What is the maximum limit of a credit card that can reach more than 1 million?

What is the maximum limit of a credit card? It is reported that the maximum limit of a credit card can reach more than 1 million. The specific limit depends on personal qualifications. The higher the qualification, the larger the credit card limit.

Generally speaking, the credit limit when applying for a credit card for the first time is about 3,000 yuan to 10,000 yuan. Don’t be discouraged if your first-time credit limit is low. You can increase your credit limit by maintaining good card usage habits. If you have used the card for more than a year and have a good credit record, the bank will increase your credit record. This is related to the income and property certificates you provide when applying for the card. And you can also contact the bank's customer service phone number to temporarily increase your credit (overdraft) limit.

If it is a credit card in a broad sense, each bank and different types of credit cards have different credit limits. For example, Bank of China has a card with a maximum limit of 2 million, Guangfa has a card with a maximum limit of 1 million, and Minsheng has a maximum limit. 3 million cards, China Construction Bank has a card with a maximum limit of 5 million, and China Merchants Bank also has an unlimited card. Of course, this unlimited card does not allow you to spend money at will without any limit, but the limit is relatively high. And the limit can be intelligently adjusted based on card usage records.

What is the credit card limit of 1 million?

A credit card with a limit of 1 million is usually a private bank-level credit card. The application conditions require that you be a private bank contract customer or an invited private bank contract customer. .

There are relatively few types of credit cards, including Industrial and Commercial Bank of China’s Private Banking Black Gold Card, Agricultural Bank of China’s Private Banking Green Diamond Credit Card, Bank of China’s Great Wall American Express Private Banking Credit Card, and China Merchants Bank’s CMB American Express Card. The husband's black gold card and so on.

Extended information:

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay;

A quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards.

Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly.

Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status.

The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards

Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.

Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.

What is the limit of ICBC Platinum Credit Card?

1. What is the limit of ICBC Platinum Credit Card?

It is understood that the maximum limit of ICBC Platinum Credit Card can be as high as 200,000 to more than 1 million. And the annual fees for platinum credit cards are generally very high. For example: ICBC’s platinum credit card has a limit of 200,000 and an annual fee of 2,000. You must swipe the card every year for 200,000 to be exempted.

2. How is the maximum limit of ICBC Platinum Credit Card determined?

The maximum limit of the ICBC Platinum Credit Card is the comprehensive credit limit of the credit card. The maximum limit of the ICBC Platinum Credit Card is scored based on your various circumstances:

1. The most important thing is your job, which indicates your cash inflow ability and stability. The best one is a civil servant, followed by Public institutions, followed by large enterprises, foreign-funded companies, etc.

2. Next is the position. The higher the position, the higher the income, the stronger the solvency, and the higher the quality.

3. Credit history, your previous credit card repayments and loan repayments.

4. Educational level.

5. Asset status, real estate, vehicles, deposits, etc. will give you extra points.

Therefore, the maximum limit of ICBC Platinum Credit Card depends on your own comprehensive credit limit. If you meet the high-limit conditions listed above, your Platinum Credit Card limit must also be very high.

The credit cards issued by the Industrial and Commercial Bank of China are uniformly named Peony Cards, and are divided into platinum cards, gold cards and regular cards according to their credit levels. Regular cards generally refer to credit cards with a credit limit of less than 10,000, gold cards generally refer to credit cards with a credit limit of 10,000 to 50,000, and platinum cards generally refer to credit cards with a credit limit of more than 50,000. They are the most advanced credit cards of ICBC. Card replacement, loss reporting, There are no handling fees for transfers and remittances, deposits and withdrawals in other places, free aviation accident insurance up to 4 million, VIP treatment at the airport, etc.

How to apply for the ICBC Credit Card Platinum Card:

Many people must have heard about ICBC’s star-level customer standards. If you want to apply for the ICBC Credit Card Platinum Card, the applicant needs to be from ICBC A 6-star customer or a 7-star customer.

Of course, in addition to star customers, cardholders also need to meet the following application conditions:

1. Applicants need to be over 18 years old, under 60 years old, and have A natural person with full capacity for civil conduct;

2. The applicant must have a good personal credit record and no bad behavior records such as overdue and cash out;

3. The applicant must have a stable The applicant must have a job and legal source of income, and the applicant’s annual after-tax income reaches 200,000, or the company he works for is a department manager, supervisor, or leader with intermediate or senior professional titles in the Fortune Global 500 or the Top 100 in China.

4. Applicants must have certain financial conditions and have personal assets of more than 1 million. Proof of financial resources such as real estate, cars, certificates of deposit, funds, and stocks can be provided.

5. In addition to the above, if the applicant is a senior leader or financial person in charge of a party and government agency, a social group, or a financial institution, the success rate of applying for a platinum card for industrial and commercial credit cards will be very high.

What is the maximum limit of a credit card?

The maximum limit of a credit card can also be more than 1 million. The specific amount also depends on the individual's credit and qualifications.

1. The maximum amount of a credit card can exceed 1 million, and the specific amount depends on the individual's credit and qualifications. If the individual qualifications are excellent, the number will be larger, so we also need to maintain a good reputation. Many people make decisions based on their jobs, so the credit card limit situation also needs to take into account many factors, and we also need to pay attention to it. If you have a certain ability, then you can choose to borrow more loans. If you don’t have enough financial ability, it is recommended not to borrow too much, as it may cause unnecessary trouble.

2. The credit card limit is relatively high, which makes it easier for them to use it better and also solves some problems. So people think their credit card limits are higher, which makes it easier for them to save for emergencies. Therefore, the limit of a credit card also needs to be determined based on many circumstances. Under normal circumstances, the maximum limit of a credit card can reach more than 1 million, which is also very high. Credit cards have high limits, and many people choose to use them when they are in trouble. If the credit card limit is relatively large, it is also very good, so everyone thinks this is a good situation.

3. Don’t overdue your credit card when using it. Don't overuse your credit card. This will also bring some unnecessary trouble to them in the later stage and easily affect their reputation. Credit cards have advantages and disadvantages. Although credit cards provide convenience to people, they also have advantages and disadvantages, so people should take the situation seriously. There may be a few people who do not have the ability to control themselves and choose to overdraft and consume in advance. At this time, they will use the credit card amount, but they will not be able to repay it in the future. This also causes some bad situations, so people should pay attention and use it reasonably.

: Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to consumers with credit qualifications. The name of the issuing bank, expiration date, number, cardholder name and other information are printed on the front of the form, and the magnetic stripe and signature strip are printed on the back. Consumers holding credit cards can go to specialized commercial service outlets to shop or consume, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

What is the maximum limit on a credit card?

The maximum limit of a credit card can also reach more than 1 million. The specific amount also depends on the individual's credit and qualifications. If your personal qualifications are excellent, the quota will be larger, so everyone also needs to maintain a good reputation. Many people also make decisions based on their work situation, so the credit card limit also needs to take into account many factors, and everyone needs to pay good attention to it. If you have certain abilities, you can also choose to borrow more loans. If your financial capacity is insufficient, it is recommended not to borrow too high a limit, as this may easily cause unnecessary trouble.

The maximum limit of a credit card is 1 million.

The limit of a credit card is relatively high, which makes it easier for you to use it better and can also solve some troubles. Therefore, people think that a higher credit card limit is convenient for them to prepare for emergencies. Therefore, the credit card limit also needs to be determined based on many circumstances. Generally, the maximum limit of a credit card can reach more than 1 million, which is also very high.

Credit card limits are very high

Everyone said that they would choose to use credit cards when they encounter some difficulties. If a credit card has a larger limit, it is also very good, so everyone thinks this is a better situation. I also hope that everyone can pay attention to it and avoid overdue credit cards when using them. This can also easily affect your credit, and don't use credit cards excessively. This will also cause you some unnecessary trouble later on, and it will also easily affect your reputation.

Credit cards have pros and cons

Although credit cards provide convenience to people, they also have pros and cons, so people should take this situation seriously. There may be some people who have no self-control and choose to overdraft and consume in advance. At this time, they will use the credit card limit, but they will not be able to repay it later.

This has also caused some bad situations, so people should also pay attention and use it reasonably.

How to apply for a 1 million credit card?

You can apply for a 1 million platinum credit card at a bank outlet, but you must obtain a recommendation from the bank (the outlet is a branch or sub-branch). Only recommended customers have the chance to receive higher amounts. Aside from a good relationship with your bank, there are only a few ways you can get referrals. The simplest way is to save a sum of money and qualify as a bank VIP customer. After qualifying, you can often get tens or even hundreds of thousands of credit cards. Once you get the card, you can transfer money. You can apply for it by obtaining bank recommendation by purchasing funds or other methods.

If you want to apply for a large credit card, you must fill out the application form as detailed and complete as possible. Regarding the contents of the credit card application form, many applicants skip the non-mandatory items to save trouble. But according to the editor's investigation, the more complete your information is, the higher the bank's approval rate for large-value credit cards will be. There are several items that add the most points. The remaining landline numbers are those for that city. Marital status: Married, local household registration, and own real estate such as real estate or cars. Credit cards can be divided into ordinary cards, gold cards and platinum cards. The so-called high-limit credit cards are generally high-limit platinum cards and diamond cards. Platinum cards and diamond cards are both credit cards with higher credit limits. The credit limits of platinum cards and diamond cards can reach up to 200,000 to 1 million.

1. In fact, the most effective ways to apply for 1 million credit cards are real estate licenses, driver's licenses, high-value insurance policies, etc. In fact, the most important thing is how to reasonably combine certificates, tickets and orders. The right combination of materials will increase the credit limit by nearly 300~800. Provide other materials that can prove your qualifications or qualifications, such as other bank card account opening letters or statements, large time deposit certificates, VIP customer cards of other banks, professional certificates (lawyer certificate, accountant certificate, etc.). Analysis of the essence of bank credit card business: First of all, banks are enterprises that operate funds and obtain profits through the interest rate difference between deposits and loans. As long as it is an enterprise, no matter what type of enterprise, it depends on profits. Banks are in business to make a profit.

2. Secondly, credit card business is one of the many business types of banks and is also a form of bank profitability. The main methods are: interest, late payment fees, installment service fees, merchant contract promotion and installment consumption service fees. Analysis of the psychological game between banks and cardholders: The psychology of banks is very contradictory. On the one hand, they are afraid of risks; on the other hand, they want to make more money. Cardholders not only want more and larger amounts, but also want to reduce unnecessary waste. The money the bank gives you is used to make money. It is not a philanthropist. It gives you carbon from the snow when you're in trouble. If you don't earn the income standard for a base rate loan, it's best not to give it to you. Better to give it to someone else who can make money. It's better to seal the cards or reduce the quantity. Remember: first, it makes the bank feel safe, and second, it makes the bank make money (the base mortgage interest rate for income is the same).

That’s it for the introduction of a credit card with a limit of 1 million.