Credit card issuing strategy of China Merchants Bank;
First, move bricks and increase the amount.
Moving bricks to raise the amount is the most effective way to save money and raise the AUM value, because the system will refresh the data every month, and whether the amount can be raised depends on this, and then submit information, real estate, automobile output, income certificate, financial management certificate and so on. The withdrawal range is between 40% and 60% (refer to the temporary limit), and the APP will display the reference limit.
Average daily AUM index = average daily deposit balance+average daily investment.
Second, brush the star to raise the amount.
Cash withdrawal by swiping stars is not only effective for ICBC credit cards, but also very effective for China Merchants Bank credit cards. Open the mobile banking app of China Merchants Bank, click the+sign on the home page directly, and draw to the left to see my star rating of China Merchants Bank. The perfect score given by China Merchants Bank is 7 stars, and the star rating adopts the daily evaluation method. According to the star point value you have accumulated in the last six months, you can upgrade when you arrive.
1. Handle deposit, loan, investment and wealth management, credit card consumption, remittance and other businesses in the bank;
2, the purchase of more than 50 thousand yuan of gold products or more than 30 thousand yuan of insurance products, can be upgraded to one star;
As long as you become a quality user, it is easy to raise the amount.
Knowing the probability of deposit, the deposit will be stable. For example, you can get a professional credit card evaluation report on the official account of WeChat "Card Quick Check", which will analyze your consumption index, consumption records and transaction profile. At the same time, a credit card risk score and withdrawal probability will be given. If the test results show that the withdrawal rate is high, then it is very confident to apply for withdrawal.
Third, the curve is raised.
China merchants bank curve hot card Bat card, the minimum payment is 20 thousand, and the card type is platinum. If you get this card, it means that the available credit line of China Merchants Bank has reached 2w+. If your credit card limit in this bank is 2W+, you can also apply for the Platinum version of Bat card.
If you don't have a CMB credit card and want to apply, when filling in the information, select the option of agreeing to downgrade to a gold card. The initial amount of the gold card is also 1W+.
China Merchants Bank's suggestion on increasing the quota;
1. Card swiping times: at least 10-20 transactions are maintained every month, mainly small transactions, supplemented by large transactions.
2. Credit card merchants: Invite catering, tourism, supermarkets and other businesses to diversify consumption patterns, which is conducive to increasing the quota.
3, pay attention to staging: occasionally staging. The multi-billing cycle of China Merchants Bank's credit card installment will be controlled by the wind, and the installment function and temporary quota will be closed, which is very unfavorable for increasing the credit card quota.