If you mean China Merchants Bank credit card, it depends on your quota. Generally, there are fixed and temporary quotas.

The fixed amount will generally be further judged according to fixed income, fixed deposits, fixed assets and fixed liabilities. Generally speaking, the fixed amount of Puka is 65,438+0,000-65,438+0,000 yuan, and the fixed amount of Gold Card is 65,438+0,000-50,000 yuan. No matter the gold card or the Puka card, they are generally RMB 3,000-50,000, platinum and diamond credit cards. The unlimited credit card limit is subject to the audit results.

The temporary limit is the result of our comprehensive evaluation with reference to all aspects of your situation, including whether you repay the loan on time, whether you often use our credit card, the type of consumption and the specific situation of consumption. These are the factors we consider. The success of the application depends on the results of system evaluation. You can log in to credit card online banking and click Account Management → Account Limit Management → Temporary Limit Adjustment.

How much can a credit card borrow at most a month?

It is generally 50% of the credit card limit. No matter cash withdrawal or cash installment, only 50% of the money in the card can be lent at most, that is, 10000 yuan, and only 5000 yuan can be lent at most. And decreases as the available quota decreases. Suppose the cardholder's credit card limit is 50,000 yuan, and the maximum loan limit that can be applied for is 25,000 yuan. If you spend 5000 yuan during this period, the loanable amount becomes 22500 yuan.

Of course, it should also be noted that credit card withdrawals are generally limited, but different banks have different limits. For example, China Construction Bank stipulates that cash is withdrawn through UnionPay in China, and the daily overdraft limit of each card in the counter channel is 20,000. The daily overdraft withdrawal limit of each card in ATM channel is 1 10,000.

Credit card repayment time

Although the repayment date of each month is fixed, the repayment date of each bank credit card is different, and the repayment date of each person with the same bank credit card is also different, so the specific repayment date of each person in each month needs to be subject to the regulations of the issuing bank.

You can check your billing date and repayment date through credit card, mail bill, credit card APP, customer service and other channels. For example, the repayment date of China Merchants Bank's credit card is18th day after the bill date. If the cardholder's monthly billing date is 3 days, the monthly repayment date is 2 1 day. If the billing date of another cardholder is 5 days, the repayment date will become 23 days.

How much can I overdraw my credit card?

Credit card overdraft limit refers to the available limit provided by the credit card issuer to the cardholder when shopping with the card. The overdraft limit of different credit cards is also different. For example, the overdraft limit of a general card is generally below 1 1,000 yuan, the overdraft limit of a gold card is generally below 50,000 yuan, and the overdraft limit of a platinum card can reach 1 1,000 yuan and above.

Credit limit refers to the maximum overdraft limit given to the applicant by the bank when approving the credit card. Applicants can only spend credit cards within this limit. If you exceed the quota, you will not spend money by swiping your card frequently or charge a certain fee for the part that exceeds the quota.

If you want to withdraw cash, you need a credit line, that is, the bank gives the applicant a maximum overdraft limit when approving the credit card. Applicants can only spend credit cards within this limit. If you exceed the quota, you will not spend money by swiping your card frequently or charge a certain fee for the part that exceeds the quota.

Overdraft limit division:

Civil servant: 5000 yuan-10000 yuan.

Self-employed (chattel mortgage): 10000 -30000 yuan.

Self-employed (real estate mortgage): 20,000-50,000 yuan.

If you withdraw cash, you need a handling fee, and the interest will be a little higher than that of swiping a card. The overdraft limit is based on the overdraft limit of your credit card. If your overdraft amount is 10000, you can overdraw 10000 yuan. Credit cards on the market now are generally 5 1 day interest-free. But if you withdraw cash, there will be no interest-free statement of 5 1 day.

How to increase the credit card limit?

1, frequently use credit cards to win by swiping the cards. In daily life, credit cards are used wherever you can swipe your card. Regular use will definitely help cardholders to increase their credit limit as soon as possible.

2. Ensure the amount of credit card spending every month. It is best to generate at least 30% of the total credit card consumption records every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.

3. Ensure that the credit card can be repaid in full and on time. This is very important for credit card holders who want to raise the limit. If you can't repay in full and on time, there will be a bad record of credit card repayment, which will not only affect the cardholder's personal credit information, but also greatly extend the time for credit card to increase the credit limit.

4. Enrich the consumption types of credit cards. Different consumption types will reflect cardholders' different consumption concepts and spending power, and will also affect the progress of credit card promotion to some extent. Within the scope of our power, we will increase the opportunities for large-scale credit card spending to promote the credit card limit as soon as possible.

5. Increase the number of applications for using temporary credit card limit. The repeated application and use of the temporary credit card limit also shows the urgent desire of credit card holders to increase the credit card limit, and can also speed up the process of increasing the credit card limit.

6. Actively apply for increasing the credit limit of credit cards. We can actively express the urgent hope of improving the credit limit of credit cards to banks through various channels, and actively provide relevant asset certification documents and relevant vouchers for the continuous improvement of their consumption power, so as to accumulate more favorable evidence for banks in system evaluation and improve the credit limit of credit cards as soon as possible.

This concludes the introduction of how much credit cards can be overdrawn every month and how many credit cards can be used in overdraft card every day. I wonder if you have found the information you need?