It is generally 50% of the credit card limit. No matter cash withdrawal or cash installment, only 50% of the money in the card can be lent at most, that is, 10000 yuan, and only 5000 yuan can be lent at most. And decreases as the available quota decreases. Suppose the cardholder's credit card limit is 50,000 yuan, and the maximum loan limit that can be applied for is 25,000 yuan. If you spend 5000 yuan during this period, the loanable amount becomes 22500 yuan.

Of course, it should also be noted that credit card withdrawals are generally limited, but different banks have different limits. For example, China Construction Bank stipulates that cash is withdrawn through UnionPay in China, and the daily overdraft limit of each card in the counter channel is 20,000. The daily overdraft withdrawal limit of each card in ATM channel is 1 10,000.

Credit card repayment time

Although the repayment date of each month is fixed, the repayment date of each bank credit card is different, and the repayment date of each person with the same bank credit card is also different, so the specific repayment date of each person in each month needs to be subject to the regulations of the issuing bank.

You can check your billing date and repayment date through credit card, mail bill, credit card APP, customer service and other channels. For example, the repayment date of China Merchants Bank's credit card is18th day after the bill date. If the cardholder's monthly billing date is 3 days, the monthly repayment date is 2 1 day. If the billing date of another cardholder is 5 days, the repayment date will become 23 days.