What is the limit of a rural commercial credit card for the first time?

Rural commercial banks across the country do not have the same system, and the credit cards issued are also different. However, the limit of a rural commercial credit card is mainly related to The credit conditions of the applicant and the level of the card applied for are related.

Generally, the limit of a rural commercial credit card is less than RMB 10,000; the limit of a gold card is generally between RMB 10,000 and RMB 50,000; and the limit of a platinum card is more than RMB 50,000. However, because it is a local bank, the credit limit is generally not too high, and the specific limit is subject to the evaluation results.

Notes on using credit cards:

1. Pay attention to consumption

In addition to enriching the types of daily card consumption, credit cards must also ensure the consumption limit. Occasionally, I made several large purchases. In addition, you should also pay attention to avoid frequent consumption at the same place. After some friends made several large purchases, the bank not only refused to approve the limit increase, but also froze the credit card because of the risk of cashing out.

2. Pay attention to the limit

Friends who want to increase the limit of their credit cards must pay more attention to the changes in the limit of active credit cards, especially the usage limit and available limit. The higher the ratio of your credit card's used limit to your credit limit, the higher the chance of your application for a limit increase being approved.

3. Check credit report

If the cardholder has met the conditions for credit card limit increase, it is best to check your personal credit report first. Credit investigation has a great impact on credit card limit increase. Only a good credit record can ensure the success rate of credit card limit increase.

Amount:

1. There is currently no clear regulation on the credit card limit. The regulations of each bank are not completely consistent, but there will be a general range, such as regular cards. It is usually 3000-8000, and the gold card is usually 8000-1W. This is just the general application range for credit card limits. The specific situation depends on the limit after getting the card.

If you want to adjust the quota, just apply directly! Of course, this requires that you have used the card for a period of time and have no bad records. I currently use Guangfa Card, which I feel is quite convenient in this regard. If I want to increase the limit, send a text message to the last four digits of the XLT card and adjust the amount to 95508. It will take about 3 seconds!

2. Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures and save social labor; promote product sales and social requirements and other characteristics. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.

The minimum balance of Shenzhen Rural Commercial Bank corporate account

10,000. Shenzhen Rural Commercial Bank credit cards can be divided into three types: regular card, gold card and platinum card. The regular card limit is within 10,000 yuan, the gold card limit is generally between 15,000 yuan, and the platinum card limit is relatively high. Usually it is above 50,000 yuan.

What is the over-limit limit of Rural Commercial Bank’s credit card?

It is generally 10 of the total limit.

For example, if your credit card limit is 10,000 yuan, your actual usage limit can reach up to 11,000 yuan. Generally, fees will be charged for exceeding the limit. Equivalent to cash withdrawal, interest is 0.05% per day. Rural commercial banks are joint-stock local financial institutions that are jointly owned by farmers, rural industrial and commercial households, corporate legal entities and other economic organizations within their jurisdiction.

On May 21, 2019, the People's Bank of China announced the "Notice of the People's Bank of China on Lowering the RMB Deposit Reserve Ratio for Rural Commercial Banks Serving County Areas", in response to the central bank's announcement on May 6 for small and medium-sized banks. The policy framework for implementing a lower deposit reserve ratio has been further refined. The "Notice" clarified that the targeted RRR reduction will be implemented in three times, and clarified the scale of the three times. That is, on May 15 and June 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point respectively, and on July 15, the deposit reserve ratio was lowered to 8.

Wuxi Rural Commercial Bank Credit Card Limit

The credit card limit is mainly determined by the credit card applicant’s personal credit, repayment ability and other comprehensive qualifications.

1. The credit limit for ordinary credit cards is about 3,000-10,000.

2. The credit card limit is about 10,000-50,000.

3. The limit of the credit card platinum card is more than 50,000, and so on.

Rural Commercial Bank Credit Card Limit

The credit card limit of Rural Credit Cooperative depends on the financial proof you submit. The higher the value of the submitted information, the higher the limit. The credit limit of all gold cards of rural credit cooperatives is RMB 20,000-200,000, and the limit of all ordinary cards is RMB 20,000-20,000. The card is valid for 3 years. During the period of using the card, make more purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, the more stable your monthly consumption limit will be. Just change the original habit of cash consumption to credit card consumption

How to increase the credit limit of rural credit cooperatives

You can call to apply for an increase in the limit, but you must also pay attention to healthy use of the credit card limit and provide proof of financial resources to gradually increase the limit; see the main precautions for using credit cards:

1. Cardholders can use credit cards to pay as much as possible in daily consumption, especially to increase large-amount consumption expenditures (except for wholesale consumption. Frequent payment for wholesale consumption is not only not conducive to increasing the credit limit, but may also be illegal. suspected of cashing out).

2. After several months of continuous consumption, you can actively apply to the bank. The card department will decide whether the limit needs to be increased based on the cardholder's consumption record. After the credit limit is increased and used for a period of time, about three months later, you can apply to the bank again to gradually increase the credit limit.

3. Provide proof of asset income. Take the initiative to provide proof of asset income to the bank, and the more detailed the proof materials you provide, the higher the income, and the higher the credit limit that may be approved by the bank.

4. Repay the loan in full and on time. Try to repay your loan in full and on time each month. The repayment status is an important item in the credit card record. Cardholders should try to avoid paying interest beyond the interest-free period due to untimely repayment. Otherwise, it will not only be detrimental to increasing the credit limit, but may also cause stains on the credit record.

China Construction Bank Platinum Credit Card is divided into two types: premium version and elite version.

1. Annual fee for premium version: 3,600 yuan/year for the main card, 2,800 yuan/year for the supplementary card;

2. Annual fee for the elite version: 1,800 yuan/year for the main card, 1,800 yuan/year for the supplementary card Card 1,200 yuan/year;

3. Credit limit: 100,000--1 million.

Bank credit card cash withdrawal interest:

There is no interest-free period for credit card cash withdrawals. From the date of withdrawal, overdraft cash withdrawal interest of 0.5% will be charged every day until it is paid off.

Cash withdrawal methods with bank credit cards

1. Domestic: You can withdraw RMB cash with the withdrawal password at Bank of China branches, ATMs or other commercial bank ATMs with the UnionPay logo. .

2. Overseas: You can withdraw local legal currency and conduct cash advance transactions at any ATM around the world with the PLUS, CIRRUS or UnionPay logo.

What is the general credit limit of a rural commercial bank?

The credit card limit of a rural commercial bank is generally between a few thousand to tens of thousands.

1. Generally speaking, the limit of ordinary commercial bank gold and ordinary credit cards ranges from a few thousand yuan to tens of thousands of yuan. The maximum limit generally does not exceed 50,000 yuan, and the higher-level platinum cards generally have higher limits that can reach hundreds of thousands of yuan, or even millions.

2. Rural Commercial Bank, referred to as Rural Commercial Bank, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, corporate legal persons and other economic organizations within its jurisdiction. mechanism. All rural cooperative banks must be restructured into rural commercial banks.

The background of the establishment of rural commercial banks:

1. Jiang Liming, director of the Cooperative Financial Institutions Supervision Department of the China Banking Regulatory Commission, said that no new rural cooperative banks will be established and all rural cooperative banks will be restructured. for rural commercial banks. Qualified stocks will be completely cancelled, and qualified rural credit cooperatives will be encouraged to restructure and form rural commercial banks. On the premise of maintaining the overall stability of the legal person status of the county (city), we must steadily promote the reform of provincial federations and gradually build a new relationship between provincial federations and grassroots legal persons with property rights as the link, equity as the link, and regulation as the constraint. , truly forming a unity of interests between the provincial federation and the grassroots legal person society.

2. The proportion of qualified shares of rural credit cooperatives nationwide has dropped to less than 30%. About 303 rural commercial banks and about 210 rural cooperative banks have been established. The total assets of rural bank institutions account for 1% of the total assets of rural cooperative financial institutions nationwide. of 41.4. In addition, there are 1,424 rural credit cooperatives that have met or basically met the conditions for the establishment of rural commercial banks. Through reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing insider control problem has been effectively solved, and the institution itself has formed an endogenous driving force to promote in-depth institutional reform.

3. On May 21, 2019, the People's Bank of China announced the "Notice of the People's Bank of China on Lowering the RMB Deposit Reserve Ratio for Rural Commercial Banks Serving County Areas", in response to the central bank's announcement on May 6. The policy framework for implementing lower deposit reserve ratios for small and medium-sized banks has been further refined. The "Notice" clarified that the targeted RRR reduction will be implemented in three times, and clarified the scale of the three times. That is, on May 15 and June 17, the RMB deposit reserve ratio of county rural commercial banks was lowered by 1 percentage point respectively, and on July 15, the deposit reserve ratio was lowered to 8.

That’s it for the introduction of credit card limits of rural commercial banks.