Rural Credit Cooperatives’ regular credit card: the limit is generally less than 10,000; Rural Credit Cooperative Gold Card: the limit is generally less than 50,000.
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The limit of all gold cards of rural credit cooperatives is RMB 20,000-200,000, and the limit of all regular cards is RMB 0.2-20,000. The card is valid for 3 years. The credit limit of a rural credit cooperative depends on the financial proof you submit. The higher the value of the submitted information, the higher the limit.
Apply to increase the credit limit of rural credit cooperatives: You can call to apply for an increase in the credit 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 a credit card:
p>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.