1. repayment record: timely repayment is very important. Credit cards have a one-month interest-free period, and they should be repaid in time every month. Otherwise, there will be overdue fees, and the most important thing is to leave overdue records, indicating that the user's integrity or financial problems.
2. Consumption records: Consumption ability represents financial resources to a certain extent, and consumption ability can only be generated if there is repayment ability. If you can repay on time every month, it is likely to be a high-quality customer, and banks will generally be willing to lend you money.
Please refer to the audit results for the specific credit card maximum limit. In general, the fixed amount of Puka ranges from 65,438 yuan+0,000 yuan to 65,438 yuan+0,000 yuan.
For example, the credit card limit of China Merchants Bank is determined according to the information and credit status provided by the cardholder when applying, which is the maximum limit for the cardholder to overdraw consumption and withdraw cash. Available credit limit refers to the unused credit limit in your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.
Puka: 1 0,000-10,000, where there is no gold card, you can get 50,000;
When handling ordinary cards, the amount of ordinary cards is 1000 to 10000. As for the specific amount of your application, it is related to the adequacy of your information and credit information, but it is also within this range.
The highest Puka of Shanghai Pudong Development Bank is 10000 yuan.
Precautions for credit card use:
1, pay attention to consumption
In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.
2. Pay attention to quotas
Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.
3. Inquire about credit information
If the cardholder has met the conditions for withdrawing cash from the credit card, it is best to check the personal credit first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of cash withdrawal.
Credit cards are divided into credit cards and quasi-credit cards, which provide settlement services, facilitate shopping and consumption, and enhance security; Simplify the collection procedure and save social labor; Promote commodity sales and stimulate social demand. Credit card is a special card issued by banks or other financial institutions to people with good credit, which is used for shopping and spending at designated merchants or depositing and withdrawing cash at designated banking institutions. It is a special kind of credit certificate.