1. Credit card limit, also known as credit card credit card limit, refers to the maximum credit card limit, including credit card limit (i.e. the maximum overdraft limit of credit card) 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 and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
2. However, if you use the credit card's over-limit amount, you may be charged a certain over-limit fee, and you cannot enjoy the cyclic interest. You must pay it off in this bill. We also need to note that although the credit card limit can be fully swiped at one time, it is not recommended that we do so. After all, if the credit card is always swiped all at once, it will leave the card in an empty state, which will increase the risk of the account and the bank may control the risk. Therefore, it is not conducive to the withdrawal amount of the card, and may even lead to the reduction of the amount or the inability to installment.
Therefore, I suggest that you use your credit card reasonably, instead of always using it at one time. You can spend a few times in a small amount, occasionally make a lot of money, and then repay it on time, which is helpful to improve the quota.
50,000 credit cards are divided into 36 installments at a time, and each installment needs a basic fee of 1.389 yuan. Plus the installment procedures of different credit cards, the repayment of each installment is about 1600 yuan.
1, 50,000 ICBC credit cards can be swiped in 24 installments at most, with interest of 7.2% and handling fee of 3,600 yuan, so a total of 53,600 yuan needs to be repaid, and each installment needs to be repaid 1539 yuan.
2. China Merchants Bank Credit Card, 50,000 points, 36 installments, interest rate of 5%, handling fee of 2,500 yuan. A total of 52,500 yuan is required to be repaid, and each installment needs to be repaid 1597 yuan.
3. China Construction Bank will charge 50,000 credit cards in 36 installments, with interest of 6% and handling fee of 3,000 yuan, with a total repayment of 53,000 yuan, with repayment of 1.639 yuan per installment.
4. China Bank's credit card, with 50,000 points, is used for 36 installments, with interest of 6.25% and handling fee of 3 125 yuan, so a total of 53 125 yuan needs to be repaid, and each installment needs to be repaid 1649 yuan.