How much temporary limit can be applied for with Huishang Bank’s credit card limit of 10,000?

10,000 limit

It is not certain how high the temporary limit can be increased. It mainly depends on your card usage.

If you want to apply, you can apply according to your requirements, but it does not mean that you will definitely be able to apply successfully, because China Construction Bank will also conduct review. For example, if your card limit is 6,000, you can apply for 50,000, but your application will not be successful and will need to be reviewed by China Construction Bank. If you can only apply for 10,000, then you will only be given this limit. "Ordinary applicants can generally apply for a Huangshan credit card with a limit of less than 10,000. If the applicant is a high-quality customer of Huishang Bank or a public employee, he or she can apply for a platinum card or a business card, and the credit card limit will be much higher. , up to hundreds of thousands.”

What is the general credit limit of Huishang Bank? Mainly depends on three aspects!

Huishang Bank has been approved to carry out credit card business since 2010. The credit card is called Huangshan Credit Card. Although it is relatively easy to apply, according to feedback from card friends, the credit card limit varies. High or low, some limits are tens of thousands, but some are only a few thousand. This is because the Huishang Bank credit card limit is mainly related to three aspects. Let’s take a look at it together.

What is the general credit limit of Huishang Bank?

According to what we know, Huishang Bank’s credit card limit depends on three aspects, one is the card level, the other is the applicant’s credit standing, and the other is the application channel.

1. Card level:

Although Huishang Bank has only one Huangshan credit card, it is also divided into regular card, gold card and platinum card. The higher the level, the higher the limit. The limit for regular cards is generally less than 10,000 yuan, the maximum limit for gold cards is 50,000 yuan, and the minimum limit for platinum cards is 50,000 yuan.

2. Applicant’s credit standing:

When Huishang Bank approves a credit card, it will comprehensively evaluate the applicant’s credit standing and grant a credit limit. Each person’s credit standing is different, and the credit limit is Not the same either. The better your credit standing, the higher your credit limit will be even if you apply for the same level of credit card as others.

3. Application channels:

Huishang Bank credit card is divided into two channels: online card application and offline card application. If you apply offline, you can provide proof of income and financial resources. Proof, then the card approval limit is higher than that of the outlets. After all, when applying for a card online, you only need to fill out the application form without submitting any information, so the applied limit will naturally be lower.

The above is the relevant introduction to "the general credit limit of Huishang Bank". If you are not satisfied with the limit of the Huishang Bank credit card you applied for, do not cancel the card. It is best to open a card for consumption. After using the card for 6 months, you can apply to the bank for a limit increase. The bank will decide whether to increase the limit for you based on your card usage. Increase the amount.

Is there an over-limit limit for Huishang Credit Card?

The existing credit limit for Huishang Credit Card is limited. Please check the official information for details. ＜/strong＞＜br＞Because there are two ways to withdraw cash from Huishang credit card, overdraft withdrawal and overpayment withdrawal, the limit is also divided into two situations.
Bank credit card cash withdrawal limit - overdraft cash withdrawal. Overdraft cash withdrawal refers to the small cash loan provided by Huishang Bank for you. The overdraft cash withdrawal limit is set according to your card usage, and generally does not exceed 50% of your credit limit. The cumulative amount of daily cash withdrawals does not exceed RMB 2,000. Overdraft cash withdrawals do not enjoy interest-free treatment.
Cash withdrawal limit for bank credit cards - cash withdrawal for overpayment. Overpayment withdrawal means that you withdraw the funds stored in the card or the funds overpaid during repayment. Deposit interest will not be charged on overpayments.

The first time you apply for a Huishang Bank credit card, the limit is 10,000 yuan

The first time you apply for a credit card, the limit is related to the personal credit conditions and credit card application level. Generally, different credit card levels have different bank-approved limits.

If you are applying for a credit card for the first time, do not blindly pursue high limits and high levels. It is best to choose a card that suits your qualifications.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Does Huishang Bank’s credit card cash installment limit occupy? How long does it take to restore the quota?

Huishang Bank’s credit card cash installment allows cardholders to obtain working capital, and can also enjoy the interest-free period. It is the first choice for many cardholders who are in urgent need of funds. However, some cardholders hold Huishang Bank credit card limits that are not very high, and are worried that the credit limit will be occupied after applying for cash installments, which will affect future consumption. So, will Huishang Bank’s credit card cash installment limit be occupied? How long does it take to restore the quota? Let’s find out together below.

Does Huishang Bank’s credit card cash installment limit occupy?

Whether a general credit card cash installment occupies the quota depends on what kind of installment it is. For example, cash installments outside the credit limit will not occupy the credit limit, but cash installments within the credit limit will occupy the credit limit. As far as we know, Huishang Bank's credit card cash installments fall into the second category, which are installments within the available limit, so they will occupy the credit limit.

According to what I know, Huishang Bank’s credit card cash installment is to transfer the money within the available limit to the debit card account of my counterpart, which is equivalent to borrowing money within the credit limit, so it will As you process, the available credit limit on your credit card decreases. However, part of the credit limit will be released with each installment, and the full credit limit will be restored when all is paid off.

For example

Suppose your Huishang Bank credit card limit is 30,000 yuan, and you plan to apply for 20,000 yuan in cash installments, divided into 12 installments. After each installment is successfully processed, the handling fee will be reduced. After removing the occupied 20,000 yuan, your available quota is only 10,000 yuan. But with each repayment, part of the credit will be restored.

For example, the available quota after one payment is 1000020000/1220000 yuan.

The above is the relevant introduction of "Will Huishang Bank's credit card cash installment limit be occupied? How long will it take to restore the limit?", I hope it will be helpful to everyone. Because Huishang Bank’s credit card cash installment will occupy the credit limit, it is best not to apply if your credit limit is too low, and the installment fee is also relatively high. It is recommended to consider it carefully before applying.

Let’s stop here to introduce the limit of Huishang’s credit card.