1. Occupation is the most important factor.

Generally speaking, stable occupations have higher quotas than other occupations, which is automatically set by the system. For example, if you check the boxes of "Finance", "Energy", "State-owned" and "Listed Companies", the amount will generally not be less than 10,000. If it is a small private company, it may only start from 5K.

2. Property is also a very important factor.

Especially for the self-employed. The level of the quota has a lot to do with whether the information is complete. Providing more real estate certificates, driving licenses, deposit certificates, etc. will play an important role in increasing the limit. As for bank flow, it seems to be very important, but in fact it does not play a big role, so there are so many in and out, nothing can be seen.

3. Credit

First, it depends on the level of bank credit (mainly loans) obtained, and second, it depends on the repayment record. Generally speaking, the higher the bank's credit limit and the better the repayment record, the higher the credit limit you will get. Some banks like to use credit cards to apply for credit cards, while others don't. Those with too high credit card limits are considered high-risk. Credit is the most complex issue, including loan limit, repayment record, overdue status, guarantee limit, etc.

4. Policies

Different banks have different policies, some are relatively stable and some are more radical. When taking on a task, the quota is easy to apply for, but when the defective rate is too high, it is usually the lower limit. Different banks have different views on the same issue. For example, if you hold three platinum credit cards, each with a limit of 10W, you may be approved by the Bank of Communications for only a limit of 1.6W. However, when you go to China Everbright, the credit card will be directly rejected. Some banks think that customers who apply for installment payment are good customers and the bank makes money, while others think that customers who pay in installments are not able to repay.

The credit card repayment date, also known as the credit card repayment due date, refers to the last date when the credit card issuing bank requires the cardholder to repay the amount due. In other words, after the card issuing bank issues the bill, you should repay it when it is due. Pay off all your previous expenses before the payment date.

In fact, the repayment due date is the last day of the interest-free repayment period. Repayments before this date are interest-free. Overdue interest and late payment fees will be charged. The interest-free repayment period is different for each bank.

Notes

The due payment date is also called the final payment date. If you do not repay in full before the due payment date and do not choose the minimum payment on your credit card, If you repay the amount, the penalties you may face are:

1. All consumption payments will no longer enjoy the interest-free repayment treatment. The bank will calculate interest on a daily basis from the day when the consumption occurs, using the consumption amount as the principal. , with a daily interest of 0.05% and compound interest calculated on a monthly basis;

2. Receive a reminder call and letter from the bank;

3. Freeze your account and will Your debt record will be fed back to the People's Bank of China and recorded in your credit file, which will affect your personal credit;

If you really do not have enough money to repay in full on the due payment date, then please choose a credit card Repay with the minimum repayment amount. If you repay in this way, you only need to repay 10% of the total cost in each installment. In this way, although there is no interest-free repayment period, personal credit will be avoided.

The common domestic credit card repayment methods mainly include the following categories (according to the level of fees):

In-bank repayment

This repayment method mainly includes: card issuance Bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. After repayment, the credit card limit will be restored immediately, and the payment will generally be credited to the account after the system processes it on the same day.

Mobile repayment

The mobile phone is a personal payment terminal of the mobile financial system, which can be used to directly repay the loan by swiping the card, and can also perform transfers and other services. Instant payment!

Convenience store repayment

Convenience store repayment is mainly completed through the "Lakala" smart payment terminal installed in the convenience store. It usually takes 2 to 3 working days to arrive in the account, and there is no handling fee for repayment using this method.

Online repayment

The more common online repayment methods in China include: Baidu Wallet, UnionPay Online, Kuaiqian, Shengfutong, Alipay, Yipay, etc.

Depending on the platform and bank you choose, the charging standards and specific payment arrival time will be different.

Inter-bank transfer

Inter-bank transfer/remittance repayment is mainly divided into two methods: inter-bank in the same city and inter-bank in different places. Regardless of the method of transfer or remittance, the remittance bank will charge a certain fee. At the same time, the time it takes for the money to arrive and the convenience of repayment are not as good as intra-peer repayment, online repayment, convenience store repayment and other methods.

Counter Pass

Counter Pass refers to the bank cards issued by various networked financial institutions. RMB current deposits can be made through the counters of other bank branches registered in the UnionPay Exchange Center host system. Withdrawal transactions.

Lakala

Cardholders can complete credit card repayments, mobile phone recharges, online bill payments and other services through convenience stores, bank outlets or purchasing "Lakala" device terminals.

Xinfutong

The "Xinfutong" smart card swiping phone was independently developed by China UnionPay, certified by the Bank Card Testing Center, and provided with financial service support by China UnionPay's inter-bank information exchange network of innovative electronic products.

Repayment Tong

Use "Repayment Tong" to repay, and the fees are generally charged according to the fee standards for intra-city inter-bank transfers and long-distance inter-bank remittances stipulated by the local People's Bank of China.

Intelligent repayment

The new industry, its main function is to use the balance of about 5-10% in the card to formulate a consumption and repayment plan and then execute automatic payment through a licensed payment company The purpose of recurring consumption repayment is to achieve full repayment, and a certain handling fee is charged. The basic functions include bill management, local payment, free card application, etc.