Quickly increase credit card limit by 100,000-200,000, I succeeded with this method!

I didn’t know how to use cards before. I had a credit card from China Merchants Bank. I had been using it for four years and still only had a limit of 6,000, which never increased. Until I met a knowledgeable friend, and under his guidance, within a month of using my card, the fixed limit was raised to 40,000, and the temporary limit was 45,000. Next, I would like to share with you the tips for quickly increasing your credit limit introduced by my friend. I hope it will be of some practical help to friends who use credit cards. Friends are also welcome to share and exchange their experiences.

Quickly increase your credit card limit to 100,000 or 200,000, learn how to do it, you can too! If we want to raise the limit, we must first understand the bank. Banks are actually very contradictory. On the one hand, they want to make more money, but on the other hand, they are afraid of risks. As cardholders, we not only want to have a higher limit, but also want to reduce unnecessary expenses. The bank gives you a credit line just to make a profit. It is not a charity. There is no need to think that it will give you help when you are in trouble. It will only add icing on the cake. If the bank can't earn interest, and even getting the principal back is a problem, it might as well not give it to you. Wouldn't it be better to give it to other people who can make money and have low risk?

So, remember two points, one is to make the bank make money, and the other is to make the bank feel safe. So let me share with you how to operate it specifically.

First, in the first three months after opening the card, accumulate credit, diversify consumption, and repay on time. Why does the bank require more than three months to raise the limit and more than six months to apply for a credit card? It depends on how you use the credit card and whether you can repay the loan on time and whether it is safe or not.

Second, pay back frequently and repay when you have money. The advantage of this is that your credit card vacancy rate is low. The more frequently you swipe and repay the card, the more the bank likes it. You feel that your funds are safe and you can earn money. money.

Third, the POS machine with small amounts and points is often used to make money for the bank.

Fourth, for those who want capital turnover, please read the first item. The bank believes that the key to cashing out lies in the proportion of large purchases and overdrafts. You can make multiple small payments several times, and don’t use up your credit limit in just two payments.

Fifth, you can cash out once or twice a month to let the bank earn some interest.

Sixth, do an installment once in a while, three to six installments is the best.

Seventh, swipe multiple cards, swipe diversified, pay electricity and water bills, buy clothes, buy appliances, buy jewelry, buy snacks, stay in hotels, KTV, coffee shops, large supermarkets, etc., one month If you swipe 25 to 30 times, the bank will have system records for review, which will slow down the speed of the limit increase.

Eighth, overseas consumption. In some software shopping in Shanghai, a few dozen yuan is considered overseas.

Ninth, you can often participate in some preferential points activities offered by banks.

Tenth, it doesn’t matter what bank you like, you can take part in some studies and adapt to your preferences.

Some friends may ask, how can I spend so much with only a small monthly salary? The above ten items are used as a reference. There are ways to maintain large amounts for large cards, and there are ways to maintain small amounts for small amounts. Next time, I will share with you in detail the specific methods of each major bank. Friends are also welcome to study and communicate together.