立刷4G电签版个人POS机,养卡提额必备神器。 信用卡分期对提额有帮助吗?金投信用卡小编介绍,非常多卡友表示,自己使用信用卡时间超过一年,经常刷卡而且按时还款,但是额度仍然还在原地踏步,碰到这种情况,建议大家适当去办理分期,zui好是办理大额分期,这样对于提额是许有帮助的,下面和小编一起来了解下。
为啥信用卡分期有助于提额呢?
信用卡分期会涉及到一个手续费用,这也是银行利润的一个来源,毕竟银行也是需要盈利的。而经常办理分期的卡友,不但可以通过这种方法来缓解自己的还款压力,还能给银行一点甜头尝尝。
所以,对于要提额的用户,银行明显更偏爱那些经常办理分期的卡友,如果你有提额需求的话,不妨试试这种方法。
不过,要提醒大家的是,一定要根据自己的实际情况办理分期,在各种分期期数中选择手续费率较低的期数。
除此之外,这下方法也有助于提额
1、持续性用卡
指的是经常用卡,zui好每个月都有消费记录,只有不断消费,才能成为银行的优质客户,这样想要提额也比较容易。
2、提升刷卡次数
信用卡刷卡次数越多,而且按时还款,可以让银行感觉到你对信用卡确实有需求,当你的信用卡额度消费到50%左右时,银行会根据你的用卡情况来调整你的额度。
3、补交申请资料
如果你经济状况有所改善,比如说用卡一段时间后,买了车买了房,那吗可以向银行提交房产证复印件、汽车行驶证复印件等等,这样也是可提额的噢。
总结:虽说信用卡分期确实有助于提额,但是大家不能为了提额而盲目办理分期,毕竟分期金额越大,时间越长,所涉及的分期手续费也就越高,建议大家量力而行。声明:如文中内容侵犯您的权益,请与本平台联系删除处理。
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