Credit card use karte waqt agar aapki credit limit kam hai, toh bada kharch karne me pareshani hoti hai sath hi Credit Utilization Ratio (CUR) high rehne ki wajah se CIBIL score par bura asar padta hai. High credit limit na sirf aapatkalin (emergency) sthiti me kaam aati hai, balki aapke credit score ko majboot banane me bhi madad karti hai.
Agar aapki limit lambe samay se nahi badhi hai, toh is guide me hum 5 aise asardar tarike janenge jinse aap bina kisi salary increment ke bhi apni card limit badhwa sakte hain.
Credit Limit Badhana Kyun Zaroori Hai?
- CIBIL Score Me Sudhar: Agar aapki limit ₹30,000 hai aur aap ₹15,000 kharch karte hain, toh CUR 50% ho jata hai jo score girata hai. Agar yahi limit ₹1,00,000 ho jaye, toh wahi kharch sirf 15% mana jayega, jisse score tezi se badhega.
- Bade Kharch Aur EMI Ki Suvidha: Electronics, travel ya emergency medical bills ko aasaani se manage kiya ja sakta hai.
Credit Card Limit Badhane Ke 5 Asardar Tarike
1. Credit Utilization Ratio (CUR) 30% Ke Niche Rakhein
Bank unhi customers ko limit increase offer dete hain jo limit ke liye desperate nahi dikhte. Har mahine apni total credit limit ka sirf 20% se 30% hi use karein. Bank algorithm yeh dekhta hai ki aap credit par depend nahi hain, jisse aapka trust score badhta hai.
2. Bill Ka Full Payment Time Par Karein
Kabhi bhi sirf "Minimum Amount Due" pay na karein. Hamesha due date se 2-3 din pehle Total Outstanding Balance clear karein. Lagatar 6 mahine bina kisi late payment ke bill bharna bank ko signal deta hai ki aapki repayment capacity mazboot hai.
3. Net Banking Me "Pre-Approved Limit Increase" Check Karein
Banks har 6 mahine me ache customers ke liye automatically limit enhancement offer nikalte hain:
- Apne Bank ki Mobile App ya Net Banking login karein.
- Cards > Service Requests > Limit Enhancement section me jayein.
- Agar offer available hai, toh bina kisi document ke 1 click me limit turant increase ho jati hai.
4. Nayi Income Proof (Salary / ITR) Submit Karein
Agar aapki salary badh gayi hai ya aapne pichle saal se zyada amount ka ITR bhara hai, toh bank me customer support ko email karein ya branch me latest 3 month ki salary slip / updated ITR submit karke limit upgrade request daalein.
5. Customer Care Ya Branch Me Direct Request Karein
Agar aap pichle 1 saal se card bina default ke use kar rahe hain, toh card ke peeche diye toll-free number par call karein. Unhe batayein ki aap regular shopping ke liye card use karte hain par low limit ki wajah se use nahi kar pa rahe. Kai baar customer care internal review karke limit raise kar deta hai.
Limit Badhate Waqt Ye Galtiyaan Na Karein
- Ek Sath Multiple Cards Apply Na Karein: Naye cards ke baar-baar application se hard inquiry generate hoti hai, jisse existing bank limit badhane se mana kar sakta hai.
- Limit Badhne Par Kharch Bebak Na Karein: Limit badhne ka matlab yeh nahi ki faltu kharch kiya jaye; discipline banaye rakhna sabse ahem hai.
Comments
Post a Comment