refers to the amount that the lender can borrow from the borrower without providing property guarantee. Usually, it means that a natural person borrows from a bank, and the bank is willing to provide the maximum amount of loan according to the individual's credit status. This amount will be unilaterally determined by the bank because of income, revenue, debt ratio, job content, company, company position, property and other conditions. This kind of lending relationship is usually the case that banks lend money to natural persons. On the other hand, bank lending to organizations is usually a necessary business behavior for commercial organizations and transnational exchanges.
credit card limit
relationship limit: if ICBC has more than two credit card users, it actually has a higher credit card limit, and the credit card with lower credit limit is actually using a higher credit card limit. If the credit card with lower credit limit is swiped, not only the credit card with lower credit limit will be deducted, but also the credit card with higher credit limit will be deducted accordingly.
China Industrial and Commercial Bank generally informs the card limit, but due to the influence of the relationship limit, the actual cardholder can't use the card limit, so the relationship limit. For example, ICBC has two cards for cardholders, one with a quota of 3, yuan and the other with a quota of 1, yuan. After the cardholder spends 3, yuan on the card with a quota of 3, yuan, the card only has a quota of yuan, and the other card with a quota of 1, yuan is also reduced with a quota of 3, yuan, leaving a quota of 7, yuan. This is the so-called relationship limit.
*** credit line: that is, the credit card holder has applied for several credit cards of a bank, and the credit lines of these credit cards are enjoyed by * * *. If the cardholder swipes one of the credit cards to spend money, the credit line of the other * * * credit line will be reduced accordingly.
Relationship account: China Industrial and Commercial Bank has a total credit line for credit card holders, and the accounts within the total credit line are set to be linked together, so all credit card accounts of card holders are called linked accounts. After an account is associated, it is called an associated account, also called a relationship account.