1, a general credit card of Bank of Communications. Generally, the application amount is between 1000- 10000 yuan.
2. Bank of Communications credit card gold card, the general application amount is between1-50,000 yuan.
3. Bank of Communications Credit Card Platinum Card, the general application amount is more than 50,000 yuan, and the maximum amount can reach 6,543,800 yuan.
The specific credit card limit will be determined by Bank of Communications with reference to your personal repayment ability. The stronger your repayment ability, the higher the available credit card limit.
CITIC Credit Card can increase the limit as follows:
1, supplement the asset certificate. The more general assets, the higher the credit. Cardholders can provide more proof of assets to CITIC Bank Credit Card Center, such as passbook and house.
2, frequent consumption of credit cards, cardholders can swipe their cards where they can, pay off their credit cards on time after swiping, and maintain a good credit. In the quota evaluation next month, it is possible to apply for withdrawal.
3. Apply for temporary places during holidays. In general holidays, CITIC Bank will relax the quota. Therefore, cardholders can apply for withdrawal in advance on holidays.
What are the precautions for using credit cards?
Full repayment, avoiding cyclic interest:
Although banks emphasize the interest-free period when promoting credit cards, most people are not very clear about the rules of interest-free period, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and swiped 4,000 yuan with a credit card. At the time of repayment, there was only 3999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank 0.3 yuan.
Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they fail to repay in full, and they do not enjoy the interest-free period (daily interest = the remaining unpaid amount of the day * interest rate). It is recommended that you pay in full when you repay, so as not to cause greater losses.
Temporarily increase the credit limit to avoid credit card explosion;
In fact, every credit card has a hidden limit. When you swipe your credit card, it is easy to use the over-limit amount, and once you use the over-limit amount, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.
The minimum repayment amount must be full to avoid overdue repayment:
In our daily life, we often encounter the situation that the capital turnover is ineffective. At this time, you can choose the minimum repayment limit to repay, which can ensure that your personal credit record will not be affected, and there will not be too many late fees. However, it is important to note that the minimum repayment amount must be paid in full, otherwise you will encounter a high late payment fee.