I would like to ask what is the minimum limit for Bank of Communications credit cards
Bank of Communications credit cards are generally divided into three levels. Different levels correspond to different limits, and the minimum limits are also different.
1. Regular Card: The limit ranges from 1,000 to 10,000 yuan. In special circumstances, the minimum limit may be less than 1,000 yuan;
2. Gold Card: The limit is 10,000 yuan To 50,000, it basically fluctuates within this range;
3. Platinum Card: The limit is more than 50,000, with no upper limit.
Depending on your current financial situation, applying for a credit card may be difficult. If you must apply for it, you can try to go to a bank branch with relevant documents (ID card, income certificate, property certificate, etc.). It is best to choose a regular card when applying for the first time. The limit is low. If you have special needs, you can also negotiate with the bank. The minimum limit is generally 1,000 yuan. There are also exceptions where the limit is 0. I hope you choose carefully.
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Generally, the minimum limit for a Bank of Communications credit card is 1,000 yuan, but I have also seen people whose limit is only 500. You can call the Bank of Communications Customer Service Center directly to ask, and they will give you an answer based on your specific situation. Suggested.
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What is the general limit of a standard Bank of Communications credit card? Note that these points are doubled!
Nowadays, many people apply for credit cards and are very concerned about the limit of the credit card. It is not only more money that can be overdrafted, but also represents a person’s asset capacity. Therefore, high-limit credit cards are often more popular. Many friends ask, what is the general limit of a Bank of Communications standard credit card? Here to answer for you.
What is the general credit limit for a Bank of Communications standard credit card?
The first thing you need to understand is that the credit card limit will have a floating range and is not a fixed value. It is decided by the bank based on the qualifications of the card applicant. Generally speaking, the range according to the credit card level is as follows:
Bank of Communications credit card general card limit: 2,000-10,000 yuan
BoCom credit card gold card limit: 2,000-50,000 yuan
BoCom Credit Card Platinum Card limit: above 50,000 yuan, up to 1 million yuan.
According to feedback from cardholders, the credit limit of Bank of Communications standard credit card is between 2,000-50,000 yuan, and the comprehensive score is based on the information you provide when applying for the card.
Think the quota is low? You have to do this:
1. Maintain good consumer credit and repayment credit. Use your credit card frequently to diversify your consumption types. Remember not to have any overdue credit.
2. Provide relevant asset certificates. Don’t be stingy about showing off any real estate, car, etc. certificates you have.
3. A stable job and considerable income are also a big help. Try to highlight your stable job and show off any academic certificates and qualifications you have.
The above is the limit of the Bank of Communications standard credit card introduced to you. Generally speaking, if you want a high-limit credit card, personal credit is very important, and then you need to use it well after applying for the card, and there are irregular ones. It’s time to raise your quota!
What is the general limit of a Bank of Communications credit card?
The general limit of a Bank of Communications credit card ranges from a few thousand to tens of thousands of yuan, which depends on the level of the credit card:
1. Bank of Communications general credit card, the general application limit is between 1,000-10,000 yuan.
2. For the Bank of Communications Gold Credit Card, the general application limit is between 10,000 and 50,000 yuan.
3. For Bank of Communications Credit Card Platinum Card, the general application limit is more than 50,000 yuan, and the maximum is 1 million yuan.
Bank of Communications will determine the specific credit card limit with reference to your personal repayment ability. The stronger your repayment ability, the higher the available limit of the card.
The methods for increasing the limit of CITIC Credit Card are as follows:
1. Supplement the asset certificate. Generally, the more assets you have, the higher the credit limit you can apply for. Cardholders can provide more proof of assets, such as passbooks and houses, to the CITIC Bank Credit Card Center.
2. For frequent consumption, cardholders should swipe their cards where they can swipe their cards, and pay off their credit cards on time after swiping their cards to maintain good credit. You can apply for a quota increase during the quota assessment in the following month.
3. Apply for a temporary limit during holidays. Generally, CITIC Bank will relax the limit during holidays, so cardholders can apply for a limit increase in advance during holidays.
What are the precautions for using credit cards?
Repay in full to avoid recurring interest:
Although banks have emphasized this when popularizing credit cards There is an interest-free period, but most people don’t know the rules of the interest-free period very clearly, so they spend a lot of money in vain. For example, during the Spring Festival, Xiao Zhang paid 4,000 yuan with a credit card to buy a new mobile phone. When the repayment was made, there was only 3,999.7 yuan in his account. After the bank deducted the money, Xiao Zhang still owed the bank 0.3 yuan.
Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = that day) Interest rate on the remaining outstanding amount). It is recommended that everyone repay the loan in full to avoid greater losses.
Temporarily increase your credit limit to avoid maxing out your credit card:
In fact, every credit card has a hidden over limit. When you max out your credit card, it is easy to use the over limit. Once the limit is exceeded, it means paying a high over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.
The minimum repayment amount must be sufficient to avoid late payment fees:
In daily life, we often encounter inoperable situations. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.
What is the overdraft limit of a Bank of Communications credit card? The available limit is the overdraft amount
The most attractive thing about a credit card is that it has an interest-free overdraft period. The overdraft limit of a credit card is determined by the credit limit of the credit card. If you apply for a temporary limit, you can have a larger overdraft limit. Today I want to talk to you about what is the overdraft limit of Bank of Communications credit card.
1. Bank of Communications credit card limit standards
Generally speaking, the overdraft limit of Bank of Communications credit cards is up to 10,000 for regular cards, 50,000 for gold cards, and 5 million for platinum cards. Or higher. The specific credit limit will be determined by the bank based on the credit conditions of the card applicant.
2. Credit limit
The Bank of Communications credit card overdraft limit is mainly based on the credit limit of the credit card. If the card is not used or the bill has been paid off, the credit card overdraft limit It's the credit limit of your credit card.
3. Available limit
As the name suggests, the available limit is the limit that the cardholder can currently use with his credit card. Available limit = credit limit - current bill amount - unpaid bill amount - pending bill amount. The authorized transaction amount is credited and the repayment is not credited but the repayment/return is authorized for credit.
What is the overdraft limit of Bank of Communications credit card? Cardholders can make inquiries at any time by calling the customer service hotline, online banking, mobile banking, ATM machines, WeChat and SMS. Keeping abreast of their credit card consumption can help cardholders maintain rational consumption behavior and avoid repayment difficulties.
What is the general limit of a Bank of Communications credit card?
The minimum amount
Generally speaking, the range according to the credit card level is as follows:
Bank of Communications credit card general card limit: 2,000-10,000 yuan
Bank of Communications credit card gold card limit : 2,000-50,000 yuan
Bank of Communications Credit Card Platinum Card Limit: more than 50,000 yuan, up to 1 million yuan.
Extended information:
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals for life and career, People who have pursuits, know how to enjoy, are more willing to struggle, and sometimes have the need to study, do business, research or travel abroad. They are also a group of people with high living standards who are willing to try new consumption habits. ”
Bank of Communications Credit Card. The center was founded on October 25, 2004. It is headquartered at No. 80 Songtao Road, Zhangjiang High-tech Park, Pudong New Area, Shanghai. Its products are all named "Pacific" and with the theme of "Chinese people's global card", it advocates a new consumer culture and card-using experience, providing preferential treatment and considerate services all over the world.
Reference materials:
Baidu Encyclopedia: Bank of Communications Credit Card
What is the maximum limit of Bank of Communications Credit Card
1. The maximum limit of Bank of Communications Credit Card It can reach about 1 million yuan.
2. The limit of Bank of Communications credit card regular and gold cards is generally between 10,000 and 50,000 yuan. If the applicant has good qualifications and conditions, you can also apply for a platinum card. However, this platinum card is not something that ordinary people can apply for. You need to be among the local people with a relatively high income. If your annual income is more than 200,000 yuan, you can apply. The Platinum Card limit is mainly related to the applicant's work and income. The higher the income level, the higher the credit limit, which can reach a maximum of about one million yuan.
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This ends the introduction about the overdraft limit of the Bank of Communications credit card and the overdraft limit of the Bank of Communications credit card. Don't know if you found the information you need?