What is the limit for applying for a credit card online? Is the credit limit high when applying online?

With the development of Internet technology, many people choose to apply online for credit cards, which is convenient and fast. However, many cardholders say that in terms of credit card limit, there is no advantage in applying for a credit card online. Is this really the case? Today I will introduce to you, what is the credit limit when applying online? Is the credit limit high when applying online?

Applying for a credit card online, as the name suggests, means completing the entire credit card application process purely online, without providing additional supporting documents.

For credit card novices, the credit card limit applied online is generally relatively low. The bank card limit is generally around 3,000 yuan, and no matter how good the credit conditions are, it is difficult to exceed 20,000 yuan. However, if you hold a high-limit credit card from another bank, or are a VIP customer of the card-issuing bank, then even if you apply for a credit card online, the limit may be more than 50,000.

In addition, please note that there are many ways to apply for a credit card online, such as the bank’s official online application channel, WeChat, Alipay, QQ and other third-party card application platforms. In order to successfully apply for a card, you must choose a formal and reliable card application platform. Those unknown card application platforms that pretend to "only need an ID card to apply for a large credit card online" should not be credulous.

What is the general credit limit when applying online? Here is the reason for the low credit limit

Many people apply online for credit cards because it is convenient and fast, and more importantly, they have the opportunity to be approved in seconds. However, the card limit disappoints cardholders. . So, what is the general limit for online credit card applications in 2018? Why is the limit so low?

2018 Online Credit Card Application Limit

As the competition in the credit card market becomes more and more fierce, the threshold for credit card application has also been lowered a lot. As long as your credit report is not bad, you have a chance to apply for a credit card. card, but the amount of the card is still closely related to the qualifications of the applicant.

The limit of a credit card applied online is generally lower than that of an offline application. For a white credit card user to apply online for the first time, the limit is generally between 3,000 yuan and 8,000 yuan. Even if you apply for a gold card or platinum card, the limit is still Not too high.

Reasons for low credit card limits when applying online

1. The supporting materials submitted are insufficient. You only need to fill in the basic card application information when applying online, and additional financial proof cannot be submitted. Therefore, the bank The applicant's financial strength is not well understood enough, and the credit limit is not high;

2. When applying for a credit card online, the bank directly transmits the information filled in by the applicant to the credit card center. The review is relatively loose and the process is not streamlined. It is complicated, and in order to prevent and control risks, there will be reservations in the credit limit;

3. Some cardholders do not pay attention to the skills when applying for credit cards online. Missing or incorrectly filling in information will affect the bank's credit limit.

These are the key tips for applying for a credit card online in 2018

The limit for applying for a credit card online in 2018 is generally not too high. It is recommended that you use the card well and increase the limit slowly. It can also be very good. To fully meet the needs of credit card overdraft consumption and profiteering, you must not cancel the card easily.

What is the general limit for a credit card (debit card) applied online?

The credit card (debit card) limit applied online is generally 1,000-10,000 yuan. The specific amount is subject to the application result.

Bank credit cards (credit cards) are generally divided into regular cards, gold cards and platinum cards according to the card level. The limit of a regular card is generally between 1,000-10,000 yuan, the limit of a gold card is generally between 10,000-50,000 yuan, and the limit of a platinum card is generally between 50,000-5,000,000 yuan.

The credit limit of a bank credit card (debit card) is the credit limit given by the customer through various evaluations. The evaluation items include: work, credit record, education level and asset status, etc. The better the evaluation item, the higher the credit card (credit card) limit.

That’s it for the introduction of how to apply for a high credit card online.