We know that the source of income of the applicant is an important reference factor for the bank to decide the credit card limit. So what is the credit card limit? Is the higher the salary, the higher the credit card limit will be? Be alert. Let's talk about the relationship between credit card limit and salary first.
According to the experience of many cardholders, the credit card limit will be about 2 or 3 times the applicant's monthly salary. For example, a cardholder's monthly salary is 5000 yuan, so he is likely to extend to a credit card with a credit limit of 10000 yuan or 15000 yuan.
There is also a saying that the credit card amount is salary: in the case of stable card friends, the approval of the first card is generally about 20% of the annual income. For example, card friends with a monthly salary of about 5,000 yuan can get a quota of about15,000-20,000.
Of course, these are just some card friends' experiences. In fact, the relationship between credit card limit and salary is not as close as we thought, and the credit limit issued by banks will be affected by many aspects:
If the applicant's monthly income is paid in the form of a salary card, you can check the bank flow, there is no bad credit record, and it is not difficult to apply for a credit card with a quota exceeding 10000; However, if the monthly salary payment time is unstable, or direct cash payment is not conducive to the application.
If cardholders choose the four major state-owned banks, the credit card limit they can get is generally very low. Cardholders with a monthly salary of about 5,000 yuan can only apply for cards with a quota of 1 10,000 yuan, while commercial banks can get a higher quota.
Seeing this, I believe that card friends have made their own judgments on the credit card limit. I suggest that if you want to apply for a high credit card, you'd better provide sufficient application materials to the bank when applying for a credit card.
What is the credit card limit with a monthly income of 10 thousand yuan?
If it refers to China Merchants Bank credit card, make a comprehensive evaluation according to the information attached to your application and your specific situation. Please refer to the audit results for the specific amount. The starting point of the credit line (fixed line) of our credit card is RMB11,000 yuan or equivalent, and the upper limit is RMB 50,000 yuan or equivalent. Under normal circumstances, the fixed amount of Puka is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of Gold Card is 1 1,000 yuan-50,000 yuan. Generally speaking, the amount of a platinum card is a fixed amount of 50,000 yuan plus a temporary amount that is voluntarily adjusted for you every month. At this time, you can use the sum of the two parts for credit card consumption.
How many credit cards can I get from the Bank of China for the punch-in salary 15000?
Bank of China will determine whether it meets the requirements and credit limit according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card. Finally, please refer to the actual approval results. General credit card limits range from 0 to 2 million yuan.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
How many credit cards can I get with a monthly salary of 10 thousand yuan?
The credit card limit of China Merchants Bank is 3000- 1 10,000 yuan, and the gold card limit is 1 10,000-50,000 yuan. According to the information submitted by the customer, the customer's credit card fixed limit is comprehensively evaluated, and the final audit result shall prevail. (Multiple credit cards under the same account name share the same limit)
If you meet the requirements of China Merchants Bank's credit card application, you can try to apply. The most important condition for applying for China Merchants Bank Credit Card is 18-60 years old (25-60 years old for foreigners), with certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. If you are interested in CMB credit card and have never held our credit card, you can apply in the following four ways: 1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer"; 2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person; 3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application. 4. If you have applied for the professional version of our online banking, you can apply through the professional version. Remind you that credit card verification is subject to the final audit result.
How many credit cards can I get for a salary certificate with a monthly salary of 10 thousand
The salary certificate with a monthly salary of 10,000 yuan shall be subject to the bank's audit results. To apply for a credit card, you must provide an ID card, be 18 years old, have a stable income source, and the credit card amount is related to the income level of the cardholder. The higher the income, the higher the amount.
I. Processing conditions:
1, age 18-65 years old, with civil capacity.
2. Have a stable income and provide proof of income.
3, personal credit should be good, no bad record.
Whether you can successfully apply for a credit card is also related to your occupation.
Generally speaking, a stable job is a necessary condition for successfully applying for a credit card.
6. Foreign and overseas personnel and officers in active service should issue temporary accounts issued by local public security departments or certificates issued by relevant departments, and provide guarantee units with guarantee conditions or guarantors with local accounts and working in the local area.
Two. Information required for credit card processing:
1, identification materials;
2. Proof of work and income;
3. Proof of financial resources;
4, academic titles, professional qualification certificates, own real estate license, own car driving license and other auxiliary materials.
Third, the handling process:
1, apply for an appointment online;
2. Three to five working days after the appointment, a staff member will come to contact and collect information;
3. It takes about 7 to 10 working days for the banking system to review personal information and call back;
4. If approved, the credit card will be sent in about 10 working days.
This concludes the introduction of monthly salary 10000 credit card limit and 1000 credit card limit. I wonder if you have found the information you need?