1. Credit limit Credit limit refers to the maximum overdraft limit that a credit card can use. The credit limit you get when you apply for a credit card for the first time is mainly based on the comprehensive score of the information you filled in when you applied for the credit card and the relevant supporting documents you provided. The main card and supplementary card enjoy the same limit. China Merchants Bank Credit Card has "one card, two currencies", and the credit limit is equal to RMB and US dollars. When you use the card overseas, your credit limit is equivalent to the US dollar that can be converted according to the current exchange rate. For example: your credit limit is 30,000 RMB, and when the exchange rate between US dollars and RMB is 1:7, then your credit limit when using the card overseas is approximately equivalent to US$4,300.

2. Cash withdrawal limit

★Cash withdrawal limit is also called cash advance limit. It is set according to your card usage and is included in the credit limit of your credit card. It is generally your credit limit. 50%;

★When you withdraw cash within the country, according to the relevant regulations of the People's Bank of China, the cumulative daily cash advance amount per card shall not exceed RMB 2,000.

★When you withdraw cash overseas, according to the regulations of the State Administration of Foreign Exchange, the cumulative daily cash advance amount per household shall not exceed US$1,000, and the cumulative monthly cash advance amount shall not exceed US$5,000.

3. Available limit The available limit refers to the credit limit that can currently be used by your credit card. The calculation method is as follows:

Credit limit

(minus) Amount spent on the credit card

(Add) Amount deposited into the credit card

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(Equal to) Available Amount

For example: your credit limit is 20,000 yuan, the unpaid amount has been paid out is 10,000 yuan, and the used but unrecorded amount is 4,000 yuan, then your available limit at this time is 6,000 yuan Yuan.

Note: The available limit will decrease with each consumption and will be restored with each repayment.

4. Temporary credit limit: When you need to use a higher credit limit within a certain period of time due to overseas travel, decoration of a new home, marriage, children studying abroad, etc., the credit card center can provide you with the service of increasing the temporary credit limit. , allowing you to fully enjoy the convenience of flexible quota.

When you need to increase the temporary credit limit, please call the 24-hour customer service hotline of the Credit Card Center.

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The increased temporary credit limit is generally valid within 30 days. After expiration, your credit limit will be automatically restored to the original credit limit.

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The credit limit of supplementary cardholders is set by the primary card, and supplementary cardholders cannot apply for limit adjustment. If the primary cardholder has limited the credit limit of the supplementary card, increasing the temporary credit limit will not change the limited credit limit of the supplementary card. If the principal cardholder has not set any separate limit on the credit limit of the supplementary card, when the temporary credit limit is increased, the credit limit of the supplementary card will also be increased.

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After the temporary credit limit is increased, the excess amount actually used over the original credit limit will be added to the minimum repayment amount in the next statement. No fees will be charged for the excess usage, but you cannot enjoy the facility of revolving credit. Please pay it off in one go on the due date.

5. Installment quota The installment quota refers to the specific quota you enjoy when using installment payment. When you need to pay for goods in installments, you can call the Credit Card Center's 24-hour customer service hotline in advance for consultation.