How to check credit card limit
Different banks have different inquiry methods. The general inquiry methods are official website inquiry, mobile banking APP inquiry, counter inquiry, SMS inquiry and telephone inquiry. For official website inquiries, you need to log in to the bank's official website. After logging in, click on the credit card and select the limit inquiry. Each bank's official website is different. The key is to find the credit card option. If the official website of the bank that handles the credit card does not have an inquiry option, you need to call the phone to inquire. The back of the bank card The customer service phone number of the bank will be marked. After dialing, you will be transferred to manual service. After confirming your identity, you can complete the inquiry.
If the bank to which the credit card belongs has a corresponding mobile APP, the query is even simpler. You only need to log in and click on your personal account to query. Bank of China's APPs for querying credit card limits are "Bank of China Colorful Life", Bank of Communications The APP for checking credit card limit is "Pay the Bill". There are also SMS inquiries, taking the five major banks (Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank) as an example.
The Bank of China SMS query method is: use the mobile phone number reserved when applying for a card, edit the SMS "XYKKYED#last four digits of credit card#CNY" (CNY is the code for Chinese RMB, and the U.S. dollar code is USD) and send it to "95566".
The Bank of Communications SMS query method is: use the mobile phone number reserved when applying for the card, edit the SMS "CC limit #last four digits of the credit card" and send it to "95559".
The SMS query method of ICBC is: Use the mobile phone number reserved when applying for a card, edit the SMS "CXED#credit" and send it to "95588";
The SMS query method of China Construction Bank is: use When applying for a card, reserve your mobile phone number, edit the text message "CCED# the last four digits of the credit card" and send it to "95533".
The Agricultural Bank of China has not yet launched SMS inquiry, but you can inquire through mobile banking or directly call the phone. After receiving the credit card, the registered letter will indicate the credit card limit, and confirm that there are no problems with the credit card-related information. If there are any problems, contact the bank promptly and request a new credit card to prevent unnecessary infringements in future use. trouble.
How to check the available limit of a credit card
If you have not yet applied for a credit card from our bank, please refer to the following when applying for a credit card issuance limit for the first time:
General card: up to 10,000 yuan
Gold card: up to 50,000 yuan
Platinum and diamond cards: a fixed limit of 50,000 yuan and a temporary limit that is actively adjusted for you every month
Unlimited credit card: The review result shall prevail
Warm reminder: The approved quota is mainly evaluated based on factors such as job stability, income, and financial proof provided by the application, and the final review result shall prevail.
If you need to check the credit card limit in the card creation:
After the credit card is approved, a text message notification will be sent. It will take 1-2 weeks to send. You can call the credit card customer service hotline to select 3#-1-3 Enter the manual query of the issued credit card limit.
If you need to check the credit card limit currently in use:
1. Reply "#ED" to the credit card interactive text message to check the available limit, and send it to 106-579-5555 (mobile) or 9-5555 (China Unicom, China Telecom).
Warm reminder: ① Letters are not case-sensitive; ② The communication provider charges 0.1 yuan per text message, and China Merchants Bank does not charge any fee.
2. After logging into mobile banking, select "My → All → Credit Card (Section) → My Account → Account Inquiry" to enter the page. You can see information such as the credit limit, available limit, payment due date, bill amount for the current period, remaining repayment amount for the current period, minimum remaining repayment amount for the current period, etc.;
3. Log in to online banking ( (Public Edition or Professional Edition), click "Account Management→Account Inquiry" to see the credit limit, available limit, repayment due date, bill amount of the current period, remaining repayment amount of the current period, and minimum remaining repayment of the current period. Amount and other information;
4. After logging in to Mobile Life, select "My → Credit Line" to query credit card fixed limit, available limit and other information.