Question 1: What is a credit limit? The credit limit refers to the maximum amount that the card issuing bank can use within a specified period based on the credit information you provide. The credit limit can be recycled. You can consume first and repay later within the credit limit. After repaying all payables in full before the end of business of the card-issuing bank's business outlet on the due repayment date (inclusive), you can continue to enjoy all the benefits. Credit limit. If it is partially repaid, you can only enjoy part of the credit limit again.

Reference: 95559/

Question 2: What is the credit card limit? Simply put, the credit card limit is the amount of money that your credit card can overdraft. For example, if the credit card limit is 5,000, in your case If there is no deposit, the maximum overdraft can be 5,000 yuan. The credit card limit is determined based on your income and credit rating. It can be adjusted for old credit card customers. There are two types of adjustments. One is a temporary increase. If you need money urgently, you can call customer service to apply, or During holidays, the bank temporarily adjusts the credit limit for holiday consumption. This temporary adjustment period is usually one month, and it will automatically return to the original credit limit after one month. The other is long-term, such as when your salary is increased and you need to provide proof of your salary slip. You can apply for adjustment, or the bank will make adjustments from time to time if your credit is always good. Hope this helps!

Question 3: What is the credit limit of a mobile phone? The credit limit refers to the maximum phone bill you can use for overdraft consumption. If the overdraft consumption reaches the credit limit, the phone will be shut down; the phone bill for overdraft consumption can be paid in time according to regulations.

You can check your credit limit through the following channels:

1. You can log in to the online business hall 10010/click Self-service on the homepage>Check phone bill>Call bill inquiry

>With the balance of the current month, you can check your monthly phone charges, available balance, credit limit and phone bill details;

2. After logging in to the mobile business hall client, click Query>Call Charge Query< /p>

>Credit limit, you can see the inquiry date, customer name, mobile phone number, credit limit and other information.

In addition, you can also call the local 10010 hotline or go directly to the business office to check your credit limit.

Question 4: Types of credit lines Credit lines include general credit lines and credit lines for specific customers. 1. The overall credit limit refers to the total scale of credit sales determined based on its own situation and external environment, and is used to guide and control daily credit sales decisions. 2． The specific credit limit refers to the maximum limit stipulated by the enterprise that customers can purchase goods on credit within a certain period of time. The credit limit represents the credit sales and bad debt risk that the company can tolerate to its customers. If the credit limit is too low, it will affect the company's sales scale and increase transaction frequency and transaction costs; if the credit limit is too high, it will increase the company's collection costs and bad debt risks.

Question 5: What is the credit limit of a mobile phone card? The credit limit is the maximum amount that can be owed on a mobile phone.

In the past, when mobile management was not perfect, there were not many people who bought cards and owed money. Did you charge a few hundred and then throw the card away?

Now, have you ever heard of anyone throwing away their card after owing several hundred dollars? Because China Mobile has updated its database and archived the records of delinquent users, the specific year from which it started is unclear

The credibility is related to two aspects. One is the number of years of use of the mobile phone card and the amount of consumption

< p> The second is bad records

For example, if you buy a mobile phone card and you are in arrears, you will throw it away three times in a row. When the fourth time comes, as long as the balance of your card reaches zero, your card will not be able to make calls or accept payments.

Bad records cannot be cleared. I often hear from foreigners that there is a university professor who was recorded as evading bus fares twice within a year and was fired from the university

Now Generally, if you have no bad record and your phone bill is zero, you can still receive calls even though you can’t make calls

I thought I still had to pass the card four times when I was in college, so now I can’t make or receive calls as long as I run out of money< /p>

My brother’s card he has used since college and now is in his second year of graduate school, and he owes more than 300.

It is said that if you have too many bad records, you cannot get a mobile phone card, just like using a credit card if you have an overdraft. If you fail to repay, you will not only have to pay legal liability, but you will not be able to take out another loan for life. When I was working in Nanjing, a colleague applied for a 20,000 card. Later, for some reason, he overdrafted the 20,000 yuan without making any payment. This constituted a crime of fraud and was sentenced to 3 years.

I estimate that your mobile phone may have a credit check function, just like some people’s mobile phones have the function of rejecting calls and text messages. If you set it to reject, if you call his number and the number is empty, sending text messages will fail. Some mobile phones don’t have this function, right?

Question 6: What is a credit line? The bank determines the amount of loan it can give you based on your credit standing in the bank or society. This does not require a pledge, as long as you provide Your credit certificate is enough, some banks have their own credit files.

If you often borrow money from the bank and repay it on time every time, your credit limit will increase

Question 7: What are "available limit" and "credit limit"? The difference is that availability means the money you can withdraw from this card now~ Credit rating refers to how much overdraft you can use this card if your card has no money~~

Remember to adopt it

< p>Question 8: What is the temporary credit limit of a credit card?

As the name suggests, it refers to the temporary credit limit that the bank gives to the credit card holder. Generally speaking, the temporary credit limit is increased.

When the fixed credit limit of your credit card is not enough (for example: decoration, travel, etc.), you can call the credit card center of the issuing bank and ask customer service to temporarily increase your credit limit within a certain period of time. The customer service will determine whether the credit limit can be temporarily increased for you based on your card usage records. After the specified time, the credit limit will be adjusted back to the original fixed limit.

Generally speaking, if your credit card usage record is good and there are no overdue or other illegal card uses, you can temporarily increase your credit limit. The range of the temporary credit limit increase is generally controlled to 20% of the fixed limit. %-50%.

In addition, during fixed long holidays such as Christmas, New Year's Day, Spring Festival, and National Day, the bank's credit card center will actively adjust the temporary limit of the credit card. Generally, the temporary limit will be increased to 20% of the fixed limit to provide cardholders with holiday benefits. consumption use. It will take approximately one month after the holiday to return your limit to the original fixed limit.

Question 9: What does the credit limit of 0 and the used limit of 0 mean? 5 points. The credit report shows a credit limit of 0, which means that you have never applied for a credit card and no bank has granted you credit. You are Shirato.

Or if you apply for a credit card, the bank has not approved your credit limit. It can only be used as a debit card, and no overdraft is allowed.

Usually in factories with a large flow of people, they will collectively apply for 0-limit credit cards. It is recommended to cancel this type of card. Or provide proof of financial resources and apply for an increase in the limit.

Question 10: What does the available limit of a credit card mean? The available limit of a credit card is how much money the bank has approved for you to use first. This limit is approved by the bank after evaluating your overall personal financial situation. Generally it is 5,000 yuan, some are 10,000 yuan, and some can reach hundreds of thousands. It depends on the credibility of the credit information you provided when applying for a credit card. For example, if you want to buy something for 6,000 yuan, the credit limit given to you by the bank is only 5,000 yuan, which is not enough. You must have a credit limit of 6,000 yuan or more to handle the purchase. But this limit is not static. After applying for a card, if you can repay it on time and frequently use the card to make purchases, you can ask the bank to increase your credit limit after one year.