The credit card limit of Bank of Communications is generally five ways to inquire about the credit card limit
The credit card limit is not a fixed value, and banks often give it different limits according to the repayment ability, economic strength and credit information of the applicant. Then friends who want to run a bank of communications credit card will definitely want to know, what is the credit card limit of bank of communications in general, and through what channels can the credit card limit inquiry be known? I will give you the answer below.
what is the credit limit of Bank of Communications?
According to different credit card grades, Bank of Communications credit cards have different credit limits. The higher the grade, the higher the credit limit, and the better the qualification of the applicant is required.
the range of general credit card quota: 1,-1, yuan;
gold card limit range: 1-5 yuan;
the amount of platinum card: generally, it is more than 5, yuan, and the maximum amount can be more than 1 million yuan.
the credit card limit is mainly determined by the applicant's personal and economic conditions.
how to check the credit card limit of bank of communications
query method 1: online banking
log in to online banking of bank of communications, and select a common account to query the available credit card limit of bank of communications.
query method 2: mobile phone client
download and log in to the mobile phone client of Bank of Communications, and click the account information to query the available credit card limit of Bank of Communications.
inquiry method 3: customer service telephone
call the 24-hour customer service hotline of Bank of Communications at 4-8-9888, and inquire about the credit card limit of Bank of Communications according to the prompts.
query method 4: SMS
use the reserved mobile phone number and edit the SMS "CC limit # last four digits" to 95559 to query the current available credit card limit and current cash withdrawal limit of the specified card.
inquiry method 5: bill
cardholders can inquire about the credit card limit available in the current month on the credit card statement sent by Bank of Communications.
How to check the credit card limit of Bank of Communications
The credit card limit of Bank of Communications can be inquired by the following five methods:
1. Customer service telephone inquiry. You can call the 24-hour customer service hotline of Bank of Communications at 4-8-9888, and then inquire according to the voice prompts.
2. SMS inquiry. Use the reserved mobile phone number, edit the short message "last four digits of CC limit #" to 95559, and you can query the current available credit card limit and current withdrawal limit.
3. online banking inquiry. You can log in to the online bank of Bank of Communications and select a common account number to query the available quota.
4. bill inquiry. Cardholders can check your available credit limit for the current month on the credit card statement issued to you by the bank.
5, mobile phone client query. You can download and log on to the mobile phone client of Bank of Communications, and click on the account information to inquire about the available amount
In May p>25, just as Bank of Communications was preparing to enter the credit card business, it happened that the domestic market was full of smoke: major domestic banks entered the market one after another, and the competition became increasingly fierce; Among the foreign banks, there are pioneers who aim at the China market and join hands with domestic banks to establish a model of joint credit card promotion between domestic and foreign banks.
in the face of unfavorable competitive situation, how can Bank of Communications reverse the passive situation and win the leading position in the credit card market? As early as October 24, before the establishment of the Pacific Credit Card Center, Bank of Communications had been thinking about two issues: first, the positioning of customers; Second, the advantages of strategic alliance with HSBC.
After a series of evaluation and research, Bank of Communications named customer orientation for this credit card: "A group of people who have ideals and pursuits in life and career, know how to enjoy themselves, are more willing to struggle, and sometimes have the need to study, do business, investigate or travel abroad, and are also a group of people with high living standards who are willing to try new consumption habits." Subsequently, Bank of Communications and HSBC jointly launched the "China People's Global Card"-"Bank of Communications Pacific Dual Currency Credit Card".
This card captures the dual advantages of Bank of Communications and HSBC: Bank of Communications has more than 2,6 branches in more than 13 cities in China; As well as the Mianmi banking network system of HSBC, the second largest financial institution in the world, make this "China people's global card" shine brilliantly and bring a unique card experience. The cooperation between the two banks has also set an example for the development of international cooperation in China's banking industry.
a small credit card is a perfect blend of Chinese and western cultures. On the card faces of the Golden Card and the Puka Card, the Phoenix and koi fish, which symbolize honor and auspiciousness in the traditional cultures of the earth and China, are painted respectively. Taking the meaning of "the spirit of yue longmen carp and the prestige of phoenix dancing for nine days", the characteristics of China culture and HSBC's global service are fully integrated into a small card, giving an accurate interpretation of "China people's global card".
Bank of Communications Credit Card is not afraid of hardships and is determined to innovate. It has been committed to providing better services and creating a better life for cardholders and making unremitting efforts to help more China people enjoy world-class courtesy more easily.
on April 18th, 221, Bank of Communications Credit Card announced YiBo as the global spokesperson of the brand through the official Weibo.
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how to check the credit card limit of Bank of Communications
Bring your credit card and ID card to the counter of the bank's business outlets to check.
the credit card limit depends on the effective income and the value of the asset guarantee provided by the individual in the application process. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit.
according to article 45 of the measures for the administration of bank card business, the card-issuing bank shall abide by the following risk control indicators of credit card business:
(1) the amount of single overdraft of the same cardholder shall not exceed 2, yuan (including foreign currency equivalent) for individual cards and 5, yuan (including foreign currency equivalent) for corporate cards.
(2) The monthly overdraft balance of an individual card in the same account shall not exceed 5, yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted to the unit by the issuing bank. The monthly overdraft balance of a unit without comprehensive credit line for reference shall not exceed 1, yuan (including equivalent foreign currency).
(3) The overdraft limit of a foreign currency card shall not exceed 8% of the cardholder's deposit (including the pledged amount of savings deposit). (four) from the date of implementation of these measures, the average monthly overdraft balance of more than 18 days (including 18 days, the same below) shall not exceed 15% of the total monthly overdraft balance.
Extended information
Note on credit card use:
After receiving a new card, check the name, expiration date, bank card type and reserved information on the bank card in time. Sign the signature strip on the back of the bank card as soon as possible.
When writing, you should avoid using too neat signature, and use the signature method that best represents you, and don't alter it. Please change the initial password at the counter of the bank outlet in time. Don't use simple passwords such as six repeated numbers, date of birth and the last six digits of your ID card. Don't disclose the bank card password to others.
when using a bank card, don't let the bank card leave your sight, just take it as you need it, and take it back immediately after use. Do not give criminals the opportunity to forge and fraudulently use bank cards. In addition, we should develop the habit of keeping all kinds of documents properly after the transaction, and we should not simply dispose of them at will. It can be blacked out and torn up like a courier, so as to prevent criminals from grasping the user's information through such documents.
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How to check the credit of the Bank of Communications credit card?
Bank of Communications credit card credit line inquiry method:
1. Customer service telephone inquiry. You can call the bank's 24-hour customer service hotline at 4-8-9888 and follow the prompts to inquire.
2. SMS inquiry. You can use the reserved mobile phone number, edit the short message "last four digits of CC limit #" to 95559, and you can query the current available limit and current withdrawal limit of the designated card.
3. online banking inquiry. You can log in to the online bank of Bank of Communications, and select a common account number to query the available quota.
4. bill inquiry. Cardholders can check the available amount of the current month on the credit card statement issued by each bank.
5, mobile phone client query. You can download and log on to the mobile client of Bank of Communications, and click on the account information to query the available quota.
How much is the credit card limit of Bank of Communications?
When it comes to the credit card of Bank of Communications, most cardholders may think of two preferential activities, namely "the most popular Friday" and "Weekly Brush". In fact, in addition to the activities, there are many places worth applying for the Bank of Communications credit card. If you are interested, you can take a look at the credit line of Bank of Communications and how to inquire about it.
1. How much is the credit card limit of Bank of Communications
The bank will comprehensively consider the applicant's various factors, such as economic ability, technical title and work situation, education level, marital status, personal housing, credit history, etc., to make a comprehensive score, and finally decide the specific amount. Therefore, the credit card amount issued by Bank of Communications is different for different applicants.
the range of general credit card quota: 1,-1, yuan.
gold card limit range: 1,-5, yuan.
the amount of platinum card: generally, it is more than 5, yuan, and the maximum amount can be more than 1 million yuan.
2. Credit card limit inquiry of Bank of Communications
1. Customer service telephone inquiry
Cardholders can directly call the bank's 24-hour customer service hotline 4-8-9888, and after verifying their identity information, they can inquire according to the prompts.
2. Online banking inquiry
You can log in to the online banking of Bank of Communications and select a common account to inquire about the available quota.
3. Inquiring about the mobile phone client
You can download and log in to the mobile phone client of Bank of Communications, and click on the account information to inquire about the available line.
4. SMS inquiry
You need to use the mobile phone number reserved by the bank, and edit the SMS "CC limit # last four digits" to 95559 to inquire about the current available limit and current withdrawal limit of the designated card.
5. Bill inquiry
Summary: The credit card limit of Bank of Communications is not only restricted by the card grade, but also determined by the applicant's own card application conditions. If you want to know your credit card limit anytime and anywhere, you can inquire in the above five ways.
Let's stop here for the introduction of credit card limit inquiry of Bank of Communications.