Card raising methods and matters needing attention

Skilled

1, the card is in good condition, so it is very simple to withdraw the line. Normal card processing can definitely increase the quota within 3 months. Some banks, such as China Merchants Bank, can increase the credit line in the second week if the credit card is continuously 1 weekly consumption 1.25.

2. The quickest way to withdraw the wire is to leave the wire blank, that is, at 1.25.

The amount of credit card swiped on the debit machine is greater than the credit limit or available limit, and then the cash is withdrawn by phone, or waiting for the news from the bank.

3. Compulsory line withdrawal: use the hospital machine to empty the brush, and then the telephone banking friend is hospitalized.

Some skills to increase the amount:

Winning withdrawal

Frequent use

No matter how much the credit card is, you can definitely swipe it where you can. .

Winning withdrawal

It is best to spend at least 30% of the total monthly bill.

Temporary withdrawal formula

Due to short-term needs such as festivals, travel and business trips. ,

You can apply for a temporary limit, which will be easier to approve.

Seize the opportunity to increase the amount

The time to raise the amount is also important. It is most effective to apply on the accounting day or when the card has just been maxed out.

Continuous consumption withdrawal

The bill for credit card consumption needs to last for 3 months without interruption, that is to say,

There must be consumption every month.

(B) to simulate the consumption of high-end successful people

First of all, think of your card as a senior and successful person. How should a normal successful person spend it? First of all, he often buys things in high-end shopping malls and gold and silver shops, and at noon in high-end restaurants.

Eat, occasionally watch a movie, take a photo, do some shopping on Taobao, someone at home goes to a private hospital to see a doctor, and usually repair the car (successful people must have a car). Kaka's actual combat team will divide the oil and make a SPA. Go to bars, KTV, bath centers for consumption in the evening, and then

Rest at the hotel. This is the normal trajectory of a successful person. As long as the consumption completely conforms to the behavior habits of normal successful people, the bank will not monitor that you are raising a card! The success rate of this increase is extremely high. Generally, the high quota can be temporarily increased after one month! !

(3) regular, temporary and cash investment by stages.

When merchants raise cards, there may be temporary, fixed and cash differences in credit cards. How to operate in this case, everyone should encounter it.

The right way,

1. Withdraw the temporary line,

Then use the machine of 1.25 to brush it out and divide it into two strokes.

2. Cancel the temporary quota, and the available quota will be displayed as negative.

3. Cash installment, 2000 yuan,

4. Adjust the fixed quota, generally temporary quota+cash installment quota.

5. Continue to apply for temporary quotas.

6. The maximum value is 65,000

Of which 60,000 is fixed and 5,000 is temporary.

7. It is recommended not to fix it at 60,000, but at around 45,000, so that your temporary application can be very high next time.

(4) How to raise a card without using its own funds.

1. According to the card raising strategy, the balance in the card should be at least

Keep 5% of the available quota, of course, the more the better. Try to save this money for customers so as not to occupy their own funds.

2. Some banks have over-limit quotas, and the allocation of this over-limit quota is normally fixed at 10%. Shanghai Pudong Development Bank

It needs to be opened in online banking. Ping An Bank can exceed the limit of 100% at most, while Guangfa, CITIC and Xingye are all 10% normally.

3. The customer gives you a credit card with a fixed amount of 65,438+0,000 and an available amount of 500. At this time, you can swipe your card in 1500 yuan.

This adds 1.500 yuan card.