1. The minimum amount of the Platinum Card of China CITIC Bank is RMB 40,000 only; CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, headquartered in Beijing, and its main shareholder is China CITIC Limited. Credit limit, also known as "credit limit", refers to a certain amount of credit granted by a bank to its basic customers, that is, an enterprise can recover so much money within a specified time.
Two. There are several ways to increase the bank credit card limit:
1. Provide sufficient economic proof when handling the card. When applying for a credit card, provide as many financial certificates as possible, such as income certificate, bank deposit certificate, real estate certificate, vehicle production certificate, etc. The bank will evaluate the cardholder's assets according to these certificates. If the cardholder has a deposit in CCB or is a civil servant, it will also help the cardholder to obtain good credit and approve a higher credit limit;
2. Use credit card as much as possible. The bank will make a comprehensive evaluation based on the customer's past card use. It is suggested that cardholders can diversify their consumption types, such as household appliances consumption, catering consumption and supermarket shopping. And spend as much as possible in physical stores. The bank credit card center will adjust the amount according to the cardholder's usage rate and repayment record;
3. Ensure a good repayment record. After using the bank credit card to spend money, you must ensure that you repay on time before the monthly repayment date. Once it is overdue, it will not only pay a high late fee, but also produce a bad credit record, which will affect future credit card applications. If you can't repay in time in case of emergency, you can call the bank's customer service hotline and apply for deferred repayment;
Apply for increasing the temporary quota. Bank credit card holders can apply to voluntarily increase the temporary limit, and the bank will comprehensively evaluate the range of the limit that cardholders can increase according to their usual consumption and repayment. If the temporary quota is often increased, banks will think that the demand for credit cards is strong and it is not difficult to increase the fixed quota. The temporary quota needs to be paid off in one lump sum. Please be careful not to generate late fees.