How to check the credit card limit
There are actually many ways to check the credit card limit. In the process of daily use, users can check through the following methods: 1. ATM machine query. This is one of the query methods used by many users. The specific operation method is basically the same as the balance query of a debit card. At the same time, you can also use this method to pay off your credit card bills, which is more convenient.
2. Telephone inquiry. When checking the balance of a credit card, users can dial the customer service number on the back of the credit card. In this way, the balance in the credit card can also be quickly checked.
3. Inquiry via online banking or mobile banking. The prerequisite for using this method of inquiry is that the user's credit card must have online banking or mobile banking functions. Only then can we make inquiries.
4. Check at the counter. If you don’t understand the above inquiry methods, users can also make inquiries through the bank’s counter. However, this method is relatively troublesome and wastes a long time.
Notes: 1. The credit card limit is not static. As long as the user maintains good credit, the bank will evaluate the user every once in a while and grant a new limit.
2. Credit card payments must be made on time. Once a credit card becomes overdue, the bank will report it to the central bank's personal credit reporting system. Therefore, users must repay their loans on time.
How to check credit card limit
There are many ways to check credit card limit. In order to avoid spending exceeding the credit card limit, cardholders are advised to check their credit limit at any time. 1. Telephone inquiry: Call the bank’s customer service number and provide your identity information and card information to inquire. Calls will be charged according to local call rates. 2. Online banking inquiry: Log in to the bank's official website and enter your identity information to inquire. The actual operation should be based on the prompts on the bank's official website. 3. SMS query: Use the mobile phone number reserved by the bank to send the content required by the bank to the bank service number to query the credit limit. 4. WeChat public account inquiry: Follow the bank's official account or service account, and follow the prompts to inquire the credit card limit. 5. Counter inquiry: Just bring your ID card to the counter to inquire. 6. Credit card statements: The easiest way is of course to wait for the bank's monthly statement to arrive, then it will be clear at a glance.
Operating environment: Microsoft Edge version 95.0.1020.40 Huawei nova5 WeChat Version 8.0.16
1. The excess part of the credit card repayment will be deposited in the credit card account, forming an overpayment The deposit is also called overflow deposit. Since credit cards are different from debit cards, money stored in a credit card does not accrue interest, which is a waste. For this reason, we need to withdraw the overpayment. Although the overpayment does not generate income, a handling fee will be charged for withdrawal. Generally, CITIC credit cards are calculated as 2% of the cash withdrawal amount, with a minimum standard of 20 yuan per transaction. Overseas cash withdrawals are calculated as 3% of the cash withdrawal amount, with a minimum standard of 3 US dollars, 30 Hong Kong dollars or 3 euros.
2. Credit card limit, also known as credit card available limit, refers to the limit that the user can ultimately use on the credit card, including personal credit limit (i.e. credit card overdraft credit card limit) and deposit The credit limit of a credit card is based on the reasonable income provided by the individual during the application process and the use value of the property loan guarantee. The personal credit limit of a credit card is directly proportional to the applicant's income and loan security property, that is, the higher the income and loan security property, the higher the amount. Therefore, applicants must provide proof of income, provident fund personal social security and property loan guarantees.
How to check credit card limit on mobile phone
The method to check credit card limit is as follows:
1. Telephone inquiry: This is the simplest and most direct method. Cardholders only need to call the bank's customer service number and provide them with their identity information and card information to check their personal credit limit.
2. Online banking inquiry: This is also a relatively simple and fast method. Cardholders only need to log in to the bank's official website and enter their identity information to inquire about their personal credit limit.
3. SMS inquiry: Most banks have set up SMS inquiry services for personal credit limits.
Cardholders only need to use the mobile phone number reserved by the bank to send the content required by the bank to the bank service number to check the credit limit.
4. Counter inquiry: Cardholders can also choose to inquire at the counter, but they need to take a number and queue up.
5. Bill inquiry: Your credit card limit will be listed on the credit card statement you receive every month.
In daily life, we often encounter situations where things don’t work. At this time, we can choose to pay the minimum repayment limit, so as to ensure that our personal credit record will not be affected, and at the same time, we will not incur too many late fees. However, special attention should be paid to the fact that the minimum repayment amount must be paid in full, otherwise you will encounter high late payment fees.
How to check the credit card limit?
As more and more people apply for credit cards, many people have applied for credit cards from several banks. However, many people apply for credit cards for the first time and don’t know what the credit card limit is. The following is Please tell me how to check your credit card limit.
1. Telephone inquiry: You can call the credit card customer service number, follow the voice prompts to transfer to manual service, apply to the staff to inquire about the credit card limit, and then provide the ID number, and the inquiry can be made after verifying the identity.
2. Branch inquiry: You can bring your ID card and credit card to a credit card bank branch, and then apply to the bank staff to check the credit card limit. After verifying the personal identity information and credit card password, you can check the credit card limit.
3. Official website inquiry: You can log in to the official website of the credit card bank, and then log in to the personal credit card online banking account to view the credit card limit in my account.
If you want to check the credit card limit, you can check it through the above methods. Users can check the credit card limit according to their favorite method.
How to check credit card limit?
If you have not yet applied for a credit card from our bank, please refer to the credit card issuance limit when applying for the first time:
Ordinary card: up to 10,000 yuan
Gold card: up to 50,000 yuan yuan
Platinum and diamond cards: a fixed limit of 50,000 yuan, a temporary limit that is automatically adjusted for you every month
Unlimited credit card: subject to review results
Warmth Tip: The approved quota is mainly assessed based on factors such as job stability, income, and financial proof provided by the application, and is ultimately subject to the review results.
If you need to check the credit card limit in the card creation:
After the credit card is approved, a text message notification will be sent. It will take 1-2 weeks to send. You can call the credit card customer service hotline to select 3#-1-3 Enter the manual query of the issued credit card limit.
If you need to check the credit card limit currently in use:
1. Reply "#ED" to the credit card interactive text message to check the available limit, and send it to 106-579-5555 (mobile) or 9-5555 (China Unicom, China Telecom).
Warm reminder: ① Letters are not case-sensitive; ② The communication provider charges 0.1 yuan per text message, and China Merchants Bank does not charge any fee.
2. After logging in to mobile banking, select "My → All → Credit Card (Section) → My Account → Account Inquiry" to enter the page. You can see information such as the credit limit, available limit, payment due date, bill amount for the current period, remaining repayment amount for the current period, minimum remaining repayment amount for the current period, etc.;
3. Log in to online banking ( (Public Edition or Professional Edition), click "Account Management→Account Inquiry" to see the credit limit, available limit, repayment due date, bill amount of the current period, remaining repayment amount of the current period, and remaining minimum repayment of the current period. Amount and other information;
4. After logging in to Mobile Life, select "My → Credit Line" to query credit card fixed limit, available limit and other information.