What is the general credit card limit

The credit card limit is determined by the bank according to the applicant's credit conditions and the card grade applied for, and generally follows the standards:

1. The general credit card limit is between RMB and RMB 1,;

2. Credit card gold card amount: 1,-5, yuan;

3. Platinum card and above: 5, or above.

credit card limit, also known as credit card available limit, refers to the maximum amount that you can use with your credit card, which includes the credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.

the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, 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.

Full repayment avoids cyclic interest

Although banks emphasize the interest-free period when popularizing credit cards, most people don't know the rules of interest-free period very clearly, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and used a credit card to swipe 4, yuan. At the time of repayment, there was only 3,999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank .3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they don't repay in full, and they don't enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is suggested that you must repay in full when you repay, so as to avoid greater losses.

temporarily increase the credit limit to avoid maxing out credit cards

In fact, every credit card has a hidden overrun limit. When you maxed out a credit card, it is easy to use the overrun limit, and once you use the overrun limit, it means paying a high overrun fee. Many consumers can't grasp it well in the process of shopping, and credit cards are often maxed out. I suggest that you apply to the bank in advance to increase the temporary limit, which will not only avoid the credit card explosion, but also increase the credit limit.

What is the credit card limit

The credit card limit is determined by the bank according to the applicant's credit conditions and the card grade applied for, generally following the standard credit card limit: -1, yuan; Credit card gold card amount: 1,-5, yuan; Platinum card and above: 5, or above.

1. according to the general credit card classification of banks, credit cards can be divided into four types: general card, gold card, platinum card and unlimited card, and the corresponding credit card limits are also different. Under normal circumstances, the amount of Puka is between 1, and 1,, which is suitable for ordinary wage earners; The amount of gold card is between 1, and 5,, which requires the applicant to have certain economic strength; Platinum card and unlimited card are symbols of distinguished status. Generally, the limit is more than 5,, and there is no upper limit. The specific credit card limit needs to be evaluated and determined by the bank according to your comprehensive qualifications.

2. With the appearance of credit cards, we have more, so credit cards are very popular in the market. But for us ordinary people, if we want to apply for a credit card, how much will it be? In order to let users know this problem clearly, let Xiaobian introduce it to you.

3. It is understood that the most important condition for applying for a credit card now is that you are 18-6 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certificate. However, for ordinary people to apply for credit card quota, in fact, the credit card quota is uncertain, mainly based on the materials provided by your application for review. If the income source is relatively stable, the credit card quota is relatively high.

4. Credit cards are issued by banks, which have been recognized for their authority and safety. Although the concept of exceeding consumption may run counter to that of some people, it must be said that the increase of credit card share has also brought convenience to residents' lives and increased the performance of banks.

How much credit card is applied for

The credit card amount is determined by banks according to the applicant's credit conditions and the card grade applied for, and generally follows the following standards: <

2. Credit card gold card amount: 1,-5, yuan;

3. Platinum card and above: 5, or above.

the specific limit is subject to the final approval of the bank. if you want to obtain a high limit, you should provide as many financial proofs as possible to ensure good credit information, and handle the card at the door of the salesman or at the counter of the bank outlet.

Problems needing attention when canceling a credit card:

1. First, pay off the card account

Before canceling the card, the first thing we have to do is to pay off all the card accounts of the credit card, including the annual fee, because if the annual fee is not paid, it will also be considered overdue by the cardholder and will also affect the credit investigation.

2. It is not recommended to cancel the overdue credit card immediately

When canceling the card, it is not recommended that you cancel the overdue credit card, because even if you cancel the card, the overdue card will still be displayed on our credit report, so it is recommended that you continue to use this kind of card as much as possible until the normal record covers the negative record, and then choose to cancel the card.

it's embarrassing for cardholders who have negative records now, because the upcoming new credit regulations stipulate that negative records will follow you for five years.

3. How to cancel the card

When canceling the card, we can choose to call the customer service phone of the bank or go to the bank directly, but in either case, the bank will cancel the card within 45 days after accepting the application for card cancellation, so we only need to make sure that the cancelled credit card will be destroyed, that is, cut the card, so as to prevent people with ulterior motives from getting your card during the card cancellation period, thus committing some illegal crimes.

once you enter the card cancellation period, in order to avoid the card account later, don't continue to use this card.

4. Card cancellation and account cancellation

After the credit card is cancelled, the bank will still save all your application information for future application or other business. If you are not going to have anything to do with this bank, you can also apply for account cancellation. Account cancellation will not have any impact on credit information, only the words of account cancellation or card cancellation will be displayed. Once the account is cancelled, you will have to re-submit the information when you go to this bank for business in the future. Although account cancellation will not affect credit information, repeated account cancellation will bring a lot of inconvenience to the handling of banking business.

We suggest that you use credit cards reasonably. If you are not sure about the credit card status, you can get a credit card evaluation report from the card evaluation. Through this public platform, you can see if there is anything unusual in your credit card use and what aspects you need to pay attention to to to avoid excessive consumption. Moreover, in daily life, two or three credit cards are usually enough for us to use normally, so it is not recommended that you apply for a large number of credit cards, because each application will leave a record on the credit information, and repeated applications will make banks feel that we are very.

what is the credit card limit?

1. What is the credit card limit?

1. Puka: 1,-1, yuan, and 5, yuan if there is no gold card.

2. Gold card: 1,-5, yuan. Because the city card only has a gold card, the amount is between 5 and 5 yuan.

3. Platinum card: generally, it is more than 5, yuan, and the highest can be more than 2, yuan.

4. Unlimited card: Only platinum credit card users are invited to issue cards, and the amount is the same as that of platinum card, which is more than 5, yuan.

5. black card: the amount is about 2-1 million.

second, what is the credit card limit?

1. A bank can apply for multiple credit cards

A bank can apply for multiple credit cards, not just one. Take China Merchants Bank as an example. There are many kinds of cards, such as online games, cartoon fans, business trips, etc. Cardholders can choose multiple cards that suit them according to their life and consumption habits.

2. The credit card limit of the same bank * * * enjoys

The credit card limit of the same bank is enjoyed by * * *, and the card with the highest limit shall prevail. In the case of Xiao Chen mentioned above, one credit card has a quota of 2, yuan and the other is 5, yuan, so the fixed quota that Xiao Chen can use is only 5, yuan. If Xiao Chen spends 1, yuan on the YOUNG card during the Spring Festival, the remaining amount of YOUNG card can be 1, yuan, and the amount of CarCard car card will automatically become 4, yuan.

3. Repayment of multiple credit cards should be separated

Although the credit lines of multiple credit cards in the same bank are shared, the repayment should be "different from card to card", and different cards should be paid off separately according to their own consumption amount. However, due to the different regulations of various banks, for example, China Merchants Bank can return the total consumption of several credit cards to one card. I suggest that you should consult the bank before applying for a credit card to avoid overdue.

3. Ways to improve the credit card limit

1. Spend as much as possible, and the total amount spent in half a year should be at least 3% of the limit;

2. Spend as many times as possible, with an average of more than 1 transactions per month. It is easier to withdraw money if it exceeds 2 transactions;

3. Try to diversify the merchants who choose to spend, such as shopping malls, supermarkets, gas stations, casinos, etc.

4. The less bulk consumption such as wholesale and house purchase and car purchase, the easier it is to raise the amount;

5. The less the online shopping, Alipay transaction and cash withdrawal, the easier it is to approve;

6. The type of merchants who swipe their cards cannot always be similar to the business scope of their company.

what is the credit card limit?

under normal circumstances, the amount of ordinary bank credit cards is less than 5, yuan, and the amount of credit cards above the platinum card level can reach more than 5, yuan.

if your credit card limit is insufficient, you can consider using big brand credit products such as AliPay Loan, Tencent Micro-loan, and Xiaoman Finance Money Flower. Money Flower, formerly known as "Baidu Money Flower", is a credit brand of Xiaoman Finance (formerly Baidu Finance). It provides users with safe, convenient, unsecured and unsecured credit services, and borrows money to go to Xiaoman Financial APP.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Du Xiaoman Finance is the first choice for most small and micro owners. It is reported that 7% of the credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.

This answer is provided by Kangbo Finance, which focuses on the interpretation of hot financial events and the popularization of financial knowledge. It is professional and interesting, making financial content that people can understand, and conveying financial value in vivid and diverse ways. I hope this answer is helpful to you.

This concludes the introduction of how to inquire about credit card ed and credit card limit. Did you find the information you need?