Is the limit of China Merchants Premium Platinum Installment Credit Card independent?

Everyone knows that all China Merchants Bank credit cards are entitled to the same quota, but there are exceptions for certain credit cards, such as this China Merchants Premium Credit Card. Shang Platinum Installment Credit Card has an independent limit, which means that the installment will not occupy your fixed limit like other banks. Let’s take a look at it together.

China Merchants Premium Platinum Installment Credit Card, also called China Merchants Bank Installment White, its information has been clearly introduced on the official website of China Merchants Bank, so I will briefly describe it:

1. The card The main feature is the installment function. The cardholder's monthly bill consumption of more than 300 yuan will be automatically installmentd. The number of installments is mainly selected by the cardholder and can be changed every six months.

2. The card has an independent credit limit, with a minimum of RMB 60,000 and a maximum of RMB 300,000. It can be used separately from other personal credit cards of China Merchants Bank.

3. When repaying, the card provides independent bills and requires separate repayment. If you choose to use the "One Card Automatic Repayment" function, you need to set up a separate One Card account for automatic deduction for the platinum installment account.

Some cardholders said that when they applied for the card, they found that its limit was the same as that of the gold card. They did not see any differences. This was because you did not find the right method. If you see that the available limit is the same as that of the gold card account, you can call the China Merchants Bank credit card service hotline and ask customer service to help reapply for the temporary limit, and then the limit will become independent.

Card Friend Examples

Regarding the issue of independent Platinum Installment Card limit, in my case, the card was approved for 60,000. At the beginning, it was the same as the original account. After calling customer service for consultation, the customer service Go to the backend and open the limits of the two cards independently. The gold card's limit of 50,000 is temporarily increased to 125,000, and the platinum installment of 60,000 does not affect each other. No. 16 card, after the card arrives, there is no problem when swiping the card and it is still independent.

China Merchants Premium Platinum Installment Credit Card

(Maximum credit limit of RMB 300,000; Automatic installment of consumption summary, double points for the installment amount; exclusive platinum benefits)

Is CITIC e-second installment an independent quota?

Yes.

The independent credit limit of a credit card refers to the maximum credit limit that is approved by the card-issuing bank based on the applicant's credit status and can be used repeatedly within the validity period of the card.

The independent credit limit for credit cards has the following two situations: if the applicant applies repeatedly, the independent limit will lead to a lower credit limit from the bank, or if the applicant re-applies for a long-term credit card limit, the bank will adjust it. The independent credit limit of a credit card refers to a comprehensive assessment by the bank based on the information provided by the user when the user applies for a credit card. Under normal circumstances, everyone's credit limit is different. The specific situation must be analyzed in detail. The bank will make a comprehensive assessment based on the information submitted by the user. Come to the comprehensive score

Does a single credit card account account for the limit?

If a single credit card account accounts for the limit, the occupied limit is 3 shares of your total cash limit. The excess will not occupy the limit. It will occupy the limit. The purpose of the limit is to make the collected bills more detailed

Is the ICBC Happy Installment Credit Card an independent limit?

The ICBC Happy Installment Credit Card is not an independent limit. Its limit is the same as the limit of other credit cards. Or enjoy the e-loan limit. However, according to user feedback, although the credit limit will be unlimited, the card limit will be higher than that of ordinary credit cards. The highlights of this card include points earned through WeChat and JD.com payments, which can be used to offset cash, and the installment period can be up to 8 years.

In addition, if the card is repaid in installments in advance, liquidated damages are waived, while other credit cards generally charge them.

What credit card limit is not *enjoyable? There are ways to increase the limit

Many bank credit card limits are exclusive. No matter how many cards you apply for, the one with the highest limit will prevail. However, there are also individual credit card limits that are independent. The limit will not be used in conjunction with other credit cards. So, what are these types of credit cards? Let’s take a look.

What credit card limit is not *enjoyable?

In many banks’ personal credit card accounts, all credit cards have a shared limit. Unless the credit card has a separate account, it will not be shared with the personal account limit. However, there are still relatively few credit cards with independent limits. of.

For example, ICBC’s international credit card limit is not exclusive, and there is also inexclusive sharing between RMB credit cards starting with 4 and RMB credit cards starting with 6; Ping An Bank’s RT-Mart The card limit is independent, China Merchants Bank's platinum installment card; and most co-branded cards, the most typical one is the Meituan co-branded card, no matter which bank it is, it has an independent limit.

Many people are worried about the limit limit, and still want to increase the available limit of their credit cards. In fact, this does not necessarily require multiple credit cards to achieve this. You should know that a credit card can have two limits at the same time, one is a fixed limit given by the bank, and the other is a special limit, and they are independent of each other.

Chinese Merchants Bank cardholders can have their own credit card limit, and also have the opportunity to obtain an e-loan limit, which increases the total available limit. However, special quotas are difficult to obtain. Banks usually adopt an invitation system, and only high-quality cardholders have the opportunity to obtain them.

The last thing to remind is that no matter whether the credit card limit is independent or shared, everyone should not blindly pursue a high limit, as long as it can meet your consumption needs, and you must consume within your ability, otherwise There will be a credit crisis.

Which credit card limits are *entitled and which are not*

1. International credit card limits are not *entitled, and the limits of RMB accounts and foreign currency accounts are also independent;

2. All RMB quasi-credit cards (45806, 53098, 62221) have unlimited quotas;

3. Non-UnionPay standard cards’ RMB credit cards (45181) have unlimited quotas ***Enjoy;

4. UnionPay standard card (such as Zhu Card) RMB credit card (62223) limit ***enjoy;

5. RMB loans starting with 4 There is no guarantee between debit card and RMB credit card with the prefix 6.

When the same customer has multiple credit cards at ICBC, each card usually has an independent credit limit, and the consumption or deposit of one card will not affect the available credit limit of other cards. The limit between multiple international cards can usually be adjusted through 95588 manual service. The limit cannot usually be adjusted between RMB cards and international cards.

The limits of multiple ICBC international cards of a cardholder are independent of each other. The RMB limit and foreign currency limit of an ICBC international card are also independent of each other. When the RMB limit is used up, the foreign currency limit It is still there; similarly, if the foreign currency quota is used up, the RMB quota is still there. In some cases, foreign currency accounts will be used for billing and foreign currency quotas will be used when swiping cards in mainland China.