Do all CCB credit cards have *** limit? Here is the correct answer

The CCB credit card is the easiest to apply for a card among the four major state-owned banks. It attracts many cardholders to apply for the card. However, some cardholders will apply for more cards because their approved credit limit is relatively low. Zhang Jianxing credit card thinks that this can get more credit, but this is not the case. You must know that CCB credit card implements the principle of limit sharing, so having multiple credit cards will not have much effect on increasing the limit.

Many card friends don’t understand the credit card limit guarantee. They think that the more CCB credit cards you apply for, the more the total available limit will be. After all, in the eyes of many people, the available limit for multiple credit cards is the limit per person. The sum of the credit card limits, but the result is not the same. This is because the CCB credit card has the maximum limit.

The so-called limit sharing means that all credit cards under the same CCB account share a limit. This limit is mainly based on the highest card limit, and one of the credit cards is overdrafted. , will result in a reduction in the available quota. In addition, if you hold a dual-currency card, the limit of RMB and RMB is also exclusive.

For example:

If you have a CCB Dragon Card Premium Card with a limit of 30,000 yuan, and later apply for a CCB International Student Credit Card with a limit of 20,000 yuan, then It does not mean that the maximum available quota is 50,000 yuan, but based on the principle of maximum quota sharing, the maximum available quota is only 20,000 yuan. If you use the China Construction Bank International Student Credit Card to spend 10,000 yuan, the maximum available limit of the Priority Card is only 20,000 yuan.

To sum up, all CCB credit cards have a maximum limit, and the limit of the credit card with the highest shall prevail. The RMB and RMB of the dual-currency card also share the same limit. In this way, no matter how many CCB credit cards are applied for, cardholders can only enjoy the maximum limit, thus avoiding the problem of excessive credit extension and able to control risks well.

I have applied for two CCB credit cards. Are the limits of the two cards exclusive?

The limits of these two credit cards are exclusive. The credit card limits you have under CCB’s name are not cumulative, but only use a maximum limit. For example, if card A has 30,000 yuan and card B has 50,000 yuan, if card A uses up 30,000 yuan, card B can only use 20,000 yuan. In other words, the maximum use of the two cards combined is 50,000, not 80,000, and the use of card A cannot exceed 30,000.

At the same time, when the cards have been activated and used, remember to repay them separately.

Extended information:

China Construction Bank does not clearly stipulate the upper and lower limits of credit card credit limits. During the initial review, the quota is comprehensively assessed based on the information attached to the application and the specific circumstances. Please refer to the review results for the specific quota.

The limit when applying for a CCB credit card for the first time is often not high, and should not exceed 10,000 yuan. The limit for a CCB gold card is only between 10,000 and 50,000 yuan.

The credit limit when applying for a CCB credit card for the first time is closely related to the card application information provided by the applicant. The more detailed the information, the higher the success rate of the card application, and the corresponding credit limit will be higher, and the CCB credit card fixed limit increase is relatively Difficulties usually require supplementary proof of financial resources, so if it is your first time to apply for a CCB credit card, it is recommended to provide as many supporting materials as possible.

Using a credit card for consumption can generally be controlled without any daily limit within the limit; credit card cash advances generally do not exceed 50 of the customer's credit limit (for cash withdrawals, cash transfers, and cash installments***) ), and does not exceed the current available limit of the card. Overdraft cash withdrawals and cash transfers do not enjoy the interest-free repayment period. The daily cash withdrawal limit per card through counter channels is 20,000 yuan, and the daily cash withdrawal limit per card through self-service equipment (such as ATM) channels is 10,000 yuan. The daily limit for cash transfers out of counters, smart teller machines (STM), ATMs, mobile banking, and personal online banking channels is 20,000 yuan per card, and the monthly limit per card is 50,000 yuan. The actual amount that can be processed will also be affected by the card limit and usage. If you need to withdraw or transfer excess payment that exceeds the limit control, please go to the counter of a CCB branch to handle it.

The annual fee policy for CCB credit cards is roughly

for regular cards, the annual fee for main card is 80 yuan, and for supplementary cards is 40 yuan;

gold card main card : RMB 160 for the main card and RMB 80 for the supplementary card; for both of these, the annual fee will be reduced if you make 3 transactions with the card or withdraw cash (no limit on the amount) every year.

Titanium Platinum Card: RMB 380 for the main card and RMB 180 for the supplementary card. The annual fee is waived for 6 purchases or cash withdrawals per year (no limit on the amount). (This is a preferential annual fee policy until December 31, 2017)

The annual fee for the standard platinum card is 580 yuan for the main card and 300 yuan for the supplementary card. If you make 10 card purchases or withdraw cash every year (no limit on the amount), the annual fee will be waived.

Some card types, such as VISA single logo, MasterCard single logo, and JCB single logo cards, are exempt from annual fees during the validity period

Generally, card swiping in physical stores and online shopping are subject to annual fees. exemption requirements.

I have two CCB credit cards, both of which are principal cards. Do those two cards still have the same limit?

I have two CCB credit cards, both of which are principal cards. Do those two cards still have the same limit?

In terms of limit, if the host has multiple CCB credit cards, then they will indeed use the highest limit, such as 30,000 for card A, 50,000 for card B, and 30,000 for card A. Next, B card can only be used for 20,000. In other words, the maximum use of the two cards combined is 50,000, not 80,000, while the use of card A cannot exceed 30,000.

At the same time, we would also like to remind the poster that when the cards have been activated and used, remember to repay them separately.

I have two China Merchants Bank credit cards, both of which are principal cards. Is there an exclusive limit?

All credit cards (including supplementary cards) under the personal card name of the principal cardholder of China Merchants Bank Credit Card enjoy the same fixed limit, and the limits for multiple credit cards will not be accumulated.

Are the two credit card limits of China Construction Bank ***** shared?

Yes, the two credit card limits applied by the same customer at CCB are *************. The credit card limit is separate.

I have two Agricultural Bank of China credit cards, both of which are principal cards. Are the limits shared by the same bank?

Requirements for applying for a credit card:

1. Be 18 years or older and have full capacity for civil conduct;

2. Have a good credit record;

3. Applicants can apply for no more than two supplementary cards for their spouses or relatives who have full capacity for civil conduct.

Materials for applying for a credit card:

1. Identity proof: photocopy of resident ID card or military officer ID;

2. Work and income proof;

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3. Other proof of financial resources: such as a photocopy of the real estate certificate, a photocopy of the vehicle driving license, a photocopy of the deposit receipt, etc.

Credit card application method:

1. Bring credit certificate to the counter to apply: The applicant is required to submit a relatively complete asset certificate file and submit the above to the bank for audit by the bank's back-end audit department.

2. Online banking application: The applicant uses a savings card account under his or her name to open online banking, enter the official website of the required bank, enter the login password and verification code, and then enter the online banking page. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it. The audit progress and results will be displayed on the online banking.

I have two credit cards from China Construction Bank. Is the credit limit *entitled?

It is estimated that the limit *exclusive is more likely. You can consult CCB for details. Credit card customer service, they will check it out for you.

I hope my answer can help you, and I hope you will adopt it, thank you.

Are the two CCB credit card limits immediately available for ***?

Yes, ***.

Apply for multiple CCB credit cards under the same person’s name and enjoy unlimited credit limit. For example, if the limit of card A is 50,000 and the limit of card B is 50,000, then the two cards can use a total of 50,000 instead of 100,000.

What does it mean to have unlimited quota for two CCB credit cards?

It means that you had a CCB card worth RMB 10,000 before

Now you have applied for another one It’s still a 10,000 CCB card

10,000 for the old card and 10,000 for the new card = still equal to 10,000

If the new card is approved for 20,000

Old card 10,000 new cards and 20,000 = still equal to 20,000

This is the limit of ***enjoyment

I have two CCB credit cards and enjoy the limit. The minimum repayment is 2,000, can it be paid directly to a card?

No, the China Construction Bank credit card limit is unlimited, but the repayments need to be made separately.

If I apply for two CCB credit cards, are the two credit card limits shared?

Yes, the conditions for applying for a credit card:

1. Bank The specified minimum application age is 18 years old, and the maximum application age is 60 years old;

2. A second-generation ID card is required;

3. A certificate of employment and a financial seal of the unit are required. Proof of income;

4. No bad credit record;

5. Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Materials required to apply for a credit card:

1. Applicant’s ID card;

2. Apply for the bank’s credit card application form;

3. Proof of work and income certificate stamped with the financial seal of the unit;

4. Individual private operators need an individual business license and tax returns for the past three months;

5. Others Proof of financial resources: income tax withholding voucher; photocopy of own property certificate; photocopy of own car driving license.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and photocopies of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, card printing, and card issuance;

5. After I get the card, I open it and wait for the password letter. .

My two China Construction Bank credit cards are both principal cards. Why do they still enjoy the limit?

Credit cards with the same ID card and the same bank enjoy the limit, unless the other one is Business Card

If you have two CCB credit card credit limits at the same time, should you only use one?

Yes, the same bank has a maximum limit for applying for multiple credit cards.

The so-called "exclusive limit" means that all credit cards held by the same cardholder use the same limit.

For example, if you hold 5 credit cards from a certain bank with a credit limit of RMB 10,000, then these five credit cards will use the same credit limit of RMB 10,000. When you use a certain card to make overdraft purchases After spending 2,000 yuan, you can use the other four cards to make overdraft purchases of 8,000 yuan.

Limit sharing means that credit cards of the same bank and the same brand enjoy the same limit (usually the maximum limit of one of the cards). Although several cards have their own single card limit , but the total overdraft amount in use cannot exceed the exclusive limit of this brand of credit card.

Extended information:

Tips for using credit cards:

1. Repay in full to avoid recurring interest

Although banks are becoming more popular When buying a credit card, the interest-free period is emphasized, but most people don’t understand the rules of the interest-free period very clearly, and thus spend a lot of money in vain. For example, during the Spring Festival, Xiao Zhang paid 4,000 yuan with a credit card to buy a new mobile phone. When the repayment was made, there was only 3,999.7 yuan in his account. After the bank deducted the money, Xiao Zhang still owed the bank 0.3 yuan. Maybe this is nothing in real life, but banks don’t think so. If consumers don’t repay in full, they must pay interest and do not enjoy the interest-free period (daily interest = interest rate on the remaining outstanding amount of the day). It is recommended that everyone repay the loan in full to avoid greater losses.

2. Temporarily increase your credit limit to avoid maxing out your credit card

In fact, every credit card has a hidden over limit. When you max out your credit card, it is easy to use the over limit. Once the limit is exceeded, it means paying a high over-limit fee. Many consumers are not able to grasp the purchase process well and often max out their credit cards. It is recommended that you apply to the bank in advance to increase the temporary limit. This will not only avoid maxing out your credit card, but also increase your credit limit.

3. The minimum repayment amount must be sufficient to avoid late payment fees

In daily life, we often encounter inoperable situations. 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.

Reference materials: China Construction Bank Credit Card (Multiple Account Management) - Baidu Encyclopedia

How can I use one credit limit for two cards of my China Construction Bank Credit Card

According to Our country's laws stipulate that all credit card limits of the same bank are exclusive, so there is no need to apply. Because one is the main card and the other is the supplementary card, the main credit card and the supplementary card share the same credit limit. The main cardholder can specify a separate card limit for the supplementary card that is not higher than the main card. If the supplementary cardholder makes purchases or withdraws cash through the credit card, the available limit of the main card will be reduced accordingly.

According to Article 6 of China Construction Bank's "Credit Card Articles": Natural persons who are over 18 years old and have full civil capacity and repayment ability can apply for a personal card with their valid identity documents and relevant supporting documents. For the main card, you can also apply for supplementary cards for other natural persons with full capacity for civil conduct or natural persons with limited capacity for civil conduct. The main cardholder can apply to cancel the supplementary card at any time.

Article 5 of China Construction Bank's "Credit Card Articles" stipulates that "credit limit" refers to the maximum credit limit approved by the bank based on the cardholder's credit status and used by the cardholder within the validity period of the card. Limits include fixed quotas, temporary quotas, special quotas, etc.

Extended information:

Article 20 of China Construction Bank's "Credit Card Articles" stipulates that if the cardholder repays the entire repayment amount before the due repayment date (inclusive) , the consumption transactions incurred in the current period on the current statement enjoy interest-free treatment. The interest-free repayment period will be notified separately by the Bank.

Article 21 stipulates that if the cardholder fails to repay the entire amount due before the due repayment date (inclusive), he may repay any amount not less than the minimum repayment amount. However, the consumer transaction amounts that should be repaid no longer enjoy the interest-free repayment treatment.

Notes on the limit of dual cards***

1. The supplementary credit card does not have an independent billing date and statement. All transaction details of the supplementary card are printed on the statement of the main card. , and are uniformly provided to the main cardholder to facilitate the main cardholder to grasp and understand the usage of the supplementary cardholder. Please pay attention to the last four digits on the bill to indicate the difference.

2. Credit card supplementary cardholders can apply for Long Card pay-as-you-go loan business, but other installment businesses are not supported for the time being.

3. In Shanghai, supplementary cards are not available for the time being, but can be applied for in other areas across the country. Each main card can apply for up to two supplementary cards, but financial card type II accounts cannot apply for supplementary cards.

China Construction Bank - Is the limit of the supplementary credit card the same as that of the main card?

This is the introduction to whether the limit of the credit card is *enjoyed.