China Guangfa Bank, is the new smart card and DIY card limit universal?

There are several ways to increase your bank credit card limit:

Proof of sufficient financial resources is provided at the time of card application. When applying for a credit card, you should provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car property certificate, etc., and the bank will evaluate the cardholder's assets based on these supporting materials. If the cardholder has a deposit in CCB or is a civil servant, it will also help the cardholder to obtain good credit, and it will also help the cardholder to obtain a higher credit limit under approval.

Spend as much as you can. The bank will conduct a comprehensive evaluation based on the customer's past card use, and it is recommended that cardholders can diversify the types of consumption when swiping the card, such as home appliance consumption, catering consumption, supermarket shopping, etc., and try to spend as much as possible in physical stores. The credit card center of the bank will adjust the limit adjustment according to the cardholder's utilization rate and repayment record.

A good repayment record is guaranteed. After using a bank credit card to make purchases, make sure to repay the loan on time before the repayment date every month. Once overdue, not only will you pay a high late fee, but you will also have a bad credit history, which will affect your future credit card application.

Apply for a temporary quota increase. Bank credit cardholders can apply for a temporary increase in the temporary limit, and the bank will comprehensively assess the range of the cardholder's limit increase based on the cardholder's usual consumption and repayment situation. Banks will think that the need for credit cards is stronger, and it is not difficult to increase the fixed limit.

The temporary quota needs to be paid off in one lump sum, so please be careful not to incur late fees.

The bank credit card application service is basically the following methods.

Peer credit card with a common limit.

There are two types of credit cards: ordinary card and gold card, and the limit standards of different levels of credit cards are different.

Credit line of general card: 2000 10000 yuan;

Gold card credit line: 10,000 50,000 yuan.

China Guangfa Bank will make a judgment based on the application information and personal credit status submitted by the credit card applicant, so as to decide whether to issue a credit card and how much credit limit will be approved.

Generally, China Guangfa Bank will make a judgment based on the following two points:

1.Whether you have a credit card from our bank or another bank.

If you have not used a credit card of another bank, the limit of the new smart card will be relatively low, but if you have used a credit card of another bank, the limit will be relatively high.

Therefore, cardholders who have generally applied for credit cards will apply for other bank cards by applying for cards with cards.

2.Whether it has a good credit profile.

If the applicant's credit standing is relatively good, the application materials submitted are complete and sufficient, the job is stable and the salary is high, China Guangfa Bank will approve a higher quota for him.

GF Smart Card is a fast credit card, which has been upgraded from the first generation to GF Smart Credit Card (new version). Below, let's talk about the benefits of GF Smart Card, GF points accumulate quickly.

All overdrafts and cash withdrawals of GF Smart Credit Card can enjoy 5 times the points, and at the same time, cardholders can enjoy 5 times the points for the installment principal when they apply for interest-free installments such as "Sample Bank", "Caizhi Gold" and "Bill Installment".

Usually, GF credit card cash withdrawal or installment transactions, the transaction is 1 yuan to accumulate 1 GF credit card points; If you withdraw 1,000 yuan in cash or handle a 1,000 yuan bill installment, you can easily get 5,000 points.

Points are used to offset the balance of consumption. Smart card points can only be used to offset the outstanding amount of the card, and cannot be exchanged for GF regular points gifts. Cardholders can redeem their points directly through GF Points**.

The new version of the smart card (the card has a light bulb pattern) is 10,000 points = 20 yuan; The old version of the smart card is 2000 points = 1 yuan, and the points must be an integer of 10000 points for each application for discount. For example, if a cardholder buys a mobile phone with 5,000 yuan and repays the transaction in installments, then he or she will receive 10,000 points, which can be used to offset the outstanding amount of 40 yuan.

It depends on the limit of your original credit card, which is generally not lower than the maximum limit of your original credit card. If you don't have a credit card, it's usually 5,000 to 20,000 yuan.

The new smart card of China Guangfa Bank is a credit card issued by China Guangfa Bank, the limit of the new smart card is generally between 3,000-10,000 yuan, and the limit of the new smart card gold card is between 10,000-50,000 yuan.

The specific amount will be determined according to the information and financial proof provided by the applicant at the time of processing.

OneNew smartThe limit of the general card is generally between 3,000 and 10,000 yuan, and the limit of the GF gold card is 11,000-50,000 yuan。You can ask for the specific amount when you handle it, and it will be within this range.

2. The limit of any credit card depends on the effective income and asset guarantee 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 collateral, that is, the higher the income and collateral, the higher the amount obtained. Therefore, the applicant must provide proof of income and a statement of asset security.

Asset collateral includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

3. Techniques for increasing quotas.

1. Continuous and frequent consumption by card. Continuity means that after having a credit card, you should insist on long-term card consumption, and it is best to have a credit card consumption limit every month for more than three consecutive months, and do not use it for a period of time and then freeze it for a long time. Frequency is to spend as much as possible in the place where you can swipe the card, regardless of the amount of the card, the more times and the merchant, the better, if it is a centralized one-time swipe, it is easy to be considered by the bank as a credit card cash advance, it is difficult to raise the amount.

2. Pay attention to the amount of credit card and temporary increase. Pay attention to the amount you swipe and make the most of temporary withdrawals.

3. Insist on applying and seize the opportunity to apply. Stick to the application and seize the opportunity to apply, both prongedly. For credit card users, you can insist on using ** to apply for an increase in the credit card limit, because there are slight differences in the attitudes and principles of different customer service or staff when dealing with this application.