If you already use a credit card for six months (for some Bank) or 1 year. With the current credit status (Status credits can be viewed on your bill). So, you are already eligible to apply for a credit card limit increase.
Usually some banks will raise customers’ credit card limit automatically, but not all customers are lucky. Now, rather than waiting for an automatic increase in the know when will be provided by the bank. Instead, consider filing directly.
Prior to submission of credit card limit increase. I will attempt to explain the types of credit growth and the time limit according to its usefulness.
Permanent limit increase
For the submission of a permanent limit increase, usually you will be advised to send the document. Anything? The next will be discussed.
Temporary limit increase
(Usually 3-6 months depending on your bank program) Some banks require clients to submit documents. However, there are several other banks were not asked for his documents, enough to make a report by calling the call center.
The rise of instant credit limit.
For an instant increase in credit limit, you will not be required to send the document. However, to apply this limit, you must have a clear reason. Even some of the new bank will approve the transaction limit increase if you have already failed once. For state-owned banks will usually approve your limit increase if the transaction has failed in the hospital.
Well, the above is a brief elaboration on what types of limit increase. Now let’s discuss the process for filing a permanent limit increase. Where, you must send the document.
A written statement signed without the stamp. In addition to information on the name and number cc, make sure you also let me know why you limit increase request.
You can mention to add transactions, for working capital, for the cost of education. Anyway, the reason must be reasonable.
photocopy of ID card
copy of CC
Recently Salary Slip (when paychecks you still have the same par as the beginning, not have to worry in general all banks can provide credit card limit to 3 x nominal your salary)
After you prepare the document, please contact your bank’s call center, to process the report in advance.
All you have to ask is:
Ask expense limit increase.
Ask the possibility of up grade logo credit card and charge new credit card dues.
Ask a long process
Ask your email address or fax.
Call back your call center 1 x 24 hours to make sure the documents you send. As a precaution just in case something is missing. And by contacting the call center back, also can make your limit increase request process faster.
Caution is always with those who offer credit limit increase with a charge. remember if you raised an automatic limit increase that is usually free, but if you are applying the new pay limit increase costs and that too instantly collectible ditagihan your credit card, only if the request is approved the increase.