If you use a credit card to spend, you can generally control it unlimited every day within the limit; Generally, the advance cash of a credit card does not exceed 50% of the customer's credit limit (cash withdrawal, cash transfer and cash sharing in installments), and does not exceed the current available credit limit of the card. According to the general classification of credit cards in banks, credit cards can be divided into ordinary cards, gold cards, platinum cards and unlimited cards, and the corresponding credit card quotas are also different. In general, the amount of the general card is between 1 0,000-10,000, which is suitable for ordinary wage earners; The amount of gold card is between 10000-50000, which requires the applicant to have certain economic strength; Platinum cards and unlimited cards are symbols of distinguished status. Generally, the limit is above 50,000, and there is no upper limit. The specific credit card limit needs to be evaluated and determined by the bank according to your comprehensive qualifications. Overdraft cash withdrawal and cash transfer do not enjoy interest-free repayment period. The daily withdrawal limit of each card in the counter channel is 20,000 yuan, and the daily withdrawal limit of each card in the self-service equipment (such as ATM) channel is 654.38+00,000 yuan. The cash transfer limit of counters, intelligent teller machines (STM), automatic teller machines, mobile banking and personal online banking channels is 20,000 yuan per card day and 50,000 yuan per card month. The actual amount that can be processed will also be affected by the card amount and usage. If you need to withdraw or transfer money beyond the limit, please go to the counter of CCB outlets.

The credit card limit is determined by the bank according to the applicant's credit status and the card level applied for, and generally follows the following standards:

1, ordinary credit card limit: 0- 1 ten thousand yuan; 2. Credit card gold card amount: 1, 000-50,000 yuan; 3. Platinum card and above: 50,000 and above. The specific amount is subject to the final approval of the bank. If you want to get a higher quota, you should provide as many financial certificates as possible to ensure good credit, and you should handle it at the door of the salesman or at the counter of the bank branch.

Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan. Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits. If you use the card for more than one year and your credit record is good, the bank will increase your credit record, which is related to your income certificate and property certificate when you apply for the card. And you can also contact the bank customer service phone to temporarily increase the credit (overdraft) limit.

How to lift credit card consumption restrictions

1. Take Ping An Bank's credit card as an example. You can set the limit online. The specific method is as follows:

1. 1. Step 1 Log in to official website, and click on the credit card to enter the credit card online banking.

2. Then find online banking payment and click the first online banking payment limit.

3. At this time, you can see that you can modify the current and current daily limit.

4. Then click Select to modify the current one-day limit, and click the modify option at the back.

5. Then, you can enter the payment limit and click Next.

6. Finally, after checking whether the input completion limit is correct, click OK to finish.

Second, credit card spending exceeds the limit of the day, you can try to solve it by these methods:

1, contact the bank to modify the limit of the day. You can call the bank's credit card customer service hotline, log in to online banking, and modify it at the bank counter;

2. Replace other payment methods. If it is a third-party payment, such as WeChat and Alipay, the credit card consumption limit can be paid by balance or other bank cards.

The daily consumption limit of credit cards is generally 10000-50000. If it is already the maximum consumption limit, it cannot be changed.

What is the daily credit card limit?

Generally speaking, there is no daily limit for credit cards. As long as it is within the credit card limit, the cardholder can swipe the card within one day or slowly, and there is no limit to the credit card limit. If the cardholder wants to control the daily credit card amount, he can also set the daily limit on the bank online banking or the counter.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 20021year, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.

What does the credit card limit mean?

Credit card daily limit refers to the maximum amount that can be swiped in one day when swiping a card. For example, the total credit line of a credit card is 50,000 yuan, and the user can set the credit line that can be used in one day not to exceed 10000 yuan. Such restrictions can prevent users from spending too much on credit cards and causing themselves a burden. After all, the amount of credit card consumption must be returned on time.

Credit cards must be returned on time after use, otherwise they must be repaid in accordance with the rules stipulated by the bank. If the credit card fails to repay on time, there will be penalty interest after overdue repayment. The longer the time, the more penalty interest, and the greater the burden of subsequent repayment. In fact, when the credit card can't repay on time, you can borrow money from your friends.

The overdue repayment of the credit card was collected at the meeting. After the overdue debt was returned, this overdue record will be kept in the credit report for 5 years, and will disappear automatically after 5 years, and will not be kept in the credit report forever. It should be noted that the bank will collect after overdue repayment.

When the credit card can't repay on time, users can use installment repayment or minimum repayment amount to avoid overdue. When choosing the number of installments, users can decide according to their own income, and they can return them in advance after the installment, which can save the expenses of handling fees, and the installment can only be applied between the billing date and the repayment date.

This concludes the introduction of the daily consumption limit of credit cards and how to do it. I wonder if you found the information you need from it?