The credit card limit is granted after the bank verifies the card successfully, and it has nothing to do with whether the card can be opened or not.
Simply put, if a credit card is approved, as long as the bank has a quota, then the credit card has a quota, even if there is no card opening quota.
However, if you apply for a credit card online and it is the first time to apply for a card, you must judge the credit card limit according to two situations:
1. If the bank requires a face-to-face interview before issuing the card, the credit card limit can only be known through the face-to-face interview. After all, the credit card face-to-face signing is considered to be a real success, and the bank will grant a quota. As long as the cardholder opens a credit card, he can check the credit card amount by telephone inquiry, SMS inquiry and other ways.
2. If the bank issues the card first and then signs it in person, you can also know the credit limit before signing it in person, because the credit card letter will indicate the credit card information, including the credit limit, billing date, repayment date and so on. However, if the credit card face-to-face signing fails, it means that the card has also failed in the end, and the credit card that has been obtained will become a waste card, and it cannot be used if there is a quota.
The above is "Is there a limit to open a credit card?" . Finally, I would like to remind you that the credit card limit is not constant after the card is issued, but will be adjusted irregularly with the cardholder's card use behavior. After the card is opened, the cardholder should maintain a good credit and repay the loan on time, which is conducive to the withdrawal of credit cards.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
main feature
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and stimulate social demand.
Financial management strategy
1, control the number of credit cards, enough is enough.
Once there are too many credit cards, it is easy to get the repayment date of this card wrong and forget the credit limit of that card, which is difficult to manage, and it is easy to cause overdue repayment and leave a bad record. Moreover, multi-card credit card points, too scattered points are not conducive to redemption of gifts. Therefore, it is suggested that only 1~2 credit card is enough.
2. Keep credit card vouchers
Most credit card holders don't care about these documents, and they won't keep them. Most of them are thrown away, which is a very bad habit. In fact, keeping good credit card vouchers is not only convenient for summarizing consumption records every month, and then analyzing and optimizing consumption habits, but also helpful for improving the rationality and transparency of credit card consumption, so as to clearly understand credit cards. Moreover, many people's credit cards do not have passwords, and discarding credit card vouchers at will may lead to the theft of credit cards.