Credit card limit increases can be divided into two types: active limit increases and automatic limit increases. In the former, the cardholder submits an application to the bank. Each bank has different channels for automatically raising the limit of credit cards. Some cardholders want to know which ones can support a phone call to raise the limit. Let’s take a look.

1. Which banks and credit cards can I raise my limit by phone? Most mainstream banks support telephone limit increases, such as China Merchants Bank, Industrial Bank, Ping An Bank, etc. Generally, you need to call the 24-hour service hotline on the back of the credit card to be transferred to a manual application. After the customer service accepts the application, the bank system will dynamically evaluate the maximum limit that the cardholder can adjust based on factors such as card holding time, consumption, and repayment records.

2. How long does it take for a bank credit card balance increase to take effect? There are two types of credit card limit increases: temporary limit increase and permanent limit increase. The limit increase time is different for different limits, and the processing time of each bank is also different. Take the China Merchants Bank credit card as an example. If it is a temporary limit, it will expire immediately after approval; if the fixed limit is approved, the new limit will take effect within 3 days; if you are prompted to transfer to the review department or apply for supplementary financial resources, it will generally be processed 7 working days after submission.

3. What should I do if my bank credit card balance increase fails? Don’t be discouraged if you fail to increase the credit limit. You can try this: 1) Swipe more cards: Increase the frequency of credit card use and make more purchases with your card so that the bank can understand the cardholder’s need for a high limit. 2) Diversified consumption: It is recommended to use multiple merchants and various types of consumption. Consumption through different channels at home and abroad, online or POS machines is beneficial to increasing the quota. 3) Repay on time: It is best to repay the loan on the repayment date, and no later than the grace period, provided that the bank can provide time difference tolerance services. 4) Use the card for a period of time: Maintaining good consumption and card usage habits will help you apply for a credit limit. It is recommended to use the card for 3 to 6 months before applying.