Rural commercial banks all over the country are not a system, and the credit cards issued are different. The credit limit of rural commercial credit cards is mainly related to the applicant's credit conditions and the card level applied for.

Under normal circumstances, the general credit card limit of rural commercial credit cards is within 654.38+0 million; The gold card amount is generally between1-50,000; The amount of the platinum card is more than 50,000. However, because it is a local bank, the amount of card issuance is generally not too high, and the specific amount needs to be subject to the evaluation results.

Precautions for credit card use:

1, pay attention to consumption

In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.

2. Pay attention to quotas

Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.

3. Inquire about credit information

If the cardholder has met the conditions for withdrawing cash from the credit card, it is best to check the personal credit first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of cash withdrawal.

Quota:

1. What is the credit card limit? At present, there is no explicit provision, and the provisions of various banks are not exactly the same, but there will be a general scope. For example, the general card is 3000-8000, and the gold card is 8000- 1W, which is just the general application scope of credit card limit. The specific situation depends on the amount after receiving the card.

If you want to adjust the quota, just apply directly! Of course, this requires you to use the card for a while, and there is no bad record. I currently use a wide card, which I feel is more convenient. If you want to increase the limit, just send a text message XLT+ the last four digits of the card+adjust the amount to 95508, about 3 seconds!

2. Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales,++social demand and other characteristics. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.

Minimum balance of company account number of Shenzhen Rural Commercial Bank

Ten thousand. The credit cards of Shenzhen Rural Commercial Bank are divided into three types: ordinary card, gold card and platinum card, in which the amount of ordinary card is within 6.5438+0.5 million yuan, the amount of gold card is generally between 6.5438+0.5 million yuan, and the amount of platinum card is relatively high, usually above 50,000 yuan.

What is the credit card limit of rural commercial banks?

Generally 10% of the total amount.

For example, if your credit card limit is 1 0,000 yuan, then your actual use limit can reach at most 1 654,38+0,000 yuan. Generally, there is a charge for exceeding the limit. It is equivalent to withdrawing cash, with a daily interest of five ten thousandths. Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations under their jurisdiction.

2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6. The Notice specifies that the directional descent will be divided into three landings, and specifies the scale of the three landings. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%.

Credit card limit of Wuxi rural commercial bank

The credit card limit is mainly determined by the comprehensive qualifications of the credit card applicant, such as personal credit and repayment ability.

1, and the general credit card limit is around 3000- 10000.

2. The gold card amount of credit card is about 10000-50000.

3. Credit card platinum card amount is more than 50,000, and so on.

Credit card quota of rural commercial banks

The credit card limit of rural credit cooperatives depends on the financial proof you submit. The higher the value of the information submitted, the higher the credit card limit. Credit cards of rural credit cooperatives, all gold credit cards have a quota of 200,000-200,000 yuan, and all ordinary cards have a quota of 0.2-20,000 yuan. This card is valid for 3 years. During the period of using the card, you should swipe your card more. Try to choose a shop that swipes your card. The more frequently you use it, there will be a relatively stable consumption quota every month, just changing the original habit of cash consumption to credit card.

How to increase the credit card quota of rural credit cooperatives

You can call to apply for increasing the limit, but you should also pay attention to the healthy use of the credit card limit and the financial proof of gradually increasing the limit; Check the main points for attention when using credit cards:

1. Cardholders can use credit cards as much as possible in their daily consumption, especially to increase the expenditure of large-scale consumption (except for wholesale consumption, which is not only not conducive to increasing the credit limit, but may also be suspected of illegal cash withdrawal).

2. After spending continuously for several months, you can take the initiative to apply to the bank, and the card department will decide whether to increase the quota according to the cardholder's consumption record. After the credit limit is increased, you can apply to the bank again for a period of time, about three months, and gradually increase the credit limit.

3. Provide proof of assets income. Actively provide the bank with proof of asset income. The more detailed the proof materials, the higher the income and the higher the credit line approved by the bank.

4. Repay in full and on time. Try to repay in full and on time every month. Repayment is an important item in credit card records. Cardholders should try their best to avoid paying interest beyond the interest-free period due to overdue repayment, otherwise it will not only be conducive to improving the credit limit, but also may stain the credit record.

China Construction Bank Platinum Credit Card can be divided into distinguished version and elite version.

1. Annual fee for premium edition: 3,600 yuan/year for main card and 2,800 yuan/year for auxiliary card;

2. Annual fee for elite edition: main card 1800 yuan/year, and sub card 1200 yuan/year;

3. Credit line: 65438+ ten thousand-1 ten thousand.

Bank credit card withdrawal interest:

Credit card withdrawal has no interest-bearing period, and five ten thousandths of overdraft interest is charged every day from the date of withdrawal until it is paid off.

Bank credit card withdrawal method

1. Within China: RMB cash can be withdrawn from China Bank outlets, ATMs or other commercial banks with UnionPay logo.

2. Overseas: You can withdraw local legal tender for cash advances at any ATM with the logo of PLUS, CIRRUS or UnionPay in the world.

What is the credit card limit of rural commercial banks?

The credit card limit of rural commercial banks is generally between thousands and tens of thousands.

1. Generally speaking, the credit cards of general commercial banks range from several thousand yuan to tens of thousands of yuan. Generally, the maximum amount is not more than 50,000 yuan, while the amount of higher-grade platinum cards is generally higher, which can reach several hundred thousand yuan or even millions.

2.Ruralcommercialbank, referred to as rural commercial bank, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction. Rural cooperative banks should all be restructured into rural commercial banks.

The establishment background of rural commercial banks;

1. Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the status of county (city) as a legal person, we will steadily push forward the reform of provincial associations, and gradually build a new relationship between provincial associations and grassroots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form a community of interests between provincial associations and grassroots legal entities.

2. The proportion of qualified shares in China's rural credit cooperatives has dropped below 30%. There are about 303 rural commercial banks and 2 10 rural cooperative banks, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.

3.2065438+On May 2, 2009, the People's Bank of China announced the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6. The Notice specifies that the directional descent will be divided into three landings, and specifies the scale of the three landings. That is, in May of 15 and June of 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point, and in July of 15, the deposit reserve ratio was lowered to 8%.

So much for rural commercial banks to introduce credit card quotas.