1. Credit card limit, also known as credit card available limit, refers to the maximum amount you can use a credit card, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card.
2. The available credit line is comprehensively judged by the user's spending power and repayment status. With good credit and timely repayment, banks will naturally increase the credit limit and encourage users to spend.
3. The calculation method of credit card available limit is: available limit = credit limit approved by the bank-unpaid bill debt-unrecorded but occurred transaction amount-other related interests and expenses.
4. Unpaid recorded amount refers to the amount of credit card transactions that have been booked but not returned; Cumulative used unrecorded amount refers to the amount of credit card transactions that have occurred but have not been accounted for; Other related interests and expenses refer to interest such as cash withdrawal or installment payment.
Credit card application
1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
3. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks.
4. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information.
6. Submit copies of certain certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
7. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, submit a statement on the authenticity of the information, and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.