The amount of an ordinary personal card of China Merchants Bank is generally between 1 1,000 yuan and 50,000 yuan. Students are generally below 5000 yuan.
For people with fixed income, the employees of financial institutions such as civil servants or large banks have the highest relative quota. The size of the company and the position of the individual also have great influence. Account type will also have an impact. The biggest influence is usually personal income (that is, solvency, including asset status, historical credit records, etc. ).
It is possible that the credit limit of a general card is 1000- 10000. There are many factors in the level of credit limit, and the standards of each bank are different, depending on your personal credit.
Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only use your credit card within this limit. If you exceed this limit, you can't use your credit card.
The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.
The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.
How much is the credit card?
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)
Application conditions
(1) China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan have reached the age of 18, have full capacity for civil conduct, and have good credit standing. They can apply for personal credit card master cards with their valid identity documents.
Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.
(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in domestic financial institutions can apply for business cards from card issuers with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (foreign exchange settlement accounts are also required to apply for international business cards).
The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.
(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use the relevant materials.
(4) According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, and determines the way and type of obtaining the card, the credit line granted to the applicant, etc. Failed application materials will not be returned.
(5) The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).
(6) After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.
What is the credit card limit?
Regarding the credit card limit, different card types and credit limits will be different. Credit cards can generally be divided into three grades: general card, gold card and platinum card:
Among them, the amount of Puka is generally below 10 thousand, and most of them are only a few thousand; The amount of gold cards generally ranges from 1 10,000 to 50,000; The minimum payment for a platinum card is generally 50,000, and some can reach hundreds of thousands or even hundreds of thousands. Higher-end cards can even have a quota of millions, while top foreign black cards have no quota limit (domestic black cards have the most10 million).
In addition, we need to note that the credit rating of customers will also be taken into account in the bank's approval limit. The better the general credit, the higher the economic level and the higher the credit rating. On the other hand, if the customer's credit is average, the card applied for is also an ordinary card type, and usually it will not be approved with a high amount.
Of course, the credit card limit is not fixed. Even if the initial quota is not high enough, banks will increase the quota for customers as long as they use the cards well and accumulate more good credit.
What is the credit card limit?
Under normal circumstances, the amount of credit cards in ordinary banks is less than 50,000 yuan, and the amount of credit cards with platinum card level or above can reach more than 50,000 yuan.
If your credit card limit is not enough, you can consider using big brand credit products such as Alipay, Tencent Microfinance, Xiaoman Finance and Qianhua. Qianhua, formerly known as "Baidu Qianhua", is the credit brand of Xiaoman Finance (formerly Baidu Finance). Provide users with safe, convenient, unsecured and unsecured credit services and borrow money to Xiaoman Financial APP.
Xiaoman Finance will earnestly implement the call of the state to support small and micro enterprises to tide over the difficulties. Its credit service brand has the money to fully support small and micro production and operation, and Xiaoman Finance is the first choice for most small and micro owners. It is reported that 70% of credit users of Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.
This answer is provided by Kangbo Finance, focusing on the interpretation of financial hot events, the popularization of financial knowledge, the pursuit of professionalism and interest, so that the financial content that the people can understand can convey financial value in vivid and diverse ways. I hope this answer is helpful to you.
This concludes the introduction of universal credit card limit and universal credit card limit. I wonder if you have found the information you need?