The personal bank credit limit is as follows:

First of all, what is a credit limit?

To put it simply, it is the credit limit that the bank gives you! For example, if you apply for a credit card with a limit of 50,000 yuan, then the bank's credit limit to you is 50,000 yuan.

What is long-term credit?

If you apply for a second card in addition to the first card, with a credit limit of 30,000 yuan, that means you have been granted credit of 50,000 yuan and 30,000 yuan by two banks at the same time! In the same way, if more than 2 (inclusive) banks have issued you a credit card, it is a multi-credit grant, or it can be understood that many banks have issued a credit card to you.

What is total credit?

This is a somewhat complicated systemic issue. Simply put, it is the overall credit limit that the bank gives you based on your personal risk control rating in the central bank’s credit system, which is what you currently hold. Summary of credit card limits from major banks. The source of this total credit limit is a dynamic limit determined based on each person’s asset information. Generally speaking, the source of this information will not be less than the information in the following pictures:

① Personal credit information Information, such as whether it is overdue, loan, liability type, etc.!

②Basic personal information such as professional identity, age, name, marriage, etc.

③Wealth valuation (very complex, including RVs)

④Annual debt repayment ability

⑤Personal information from industrial and commercial departments, such as investments Which company did you work for, what position did you hold, etc.

⑥Which banks’ credit cards have you applied for, debt ratio & debt amount (high, medium, low), etc.

⑦Mobile phone number usage time

In addition to the above-mentioned personal credit report information that is more common on the market, there are many other personal information that are recorded in the total credit. In short, banks will obtain your personal information from almost all channels that can obtain your information, such as official and private credit agencies, inter-bank, industrial and commercial, public security, etc.

Then use this system to make a comprehensive analysis based on your age, working hours, social security payments, salary income, deposits from various banks, cars, houses (loans), and the use of credit card limits. judge.

For example: A person has a monthly salary of 10,000, no car, no house, and no social security. The total credit granted by the People's Bank of China to this type of person is 200,000. He applies for a line of 100,000 from Bank A, 60,000 from Bank B, and 60,000 from Bank C. 40,000. Bank C was about to raise the credit limit, but it prompted that the total credit limit was too high. I went to Bank D to apply for a credit card, but the system directly rejected it.

Reason: If the limit given to you by one bank is too high, it will cause other banks to give you too small a limit, or even fail to approve it. For example, a card friend went to CITIC for an interview, and the bank informed him that your total credit limit is 470,000, but your current credit limit on all cards is already 480,000, causing him to be rejected.

According to this scoring system, each of us has a different total credit limit. Maybe we can’t see anything when we first apply for a credit card, but in fact, from the time we apply for the first credit card, the total credit limit The ceiling has already appeared.