My credit card limit is 4,000 yuan. I want to buy something worth 5,000 yuan in the China Merchants Online Mall. Is that okay?

The credit card limit is 4,000 yuan. If you want to buy something worth 5,000 yuan in the China Merchants Online Mall, you can. Just apply for a temporary quota.

1. Applying by calling the bank’s customer service hotline is currently the most commonly used application method. After applying through this method, bank customer service staff can usually increase the credit limit for the cardholder on the spot after verifying the identity.

2. Through online banking, it is generally possible to increase the amount by about 10% on the original basis, but currently there are relatively few people applying through this method. To apply at the bank's credit card department, the cardholder is required to provide proof of assets and other relevant information. The specific amount that can be applied for is not fixed.

3. You can apply through WeChat. After following the official WeChat, click Apply in the chat interface. My credit card limit is 3,000 yuan. I want to buy a 5,000 yuan TV from an online mall. Can I pay in installments?

It should be possible, but before swiping the card, I need to call to apply to increase the credit limit, and then Use your card to make purchases and apply for installments.

Of which 3,000 yuan can be paid in installments, and the remaining 2,000 yuan has to be paid in cash because your card limit is not enough.

I have a China Merchants Credit Card with a limit of 3,000. Now I want to buy something worth 5,000.

Deposit 2,000 and then pay in installments, or pay 2,000 in cash and pay by credit card to pay in installments. However, the maximum installment can only be 3,000 yuan, so the 2,000 will be deducted directly. Temporary credit can generally be paid in installments, please ask customer service. The credit card limit of China Merchants Bank is 3,000 yuan. Can I apply for installment purchases of 5,000 yuan?

Hello, our bank provides interest-free installment business with China Merchants Bank Credit Card, providing customers with interest-free monthly payments. Customers can use our credit card account to pay monthly payments during the repayment period. As long as the product price is repaid in full according to the bill amount before the monthly payment due date, you can enjoy the interest-free period. However, there will be installment handling fees. For specific charging standards and applicable stores, you can log in to our credit card website: .cmbchina./StepShop/ and click "Instalment Payment Shopping" to check. Even if the installment is settled in advance, the handling fee will not be refunded.

If you purchase installment products in the credit card mall through our credit card website, there is no need to pay handling fees. If your credit card can be used normally, the installment limit is your actual available limit. For example: If your current actual available limit is RMB 3,000, the amount of installment transactions that can be processed does not exceed RMB 3,000. If you are unable to apply for installment due to insufficient quota, it is recommended that you adopt the following methods: (1) Apply to increase the fixed quota; (2) Complete the installment transaction by depositing the corresponding amount of money for the insufficient quota (i.e., overpayment installment); This needs to be applied manually. (3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment; (4) After the one-time payment, call to apply for bill installment, but bill installment needs to pay corresponding handling fees. Whether the application is approved will be determined by our bank The comprehensive evaluation results shall prevail.

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search the number "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" "Consultation, thank you for your attention and support to China Merchants Bank!?

? My credit card limit is 3,000, can I purchase a 5,000 product in installments at China Merchants Mall?

Hello, if your credit card can be used normally, the installment limit is your actual available limit. For example: If your current actual available limit is RMB 3,000, the amount of installment transactions that can be processed does not exceed RMB 3,000. The installment limit is your actual available limit. If your current actual available limit is insufficient, you will not be able to conduct the installment transaction temporarily. It is recommended that you apply for an increase in your credit limit and try to apply for installment business again. After successfully applying for installment, the installment amount will all occupy your fixed quota. You only need to repay the single installment amount on time every month. The fixed quota occupied by the single installment amount will be restored after you repay the loan.

My credit card limit is 3,000 yuan. Can I buy something worth 6,000 yuan?

Then I can only overdraft 3,000 yuan unless you deposit 3,000 first. There is still 1,500 left in the China Merchants Credit Card limit. If I want to buy something worth 1,800 yuan, I can.

If the available limit is 1,500, you can only spend within this limit. If the limit is not enough for your current consumption, you can try to increase the temporary limit or the fixed limit. I have a credit card limit of 2,000 and I want to get a loan to buy something worth RMB 10,000.

I have a credit card limit of 2,000 and I want to get a loan to buy something worth RMB 10,000. Is it okay?

The credit card limit, also known as the available credit card limit, refers to the maximum amount that can be used by the credit card you hold. It includes the credit limit (that is, the maximum overdraft limit of the credit card) and the amount deposited into the credit card. Therefore, the limit of 2,000 is the maximum amount that can be used, so you cannot buy things worth 10,000. I just applied for my China Merchants Bank credit card, and the credit limit is 4,000. Can I buy goods worth 6,000 in the online mall?

Hello, no, you need a credit of 6,000 to buy goods worth 6,000 in installments.

If you are unable to apply for installment due to insufficient quota, we recommend the following methods:

(1) Apply to increase the fixed quota;

(2) Limit The insufficient part is completed by depositing the corresponding amount of money to complete the installment transaction (i.e., overpayment installment); this requires manual application.

(3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment;

(4) After one-time payment, call to apply for bill installment, but the bill Corresponding handling fees need to be paid in installments. Whether the application is approved shall be subject to the comprehensive assessment results of our bank.

The second method is recommended.