What is the general credit limit?

Regarding credit card limits, different card types have different credit limits. Credit cards can generally be divided into three levels: regular card, gold card, and platinum card:

The limit of a regular card is generally less than 10,000, and most are only a few thousand; the limit of a gold card generally ranges from Between 10,000 and 50,000; the starting limit of a platinum card is usually 50,000, and some can reach hundreds of thousands or even hundreds of thousands. Higher-end cards can even have a limit of millions, and top foreign black cards have no limit (domestic black cards have a maximum limit of tens of millions).

Also, everyone needs to note that the bank will also consider the credit status of the customer when approving the credit limit. Generally, customers with better credit and higher economic level will have a higher credit limit when applying for a card. On the other hand, if the customer's credit is average and the card he applies for is an ordinary card type, he usually won't be approved for a very high limit.

Of course, the credit card limit is not static. Even if the initial limit is not high enough, as long as you use the card well and accumulate good credit, the bank will increase the limit for the customer.

What is the limit for a credit card application?

The credit card limit is determined by the bank based on the applicant's credit conditions and the card level applied for. Generally, the following standards are followed:

1 , Common credit card limit: between 0-10,000 yuan;

2. Credit card gold card limit: between 10,000-50,000 yuan;

3. Platinum card and above Level: 50,000 and above.

The specific limit is subject to the final approval of the bank. If you want to obtain a high limit, try to provide as many financial proofs as possible to ensure a good credit report, and apply for the card through a door-to-door salesperson or over the counter at a bank outlet.

Things to note when canceling a credit card:

1. Pay off the card account first

Before canceling the card, the first thing we need to do is to Pay off all card accounts, including the annual fee, because if the annual fee is not paid, the cardholder will be considered overdue, and it will also affect the credit report.

2. It is not recommended to cancel an overdue credit card immediately

When canceling a card, the editor still does not recommend that you cancel an overdue credit card, because even if the card is cancelled, Overdue cards are still displayed on our credit report, so we recommend that you continue to use this type of card until the normal records overwrite the negative records, and then choose to cancel the card.

For cardholders who currently have negative records, it is more embarrassing, because of the upcoming new credit reporting regulations, the negative records will follow you for five years.

3. How to cancel the card

When canceling the card, we can choose to call the bank’s customer service number or go to the bank directly, but no matter which method is used, the bank will not accept the card cancellation. The card will be canceled within 45 days after the application, so as long as we make sure that after submitting the application, we must destroy the canceled credit card, that is, cut the card, to prevent someone with ulterior motives from obtaining your card during the cancellation period and thereby committing some illegal crimes. Behavior that harms the interests of cardholders.

Once you enter the card cancellation period, in order to avoid card debt in the future, you should not continue to use this card.

4. Card cancellation and account cancellation

After canceling the credit card, the bank will still save all your application information for future use when applying or handling other business. If you If you don't plan to have anything to do with this bank anymore, you can apply to cancel your account if you have a card from this bank in your name. Canceling the account will not have any impact on the credit report. It will only display the words account cancellation or card cancellation. Once the account is closed, you will have to resubmit the information when you go to this bank to handle business in the future. Although the account cancellation will not affect the credit report, it will Repeated account cancellations will bring a lot of inconvenience to the handling of banking business.

It is recommended that everyone use credit cards reasonably. If you are not sure about the status of your credit card, you can get a credit card evaluation report from the card evaluation. Through this public platform, you can see if there are any abnormalities in your card usage and what you need to pay attention to. consumption, to avoid over-consumption, and in daily life, usually two or three credit cards are enough for us to use normally, so it is not recommended that you apply for a large number of credit cards, because every application will leave a record on your credit report , repeated applications will make the bank think that we are very short of money, which will have a certain impact on future applications for loans to buy houses and cars.

What is the general initial limit of a credit card?

According to the bank's general credit card classification, credit cards can be divided into four types: regular card, gold card, platinum card and unlimited card. The corresponding credit card limit It's also different.

Usually, the limit of the regular card is between 1,000 and 10,000, which is suitable for ordinary working-class people; the limit of the gold card is between 10,000 and 50,000, which requires the applicant to have a certain financial strength; the platinum card and unlimited The card is a symbol of distinguished status. The general limit is more than 50,000, with no upper limit. The specific credit card limit needs to be evaluated and determined by the bank based on your comprehensive qualifications.

If you have an annual income of RMB 50,000 to RMB 70,000 and have social security payments, the approval limit for applying for a credit card is generally above RMB 15,000, which is about twice your monthly income, and it falls into the category of gold card. I wish you can apply for the card as soon as possible. success.

To apply for a new card, just call the customer service of the credit card you applied for. After losing the credit card, if your repayment date comes, there are several solutions:

1. If you have just reported the loss of your credit card and have not yet applied for a new one, you can use online banking to transfer and repay, or you can use the third-party software you have bound before to make repayment, such as WeChat, Alipay, etc. Be sure to repay in time to prevent overdue repayment from adversely affecting you.

2. If you report the loss of your credit card and apply for a new card in time, if you are still waiting for the new card, your repayment date is approaching. At this time, you can call the customer service number and ask Just download your new card and use the new card to make repayments.

3. If you apply for a new card in time and receive a new card, then just follow the normal procedures for repayment.

Be sure to note that during the period when the credit card is lost and reported as lost, all your business and interest calculations will not stop and everything will be normal. Even if you do not use it, there will be deductions. For example, the annual fee will continue to be deducted. . Therefore, you must make timely repayments to prevent overdue payments from happening, which will affect your creditworthiness.

The role of credit cards:

It makes people’s lives easier and saves the trouble of carrying cash. There are no geographical restrictions on the use of credit cards. No matter when you swipe your card anywhere in the country, as long as you have UnionPay logos can be swiped, and there is no handling fee;

You can participate in various preferential and discount activities cooperated by merchants and banks;

Points obtained by swiping card purchases can be exchanged for gifts;< /p>

Timely repayment after swiping the card can improve personal bank credibility.

Uses of credit cards:

1. Shopping.

2. Microcredit.

3. Save money.

4. Save money when shopping.

5. Credit card value-added services, get cheap insurance and travel.

6. Credit certificate.

Disadvantages of credit cards:

Swiping a card is not like spending money one by one like paying with cash. Spending with a card can easily blur the cardholder's concept of money, leading to blind consumption;

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If the cardholder cannot repay on time, the bank will charge high interest;

Credit cards basically default to password-free payment, which makes it easy to be lost or stolen. Being stolen by others, causing unnecessary trouble or losses;

Long-term malicious debt will naturally affect your personal credit record and even be blacklisted by the bank. If you want to borrow money from the bank to buy a house or a car in the future, you will have to There is a possibility of being rejected by the bank.

What is the general limit of a credit card?

The credit card limit is determined by the bank based on the applicant's credit conditions and the card level applied for. It generally follows the standard credit card limit: 0 -10,000 yuan; credit card gold card limit: between 10,000-50,000 yuan; platinum card and above: more than 50,000 yuan.

1. According to the bank’s general classification of credit card levels, credit cards can be divided into four types: regular card, gold card, platinum card and unlimited card, and the corresponding credit card limits are also different. Normally, the limit of a regular card is between 1,000 and 10,000, which is suitable for ordinary working-class people; the limit of a gold card is between 10,000 and 50,000, which requires the applicant to have a certain financial strength; the platinum card and the unlimited card are symbols of distinguished status. , the general limit is above 50,000, with no upper limit. The specific credit card limit needs to be evaluated and determined by the bank based on your comprehensive qualifications.

2. The emergence of credit cards has given us more credit cards, so credit cards are very popular with the public on the market.

But for us ordinary people, what is the general limit if we want to apply for a credit card? In order to let users understand this issue clearly, let me introduce it to you below.

3. It is understood that the most important conditions for applying for a credit card now are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. However, as for the credit card limit that ordinary people apply for, the credit card limit is actually uncertain. It is mainly reviewed based on the materials you provide in your application. If the source of income is relatively stable, the credit card limit you apply for is relatively high.

4. Credit cards are issued by banks, and their authority and security have been recognized. Although advanced consumption may be contrary to some people’s ideas, it has to be said that the increase in the share of credit cards has also given rise to It has brought convenience to residents’ lives, and it has also increased the performance of banks.

This ends the introduction about the general application limit for credit cards and the general application limit for credit cards in the tens of thousands. I don’t know what you will find from it. Got the information you need?