Credit loan line

Credit line, also known as comprehensive credit line, is a credit line that can be overdrawn according to the information provided when you apply for a credit card and your credit status.

Comprehensive credit line and single card line

Single card credit limit refers to the maximum credit limit that you can recover from a single credit card, while comprehensive credit limit refers to the total credit limit of customers, and single card credit limit is affected by comprehensive credit limit.

For example, if you have two Guangfa credit cards, the single card credit limit of each card is 6,543.8+0,000 yuan, and your comprehensive credit limit is 6,543.8+0,000 yuan, if one card has been overdrawn by 6,543.8+0,000 yuan, the other card can't be overdrawn.

Extended data:

Introduce "using consumption quota" and "not using consumption quota" in stages.

Staging can be divided into two situations: using consumption quota and not using consumption quota (including: single installment, bill installment, financial installment and mail order installment). It will be reviewed according to the past card use, asset status and installment business amount. Whether to use the consumption limit shall be subject to the bank's examination.

1. Usage and consumption limit: refers to the "credit card account limit" for installment principal, which will be released with each installment repayment.

2. No consumption limit: according to the comprehensive qualification of customers, your credit card account limit will not be used for part or all of the installment principal, and the repayment amount of each installment (including installment principal and handling fee) will be automatically included in your monthly credit card bill for your convenience.

Conditions for applying for adjustment

It takes 6 months to open an account for the first time, and the card status is normal, only for the main cardholder. Success depends on the audit results. You can apply through our "Discover Wonderful" app, online banking, mobile banking and WeChat banking, subject to review. Please pay attention to the notification result after application.

Generally speaking, the increase in the amount will not exceed twice your original consumption amount.

Note: The application for adjustment of consumption quota needs to be in temporary adjustment status.

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