What is the general limit of a Bank of Communications credit card? The minimum amount

Generally speaking, the range according to the credit card level is as follows:

Bank of Communications credit card general card limit: 2,000-10,000 yuan

Bank of Communications credit card gold card limit : 2,000-50,000 yuan

Bank of Communications Credit Card Platinum Card Limit: more than 50,000 yuan, up to 1 million yuan.

Extended information:

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals for life and career, People who have pursuits, know how to enjoy, are more willing to struggle, and sometimes have the need to study, do business, research or travel abroad. They are also a group of people with high living standards who are willing to try new consumption habits. ”

Bank of Communications Credit Card. The center was founded on October 25, 2004. It is headquartered at No. 80 Songtao Road, Zhangjiang High-tech Park, Pudong New Area, Shanghai. Its products are all named "Pacific" and with the theme of "Chinese people's global card", it advocates a new consumer culture and card-using experience, providing preferential treatment and considerate services all over the world.

Reference materials:

Baidu Encyclopedia: Bank of Communications Credit Card

What is the general credit limit of Bank of Communications’ standard credit card? Note that these points are doubled!

Nowadays, many people apply for credit cards and are very concerned about the limit of the credit card. It is not only more money that can be overdrafted, but also represents a person’s asset capacity. Therefore, high-limit credit cards are often more popular. Many friends ask, what is the general limit of a Bank of Communications standard credit card? Here to answer for you.

What is the general credit limit for a Bank of Communications standard credit card?

The first thing you need to understand is that the credit card limit will have a floating range and is not a fixed value. It is decided by the bank based on the qualifications of the card applicant. Generally speaking, the range according to the credit card level is as follows:

Bank of Communications credit card general card limit: 2,000-10,000 yuan

BoCom credit card gold card limit: 2,000-50,000 yuan

Bank of Communications Credit Card Platinum Card limit: more than 50,000 yuan, up to 1 million yuan.

According to feedback from cardholders, the credit limit of Bank of Communications standard credit card is between 2,000-50,000 yuan, and the comprehensive score is based on the information you provide when applying for the card.

Think the quota is low? You have to do this:

1. Maintain good consumer credit and repayment credit. Use your credit card frequently to diversify your consumption types. Remember not to have any overdue credit.

2. Provide relevant asset certificates. Don’t be stingy about showing off any real estate, car, etc. certificates you have.

3. A stable job and considerable income are also a big help. Try to highlight your stable job and show off any academic certificates and qualifications you have.

The above is the limit of the Bank of Communications standard credit card introduced to you. Generally speaking, if you want a high-limit credit card, personal credit is very important, and then you need to use it well after applying for the card, and there are irregular ones. It’s time to raise your quota!

What is the general limit of a Bank of Communications credit card?

The general limit of a Bank of Communications credit card ranges from a few thousand to tens of thousands of yuan, which depends on the level of the credit card:

1. Bank of Communications general credit card, the general application limit is between 1,000-10,000 yuan.

2. For the Bank of Communications Gold Credit Card, the general application limit is between 10,000 and 50,000 yuan.

3. For Bank of Communications Credit Card Platinum Card, the general application limit is more than 50,000 yuan, and the maximum is 1 million yuan.

Bank of Communications will determine the specific credit card limit with reference to your personal repayment ability. The stronger your repayment ability, the higher the available limit of the card.

The methods for increasing the credit limit of CITIC Credit Card are as follows:

1. Supplement the asset certificate. Generally, the more assets you have, the higher the credit limit you can apply for.

Cardholders can provide more proof of assets, such as passbooks and houses, to the CITIC Bank Credit Card Center.

2. For frequent consumption, cardholders swipe their cards where they can swipe their cards, and pay off their credit cards on time after swiping their cards to maintain good credit. You can apply for a quota increase during the quota assessment in the following month.

3. Apply for a temporary limit during holidays. Generally, CITIC Bank will relax the limit during holidays, so cardholders can apply for a limit increase in advance during holidays.

What are the precautions for using credit cards?

Repay in full to avoid recurring interest:

Although banks have emphasized this when popularizing credit cards Interest-free period, but most people don’t know the rules of the interest-free period very clearly, and thus spend a lot of money in vain. For example, during the Spring Festival, Xiao Zhang paid 4,000 yuan with a credit card to buy a new mobile phone. When the repayment was made, there was only 3,999.7 yuan in his account. After the bank debited the money, Xiao Zhang still owed the bank 0.3 yuan.

Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = that day) Interest rate on the remaining outstanding amount). It is recommended that everyone repay the loan in full to avoid greater losses.

Temporarily increase your credit limit to avoid maxing out your credit card:

In fact, every credit card has a hidden over limit. When you max out your credit card, it is easy to use the over limit. Once the limit is exceeded, it means paying a high over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

The minimum repayment amount must be sufficient to avoid late payment fees:

In daily life, we often encounter inoperable situations. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.

What is the current maximum limit for a Bank of Communications credit card? How many can it usually achieve?

The higher the credit limit of a Bank of Communications credit card, the higher the corresponding level will be; however, the level of the credit card cannot directly determine the credit limit of the credit card:

General card limit range: 1 Thousand to 10,000 yuan.

Gold card limit range: 1,000-50,000 yuan.

Platinum card limit range: generally above 50,000 yuan, up to more than 1 million yuan.

Extended content

Quota adjustment guide

Enter the Pay Bar APP - Quota Management page to view the overall quota composition and quota usage. Click Adjust Immediately after Fixed Amount or Temporary Amount, and you can apply for a temporary or permanent increase in the amount.

PS: Whether the amount can be adjusted is determined by a comprehensive evaluation by our bank's system, and manual adjustments do not have the authority.

Card credit limits are comprehensively evaluated by our bank's system based on your consumption and repayment records.

If you are temporarily unable to increase the fixed limit, you can try to apply to adjust the temporary limit; if you are unable to increase the temporary limit this time, it is recommended that you try to apply again after the next billing date;

If You cannot adjust the card limit. It is recommended that you click "My Loans" to try to apply for our consumer credit products.

Calculation of multiple credit card limits:

Currently, all credit cards under the same main card customer’s name in our bank enjoy one credit limit, that is, the credit limit for multiple credit cards under the same customer’s name It will not be calculated cumulatively. For example: Lao Wang has three cards. The credit limit of card A is 30,000, the credit limit of card B is 20,000, and the credit limit of card C is 30,000. The total usable limit of the three cards must not exceed 30,000, not 8 Ten thousand.

Good card usage habits will help increase the credit limit

Note:

The credit limit assessment and review are all judged by the system and cannot be manually intervened; our bank will regularly The maximum amount you can adjust is determined based on your card holding period, consumption situation, repayment history and other factors.

Care:

Maintaining good credit card usage habits will help increase your limit. We recommend that you:

Use your credit card more for daily consumption, such as supermarkets , shopping malls, department stores, catering and entertainment, etc.

Update your personal information in a timely manner, such as mobile phone number, job, etc.

Repay on time and accumulate a good credit record.

Do not use credit cards for false or illegal transactions, and avoid credit card purchases only for investment.

Reference material: Limit adjustment guide--Bank of Communications

This ends the introduction of the maximum limit of transportation credit card and the maximum limit of transportation regular card. I don’t know if you can find you from it. Need the information?