How to apply for a temporary quota for Bank of Communications

The main ways to apply for a temporary quota are:

1.To apply for online banking, log in to the online banking of the corresponding bank, enter the limit inquiry page, enter your credit card number, and select the adjustment application.

2.**Voice application, you can also call the corresponding bank customer service**, select the credit card type manual service, verify the identity through the card number or ID number, and manually apply for the adjustment of the credit card limit.

The main precautions are:

1.Temporary limit increases have a validity period, and after the time limit, the bank will automatically restore the card to the original limit, which can be clarified with the corresponding customer service staff.

2.When repaying, the part that exceeds the fixed amount after the temporary increase cannot enjoy the minimum repayment treatment.

3.Spending after applying for a temporary increase is not eligible for bill installment.

The limit of the credit card is determined according to the applicant's financial resources and credit situation, and there will be many factors to refer to, such as the nature of the customer's work, education, income, personal stability, personal social credit, and the use of other financial products. If you're not satisfied with your credit card limit, you can apply for a credit adjustment.

1) Temporary quota increase.

If you have a large amount of consumption in a short period of time, you can call the credit card customer service** to ask for a temporary limit increase, and if you meet the conditions of the bank's temporary adjustment, the temporary limit adjustment can be achieved within 24 hours. The temporary limit is valid for 30 days, and the credit limit will automatically revert to the original limit after expiration.

2) Long-term quota increase.

1. Use credit cards frequently, and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped, and frequent use will definitely help cardholders increase their credit limit as soon as possible.

2. Guarantee the amount of credit card consumption every month. It is best to generate at least 30% of the total credit card consumption record every month, and insist on it for more than half a year, so that the banking system can easily recognize the cardholder's spending power and take the initiative to invite the cardholder to increase the credit limit of the credit card.

3. Make sure your credit card can be repaid on time and in full. This is important for credit cardholders who want to increase their limit. If you fail to repay the loan on time and in full, you will have a bad record of credit card repayment, which will not only affect the personal credit of the cardholder, but also greatly extend the time for the credit card to increase the credit limit.

4. Enrich the types of credit card consumption. Different types of consumption will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of credit card limit increase to a certain extent. Within the scope of our capabilities, we will increase the opportunities for large purchases on credit cards, so as to promote the increase of credit card limits as soon as possible.

In the case that the fixed credit limit of the user's old credit card is not enough (such as travel, decoration, etc.), you can call the credit card center of Bank of Communications** and ask the customer service to temporarily increase the credit limit within a certain period of time, and the customer service will determine whether the credit limit can be temporarily increased for the user according to the user's card records, and the credit limit will be adjusted back to the original fixed limit after the specified time.

Increasing the temporary credit limit allows cardholders to enjoy the convenience of swiping the card during peak spending, but the temporary limit does not enjoy revolving credit, and the part of the actual credit limit exceeding the original credit limit will be included in the minimum repayment amount of the current statement, which needs to be repaid in one lump sum before the due date.

Credit limit adjustments can currently be applied for in two ways:

1. After holding the card for a period of time, you can apply for an increase in the credit limit in the voice of our customer service** or log in to the online banking or call the customer service**, and we will apply for it for you according to your past card use.

2. When your financial level has improved to a certain extent, you can also provide us with relevant certificates, such as real estate, car property, China Merchants Bank savings certificate, etc., which you have not provided before, and the relevant departments will re-examine it according to your new information.

As the name suggests, the temporary credit limit refers to the credit limit that the bank temporarily adjusts to the credit card holder, and generally speaking, the temporary credit limit is increased.

Increasing the temporary credit limit allows cardholders to enjoy the convenience of swiping the card at peak consumption, but the temporary limit does not enjoy revolving credit, and the part of the actual credit limit exceeding the original credit limit will be included in the minimum repayment amount of the current statement, which needs to be repaid at once before the due repayment date.

When the temporary quota expires, if the cardholder has not returned the used portion of the temporary quota, a certain percentage of the overlimit fee will be charged, usually 5% of the overlimit amount, and the temporary quota cannot be paid in installments.

If not, call the manual customer service of the Bank of Communications to apply.

You can apply for the temporary credit card limit of Bank of Communications online, but you need to open online banking. Credit limits are divided into temporary and permanent limits

1. To apply for a temporary credit limit, the cardholder must have held the card for at least three months to apply for the temporary credit limit, and the cardholder shall call the bank's customer service to apply, and the bank will make adjustments according to the customer's credit status and card usage. The temporary credit limit is valid for up to 3 months and will automatically revert to the original credit limit after expiration.

2. The credit limit of a permanent credit card must be at least six months old. At the same time, the applicant is required to provide sufficient credit certification materials, which will be reviewed by the relevant departments, and it generally takes 3 working days to have a result.

The amount of consumption this month is very large, and the fixed limit of the credit card cannot be raised, so the temporary limit is a good choice at this time, so what are the conditions for applying for the temporary limit of the Bank of Communications credit card? Here's a look at what I've brought.

1. Good credit record, no personal bad credit record in various banks;

2. The Bank of Communications credit card must be used normally for at least half a year before the Bank of Communications will process your application for increasing the limit.

3. There must be a reason to apply for a temporary increase in the quota.

4. There is no overdue, no overrun, and the card is basically good.

In addition, if the amount of consumption card has been kept high, it will bring more convenience when applying for a temporary increase in the limit.

2. How to apply for the temporary credit limit of Bank of Communications.

2. Online banking application.

Go to the online banking of Bank of Communications and log in to "My Credit Card" Easy Accounting I want to adjust the amount. (Official cards and quasi-credit cards cannot be increased through online banking).

3. Customer service application.

4. Network application.

You can go to the local Bank of Communications branch to find the bank staff to help you apply.

III. Precautions for the Temporary Limit of Bank of Communications Credit Card.

1. The temporary credit limit of Bank of Communications Credit Card shall be valid for no more than 3 months, after which your credit limit will be automatically restored to the original credit limit.

2. Bank of Communications will have a system to determine how much temporary limit each customer's credit card can increase, and the amount adjustment is different for each person.

3. After applying for a temporary increase in the credit limit of Bank of Communications, you must remember to repay the loan in full, and the temporary limit cannot be used with the minimum repayment amount or bill installment.

The above is what I introduced to you about "What are the conditions for applying for the temporary limit of Bank of Communications Credit Card?" I hope this article I have compiled will be useful to you. If you want to know more about credit cards, it is recommended to pay attention to Jintou Credit Card!

The Bank of Communications needs to do the following to withdraw the temporary quota:

1. Multi-use card, it is best to often use up the limit of Sun Sleepy, so that the bank will feel that your current limit is not enough.

2. Repay on time, repayment on time can be a symbol of the ability to repay, and you must keep repaying on time if you want to raise the amount.

3. Good usage record: After using the credit card, you must repay the loan on time, if you can't repay the full amount at the minimum or in installments, don't overdue.

4. After 3 months of card opening, the credit card needs to be used by Zheng Zhao for 3 months before applying for a temporary quota.

Arbitrary consumption ads.

The emergency channel arrives quickly!

BOCOM can apply for the temporary quota through the following methods:

2. Online banking application: Log in to the online banking of the Bank of Communications, then select "Card Management", and click on the quota adjustment to apply.