is issued.

7 Don't believe someone who claims that they can help you increase your credit limit through a relationship 100% of the charges, whether they are charged or not, or the order of the charges!!

8. More installments, a wider range of brushes, larger amounts, and more payment channels, such as fast payment and online banking payment.

Method 1: Frequent swiping of the card to maintain a high consumption limit, industry insiders said that in the auction, developing the habit of swiping and paying in daily consumption life will help the credit card to increase the limit. For example, shopping, going out to eat, watching movies, shopping in the supermarket, etc., in short, you should use your credit card frequently, regardless of the amount, an average of more than 10 transactions per month, and it is easier to raise the amount when it reaches more than 20 transactions.

Method 2: The types of consumer merchants should be diversified, not all merchants can generate income for the bank, so the corresponding bank usually does not accumulate credit card points for cardholders to swipe cards in such merchants, and such card transactions are not significantly helpful for applying for a limit increase. Cardholders are advised to make more transactions at merchants with points.

Method 3: Let the bank see your financial resources, and at the same time apply for a credit card, you can appropriately apply for a savings card of the bank and save a little money, or buy some wealth management products, so that the bank feels that you have the strength and can bear a higher overdraft limit. Of course, it is also possible to add more detailed personal information and provide more proof of assets, which is quite effective for cardholders who have a serious mismatch between credit limit and spending power.

Which bank has the highest credit card limit? In fact, there is no requirement for this, generally speaking, the bank is based on the application materials provided by the consumer to give the appropriate amount, generally, the basic conditions for opening a credit card is education, income certificate, the higher the income, the higher the credit limit.

From a theoretical point of view, without considering the feasibility, Minsheng Bank's diamond credit card has the highest limit of 5 million. However, they are very demanding, refusing customers to apply for the initiative, and the only people who can get this card are high-level people from Fortune 500 companies.

However, in terms of feasibility, the size of the credit card limit has little to do with the bank, but with your own conditions. The difference between credit cards between banks is only the quality of credit card services.

There are two aspects that banks need to consider when applying for a credit card:

Personal Requirements:

The better the credit of the company you are working for, the higher the credit limit (such as railways, banks, schools, civil servants, etc.), on the contrary, if you work in a small or medium-sized private company, even if you are the boss, you may not be able to apply, let alone the level of creditworthiness.

If you want a higher credit limit, you can consider providing proof ......of real estate (must be in your name), car property certificate, proof of your spouse's work and income, proof of large bank deposits, large amount of financial products, etc., and so onThese can be effective in increasing your credit limit.

Banking Services:

The standards of credit card services vary from bank to bank, generally speaking, China Merchants Bank's credit card business is the earliest and best, so far, general banks need guarantors or security deposits, etc., China Merchants Bank does not need to apply for credit cards; At the same time, if the card is lost, if the loss is reported within 48 hours, the bank will compensate for all losses, which all banks do not have, which should be said to be good.