There are high and low credit card quotas, and different credit card grades correspond to different quotas. For users who apply for a credit card for the first time, the amount is usually relatively small. What is the credit card limit?

The credit card limit is between 2000 yuan and 5000 yuan; The gold card amount is between 5,000 yuan and 20,000 yuan; The amount of platinum card is between 20,000 yuan and 50,000 yuan; The amount of diamond cards is more than 50,000 yuan, and some diamond cards even exceed 6,543,800 yuan.

1, Puka. Ordinary users apply for credit cards for the first time, usually ordinary credit cards. When applying for a credit card for the first time, try to choose a local commercial bank, because the probability of applying for a card is relatively high, and the review is looser than that of the four major state-owned banks. The credit card replenishment amount is usually low, generally only between 2000 yuan and 5000 yuan, and the specific credit card amount can only be determined after application.

2. Gold card. At that time, users with credit cards often used credit cards to spend and repay on time. Usually about three months, the bank will upgrade the ordinary credit card, that is, the Puka will be upgraded to a gold card. Generally, the amount of gold cards for credit cards is between 5,000 yuan and 20,000 yuan, and the regulations of each bank are different, but the difference is not very big.

3. Platinum card. Credit card platinum card is higher than gold card. Generally, the amount of a platinum credit card is between 20,000 yuan and 50,000 yuan. When the user holds a credit card and the gold card repays on time, and the consumption amount is high, the banking system will upgrade the credit card to a platinum card, giving the cardholder more access and consumption amount.

4. diamond card. Generally, diamond card is the highest level of credit card, and the credit limit of diamond card is usually more than 50 thousand yuan. Some banks will set the credit limit of diamond cards at more than RMB 654.38+10,000, and upgrade them to diamond cards through platinum cards. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability, and you can take the initiative to contact the bank customer service to apply for upgrading.

What is the credit card limit?

Credit card ordinary card limit is generally between 1 1,000 yuan and 1 1,000 yuan; The amount of a gold card is generally between 6,543,800 yuan and 50,000 yuan; The amount of platinum card will vary according to the upper limit of the bank, generally starting from 50 thousand yuan; Black cards are credit cards with a limit of one million, and the upper limit of each bank will be different, ranging from 1 10,000 to 5 million.

Credit card ordinary card limit is generally between 1 1,000 yuan and 1 1,000 yuan; The amount of a gold card is generally between 6,543,800 yuan and 50,000 yuan; The amount of platinum card will vary according to the upper limit of the bank, generally starting from 50 thousand yuan; Black cards are credit cards with a limit of one million, and the upper limit of each bank will be different, ranging from 1 10,000 to 5 million.

The credit card limit depends on the effective income provided by the individual during the application process and the guaranteed value of the assets. 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.

How much is the credit card?

The credit card limit of China Merchants Bank is 3000- 1 10,000 yuan, and the gold card limit is 1 10,000-50,000 yuan. According to the information submitted by the customer, the customer's credit card fixed limit is comprehensively evaluated, and the final audit result shall prevail. (Multiple credit cards under the same account name share the same limit)

Application conditions

(1) China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan have reached the age of 18, have full capacity for civil conduct, and have good credit standing. They can apply for personal credit card master cards with their valid identity documents.

Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in domestic financial institutions can apply for business cards from card issuers with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (foreign exchange settlement accounts are also required to apply for international business cards).

The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use the relevant materials.

(4) According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, and determines the way and type of obtaining the card, the credit line granted to the applicant, etc. Failed application materials will not be returned.

(5) The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).

(6) After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.

What is the credit card limit?

There will be great differences in the amount of credit cards at different levels. Credit card amount 1- 1 10,000, gold card amount1-50,000, platinum card amount 500,000-500,000, and bank black card amount is generally more than 500,000.

1, Puka credit card limit:

The credit line of Puka is usually between 1 1,000 yuan-1 1,000 yuan, and even the credit lines of some banks are 1 yuan and 1 yuan. Others have obtained credit cards with a credit limit of RMB in 0 yuan, and they need to deposit before spending.

2. Gold card credit card limit:

The approval of gold cards is stricter than that of ordinary cards, and the amount is also higher. The card face is mostly golden yellow, and the amount is between1-50,000 RMB. The annual fee can usually be reduced according to the number of swipes.

3. Platinum card credit card limit:

The platinum card face is silvery white with the letter P or platinum on it. The credit line is between 500,000 and 500,000 yuan, and the annual fee is 2000- 10000 yuan.

4. Unlimited credit card limit:

The color of the card is usually black, also called black card, and there is no upper limit for the amount of more than 500 thousand.

When applying for a credit card for the first time, I suggest that you prepare some financial certificates, which will help to issue a higher limit. Financial proof can be a payroll record issued by a bank, an income tax withholding certificate (tax payment certificate), or a document that proves the market value of a house, car, deposit and investment, all of which can prove your financial level.

For more information about credit card limits, please visit: See More.

What is the general credit card limit?

The amount of an ordinary personal card of China Merchants Bank is generally between 1 1,000 yuan and 50,000 yuan. Students are generally below 5000 yuan.

For people with fixed income, the employees of financial institutions such as civil servants or large banks have the highest relative quota. The size of the company and the position of the individual also have great influence. Account type will also have an impact. The biggest influence is usually personal income (that is, solvency, including asset status, historical credit records, etc. ).

It is possible that the credit limit of a general card is 1000- 10000. There are many factors in the level of credit limit, and the standards of each bank are different, depending on your personal credit.

Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only use your credit card within this limit. If you exceed this limit, you can't use your credit card.

The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.

The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.

How big is the credit card limit?

1. What is the credit card limit?

1, Puka: 1000- 10000 yuan, where there is no gold card, it can be 50,000 yuan.

2. Gold card: 10000-50000 yuan. Because the city card only has a gold card, the amount is between 5000-50000 yuan.

3. Platinum card: generally more than 50,000 yuan, and the highest can reach more than 200,000 yuan.

4. Unlimited card: Only platinum credit card users are invited to issue cards, and the amount is the same as that of platinum cards, both of which are more than 50,000 yuan.

5. Black card: the amount is about 2 million-10/00000.

2. What is the credit card limit?

1. A bank can apply for multiple credit cards.

The same bank can apply for multiple credit cards instead of one. Take China Merchants Bank as an example. There are many kinds of cards, such as online games, cartoon fans and business trips. Cardholders can choose multiple cards that suit them according to their life and consumption habits.

2. Share the credit card limit of the same bank.

The amount of credit cards in the same bank is shared, and the card with the highest amount shall prevail. Take the above-mentioned Xiao Chen as an example. If the credit card limit is 20,000 yuan and the other is 50,000 yuan, then the fixed limit that Xiao Chen can use is only 50,000 yuan. For example, Xiao Chen spent 654.38+00000 yuan on the YOUNG card during the Spring Festival, so the remaining amount of the YOUNG card can be 654.38+00000 yuan, and the amount of the CarCard car card will automatically become 40000 yuan.

3. Multiple credit cards should be repaid separately.

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

Third, credit card quota promotion methods

1, the larger the consumption amount, the better, and the total consumption for half a year is at least 30% of the quota;

2. Consume as much as possible. For transactions with an average of more than 10 per month, it is easier to withdraw cash for transactions with more than 20 transactions;

3. Choose as many businesses as possible, such as shopping malls, supermarkets, gas stations, casinos, etc.

4. The less wholesale and large-scale consumption such as buying houses and cars, the easier it is to raise the amount;

5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve applications;

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

So much for the introduction of credit card limit.