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.
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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 of China Bank?
Bank of China will determine whether it meets the requirements and credit limit according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card. Finally, please refer to the actual approval results. General credit card limits range from 0 to 2 million yuan.
The above contents are for your reference. Please refer to the actual business regulations.
What is the credit card limit?
The credit card limit is determined by the bank according to the applicant's credit status and the card grade applied for, and generally follows the standards:
1, ordinary credit card limit: 0- 1 ten thousand yuan;
2. Credit card gold card amount: 1, 000-50,000 yuan;
3. Platinum card and above: 50,000 and above.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in 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, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
Repay in full to avoid cyclic interest.
Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and do not enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is recommended that you pay in full when you repay, so as not to cause greater losses.
Temporarily increase the credit limit to avoid credit card explosion.
In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.
What is the credit card limit?
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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; A black card is a credit card with a credit limit of one million, and the upper limit of each bank will be different, ranging from 1 10,000 to 5 million.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card. When you apply for a credit card, you will pay more attention to the final approval amount of the credit card. No matter whether it is necessary to use so much credit, most users are still willing to apply for large credit cards.
The credit card limit will vary according to the level of the card. At present, credit cards are mainly divided into ordinary cards, gold cards, platinum cards and black cards. According to different card types, the credit card limit generally ranges from 1000 yuan to 10000 yuan and10000 yuan. The higher the card level, the higher the corresponding credit card limit. At present, credit cards generally range from 65,438+0,000 yuan to 65,438+0,000 yuan, gold cards generally range from 65,438+0,000 yuan to 50,000 yuan, and platinum cards vary according to the upper limit of banks, generally starting from 50,000 yuan. Black cards are all credit cards with millions of credit cards, and the upper limit of each bank will be different, ranging from 654.38+0 million 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.
What is the general credit card limit of ICBC?
Under normal circumstances, the limit will be reviewed by the local card issuer according to the materials submitted by you and the comprehensive credit status.
(Answer time: April 2, 20221. In case of business changes, please refer to the actual situation. )
That's enough for the introduction of the credit card limit table.