The initial amount of the black card of Bank of Communications UnionPay Y-POWER Credit Card is determined by the applicant's comprehensive qualification, and there is no fixed amount.

The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit.

In other words, the credit card limit of Bank of Communications changes with the change of the applicant's comprehensive qualification, and there is no fixed standard. Therefore, the initial credit card quota of Bank of Communications UnionPay Y-POWER Credit Card is determined by the applicant's comprehensive qualifications, and there is no fixed quota.

Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Extended data:

Y-POWER Credit Card (Campus Edition) Product Charge Standard

1. Annual fee (per card): main card, VISA card or MasterCard: RMB 140 yuan; UnionPay card: RMB 80 yuan;

2. Overdraft interest rate? The daily interest rate is 0.035% to 0.05% (annualized interest rate is 12.775% to18.250%);

3. liquidated damages (per pen)? 5% of the unpaid part of the minimum repayment amount, with the minimum being RMB 10 yuan or USD 1 yuan;

4, UnionPay overseas account inquiry fee (each) 4 yuan RMB;

5. Credit line withdrawal fee

Domestic RMB cash withdrawal, each RMB 5 yuan;

For overseas cash withdrawals through UnionPay network, each transaction is charged 12 yuan RMB, plus 1% of the transaction amount, with a minimum of 15 yuan RMB;

Withdraw cash overseas through MasterCard /Visa network, and charge 1% of the transaction amount, with a minimum of $5 per transaction.

6. Handling fee for recovering overflow margin:?

Domestic RMB collection, each RMB 5 yuan;

Domestic dollars are collected through the counter, charging 0.5% of the transaction amount, with a minimum of 1 dollar and a maximum of $50.

RMB 12 yuan is charged for each overflow deposit collected overseas through UnionPay network, plus 0.5% of the transaction amount, with the minimum of RMB 15 yuan; 0.5% of the transaction amount is charged for cash withdrawal through VISA/MasterCard network, with a minimum of $5.

Baidu encyclopedia-credit card limit