how to overdraw and withdraw cash from industrial and commercial credit cards?
it should be ok.
A credit card is a kind of "overdraft card", that is, you don't need money in your card to spend money. The bank will approve a credit line for you, for example, 3, yuan per month, so you can spend 3, yuan without saving money in one month and pay it back next month.
you can consult local bank outlets when handling credit cards. Now banks are eager for you to apply for a card, so they will tell you the procedures in detail. Generally, as long as you have a stable income, you can apply for a credit card.
the minimum repayment amount refers to a percentage of the total amount owed to the bank after you swiped your card last month. Some banks are 1%. For example, if you spent 3, yuan last month, you should pay 3, yuan back to the bank this month, and the bank won't charge any interest. But if you are short of money, you can only pay 3 yuan back. The remaining 2,7 can be paid back when you have money. Of course, the bank will calculate the interest, and it is very high, so it is best to repay it in full.
credit cards can be cashed, but there is a handling fee, and the bank will calculate interest as soon as the cash is taken out, which is not cost-effective. So it's best to just spend by credit card.
how much can an industrial and commercial credit card overdraw? What are the conditions for raising the limit of industrial and commercial credit cards?
overdraft limit of industrial and commercial credit card
The available overdraft limit of industrial and commercial credit card refers to the maximum limit approved by ICBC for overdraft consumption and cash withdrawal according to the cardholder's income and credit standing, and the cardholder can recycle it within the validity period of the credit card.
The available overdraft limit of industrial and commercial credit cards is related to the types of cards. As quasi-credit cards, the limit of Peony Credit Card is fixed at 1, yuan for gold card and 5, yuan for ordinary card, while the limit of Peony RMB Credit Card and Peony International Credit Card ranges from to 5, yuan, which is determined by ICBC Credit Card Center according to the evaluation results of the cardholders' solvency.
ICBC's platinum credit card overdraft limit is strictly approved, and its initial limit is generally not lower than a fixed minimum limit. The specific value is related to the policies of local credit card centers. The Beijing area is RMB 2,, and most other areas are people, 5, yuan or 1, yuan/1, US dollars.
conditions for raising the limit of ICBC credit card
1. ICBC credit card users can apply to the credit card center for raising the limit after being activated for more than half a year (18 days or six bills). It takes more than half a year for the first withdrawal, and it is normally used (generally, the average monthly consumption is required to be above 3% of the quota) and there is no bad record for 6 months. Peony credit card has a fixed amount, and no adjustment service is provided.
2. If the withdrawal is successful, the second withdrawal application must be made three months after the first withdrawal; if it is unsuccessful, you can apply again. The maximum amount of each withdrawal is 1% of the original amount. High-quality customers with excellent consumption conditions also have successful examples of withdrawing money after using the card for 3 months.
In addition, the repayment credit status without bad records within six months is only the basic condition for applying for withdrawal. Whether the withdrawal can be successful and how much the amount can be increased depends on the cardholder's average monthly consumption amount and consumption type.
How much can ICBC overdraw and how to operate
The available overdraft limit of ICBC's credit card refers to the maximum limit that ICBC can use for overdraft consumption and cash withdrawal according to the cardholder's income and credit standing, and the cardholder can recycle the credit card within the validity period.
The available overdraft limit of ICBC's credit card is related to the card type. As a quasi-credit card, the limit of Peony Credit Card is fixed at 1, yuan for gold card and 5, yuan for ordinary card, while the limit of Peony RMB Credit Card and Peony International Credit Card ranges from to 5, yuan, which is determined by ICBC Credit Card Center according to the evaluation result of the cardholder's solvency. ICBC's credit card can be overdrawn, and ICBC's Platinum Credit Card is strictly approved, and its initial limit is generally not lower than a fixed minimum limit. The specific value is related to the policies of local credit card centers. It is RMB 2, in Beijing and RMB 5, or RMB 1,/USD 1, in other regions.
if you want to check the credit card limit, you can call the customer service hotline.
This concludes the introduction of how to overdraw the industrial and commercial credit card and how to overdraw the limit of the industrial and commercial credit card. Did you find the information you need?