What level is the credit card limit of 5,?

Large level. Under normal circumstances, a user goes to the bank to apply for a credit card. If he has never applied for any credit card before, the credit card amount that the user can apply for is generally between 2 and 5,. Not many people can apply for a 5,-line credit card for the first time, so a 5,-line credit card is already a large amount.

Extended information:

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, which includes credit limit (that is, the maximum credit card overdraft limit) and the amount deposited in the credit card.

the amount of any credit card depends on the effective income provided by the individual in the application process and the guaranteed value of the assets. The credit limit of a credit card is positively related to the income and secured assets of the applicant, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security, and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Use caution skills

Repay in full to avoid cyclic interest

Although banks emphasize the interest-free period when popularizing credit cards, most people don't know the rules of interest-free period very clearly, thus spending a lot of money. For example, during the Spring Festival, Xiao Zhang bought a new mobile phone and used a credit card to swipe 4, yuan. At the time of repayment, there was only 3,999.7 yuan in the account. After the bank deducted money, Xiao Zhang still owed the bank .3 yuan. Maybe this is nothing in real life, but banks don't think so. Consumers have to pay interest if they don't repay in full, and they don't enjoy the interest-free period (daily interest = the interest rate of the remaining unpaid amount of the day). It is suggested that you must repay in full when you repay, so as to avoid greater losses.

temporarily increase the credit limit to avoid maxing out credit cards

In fact, every credit card has a hidden overrun limit. When you maxed out a credit card, it is easy to use the overrun limit, and once you use the overrun limit, it means paying a high overrun fee. Many consumers can't grasp it well in the process of shopping, and credit cards are often maxed out. I suggest that you apply to the bank in advance to increase the temporary limit, which will not only avoid the credit card explosion, but also increase the credit limit.

the minimum repayment amount must be fully paid to avoid late payment fees

in daily life, we often encounter ineffective situations. At this time, we can choose to repay the minimum repayment limit, so as to ensure that the personal credit record will not be affected, and at the same time, there will not be too many late fees. However, it needs special attention that the minimum repayment amount must be paid in full, otherwise you will encounter high late fees.

What do you mean by CCB's credit card limit of 5,?

It means that the maximum credit limit approved by CCB for cardholders according to their credit status is 5,, including fixed limit, temporary limit and special limit.

According to Article 2 of the Credit Card Articles of Association:

If the cardholder repays all the repayable amount before the due repayment date (inclusive), the consumer transactions incurred in the current period on the current statement will enjoy interest-free treatment. The interest-free repayment period will be notified separately by the Bank.

if the cardholder fails to repay all the payable amount before the due repayment date (inclusive), he can repay at any amount not less than the minimum repayment amount, but the consumer transaction funds that should be repaid will no longer enjoy the interest-free repayment treatment.

Extended information:

According to Article 2 of the Credit Card Charter:

Cardholders who borrow cash in advance do not enjoy interest-free repayment. For the transactions that the cardholder does not meet the interest-free conditions, the Bank will calculate the interest from the bank bookkeeping date. The upper limit of the daily interest rate is five ten thousandths and the lower limit is .7 times of five ten thousandths (equivalent to the upper limit of 18.25% and the lower limit is .7 times of 18.25%), and compound interest on a monthly basis.

If an individual cardholder repays RMB arrears, he can deposit the cash he holds or transfer it to his personal bank settlement account. If he transfers it from the company deposit account, he shall comply with the relevant provisions of the Measures for the Administration of RMB Bank Settlement Accounts;

to repay the foreign currency arrears, it is necessary to deposit the foreign currency cash it holds or purchases according to regulations or transfer it from its foreign exchange savings account opened in this bank, or apply to our bank for repayment by purchasing foreign exchange. The foreign currency repayment business shall comply with the relevant regulations of the State Administration of Foreign Exchange.