Let’s say you decided to get a credit card just in case. And they hoped that the limit on the card would be at least 50 thousand rubles, but received a credit card with a limit of 5 thousand rubles. Naturally, you get upset and even think not to start using a credit card. But, do not forget that when you receive a credit card for 5 thousand rubles, you can always increase the credit limit. The lender increases the credit limit every day for hundreds of clients. The main thing is to meet certain criteria.
If you want to get an increase in your credit limit, then follow the rules below:
1. You should always use a credit card. The bank should see that you are interested in card purchases. If the bank does not see that you need money, then it will not increase the credit limit accordingly. The more often and more you spend from the card, the more likely it is that your credit limit will be increased.
2. Avoid delays. The bank always looks at the date of making the last payments, if you have delays, then do not even expect to receive an increase in the credit limit.
3. Do not make payments on the loan on the last day. Try to make loan payments in advance. If you constantly make payments on the loan on the last day, then you run the risk of late payment sooner or later. And the bank does not like delinquencies.
4. Do not avoid communicating with the bank. Always notify the bank about the number change so that the bank can contact you in any situation.
5. Don’t hide your income from the bank. When changing jobs or getting a higher-paid position, notify the bank. Even if you are not working officially. The bank is not interested in whether you pay taxes or not, it is only interested in your solvency.
6. Buy expensive goods with a credit card. Banks track your spending on the card, and if you frequent cafes or dress in expensive stores, the bank will conclude that you are financially secure and will increase your credit limit.
7. Pay off all debts in other banks. The bank sees all your loans and how regularly you make payments on it. The longer you do not make your loan payments, the worse for you.
8. Do not take several loans at once. Do not take out many loans for large amounts, you run the risk of not paying off them and accumulating large debts. The bank is unlikely to raise the credit limit for those who have collected a lot of loans, whose amount is huge. The only bank is loyal to those who have a mortgage or car loan.
9. Use deposits and cards. The bank, before issuing a loan, checks your solvency and only after that makes its decision.
10. Give the bank an opportunity to earn money. The bank is unlikely to raise the credit limit to those who return money in an interest-free period. For a bank, a loan is a way of earning money, moreover, a risky one. And it makes sense for him to take risks if the client refuses paid services.
The decision is made by the robot
In all banks, the decision to increase the credit limit is dealt with by a robot. For example, at Tinkoff, such a program selects new customers every day to increase the limit. If the client fits the standard, then the program will increase his credit limit.
Bank employees do not have access to it. Therefore, it makes no sense to ask him to raise your credit limit, the only thing he can do is to promote you and then the robot will consider your application.
Findings:
-Pay loans on time and use your credit card.
— Do not make payments last, do it a couple of days in advance.
— Provide the bank with always up-to-date information about your place of work, phone number.
— Make large purchases by paying by card.
— Open a deposit.
