1. The average amount of ICBC is over 40,000, which is the highest among the four major banks. Advantages of China Industrial and Commercial Bank's credit card: the bank with the most outlets; Support Alipay, unlimited times; There is no handling fee for local cash withdrawal, and the amount of international cards of different brands is independent; Disadvantages: the bidding threshold is too high and the quota is too low; Poor service attitude (especially in branches), there is no 800 telephone, and 400 is not for individual users; Summary: It is suitable for local commercial banks without joint-stock system and friends who often like to withdraw cash from overdrafts.

2. In addition to personal income level, the bank credit limit should also consider your personal credit and education, as well as the nature of work and actual needs; Basically, the basic principles for banks to approve credit cards and credit lines are:

Consider your actual spending power.

2) Consider your repayment ability.

3) Article 2 takes precedence over Article 1.

3. Usually, the interest-free repayment date of the bank is 50~56 days;

Due to the imperfect credit system in China, the four major commercial banks generally have strict requirements for credit card applicants. However, if you apply for some credit cards from local banks first, and then apply for these four cards after accumulating some credit lines for a period of time, you will be more likely to be approved. You know, whether it's Vias, Master or China UnionPay card, if you have failed to apply for it twice in a row, then you think it will be very difficult to apply for the third time in 1 year.

However, when applying for some local banks, such as Guangfa and Minsheng, it is very important for you to consider whether it is convenient to repay in the future. If you can't find the bank counter for cross-bank repayment, it will delay the time and it will be very unfavorable for you to have a bad repayment record.

6. If your personal conditions are not very good, don't ask for too high a credit limit when applying for the first time. Generally, after three months, the bank will adjust the credit line according to your repayment and actual use in the first three months. The principle of applying for a credit line is: just enough.

7. Generally, undergraduates who have a fixed occupation and have worked in this unit for two years can easily get a quota of 3-5,000 yuan for the first time, and graduate students can get a gold card, that is, a quota of more than 1000.