Enjoy Increased Limits： Boost Your Credit Line to $94,400 with Four Instant Approval Techniques!

　　Credit card limit increases have always been the holy grail for many cardholders, and it’s a problem that’s puzzled quite a few of them. Recently, Industrial Bank started a widespread limit increase again, with some card friends seeing their limit jump from 78,700 to 94,400:

　　And some from 54,600 to 65,500:

　　The increases might not be massive, all around 20%, but the good thing is that they happen quickly, there are multiple routes, and it’s relatively easy, happening a few times a year. Today, let’s dive into some tips for increasing the limit on Industrial Bank credit cards and some issues related to applying for cards. Keep reading!

Breaking the First Increase Barrier

　　The first increase with Industrial Bank is crucial! It usually happens after 6 months, with an increase of around 30%. After that, it’s every 3 months. This is based on a cycle of spending at quality merchants.

　　Some channels that help with limit increases: overseas spending, occasional small installments, spending at partner merchants, and shopping on the bank’s app. Aim for at least one transaction above a certain amount each month to boost activity and contribution, which helps raise the overall score, making future increases easier.

Methods to Increase Limits

1. 　　WeChat Increase: Industrial Bank’s self-service increase via WeChat is convenient.

   　　Follow "Industrial Bank Credit Card" on WeChat, reply with "Limit," check the current limit, and then apply for an increase.

   　　Most people can get through this, unless your limit is capped (apparently Industrial Bank has a cap on total credit) or there are issues with your credit report.

   　　Note: If you break the first increase barrier 180 days after getting the card, participating in the monthly 6-point activity and card usage activities, you can expect a stable increase every 3 months. Every three months, you can check the WeChat limit increase option.

   　　Temporary limits can be used and don’t affect the fixed limit, but they also don’t help much with increasing the fixed limit.

2. 　　Applying for a New Card to Increase Limit: Industrial Bank treats each card’s credit limit independently, so the second card can have a higher, lower, or equal limit to the first.

   　　If the first card’s limit isn’t high, you can try applying at a branch with documents (car ownership, property, provident fund, social security, salary slip, deposit, etc.) for a higher-tier card. You can also apply online for a "water card" as the second card.

3. 　　Email Increase: Emailing for an increase has a high success rate and doesn’t require a fixed format.

   　　Simply write about your situation, the reason for the increase, and attach some documents as proof.

   　　Send it to:

   　　If it doesn’t work the first time, tweak the email and send it again a few days later.

   　　Documents like car and property ownership, salary slips, deposit and investment screenshots, and other banks’ high limit screenshots can all be attached.

   　　A few things to note when emailing for an increase:

   • Make sure the copies and screenshots are clear.
   • For documents like bank statements or provident fund, use recent ones, ideally within the last half-year.
   • Don’t ask for too high a limit; aiming for a moderate one increases the chances of success.

4. 　　Temporary to Fixed: If after 6 months you don’t get a second increase but are given a temporary limit, try applying for a second card to curve the limit.

   　　Choose a card type: for low limits, go for a gold card; under 50,000, choose a no-annual-fee white card; for high limits, go for a white card.

Other Increase Methods

　　Industrial Bank also has a "two consecutive increases" method. Apply for a fixed limit increase at midnight, and if the first attempt is successful, try again 15 hours later using the app or WeChat.

Tips for Applying for Cards and Increasing Limits

1. 　　Supplementing Information: If you didn’t provide financial proof when applying for a card, you can send the documents to Industrial Bank via email.

2. 　　Pledge Method: Industrial Bank supports pledge card applications. If you have a deposit of over a year, you can apply for a card at a branch. The approval rate is high, and the limit is about 90% of the deposit amount, but the limit will decrease after the deposit is withdrawn.

3. 　　Multiple Spending: Industrial Bank pays attention to the first three transactions, so spending at A-class merchants or partner merchants after getting the card can help increase the limit. A-class merchants include dining, accommodation, and entertainment.

4. 　　Low Debt: Industrial Bank looks at the debt ratio, so keeping it low is crucial for increasing the limit. Minimum payments can lead to high debt, which isn’t good for limit increases.

5. 　　Occasional Installments: Accepting installment offers over the phone can lead to limit increases, but don’t apply for too many installments.

Recommended Cards

1. 　　Taobao Joint Card: Enjoy cashback on online shopping, with 5x points on cash installments. Redemption rate: 500 credit card points = 100 Alipay points; 100 Alipay points = 1 RMB.

2. 　　Standard Card, Constellation Card: 5x points on cash installments, 2 million in air accident insurance, and special offers from.

3. 　　PASS IC Chip Card: Points on every online purchase, bonus points for reaching spending limits, and discounts on.

4. 　　Xingdongli: New users get a free bracelet, calorie exchange for points, and VIP services at domestic airports. Perfect for trendy.

　　Of course, apart from these almost instant-approval cards, there are also popular cards like the Xingyou Bai and Renbao Jingying, which are great for those with good qualifications.

　　If you want to become a credit card master, give this a thumbs-up!