For most people, the first credit card amount is generally below 10000 yuan. If users feel that the credit limit is relatively low, they can increase the credit card limit by continuing to use it later. Usually, a new card must be used for 6 months before it can apply for increasing the fixed quota, but it can apply for a temporary quota after 3 months.

If users want to get a higher quota in the first place, they need to submit better financial proof. Only when the bank knows your repayment ability will the bank approve a higher amount for you. The financial proof here includes real estate information, driving license, provident fund and so on.

The user's application channel will also affect the credit card limit. Generally, you can get a higher quota when you apply at the bank counter, and a lower quota when you apply at the bank of official website. However, you can get a credit card more quickly by applying in official website Bank, which is especially suitable for users who need it urgently.

It usually takes 20 working days for users to apply for a credit card. When users get a new credit card, they should know its basic information, such as annual fee, billing date, repayment date, overdue interest and so on. , which can make cardholders use credit cards better. When activating the credit card, you need to set the inquiry password and transaction password. These two passwords must not be confused when setting.

What is the credit card limit for newcomers?

Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan. Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits.

The credit limit includes the overall credit limit and the credit limit of a specific customer.

1. Total credit line refers to the total scale of credit sales made according to its own situation and external environment, which is used to guide and control daily credit sales decisions.

2. The specific credit limit refers to the maximum amount of goods that customers can buy on credit within a certain period stipulated by the enterprise.

The credit line represents the tolerable risk of credit sales and bad debts undertaken by enterprises to customers. Too low credit limit will affect the sales scale of enterprises, increase transaction frequency and transaction cost; Excessive credit line will increase the collection cost and bad debt risk of enterprises.

Methods of increasing credit limit

1. Fully prepare all kinds of asset certificates. At the beginning of the application, because you don't have any consumer credit records in the bank, the bank will evaluate your various income assets and then decide how much credit line to give you. If you want to greatly increase the credit limit when applying, you should carefully prepare all kinds of credit certificates, and don't bother. You should submit all income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates to the bank.

Fill in the details of the form carefully. When filling out the application form, there are several small details that affect the credit line, such as whether you have a fixed telephone number in this city, whether this number is registered in your own name or in the name of your family, whether you are married, whether your mobile phone number has a monthly rent, and whether it is a local account. If the above answers are yes, the bank will greatly increase your credit evaluation, but every condition is not absolute, except that it is relatively easy to pass the qualification examination and the initial application for increasing the consumption limit. Consumer credit and repayment credit are still the most important for banks.

Don't forget to swipe your card anytime and anywhere. During the period of using the card, you should swipe your card more. Try to choose a shop that swipes your card. The more frequently you use it, there will be a relatively stable consumption quota every month, just changing the original habit of cash consumption to credit card. This shows your loyalty to the bank. The bank's information system will count your credit card frequency and limit, and will automatically increase your credit limit in about half a year.

4. Repay on time and maintain good credit.

You can borrow money if you owe it. Banks also strictly follow this old truth. If you don't repay on time, you will definitely have no credit. You'd better pay in full, not just the minimum payment. Cyclical interest will make you unbearable.

5. Take the initiative to apply for increasing the credit limit.

After the normal use of the credit card for half a year, you can actively submit a written application or adjust the credit line through the service phone, which requires bank approval. Under normal circumstances, after reviewing the consumption records and credit records, your credit limit will be improved to some extent.

What is the first credit card limit?

Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan. Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits.

When an applicant applies for a credit card at the bank counter, the more income, property and other materials to prove repayment ability, the better the credit record, and the higher the credit card overdraft limit.

There are three ways to increase the quota.

Bankers in the city said that there are three ways to increase the overdraft limit for citizens with low credit card limit.

1, increase the frequency of card swiping. Cardholders should try to use credit cards in their daily consumption. After several months of continuous consumption, you can take the initiative to apply to the bank, and the bank will decide whether it is necessary and possible to increase the quota according to the cardholder's consumption record.

2. Repay in full and on time. Interest payment outside the interest-free period due to untimely repayment should be avoided, otherwise it will not only be conducive to improving the credit limit, but also may cause a stain on the credit record.

3. After obtaining a credit card, you can take the initiative to provide the bank with proof of asset income. The more detailed the certification materials provided, the higher the credit line approved by the bank may be.

1. China Merchants Bank: The probability of a large amount of China Merchants Bank is relatively high. If it is the first time to apply for China Merchants Bank's credit card, as long as the information is complete, you can basically get a limit of 5000- 10000.

2. Bank of Communications: The threshold for Bank of Communications to apply for a card will be relatively low, so the probability of a large amount is also relatively high. As long as your information is complete and not dark, you can basically take off your card. The initial card issuance of Bank of Communications will be around 5,000 yuan.

3. Shanghai Pudong Development Bank: Shanghai Pudong Development Bank pays more attention to personal comprehensive credit score, so a good credit record is the key to the application.

4. Guangfa Bank: Platinum cards are relatively easy to approve. If you are lucky, you can get a quota of 5-65438+ 10,000.

5. China Everbright Bank: The success rate of large-value card approval of China Everbright Bank may be relatively low, but it is quite easy to raise the amount, and the temporary quota is also very high.

I've been using the card for some time, but the limit hasn't increased. Then there may be something wrong with their consumption habits. Many banks will have their own consumption preferences. For example, Bank of China likes to spend a lot in nightclubs and spas, while Bank of Communications likes users to spend a little, and the bills are not in installments.

If you have used your credit card for a period of time and haven't raised the amount, you can go to the WeChat homepage to search: Card Quick Check, inquire about your consumption behavior habits in the past six months, check your consumption behavior habits in the past six months, check your withdrawal probability, make improvements according to the suggestions given in the graphic comprehensive report, and use the bank's preferred consumption for credit card consumption, which can effectively avoid lowering the amount or blocking the card. Withdrawal is just around the corner!

How much is the credit card for the first time?

Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan. Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits.

When an applicant applies for a credit card at the bank counter, the more income, property and other materials to prove repayment ability, the better the credit record, and the higher the credit card overdraft limit. It is very convenient to apply for a card online, but because it is impossible to provide relevant materials to the bank online, the credit card overdraft limit will eventually be very low.

At work, you may often meet bank staff to sell credit cards at home. Many banks claim that their credit cards have high quotas and fast cash withdrawals, but these are all deceptive. Generally speaking, the amount of credit card for the first time will not be too high. The bank will determine the amount according to the cardholder's salary and income level. If the monthly salary of the cardholder is X, the limit is basically 1 times -2 times, that is, between X and X-2X.

On the one hand, banks will be more cautious about first-time credit card users.

Because the bank will inquire about the credit report when handling the credit card, but the credit report of the cardholder who has not handled the record is blank, and the bank does not know the cardholder's performance record and credit rating, so it will be more cautious, mainly taking the monthly salary income as a reference.

On the other hand, if you want to increase the approval amount of the initial card, it is recommended to provide more asset certificates, income streams and consumption lists to prove that you have consumer demand and repayment ability. The bank will also re-evaluate according to the information provided by us, and if it meets the requirements, we can increase the quota.

Extended data:

There are three ways to increase the quota.

Bankers in the city said that there are three ways to increase the overdraft limit for citizens with low credit card limit.

1, increase the frequency of card swiping. Cardholders should try to use credit cards in their daily consumption. After several months of continuous consumption, you can take the initiative to apply to the bank, and the bank will decide whether it is necessary and possible to increase the quota according to the cardholder's consumption record.

2. Repay in full and on time. Interest payment outside the interest-free period due to untimely repayment should be avoided, otherwise it will not only be conducive to improving the credit limit, but also may cause a stain on the credit record.

3. After obtaining a credit card, you can take the initiative to provide proof of asset income to the bank. The more detailed the certification materials provided, the higher the credit line approved by the bank may be.

This is the introduction of the first credit card limit and the end of the first credit card limit of 80 thousand. I wonder if you found the information you need from it?