If you just graduated and changed jobs, they will give you 5000 places at first. I was also transferred from a student card, and I gave it 5000 at first. After using it for a while, the credit is good and the consumption level has gone up. I called to change it to 8000, and then it was 10000. Now it's about 12000 or 65438+. In addition, once you have a large demand, call China Merchants Bank, and they will temporarily provide you with a large amount. I think this is also good. In case someone picks up the card and cracks the password, our loss will not be too great.
Extended data:
China Merchants Bank Young Card is a RMB credit card launched by China Merchants Bank, which can be used for non-student customers under the age of 30. After the user opens the online payment function, he/she sets the cumulative consumption limit by himself. When the consumption reaches this limit, it needs to be reset, and the previous accumulated records will be cleared.
Annual fee of main card: annual fee of ordinary card 100 yuan.
Free annual fee policy: unconditional free in the first year, free annual fee by swiping the card 6 times in the second year, and so on.
Cash advance limit: 65438+ 000% of credit line.
Interest-free period: 18 days to 49 days
Cash advance limit: 65438+ 000% of the credit limit (but remind everyone that although there is no charge for withdrawing cash, all credit cards still have 0.5% daily interest! It is said that credit card points can be swiped on the day of free cash withdrawal, but you haven't tried it ~ And remind friends who want to operate it, please pay attention to whether the bill has not been returned when you borrow it that day, because the order of repayment is: the bill has been received first, then the bill has not been received, and the order is: the bill has been charged with interest, handling fee, annual fee and other fees, then the installment amount, then the cash principal in advance, and finally the credit card consumption principal. So, when you pay back, you should pay attention. If you don't hurry to advance the cash principal, there will still be interest. Then there will still be no interest on that day, but there will still be interest on the day of bookkeeping. Because you took the next bill on the same day, so pay back first! )
Don't be shy to ask for help when you are in urgent need of cash. The maximum withdrawal amount of the young card 100% credit line (the maximum daily single card for offline channels 10000, other lines shall be subject to actual operation).
As long as the transaction password is set in advance, the cash advance function can be opened, and RMB cash can be withdrawn at China Merchants Bank ATM, other banks with UnionPay logo or China Merchants Bank counter with the transaction password, without pre-deposit.
You can also immediately transfer the money to the one-card account of China Merchants Bank in your name by pre-borrowing cash by telephone or online banking.
At the same time, the first withdrawal of the young card every natural month is free of charge. From the second withdrawal, only the domestic handling fee is charged at 1% and the minimum 10 yuan/transaction. There is no difference in the fees charged by different banks in different places. You can take it whenever you want.