The biggest highlight of credit card is that the cardholder can enjoy a certain overdraft right of credit line, and overdraft has a certain interest-free period. Many card friends expressed for the first time that they wanted to know the maximum amount of credit card overdraft. I will give you an answer today.
The maximum amount of credit card overdraft is determined by the credit limit of the credit card. The credit card limit is 654.38+00000 yuan, so the maximum overdraft limit of the cardholder is 654.38+00000 yuan; The credit card limit is 20,000 yuan, so the maximum overdraft limit is 20,000 yuan.
Under normal circumstances, the bank will make a comprehensive evaluation according to the credit status of the credit card applicant, and then decide how much to issue to the cardholder for overdraft. For the first time to apply for a credit card, in order to prevent and control risks, the credit card amount issued by the bank will not be too high, and the maximum amount that the cardholder can overdraw is also limited.
Starting from the level of credit card, the maximum overdraft limit of credit card is as follows:
Puka: the maximum overdraft limit is 6,543,800 yuan;
Gold card: the maximum overdraft limit is 50,000 yuan;
Platinum card and above: the overdraft limit is generally above 50,000 yuan.
If it is the first time to apply for a credit card, in order to avoid bank refusal, it is best to choose an ordinary card or a gold card, and the maximum overdraft limit is generally between 3000 yuan and 1000 yuan.
What is the maximum amount of personal credit card allowed by the state? I mean the total.
At present, there is no limit on the number and maximum amount of credit cards held by individuals. The bank sets the single card amount according to the customer's credit score and risk management needs, but for the overdraft balance, Article 45 of the Measures for the Administration of Bank Card Business stipulates that:
Forty-fifth card-issuing banks should follow the following credit card business risk control indicators:
(1) The single overdraft amount of the same cardholder's personal card shall not exceed 20,000 yuan (including equivalent foreign currency), and the single overdraft amount of the corporate card shall not exceed 50,000 yuan (including equivalent foreign currency).
(2) The monthly overdraft balance of an individual card in the same account shall not exceed 50,000 yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted by the issuing bank to the unit. The monthly overdraft balance of the unit without comprehensive credit line for reference shall not exceed 654.38 million yuan (including equivalent foreign currency).
(3) The overdraft limit of foreign currency cards shall not exceed 80% of the cardholder's deposits (including the pledged amount of certificates of deposit).
(4) The monthly average overdraft balance that newly occurs over 180 days (including 180 days, the same below) since the implementation date of these Measures shall not exceed 15% of the monthly average overdraft balance.
This method is still effective at present. Please refer to Item 2 1 of the Catalogue of Current Effective Rules of the People's Bank of China.
Reference source: 1, China Net-Measures for the Administration of Bank Card Business;
What is the maximum credit card limit?
The maximum credit card amount can reach more than 654.38+0 million, depending on personal qualifications. The higher the education, the greater the credit card limit.
Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan.
Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal? . 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.
A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.
The introduction of the maximum overdraft limit of credit cards ends here.