What is the minimum limit for a China Merchants Bank credit card?

If it refers to China Merchants Bank credit card, under normal circumstances, the fixed limit range of regular card is ￥1,000-￥10,000 yuan, and the fixed limit range of gold card is ￥10,000-￥50,000 yuan. Cards divided into gold cards and regular cards generally have a limit of 3,000-50,000. The specific limit is subject to the audit results. It is not ruled out that regular cards have a gold card limit.

What is the minimum starting limit for a China Merchants Bank credit card?

The minimum limit for a China Merchants Bank credit card is 1,000 yuan.

When applying for a credit card for the first time, the limit will be subject to the approval result. The general situation is: the limit of regular cards is between 1,000 yuan and 10,000 yuan; the limit of gold cards is between 10,000 and 50,000 yuan; the limit of platinum cards/high-end cards starts at 60,000 yuan. In addition, applicants can increase their limit by swiping their cards frequently, repaying loans on time, purchasing installment financial products, and providing more asset certificates to the bank.

Tips for increasing your credit card limit

1. Continuous and frequent credit card consumption

Persistence means that after you have a credit card, you must insist on long-term credit card consumption, preferably continuously. For more than three months, the credit card consumption limit will be generated every month. Do not use it for a period of time and then freeze it for a long period of time.

Frequency means to swipe your card wherever you can, no matter how big or small the amount is. The more times and merchants you use, the better. If you swipe your card all at once, it will be easy for the bank to think you are suspicious. , it is difficult to raise the quota.

2. Pay attention to the amount of credit card swiping and the temporary limit increase

Pay attention to the amount of credit card swipe and make full use of the temporary limit increase.

3. Persist in applying and seize the opportunity to apply

Persist in applying and seize the opportunity to apply, a two-pronged approach. For credit card users, you can insist on using the phone to apply for increasing the credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe they failed the previous one but passed the next time, and Keeping a record of your phone application will also help you apply for a quota increase in the future.

4. Use the threat of card cancellation or sleep suspension

Use the threat of card cancellation or sleep suspension. After you have made multiple applications and been rejected, you can consider using this trick. Just tell the bank's customer service or staff directly. If the credit card limit cannot meet the actual needs, they will consider canceling the card. It is best to show some In fact, of course, the attitude should not be too bad. It is best to be soft but hard, so that you can easily gain room for negotiation and maneuvering.

Use attention skills

Repay in full to avoid recurring interest

Although banks emphasize the interest-free period when popularizing credit cards, most Some people are not very clear about the rules of the interest-free period, and thus spend a lot of money in vain. For example, during the Spring Festival, Xiao Zhang paid 4,000 yuan with a credit card to buy a new mobile phone. When the repayment was made, there was only 3,999.7 yuan in his account. After the bank debited the money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = interest rate on the remaining outstanding amount of the day). It is recommended that everyone repay the loan in full to avoid greater losses.

Temporarily increase your credit limit to avoid maxing out your credit card

In fact, every credit card has a hidden over-limit limit. When you max out your credit card, it is easy to use the over-limit limit. , and once you use the over-limit limit, it means you have to pay a high over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

What is the general credit limit of China Merchants Bank?

1. What is the general credit limit of China Merchants Bank?

Generally, the credit card limit of China Merchants Bank is related to the card level. The limits are: 1. Regular card limit is between 1,000 yuan and 10,000 yuan; 2. Gold card limit is between 10,000 yuan and 50,000 yuan. between; 3. The limit of Platinum Card is more than 50,000 yuan. China Merchants Bank prefers users with a high credit card usage rate, so if you want to increase your credit card limit, you must ensure that you use the card frequently. It is best to have a monthly consumption limit of 80% of the total card limit. However, it should be noted that you should never completely empty your credit card in one go. Even if the limit is only a few thousand yuan, you should try to avoid this situation.

2. Don’t waste money with nothing

The empty limit cannot often appear in integer values, such as 5000, 2000, etc. This is quite different from the normal consumption limit. After all, most of the current products are sold with fractions. This amount of consumption can easily be regarded as cashing out by the bank. Not only will there be no hope of raising the amount, but it will also easily lead to the risk control of the card. Although many credit cards now support binding to online consumption channels such as Alipay, not all cards can enjoy points for online consumption, and banks will prefer consumption with points, so you have to make a decision based on the actual situation of your card.

3. The limit increase of China Merchants Bank credit card is mainly closely related to everyone’s card use.

Because banks will judge the current personal qualifications of cardholders based on their daily consumption behavior, especially their wealth capabilities, which is the focus of their attention. If you want to know whether your card swiping behavior meets the requirements of China Merchants Bank, you can use the card evaluation to test it. This is a professional credit card testing platform. The testing reports provided internally are completely based on the risk control systems of benchmark banks, and it is connected to a number of large data institutions to ensure the accuracy of the analysis results provided. Therefore, with the help of card reviews, you can improve your credit card limit increase success rate. If you need to apply again, you can also check the estimated credit limit through card evaluation to help you avoid wasting the number of credit inquiries.

What is the minimum limit of China Merchants Bank’s Gold Card?

The minimum limit of China Merchants Bank’s Gold Card is 10,000 yuan, and the general limit is between 10,000 and 50,000 yuan. Each gold card holder has a different credit limit. The bank system will conduct a multi-dimensional assessment and then grant a credit limit based on the user's asset holding level, repayment ability, job stability and other conveniences. The better the qualifications, the higher the approval quota.

That’s it for the introduction of the minimum limit of China Merchants Credit Card.