1. The line refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual. This amount will be determined unilaterally by the bank because of income, income, debt ratio, work content, company, company position, property and so on. This kind of lending relationship is usually that banks lend money to natural persons. On the other hand, it is usually necessary for commercial organizations and transnational exchanges to lend money to organizations.
2. Relationship limit: If ICBC has more than two credit card users, it actually uses a higher credit card limit, and the credit card with a lower credit limit actually uses a higher credit card limit. If you swipe a credit card with a lower credit limit, not only the credit card with a lower credit limit will be deducted, but also the credit card with a higher credit limit will be deducted accordingly.
3. ICBC will generally inform the card limit, but due to the influence of the relationship limit, the actual cardholder cannot use the card limit, so the relationship limit. For example, ICBC has two cardholders' cards, one with a quota of 3,000 yuan and the other with a quota of 10000 yuan. After the cardholder spends 3,000 yuan on a card with a limit of 3,000 yuan, the card only has a limit of 0 yuan, and another card with a limit of 10000 yuan has also been reduced by 3,000 yuan, leaving a limit of 7,000 yuan. This is the so-called relationship limit.
4. At present, the main advantage of the bank receipt code is that the funds are paid directly to the customer's bank account, which can save the current handling fee. For some merchants with higher income, the handling fee is a considerable fee. Disadvantages: Some bank collection codes can't realize the real-time receipt of funds, and it needs to be received the next day after settlement on the same day. It is inevitable that some problems will make people have some headaches.