There are high and low credit card quotas, and different credit card grades correspond to different quotas. For users who apply for a credit card for the first time, the amount is usually relatively small. What is the credit card limit?
The credit card limit is between 2000 yuan and 5000 yuan; The gold card amount is between 5,000 yuan and 20,000 yuan; The amount of platinum card is between 20,000 yuan and 50,000 yuan; The amount of diamond cards is more than 50,000 yuan, and some diamond cards even exceed 6,543,800 yuan.
1, Puka. Ordinary users apply for credit cards for the first time, usually ordinary credit cards. When applying for a credit card for the first time, try to choose a local commercial bank, because the probability of applying for a card is relatively high, and the review is looser than that of the four major state-owned banks. The credit card replenishment amount is usually low, generally only between 2000 yuan and 5000 yuan, and the specific credit card amount can only be determined after application.
2. Gold card. At that time, users with credit cards often used credit cards to spend and repay on time. Usually about three months, the bank will upgrade the ordinary credit card, that is, the Puka will be upgraded to a gold card. Generally, the amount of gold cards for credit cards is between 5,000 yuan and 20,000 yuan, and the regulations of each bank are different, but the difference is not very big.
3. Platinum card. Credit card platinum card is higher than gold card. Generally, the amount of a platinum credit card is between 20,000 yuan and 50,000 yuan. When the user holds a credit card and the gold card repays on time, and the consumption amount is high, the banking system will upgrade the credit card to a platinum card, giving the cardholder more access and consumption amount.
4. diamond card. General diamond card is the highest level of credit card. The credit limit of a diamond card is usually above 50,000 yuan. Some banks will set the credit limit of diamond cards at more than RMB 654.38+10,000, and upgrade them to diamond cards through platinum cards. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability, and you can take the initiative to contact the bank customer service to apply for upgrading.
What is the credit card limit?
1. Ordinary cards may get a quota of 1000 to 10000 yuan, gold cards may get a quota of 10000 to 50000 yuan, and platinum cards may get a quota of more than 50000 yuan. The quota is influenced by many factors, and the regulations of each bank are different. How much you get depends on your personal credit history, whether there are other bank credit cards, whether the credit card use record is good, the work certificate and financial certificate submitted when applying for a credit card, and your age and education.
2. Platinum card is free of annual fee!
3. The general credit card was successfully applied for the first time. The credit card limit is between 3,000 yuan and 1000 yuan, and the gold card limit is between 1000 yuan and 50,000 yuan (depending on different bank regulations). According to the application materials submitted by the customer, the initial credit card limit of the customer is comprehensively evaluated, and the final audit result shall prevail. How much you get depends on how you apply and the information you provide when you apply. For example, the amount of online application is different from that of online application. Whether ICBC has deposits, real estate and automobile social security, work unit, job position, age, marriage, etc. will all affect the card quota.
4. Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in the credit card. The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee.