When applying, you can put forward the amount you want to get according to actual needs. The bank will review and deal with it according to the credit status and card usage. , the final audit result may be different from the original application.
The amount is mainly determined by the financial certificates provided, including automobile production, real estate, deposits and financial investments, social security policies, insurance products, salary certificates, etc.
The approved credit line refers to the credit line approved by the issuing bank according to the credit status of the main card applicant. Credit limit refers to the maximum overdraft limit of a credit card, which is shared by RMB and foreign currency, the main card and the auxiliary card, and all credit cards under the name.
Installment limit is set to 100% of the credit card's permanent credit limit.
Under normal circumstances, the cash advance does not exceed 50% of the credit limit, and does not exceed the current available credit limit of the card. Cash borrowed in advance does not enjoy interest-free repayment, and interest is charged at a daily rate of 0.5 ‰ from the bank bookkeeping date, with compound interest on a monthly basis. According to the regulations of the supervision bureau, credit cards are overdrawn through the UnionPay network, and each card does not exceed the equivalent of 2000 yuan per day. Cash withdrawal through non-UnionPay network shall not exceed the equivalent of USD 65,438+USD 0,000 per day and USD 5,000 per month. The actual available amount will also be affected by the card amount and usage.