How much is the general limit of a CITIC credit card? How to check the available limit
The credit card limit directly affects the cardholder’s consumption overdraft level. Many friends who want to apply for a CITIC credit card want to know, I can only tell you how much the general limit of a CITIC credit card is. The credit card limit is determined by the credit conditions of the applicant and the level of the card applied for.
1. How much is the general limit of CITIC credit card?
According to the different levels of CITIC credit card applied for by the applicant, the limit has a certain range limit, but the specific credit limit is determined by the bank according to the applicant's credit limit. The card application conditions will be assessed based on a comprehensive assessment.
1. The credit limit for regular cards is generally between 3,000 and 10,000 yuan;
2. The credit limit for gold cards is between 10,000 and 50,000 yuan. ;
3. The credit limit of platinum cards is generally more than 50,000 yuan;
4. The maximum cash withdrawal limit of a credit card can reach 30% of the credit limit.
2. How to check the general credit limit of CITIC Credit Card
There are many ways to check the credit card limit, such as official website query, mobile banking APP query, WeChat official account query, customer service phone query, credit card query Inquiries on bills, etc. No matter which channel you use to inquire, you need to verify the cardholder's identity information.
Summary: The bank has the final say on the general limit of a CITIC credit card. Cardholders can find out their credit card limit through a variety of limit inquiry methods.
How to check the credit limit on the CITIC Credit Card app
Download the CITIC Bank Credit Card mobile APP, register and log in, then bind the credit card and follow the prompts to check the credit card limit.
There are four main ways to check the limit of CITIC Credit Card: 1. Users can call the CITIC Bank customer service hotline to check; 2. CITIC Bank Credit Card APP; 3. Log in to the official website of CITIC Bank to check through online banking, 4. WeChat inquiry.
Online banking inquiry
The cardholder logs in to the official website of CITIC Bank Credit Card Center, finds the "Credit Card Online Banking" option on the right side of the website homepage, and clicks to enter; then the user logs in to Online banking for CITIC Bank credit cards; find the option "My Account" or "Card Management" in online banking and click to enter to check the credit card limit.
Telephone inquiry
Call the CITIC Bank customer service hotline. After dialing, you only need to follow the voice prompts to check the credit limit and other information.
WeChat query
Follow the CITIC Bank credit card public WeChat account. After following, enter the public WeChat account. You need to enter your ID number, phone service password, credit card and other information to bind the credit card. After making a reservation, users can check the credit limit through the CITIC Bank credit card public WeChat account, and the public WeChat account also supports services such as bill inquiry and repayment.
For more information on how to check the limit on the CITIC Credit Card app, go to: View more content
How to check the limit after the CITIC Credit Card has been approved
Check the CITIC Credit Card Approval The limit method is as follows:
1. Follow the CITIC Bank official account, bind the personal information of the bank card, and click Enter Query to query the basic account information, including the limit;
2 .Download the CITIC Bank app, register and log in to the account, click My Account, and you can check the limit;
3. Call the CITIC Bank national unified hotline and enter your personal ID information and follow the independent voice prompts. Bank, there is account and limit inquiry in the prompt tone;
4. SMS inquiry, edit the last four digits of the SMS limit account number and send it to the bank SMS platform, and the limit information will be automatically replied to the user;
< p>5. Bring your ID card and bank card to the CITIC Bank counter or self-service inquiry machine for enquiry.There are various query methods, and you can conduct effective queries according to your own convenient and fast query methods.
The credit limit refers to the maximum overdraft limit that the bank gives your credit card when it approves your credit card. You can only use the card to make purchases within this limit. If you exceed this limit, you cannot use the card to make purchases.
The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card*** share the same limit.
Under normal circumstances, the RMB limit and the US dollar limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.
The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.
For those with fixed incomes, civil servants or those employed in financial institutions such as large banks have the highest quotas. The size of the company where an individual works and his or her job level also have a great impact. The type of household registration will also have an impact. The biggest impact is usually personal income (i.e. debt repayment ability, including asset status, historical credit record, etc.).
The limit of a regular card can range from 1,000 to 10,000. The limit depends on many factors. Each bank’s standards are different, and it depends on your personal creditworthiness.
Notes on using credit cards:
1. Pay attention to consumption
In addition to enriching the types of daily card consumption, credit cards must also ensure the consumption limit. Occasionally, I made several large purchases. In addition, you should also pay attention to avoid frequent consumption at the same place. After some friends made several large purchases, the bank not only refused to approve the limit increase, but also froze the credit card because of the risk of cashing out.
2. Pay attention to the limit
Friends who want to increase the limit of their credit cards must pay more attention to the changes in the limit of active credit cards, especially the usage limit and available limit. The higher the ratio of your credit card's used limit to your credit limit, the higher the chance of your application for a limit increase being approved.
How to check the remaining balance of CITIC Credit Card (credit card)?
CITIC Credit Card (credit card) cardholders can check the remaining balance through customer service phone number, official website, Dongka Space APP and other channels. Taking Dongka Space as an example, cardholders only need to log in to the APP, bind their credit card (credit card) to their account, and click "Limit Management" on the credit card (credit card) page to view the credit card (credit card) limit. situation, including remaining balance.
Cardholders who overdraft their purchases within the available limit of their credit card (debit card) can enjoy exemption from interest as long as they repay the amount in full before the repayment date. Otherwise, they will need to bear other charges, which may also affect Personal credit.
How to check the credit limit on the CITIC Credit Card app?
Download the CITIC Bank Credit Card mobile APP, register and log in, then bind the credit card and follow the prompts to check the credit card limit. \There are four main ways to check the limit of CITIC Credit Card: 1. Users can call the CITIC Bank customer service hotline to check; 2. CITIC Bank Credit Card APP; 3. Log in to the official website of CITIC Bank to check through online banking, 4. WeChat query. \Online Banking Inquiry\The cardholder logs in to the official website of CITIC Bank Credit Card Center, finds the "Credit Card Online Banking" option on the right side of the website homepage, and clicks to enter; then the user logs in to the CITIC Bank Credit Card Online Banking; find " Select "My Account" or "Card Management" and click to enter to check the credit card limit status. \Telephone Inquiry\Call the CITIC Bank customer service hotline. After dialing, you only need to follow the voice prompts to check the credit limit and other information. \WeChat Inquiry\Follow the CITIC Bank Credit Card Public WeChat ID. After following, enter the public WeChat ID. You need to enter your ID number, phone service password, credit card and other information to bind the credit card. After binding, the user can use the CITIC Bank Credit Card Public WeChat ID. to check the credit limit, and the public WeChat account also supports services such as bill inquiry and repayment. \For more information about how to check the credit limit on the CITIC Credit Card app, go to: View more content
How to check the credit limit after the CITIC Bank credit card is approved
You can check the credit card limit in the following four ways Credit limit:
The first method: log in to online banking, register for online banking by yourself, then log in again to personal online banking to check the credit limit;
The second method: call the customer service number and transfer Manual service, check the credit limit;
The third method: go to the bank counter and ask the salesperson to help check;
The fourth method: check the credit limit at the ATM machine.
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit.
It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.
On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases.”
Credit card is a non-cash payment method and a simple credit service. A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. It is issued to the cardholder by the bank or credit card company based on the user's creditworthiness and financial resources. The cardholder does not need to pay cash when using the credit card to make purchases. Make further repayments.
Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.
That’s it for the introduction of how to check the CITIC credit card limit.