China Merchants Bank does not raise the amount, suggesting how to break the recent consumption is le

China Merchants Bank credit card credit limit adjustment, currently can be applied for in three 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 you according to your past card use;

2. Or 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), fax or mail the financial proof that has not been provided before the card, including a copy of the real estate certificate (the real estate certificate must include the name of yourself or your spouse or minor children) The relevant departments will re-examine it according to your new information.

3. Log in to credit card online banking (public version and professional version), account management - account limit management - fixed limit adjustment - apply for an increase in the fixed limit, after the application, it will be reviewed according to your card usage. If you have a life in the palm of your hand, you can pay by card - Limit Management.

What is the credit card limit:

The credit limit of SPD Bank is determined according to the applicant's financial resources and credit situation, and there will be many factors to refer to, such as the customer's work nature, education, income, personal stability, personal social credit, and the use of other financial products.

Generally speaking, the limit of a general card is less than 10,000 yuan, the limit of a gold card is between 10,000 yuan and 50,000 yuan, and the limit of a platinum card is more than 50,000 yuan. According to the experience of the majority of cardholders, the first time to apply for a credit card of Shanghai Pudong Development Bank, the limit is about 2000-8000.

If you're not satisfied with your credit card limit, you can apply for a credit adjustment.

How much was your original bill?

Me too, there is no extra spending limit, there is less.

1.Don't do online consumption in the first two to three months after getting off the card, such as Alipay, **, JD.com, etc., these are all online consumption, but it's okay to consume online at China Merchants Bank's own, don't consume on third-party platforms.

2.If it has not been mentioned for a long time, then you have to see whether your credit card bill has been done in installment, the first you have an installment to see if your installment is too long, generally not more than 12 installments, when more than is the installment is too long, too long will affect your credit card limit, our installment is to contribute to the bank, when your installment is too long, it is not to contribute to the bank, the bank will feel that you are short of funds The risk index is relatively large, and the longer one will be matched with the bank to pay six installments. When the second phase of Shipei Gaohao, he directly called customer service ** to settle the installment in advance.

The second installment is too much, for example, you choose to installment in January, installment in February, and the same installment in March, at this time we have to keep multiple installments only once, leave the shortest installment, the smallest amount of installments, and settle all the other installments. If you use the card for more than six months, then we need to take 30% to 50% of the available credit card quota out and divide it into three to six installments, not too long.

3.If you want to credit the next month, the next bill can be raised, as far as possible to do the number of consumption, try to do about twenty, but not too much, if too much will also affect your amount, but these twenty purchases we can not repeat the merchant more than fifteen (that is, fifteen can not appear in the same merchant), if the limit is relatively low all of a sudden, we can pay it back in advance and then make the number of purchases, When we make 20 purchases, the credit in the card is almost used up, but we must remember that we cannot issue an empty card bill, and we must ensure that there is 30% of the credit limit or more in it.

At this time, we can wait for the bill to be issued, and we can look at the temporary and fixed inside the bill, and at least one of them can be raised.