Credit card credit limit usually refers to, in addition to the credit limit of the credit card itself, there is often an off-card installment consumption limit. For a simple example, your credit card limit is 10,000 yuan. After you use up the 10,000 yuan credit limit, you can still apply for installments for goods beyond the limit. This limit is set to meet the needs of cardholders for large-amount consumption installment business to the greatest extent. Different banks have different standards for specifying installment limits. Cardholders can call the bank's customer service hotline to inquire about their credit limit before making installment payments.

It should be reminded that some banks have combined the two limits in order to strictly limit the problem of cashing out on credit cards. If you plan to use it, it's best to call the bank's customer service to inquire clearly to avoid being unable to use it. If you are a group of college students, it is relatively simple. You can directly search for Huofan on WeChat or scan the QR code in the picture to apply for up to RMB 10,000, which is much more convenient than a credit card.