The credit card quota of ABC is generally granted according to the qualifications of the applicant. Generally, the credit card limit is within 6,543,800 yuan, the gold card limit is between 6,543,800 yuan and 50,000 yuan, and the platinum card limit is above 50,000 yuan. There is no upper limit.
The maximum credit card limit of ABC is scored according to your situation:
1, the most important thing is the work unit. The work unit represents your cash inflow ability and stability to a certain extent. The best are civil servants, followed by institutions, followed by large enterprises, foreign-funded companies and so on.
2. Next is the location. The higher the position, the higher the income, the stronger the solvency and the higher the quality.
3. Credit history. Your previous credit card repayment and loan repayment.
4, education, assets, real estate, vehicles, deposits, etc. There will be extra points.
Types of Credit Cards of Agricultural Bank of China
1. Credit cards of Agricultural Bank are mainly divided into ordinary cards. Gold and platinum card levels. According to the previous credit standard of Agricultural Bank, the credit line of Puka is about 2000- 1 000, that of Gold Card is about 1 000-200,000, and that of Platinum Card is about 50,000 yuan or more. The specific credit limit is based on the comprehensive evaluation of the applicant's credit status. Please refer to the actual credit limit. The annual credit card fee of Agricultural Bank of China is as follows.
2. Puka. Single currency Puka main card 80 yuan/year, auxiliary card 40 yuan/year. Dual currency ordinary card 100 yuan/year, supplementary card 50 yuan/year. Free of the annual fee for the first year, and free of the annual fee for the next year if you swipe your card for 5 times (the main card and the supplementary card are accumulated separately). Ordinary cardholders who have not reached the number of swipes can use 5000 points to avoid annual fees.
3. Gold card. Single-currency gold card main card 160 yuan/year, auxiliary card 80 yuan/year. Dual currency gold card 200 yuan/year, supplementary card 100 yuan/year. Free of the annual fee for the first year, and free of the annual fee for the next year if you swipe your card for 5 times (the main card and the supplementary card are accumulated separately). Gold cardholders who do not meet the number of swipes can use 3000 points to avoid annual fees.
4. Platinum card. The annual fee for platinum card is 580 yuan/year, and the annual fee for supplementary card is 300 yuan/year, except for special card types. The annual fee is free in the first year, and the annual fee is free in the following year after spending 12 times, except for special cards.
What is the general credit card limit of ABC?
The credit card limit of ABC will be examined and approved according to the information submitted by the applicant. General credit card limit is below 1 10,000 yuan. The gold card amount is between 10000 yuan and 50000 yuan; The amount of a platinum card is more than 50,000 yuan. It is worth noting that there is no upper limit on the amount of platinum cards. When applying for a credit card, the bank will have a pre-trial quota, but the final credit card quota and the pre-trial quota are not necessarily the same.
Under normal circumstances, the bank will assess the quota according to the applicant's work, position, credit record, educational background and financial situation. Among them, the work shows your cash inflow ability and stability, the best is civil servants, followed by public institutions, followed by large enterprises and foreign-funded companies. The higher the position, the higher the income, the stronger the solvency and the higher the quality.
Credit history, your previous credit card repayment and loan repayment are very useful for you to apply for a credit card. Higher education will also have certain benefits. Provide your own assets, real estate, vehicles, deposits, etc. There will also be extra points.
What is the credit card limit of China Agricultural Bank?
According to the regulations of Credit Card Center of Agricultural Bank of China, the maximum amount of credit card personal Capka of Agricultural Bank of China is 50,000 yuan (including the equivalent amount). China Agricultural Bank has a credit card gold card quota of 200,000 RMB. The minimum amount of a platinum card is RMB 654.38+10,000, and the maximum amount is RMB 1 10,000.
For corporate cards, the maximum overdraft limit for customers' comprehensive credit is 3%, not exceeding RMB 3 million. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.
1. What is a credit card?
CreditCard is a special carrier card issued by banks or other financial institutions to people with good credit, which is used for shopping, spending and depositing and withdrawing cash from banks. Credit cards are divided into credit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank. Credit card is a credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card is a credit card that deposits a certain amount of reserve money according to the requirements of the issuing bank. The credit cards we are talking about now all refer to credit cards.
The most popular saying is that when your shopping demand temporarily exceeds your ability to pay, you can borrow money from the bank. A credit card is a certificate that the bank promises to lend you money according to your credit status. Your credit card will remind you how much money you can borrow from the bank and when to pay it back.
Second, the credit card operation process
(1) Cardholders use their cards to spend money and sign purchase orders.
(2) Merchants provide goods or services to cardholders.
(3) The merchant submits the purchase order to the issuing bank.
(4) The issuing bank pays the merchant.
(5) The cardholder shall repay the card issuer on schedule.
The biggest difference with a savings card is to spend money first and then repay it. You spent money from the bank!
3. How to apply for a credit card?
The handling of credit cards is based on the social attributes of citizens. Mainland citizens who require People's Republic of China (PRC) (PRC) nationality, have a fixed job and a legally stable income, and are aged 18-60!
The following documents must be attached: a copy of the ID card (the household registration book is invalid) and a work certificate (a copy of my business card, work permit and badge or a work income certificate stamped with the official seal, financial seal or personnel seal).
Other attached materials: proof of financial resources (applicant's name, real estate, salary of more than 6 months, bank deposit of 30,000 yuan per month, credit cards used by other banks for more than 6 months, tax payment vouchers, etc.). )
What is the general credit card limit of ABC?
The credit limit of credit card is 20,000 to 50,000 (including the equivalent value), and the credit limit of gold card is 50,000 to 200,000 (including the equivalent value). Agricultural Bank of China will verify the specific credit line according to the credit materials submitted by customers. Please contact ABC Credit Card Center for details.
What is the general credit card limit of Agricultural Bank of China?
Credit card limit of Agricultural Bank:
1. The maximum overdraft limit of credit card personal Capka of Agricultural Bank of China is 50,000 yuan (including the equivalent amount).
2. The overdraft limit of China Agricultural Bank's credit card gold card is RMB 200,000.
3. The minimum overdraft limit of Platinum Card is RMB 654.38+10,000 Yuan, and the maximum overdraft limit is RMB 1 10,000 Yuan.
4. For corporate cards, the maximum overdraft limit of comprehensive credit granted by customers is 3%, which shall not exceed 3 million yuan. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.
Credit card overdraft limit of Agricultural Bank of China
1. The maximum overdraft limit of credit card personal Capka of Agricultural Bank of China is 50,000 yuan (including the equivalent amount).
2. The overdraft limit of China Agricultural Bank's credit card gold card is RMB 200,000.
3. The minimum overdraft limit of Platinum Card is RMB 654.38+10,000 Yuan, and the maximum overdraft limit is RMB 1 10,000 Yuan.
4. For corporate cards, the maximum overdraft limit of comprehensive credit granted by customers is 3%, which shall not exceed 3 million yuan. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.
The overdraft limit of a credit card is also directly related to the relevant materials and information of the cardholder at the time of application. For example, personal income, real estate, vehicles and the nature of personal work are used as proof materials to limit the upper limit of credit cards. The overdraft limit of the same credit card will increase with the cardholder's consumption limit, and it will automatically increase within half a year or a year.
pay by Installments
Agricultural Bank of China credit card installment payment refers to the business that when the cardholder uses the credit card to make a large amount of consumption, the issuing bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumer funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount.
Most domestic banks have credit card installment business, and installment payment is generally divided into POS installment, "mail order installment" and billing installment through the Internet and mail according to different occasions.
Shopping center installment payment
Also known as POS staging, it means that cardholders go to shopping places, such as "shopping malls" where staging can be carried out. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue).
Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.
Mail order installment payment
It means that the cardholder receives the installment mail order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.
Bill installment payment
This is the most convenient staging method, which can be basically supported by all issuers, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully.
The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.
This concludes the introduction of the general credit line of Agricultural Bank of China and the upper limit of the general credit line of Agricultural Bank of China. I wonder if you have found the information you need?