What is the general limit of a credit card?
Credit card limits are divided into high and low levels. Different credit card levels correspond to different limits. For users who apply for a credit card for the first time, the limit is usually relatively small. , what is the general credit card limit?
The limit of a regular credit card is between 2,000 yuan and 5,000 yuan; the limit of a gold card is between 5,000 yuan and 20,000 yuan; the limit of a platinum card is between 20,000 yuan and 50,000 yuan; The limit of a diamond card is more than 50,000 yuan, and some diamond cards even have a limit of more than 100,000 yuan.
1. Puka. When ordinary users apply for a credit card for the first time, they usually use a regular credit card. When applying for a credit card for the first time, try to choose a local commercial bank because the probability of getting the card is relatively high and the review is more relaxed than the four major state-owned banks. The credit card replacement limit is usually relatively low, generally only between 2,000 yuan and 5,000 yuan. The specific credit card limit can only be determined after applying.
2. Gold card. The level of the gold credit card is higher than that of the ordinary card. At that time, users with credit cards often used credit cards to make purchases and repaid the payments on time. Usually, within three months or about three months of the ordinary card, the bank would upgrade the ordinary credit card, which is the ordinary card upgrade. For gold card. Generally, the limit of a gold credit card is between 5,000 yuan and 20,000 yuan. The regulations of each bank are different, but the difference is not huge.
3. Platinum Card. The limit of a platinum credit card is higher than that of a gold card. Generally, the limit of a platinum credit card is between 20,000 yuan and 50,000 yuan. When a user holds a credit card and repays the gold card on time and the consumption amount is relatively high, the bank system will Upgrading to a platinum card gives cardholders more usage rights and spending limits.
4. Diamond card. Generally, a diamond card is the highest level of credit card. The credit limit of a diamond card is usually more than 50,000 yuan. Some banks will set the diamond card limit to more than 100,000 yuan and upgrade it to a diamond card through a platinum card. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability. You can proactively contact the bank customer service to apply for upgrade.
Is it worth raising a Pudong Development Bank credit card limit of 2,000? If this is the case, you can raise it!
Everyone knows that when applying for a credit card at a bank, the bank will grant a certain credit limit based on the personal qualifications of the card applicant. The better your personal qualifications, the higher the credit limit you can apply for. A cardholder asked: Is it worth keeping a Shanghai Pudong Development Credit Card with a credit limit of 2,000? How to quickly increase the limit of Pudong Development Credit Card?
Is it worth raising a Pudong Development Bank credit card limit of 2,000?
If it is the first time for a cardholder to apply for a credit card, it is normal for the Shanghai Pudong Development Credit Card to grant a credit limit of 2,000. After all, the cardholder’s previous credit record is relatively blank, and the bank cannot determine the cardholder’s credit rating. If the cardholder happens to be young and has just started working, the limit of 2,000 is not low and is sufficient for daily needs.
As long as the cardholder maintains a good credit record and consumption record, the credit card limit will most likely increase after more than 6 months. The limit increase speed of Pudong Development Credit Card has always been relatively fast. Therefore, the Pudong Development Credit Card with a limit of 2,000 is still worth keeping.
However, if the cardholder’s credit standing with Shanghai Pudong Development Bank is damaged, there have been various bad behaviors such as overdue payments, then it will be difficult to increase the limit of a credit card with a limit of 2,000. If the cardholder is not patient enough, they can also choose to apply for a credit card from another bank, and the limit may be higher.
Credit card limit increases are divided into active limit increases and passive limit increases. An active limit increase means that the cardholder actively applies to the bank for a limit increase, while a passive limit increase means that the bank itself increases the limit of the credit card. As long as the conditions for a limit increase are met, the cardholder's initiative to apply for a limit increase is more likely to be successful.
The above is the sharing of relevant content on "Is it worth raising a Shanghai Pudong Development Credit Card limit of 2,000?" I hope it can help everyone!
Is it worth raising a CITIC Credit Card with a limit of 2,000?
If the user’s CITIC Credit Card has better rights, it is worth raising.
Some cards with out-of-print designs or card benefits are better. In fact, you can try to raise the card. After all, you will not be able to apply for it in the future.
Users are in a hurry to spend money, and the benefits of CITIC Credit Card are not eye-catching. If they apply for a new card, the limit will usually exceed 2,000. At this time, they can choose not to keep the card. Therefore, whether to maintain a credit card after reducing the credit card limit mainly depends on the needs of the user. If you keep a card, you should spend as much as possible, making 7 to 10 purchases every month, mostly in supermarkets, restaurants, hotels, gas stations, and booking air and train tickets. Slowly the amount increased.
This concludes the introduction of the 2,000 credit card limit and the 2,000 credit card limit of JD Financial Merchants Credit Card. Have you found the information you need?