What is the credit card limit
There are high and low credit card limits, and different credit card levels correspond to different credit cards. For users who apply for a credit card for the first time, the credit card limit is usually relatively small. What is the credit card limit?
the credit card limit is between 2, yuan and 5, yuan; The amount of gold card is between 5, yuan and 2, yuan; The amount of platinum card is between 2, yuan and 5, yuan; The amount of diamond cards is more than 5 thousand yuan, and some diamond cards are even more than 1 thousand yuan.
1. Puka. Ordinary users apply for a credit card for the first time, which is usually a general credit card. When applying for a credit card for the first time, they should try to choose a local commercial bank, because the probability of getting a card is relatively high, and the review is more relaxed than that of the four major state-owned banks. The amount of credit card replacement is usually low, generally only between 2 yuan and 5 yuan, and the specific credit card amount can only be determined after application.
2. Gold card. At that time, users with credit cards often used credit cards to spend money and repay on time. Usually, in three months or so, banks will upgrade ordinary credit cards, that is, Puka will be upgraded to a gold card. Generally, the amount of credit card gold card is between 5, yuan and 2, yuan, and the regulations of each bank are different, but the difference is not great.
3. Platinum card. The amount of credit card platinum card is higher than that of gold card. Generally, the amount of credit card platinum card is between 2, yuan and 5, yuan. When the user holds a credit card and the gold card repays on time, and the consumption amount is relatively high, the banking system will upgrade the credit card to platinum card, giving the cardholder more access and consumption amount.
4. diamond card. Generally, diamond cards are the highest level of credit cards. The credit limit of diamond cards is usually more than 5, yuan. Some banks will set the credit limit of diamond cards at more than 1, yuan and upgrade them to diamond cards through platinum cards. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability, and you can take the initiative to contact the bank customer service to apply for upgrading.
What is the limit of a credit card?
1. It is possible to get a credit card with a limit of 1, to 1, yuan, a gold card with a limit of 1, to 5, yuan and a platinum card with a limit of more than 5, yuan. The limit is influenced by many factors, and the regulations of each bank are different. How much you get depends on your personal credit record, whether there are other bank credit cards, whether the credit card use record is good, the work certificate and financial certificate submitted when applying for a credit card, as well as your age and education.
2. The annual fee-free amount of Platinum Card is high!
3. Generally, the credit card application is successful for the first time. The credit card quota is between 3, and 1, yuan, and the gold card quota is between 1, and 5, yuan (depending on different bank regulations). The initial credit card limit for a customer is comprehensively evaluated according to the application materials submitted by the customer, and the final audit result shall prevail. How much you get depends on how you apply and the information provided when you apply. For example, the amount of online application is different from that of online application. Whether ICBC deposits or not, whether it has real estate and car social security, work unit, job position, age, marriage and so on will all affect the amount of card approval.
4. Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card, which includes the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card. The amount of any credit card depends on the effective income and asset guarantee value provided by the individual in the application process.