Generally speaking, when you apply for a credit card for the first time, many people suggest that you apply for an ordinary credit card, which makes it easier to apply for a card, especially for white households, and it is not easy to be rejected. However, the amount of ordinary credit cards is usually not very high, so everyone should be mentally prepared. Let's introduce it below. What is the maximum amount of an ordinary credit card?
As we all know, ordinary credit cards refer to credit cards with ordinary rights and interests. From the credit card level, such credit cards include ordinary cards and gold cards. The credit card limit of different levels is the same. However, most banks have a credit card with a maximum of 10000 yuan and a gold card with a maximum of 50,000 yuan, which means a credit card with a maximum of 50,000 yuan.
How much depends on personal qualifications. Under normal circumstances, the bank will comprehensively evaluate the applicant from many aspects according to the application materials provided by the applicant, and then grant the corresponding amount according to the comprehensive score. In short, the better the qualifications of the applicant, the higher the comprehensive score, and the greater the chance of obtaining the highest quota.
There are several factors that affect the comprehensive score:
1, your work situation, civil servants are the best, followed by employees of institutions, large enterprises and foreign-funded companies;
2, credit history, it is best not to have overdue records on credit information, otherwise it will reduce your quota;
3. Assets in your name, such as real estate, vehicles, deposits, etc. The more assets, the greater the amount.
In short, the maximum amount of an ordinary credit card is 50,000 yuan, but not everyone can get such a high amount. In addition to the above factors, the channel of card handling also affects the amount. If you want to get the maximum amount, it is recommended to apply for the card directly at the counter, and attach enough financial proof materials to prove your repayment ability.
What is the maximum credit card limit?
At present, there is no definite value for the maximum amount of credit card. According to different banks and different types of credit cards, the limit will be different. Generally speaking, the upper limit of credit card is 6.5438+0 million yuan, the upper limit of credit card gold card is 50 thousand yuan, and the credit card with platinum card level is more than 50 thousand yuan. Different banks have different regulations on the upper limit of credit cards, some banks have 200 thousand, and some banks have a maximum of 500 thousand.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
According to the different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card.
This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card.
Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
What is the maximum credit card limit?
First, the credit card limit is determined according to the level of the card. Generally speaking, the maximum amount of credit cards in most banks is around 1 10,000 yuan, the maximum amount of gold cards is 50,000 yuan, and the maximum amount of platinum credit cards is several hundred thousand, even if it is not capped.
Two, in general, credit cards are divided into ordinary cards, gold cards, platinum cards, diamond cards, unlimited cards and so on. And the credit card limit is also increasing in this order. According to the information and credit status provided by the cardholder when applying, the bank verifies the credit limit, that is, the maximum limit of overdraft consumption and cash withdrawal by the cardholder. Please refer to the audit results for the specific credit card limit.
1, Puka, Gold Card, Platinum Card
In general, the fixed amount of Puka varies from 1000 yuan to 10000 yuan; The fixed amount of the gold card ranges from 10000 yuan to 50000 yuan; The amount of a platinum card is generally a fixed amount of 50 thousand yuan plus a temporary amount that is actively adjusted for you every month.
2. Diamond cards
Minsheng and BOC Diamond Credit Card have the highest credit lines, with CCB Diamond Credit Card having an initial credit line of 500,000 yuan and a maximum credit line of 5 million yuan. Minsheng Bank's diamond credit card has a maximum limit of 5 million, and only senior people of Fortune 500 companies can get this card.
3. Black card
Black card is American Express centurion, also known as unlimited card. No limit, no application, only bank invitation. However, because the Centurion Black Gold Card issued in China is also a credit card, it has a fixed amount. The amount of black gold cards issued by ICBC and China Merchants Bank is about 2 million to 6.5438+million RMB. American Express only authorizes ICBC, China Merchants Bank and Minsheng Bank to issue the American Express Centurion Black Gold Card, which is still issued by invitation.
If you want to apply for a credit card, and it is the first time to apply for a card, I suggest you start with some general credit card products of commercial banks. Because you have no credit record before, the bank can't confirm whether you have good personal credit, so it's best to set up a credit card in a relatively easy commercial bank and keep a good repayment record to prove your credit.
What is the maximum credit card limit?
The maximum limit of a credit card is unlimited.
Banks have different regulations on the maximum amount of credit cards. The better your qualifications, the higher the amount.
The maximum amount of platinum credit card can be as high as 200 to 1 10,000. Moreover, the annual fee for platinum credit cards is generally high.
For example, ICBC's platinum credit card has a quota of 200,000 yuan and an annual fee of 2,000 yuan, and it must be swiped 200,000 yuan every year to reduce or exempt it.
The maximum credit card limit is scored according to your situation. The most important thing is work, which shows your cash inflow ability and stability. The best are civil servants, followed by institutions, followed by large enterprises, foreign-funded companies and so on.
Next is the location. The higher the position, the higher the income, the stronger the solvency and the higher the quality. Credit history, your previous credit card repayment and loan repayment; Education level; Asset status, real estate, vehicles, deposits, etc.
Credit card limit, also known as credit card available limit, refers to the maximum amount you can use with a credit card, including credit limit 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. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Improve quota skills
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think it is suspicious and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
So much for the introduction of the credit card ceiling.