Banks with high credit card limits

1. Ranking of average bank credit card limits

First place: Industrial and Commercial Bank of China. The average card limit is: around 41,000;

Second place: Agricultural Bank of China. The average card limit is: around 35,000;

Third place: China Everbright Bank. The average card limit is: around 33,000;

Fourth place: Industrial Bank. Average card limit: around 24,000;

Fifth place: Hua Xia Bank. Average card limit: around 24,000 but slightly lower than Industrial Bank.

2. The maximum credit limit of each bank’s credit card

The maximum credit limit of ICBC Peony International Credit Card (dual currency): RMB account: 5,000 to 20,000; USD account: 1,000 to 2,000.

The maximum limit of the Industrial and Commercial Bank of China Peony Credit Card (RMB): 20,000

The maximum limit of the China Construction Bank Dragon Card Credit Card (dual currency): 50,000

China Construction Bank Dragon Card Credit Card (RMB) Maximum Limit: 5,000

China Merchants Bank Credit Card (Dual Currency) Maximum Limit: 10,000

Bank of Communications Pacific Credit Card (RMB )Maximum limit: 50,000

Guangdong Development Bank Credit Card (RMB) Maximum limit: 50,000

CITIC Industrial Bank Credit Card (Dual Currency) Maximum limit: 50,000

CITIC Industrial Bank Credit Card (RMB) Maximum Limit: 50,000

Shenzhen Development Bank Development Credit Card (RMB) Maximum Limit: 50,000

In summary, ICBC Credit Card Limit The highest, followed by Agricultural Bank of China and Everbright Bank, with quotas of more than 30,000. If it is easier to apply for a credit card, then the four major state-owned banks (the four major banks refer to the four major state-owned banks of agriculture, China, industrial and commercial banks, and construction) are obviously at a disadvantage. Among them, the best bank to handle credit cards is undoubtedly China Merchants Bank. In addition, in fact, after the development of ICBC in recent years, the threshold for applying for credit cards has also been lowered. Therefore, in summary, the ICBC credit card is the bank that is easy to apply for and has a high credit limit. Secondly, China Everbright Bank is not weak either. Small and medium-sized banks, such as China Merchants Bank, Communications Bank, and CITIC are all pretty good, and their credit limits are quite high.

Which bank has a high credit card limit

Question 1: Which credit card has a high limit? I can tell you that the only banks with high credit limits are Everbright, Communications, Guangfa, and Ping An. Under the same conditions, the limit is is the highest. The four major banks are relatively low, and general joint-stock banks are also okay. I have 8 credit cards. China Everbright and Transportation are 50,000 each, Ping An is 40,000, China Guangfa is 38,000, China Construction Bank is 5,000, Agricultural Bank of China is 10,000, CITIC is 5,000, etc. etc. The cash withdrawal limit is generally half of the card limit. CITIC's cash limit is 30%. If the limit is high and it is easy to apply, I suggest Everbright, Transportation, go for it, but choose a bank that is convenient for you to repay.

Question 2: Which bank’s credit card is easy to apply for? What about the high amount? If you want a high limit and fast speed, the four major state-owned banks should give up! You can only choose small-scale banks, such as China Merchants Bank, Communications Bank, and CITIC Bank, all of which are pretty good and have quite high credit limits. If you want a very high credit limit, I suggest you apply for one from one bank. It's your name on the car's driving license. Be sure to bring it with you. The limit can be very high if you have proof of vehicle ownership. Also, do you have five insurances and one housing fund? If there is, the quota will be more guaranteed. You can write down your salary and position casually, and the work certificate must be stamped with the company's seal, but for some banks, a business card or work permit is also acceptable! If you do it all, you will be guaranteed a high limit! If you still don’t understand, you can ask me, but when using credit cards from small banks, be careful of arbitrary charges!

Question 3: Which bank has a higher credit card limit? If it is a China Merchants Bank credit card, the limit will be comprehensively assessed based on the information attached when you applied and your specific situation during the initial review. Please refer to the review results for the specific limit. The credit limit (fixed limit) of our bank's credit card starts from ￥1,000 yuan or the equivalent in US dollars, and the upper limit is ￥50,000 yuan or the equivalent in US dollars. Under normal circumstances, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan.

The limit of a platinum card is generally a fixed limit of RMB 50,000 plus a temporary limit that is automatically adjusted for you every month. At that time, you can use the combined limit of the two parts for swiping the card for consumption. If the card is not divided into gold and ordinary cards, or if you had a gold card before but canceled it and left a regular card, the limit is between 1,000-50,000 yuan.

Question 4: Which bank has the highest credit card limit? It must be that the credit limit of a reputable bank is high. For example, if your prerequisites are the same

Whichever China Merchants Bank, Guangfa or Minsheng Bank you choose, the credit limit of Minsheng Bank will be higher. . . . Because I applied for it from Minsheng Bank

Question 5: Which bank’s credit card is easier to apply for and has a higher limit? Today’s credit cards are not easy to apply for, unlike in 2008. If you only want a high limit, I suggest you If you go to attract investment and see, the first ones they started with were industrial and commercial banks or small banks in other places! However, most credit cards nowadays require proof of security, such as a house, a car, etc. If you don’t have one, it’s easy to ask the company to issue a work certificate, which will be a bit more expensive. You can also make a long-term fixed deposit in a bank. Generally speaking, it is difficult to apply for credit cards now, such as the Agricultural Bank of China and China Construction Bank. Don't go to the garbage and ask for a guarantee! The processing time is long

Generally, the application process takes 20 days. If the application is not successful, we will tell you!

I wish you good luck

Question 6: Which bank has a higher credit card limit and is easier to apply for? Currently, commercial banks are competing with each other. There is no saying which bank is good or bad, just relatively speaking. Commercial banks are a little easier to apply for credit cards than the four major domestic state-owned banks. Credit cards of each bank have their own characteristics and card application procedures. According to my experience, the credit cards of China Merchants Bank, Bank of Communications, China CITIC Bank, and China Guangfa Bank are relatively better than those of Industrial and Commercial Bank of China, and those of China Construction Bank. The bank is a little easier to handle and has a lot of activities.

Question 7: Which bank has a higher credit card limit? Today, let’s talk about a topic that many card friends are interested in. Which bank has a higher credit limit, and which bank's credit card limit is easier to increase? Recently, we have received many customers from other places who came to Shenzhen to cash out their credit cards. It was found that their quotas were relatively lower than those of local customers in Shenzhen with the same financial status. Therefore, they considered coming to Shenzhen to apply for a credit card. So, which banks should be given priority when applying for a credit card in Shenzhen? 1. China CITIC Bank. CITIC Bank's credit review policy is relatively loose, and the credit limit granted is generally higher than that of other banks. According to our survey, among the people who cash out and repay their credit cards in Shenzhen, CITIC Bank credit cards account for the largest proportion. 2. Bank of Communications. The Youth Card launched by Bank of Communications is aimed at young people with a college degree or above. It is more suitable for young people with academic qualifications to apply. The limit is generally more than twice that of other banks. Friends around me generally use transportation more. This is because the Bank of Communications credit card limit is relatively high. 3. China Everbright Bank. Everbright Bank's credit review policy is rigorous yet flexible, and the credit limit given is not conservative at all. Moreover, with China Everbright Bank's credit card, it is very easy to increase your credit limit as long as you maintain a good consumption and repayment record. The speed and magnitude of the increase are very good. 4. Guangdong Development Bank. Guangdong Development Bank generally offers higher credit limits to cardholders in Guangdong Province. Another feature of Guangdong Development Bank's credit card is that it has a temporary limit of 30, which can be automatically adjusted for the cardholder's use. Very convenient. Among Shenzhen credit card repayment customers, a relatively high proportion of Guangdong Development Bank’s credit cards are used.

Question 8: Which industrial and commercial credit card has the highest credit limit? Industrial and Commercial Bank of China credit cards are divided into quasi-credit cards, credit cards, international cards, etc. Let’s compare which ICBC credit card has the higher limit.

1. The credit limit of ICBC Peony quasi-credit card is fixed, including 10,000 yuan for gold card and 5,000 yuan for regular card.

2. Initial credit limit of ICBC Peony Credit Card

(1) The maximum initial credit limit of an ordinary card account is 50,000 yuan.

(2) The minimum initial credit limit of a gold card account is 15,000 yuan and the maximum is 50,000 yuan.

3. Initial credit limit of ICBC Peony International Credit Card

(1) The maximum initial credit limit for ordinary card RMB account is 50,000 yuan; the maximum initial credit limit for ordinary card foreign currency account is 5,000 yuan Dollar.

(2) The minimum initial credit limit of a gold card RMB account is 15,000 yuan and the maximum is 50,000 yuan; the minimum initial credit limit of a gold card foreign currency account is US$1,500 and the maximum is US$5,000.

(3) The minimum initial credit limit of the Platinum Card RMB account is 50,000 yuan and the maximum is 100,000 yuan; the minimum initial credit limit of the Platinum Card foreign currency account is US$5,000 and the maximum is US$10,000.

(4) Upgrading to a platinum card is not subject to the initial credit limit regulations of the platinum card.

Question 9: Which bank can apply for a credit card with a higher limit? Urgent Urgent Urgent Generally banks will not give you a too high credit limit when you apply for a credit card for the first time, especially if you do not have a higher personal income. possible.

But if you have a Bank of Communications credit card, it will be easier to handle.

I used a Bank of Communications credit card to apply for a Guanggeng credit card. Because my Bank of Communications credit card limit is 30,000, I told them when I applied for the card that 30,000 was not enough for me. If I applied for Guangfa’s The credit card limit must be higher than that of the Bank of Communications. In this case, I will cancel the Bank of Communications and use Guangfa. I didn’t know if it was possible before. But the amount applied for is 50,000.

I think the competition for credit cards may be fierce. In order to let me use their bank's credit card, Guangfa will give me a very large approval limit.

If there is no other way, You can try this method.

Question 10: Which bank’s credit card is the fastest and has the highest credit limit? Bank of Communications is the easiest to handle, but the attitude is bad

China Merchants Bank is also easy to handle, and the service is good

The ones that are easier to apply for are Bank of Communications, China Merchants Bank, Minsheng Bank, China Guangfa, China Everbright, and those with employment certificates. It’s easy to get a credit card, but the limit may not be high

Which bank’s credit card is easier to get and has a higher limit?

Relatively speaking, commercial banks are easier to get than the credit cards of the four major state-owned banks in China. a little. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

1. China Merchants Bank Credit Card

The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.

Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.

2. Bank of Communications Credit Card

What is often recommended is the Bank of Communications Y-power card, which has a cash withdrawal limit of up to 100. There is no annual fee in the first year, and you can swipe the card 6 times for free. The annual fee is very impressive.

The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on gas.

4. CITIC Bank Credit Card

It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours.

Verification of information is very simple, as long as a copy of the ID card is provided. But as for raising the quota, it’s very difficult.

CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.

5. Guangfa Bank Credit Card

Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.

6. Everbright Bank Credit Card

It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.

In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will gradually increase.

Ranking of credit cards with the highest limit

1. Industrial and Commercial Bank of China: the average credit card limit is 41,535 yuan;

2. Agricultural Bank of China: the average credit card limit is 35, 840 yuan;

3. China Everbright Bank: average credit card limit is 33,496 yuan;

4. Industrial Bank: average credit card limit is 24,894 yuan;

5. Huaxia Bank: The average credit card limit is 24,302 yuan;

6. Bank of China: The average credit card limit is 24,264 yuan;

7. China Guangfa Bank: The average credit card limit is 23, 107 yuan;

8. China CITIC Bank: the average credit card limit is 22,024 yuan;

9. Bank of Communications: the average credit card limit is 21,119 yuan;

10. China Construction Bank: The average credit card limit is 20,857 yuan.

The amount of credit card you apply for depends on your personal qualifications, but it is also important to choose the right bank. For many novices who do not have strong qualifications, choosing a company with a relatively high initial quota can also save a lot of effort in increasing the quota in the future.

1. China Merchants Bank’s credit cards have more high-limit credit cards, and it is reported that the ratio can be 76. If it is your first time to apply for a China Merchants Bank credit card, as long as you fill in all the information, you will basically be given a credit limit of 5,000-10,000. In addition to the relatively high credit limit, the CMB credit card limit increase speed is also very fast. As long as you use it normally, you can usually increase the limit in 3-6 months, and the limit increase can reach 30%.

2. Bank of Communications Bank of Communications has a relatively low credit card application threshold, so the probability of applying for a large-value card is relatively high. The proportion of high-value credit cards can reach 74. As long as the information is complete, you can basically get the card smoothly even if you have a bad credit report. The initial limit of the Bank of Communications card application will be around 5,000 yuan, but you should be careful when using the card later. If you use the card incorrectly, the bank will be targeted.

3. When applying for a credit card from Shanghai Pudong Development Bank, you need to prepare complete information, have a good credit record, and the probability of applying for a large-deposit card is 71%. Pudong Development Bank pays more attention to the applicant's comprehensive score, so a good credit record will be the secret to Pudong Development Bank's large-value cards.

4. The proportion of large-value cards issued by China Guangfa Bank is 67. The credit card platinum card is relatively easier to apply for. If you have a real estate certificate, you can basically apply for a platinum card. If you are lucky, you can A quota of 50,000-100,000 is given.

5. The probability of Everbright Bank’s large-deposit card approval is 66, which is the lowest among its subordinate large-deposit cards. However, it is quite easy to increase the limit of credit cards, and the card’s temporary limit is also very small. high. According to the feedback, the platinum card was given a credit limit of 100,000.

When applying for a credit card, you don’t need to blindly pursue high limits. The one that suits you is the best. If the credit card expires, it will have a great impact on your future life.

What credit card has the highest limit?

Credit cards are divided into regular cards, gold cards, and platinum cards. The regular card limit is generally between 0 and 10,000 yuan, and the gold card limit is about 10,000 yuan. ~50,000, and the Platinum Card’s limit is generally above 50,000. In summary, the Platinum Card’s limit is the highest.

The overdue credit card is due to our failure to repay the debt we incurred when using the credit card within the specified date after using the credit card. The impact of overdue credit cards on us is quite serious. If not handled well, it is likely to cause unnecessary trouble to us and make us very upset.

Normally, after our credit card becomes overdue, most banks will provide timely repayment and tolerance services for the credit card in the hands of the cardholder. That is to say, the bank allows under certain circumstances, if the credit card holder fails to repay within a certain period of time, as long as the card holder can call the card-issuing bank to apply for payment in time and pay the full amount within the limited period after the repayment date specified by the bank. If the debt is paid off, the cardholder's overdue payment will not be entered into the personal credit system.

In fact, there are clear regulations on overdue credit card laws, and the impact on credit reporting is only the smallest aspect. Generally speaking, overdue credit cards will have serious consequences for individuals:

The first is fines and penalty interest.

Overdue credit card repayments will incur late payment fees and interest. Late payment fees will be charged at 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period starting from the recording date (usually the second day after consumption), with a daily interest rate of 0.05% until all is paid off.

It can be seen that overdue credit cards are not economically cost-effective for individuals, and the financial penalties are heavy.

Secondly, those who violate the criminal law may face imprisonment

Article 196 of the Criminal Law stipulates that under any of the following circumstances, anyone who conducts credit card activities and the amount is relatively large shall be sentenced to not more than five years or criminal detention , and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and also fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances In particularly serious cases, a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation shall be imposed:

(1) Using a forged credit card, or using a false identity certificate to defraud

(2) Using an invalid credit card;

(3) Pretending to use another person’s credit card;

(4) Malicious overdraft .

This ends the introduction about which credit card has the highest limit and which credit card has the highest limit. Have you found the information you need?