5,000 to 200,000 yuan.

Because different banks have different regulations, in terms of loan amount, it will basically be related to the original credit card amount. With this credit card, you can apply for loans ranging from 5,000 yuan to 200,000 yuan without mortgage, as long as the credit card holder meets the requirements.

Related knowledge supplement:

Credit card loan related content

1. Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment. Period is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 installments.

2. Buying a car with a credit card loan is a credit card installment business launched by the bank. The credit limit that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit installment car purchase, and banks only charge fees, with different installment rates.

Credit card loan has zero interest, preferential handling fee, unsecured and unsecured installment payment. You can also enjoy credit card points feedback, without the burden of high loan interest, and you can also avoid cumbersome mortgage procedures. You can provide some materials to the bank, pay the handling fee in one lump sum and apply for a special credit card. The disadvantage is that the car price is limited, but you can choose most commonly used models.

3. Installment payment in shopping malls is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 (monthly) installments on average. Pay back the money on time according to the credit card bill every month. The cardholder chooses to go to the installment merchant store specially designated by the bank and complete the installment payment through the designated POS machine, which is referred to as "shopping mall installment payment".

How much can I borrow by credit card? So simple!

Now people have a high awareness of consumption in advance. Basically, everyone has 1-3 different credit cards, which can not only be used for daily consumption, but also apply for loans. Every bank has credit card products, so you can choose the right one according to your own needs. Today, let's introduce how much you can borrow with a credit card.

1, bad record

Having a credit card may not be able to apply for a successful loan. If the repayment record is poor, often malicious cash, high debt ratio, in fact, it is harmful to apply for loans. After all, banks review loans according to your credit history, so it is very necessary to use credit cards well.

2. Credit card bill

A beautiful credit card bill is very useful. Not only can you apply for bank loans, but many private loans also need to authorize credit card bills. Therefore, whether the credit card bill is overdue, how big the credit card amount is, and whether the credit card debt ratio is high or not are all points that the lending institution will review.

3. How much can I borrow by credit card?

Different banks have slightly different regulations, which are related to income level, real estate and personal credit records. Generally speaking, the minimum is not less than 2,000 yuan and the maximum is not more than 50,000 yuan. Now there are various credit card loans under the bank, such as China Merchants Bank and Bank of Communications. In addition to credit card installment, there is also cash withdrawal, and the amount will be higher.

In short, the maximum loan amount of a credit card can reach 100% of the credit limit. It is most important to increase the credit card limit and maintain a good credit record, which can help a lot at critical times.

What's the maximum credit card I can borrow?

The maximum amount that a credit card can borrow depends on how much cash the bank withdraws from the user. Different banks have different credit card limits.

The following are the credit card limits of the four major banks:

1. ICBC: The maximum credit card limit of ICBC can reach 200,000-500,000. The maximum credit card limit of ICBC varies from person to person, and the specific determinants are:

1. The applicant's assets, such as real estate, vehicles and bank deposits, are all factors to be considered.

2. The applicant's occupation. When applying for a credit card, ICBC requires the applicant to have a stable job, that is, a stable source of income, which is also an important factor for ICBC to examine the applicant's repayment ability.

3. The income of the applicant. On the one hand, it can prove whether the applicant has repayment ability; on the other hand, ICBC should check whether the applicant has the ability to use the credit line granted by ICBC according to the income situation.

4. The applicant's personal credit. For example, ICBC will review the applicant's use of bank cards in other banks. If the applicant has experienced bad consumption such as overdue repayment and overdue repayment in the process of using the bank card, these situations may affect the applicant's successful application for the maximum credit card limit.

Two. China Construction Bank:

1. The credit limit of CCB credit card is generally related to the credit limit of the cardholder's CCB credit card. The loan amount cannot exceed the credit line of the credit card, and the maximum loan amount cannot exceed 50,000 yuan.

2. The credit card loan of China Construction Bank, also called cash installment, is a credit card cash credit business launched by China Construction Bank. In addition, the overpayment and temporary credit line in CCB's credit card are not included in the calculation of loanable credit line, which means that the overpayment and temporary credit line of credit card have nothing to do with credit line.

3. If users need cash, they can overdraw CCB's credit card for cash withdrawal. The bank stipulates that the daily withdrawal of each card should not exceed 1 10,000 yuan, and the accumulated withdrawal fee should not exceed half of the credit card limit. The cash withdrawal fee is 0.5% of the cash withdrawal amount, with a minimum 2 yuan. In addition, there is no interest-free period for overdraft withdrawal. From the date of cash withdrawal, interest of five ten thousandths of the cash amount will be charged every day.

Three. Agricultural Bank of China: The limit of ordinary credit card is 2000-50000 (including equivalent foreign currency), and the limit of gold card is 50000-200000 (including equivalent foreign currency).

4. Bank of China: The eligibility and credit limit will be determined according to the personal financial certificate and comprehensive credit status submitted by the user when handling the credit card. Finally, the actual approval result shall prevail. General credit card limits range from 0 to 2 million yuan.

Can I get a credit card loan?

It's possible.

First of all, we must determine the conditions for applying for a loan. Lenders should have good personal credit information and stable income to pay their own loans. If these conditions are met, loans can generally be made. As it happens, these conditions are also needed to apply for a credit card. Both are necessary and sufficient conditions.

So with a credit card, you can usually get a loan. Let's know what a credit card loan is. Credit card loan refers to the overdraft function granted by the bank to the cardholder within a certain amount, which turns the consumer loan function of credit card into unsecured, and is actually a credit card-to-loan business. After the credit card application is approved, the bank will transfer part or all of the amount in the credit card to the debit card and repay it according to the repayment period agreed with the bank before.

Extended data

At present, credit card application for loans is not particularly strict. As long as the personal credit record is good, you can generally apply for a loan with a credit card. The specific loan amount will vary according to the personal financial information submitted when you apply for a credit card. Generally, about 5000 ~ 20000 yuan can be used for loans.

Finally, we should pay attention to the repayment after the credit card loan, that is, how much does it cost after the loan is completed? How much is the interest? This problem is of great concern to everyone. Generally, credit card loans are more suitable for short-term loans to solve temporary difficulties at hand, but not for long-term loans, and the interest is too high.