The current minimum credit limit of Agricultural Bank of China credit cards starts from 3,000 yuan. Regular cards generally have a limit of 8,000 to 10,000 yuan, and gold cards have a credit limit of more than 10,000 yuan. When applying, you can propose the amount you hope to obtain based on actual needs. The bank will review and process it based on your credit status and card usage. Please be reminded that the final review result may be different from your initial application.
What determines the amount is mainly the financial proof you provide, including your car property, real estate, deposits and financial investments, social insurance policies, insurance products, salary certificates, etc.
The approved limit is the credit limit approved by the card-issuing bank based on the credit status of the principal card applicant. The credit limit refers to the maximum limit that a credit card can use for recurring overdrafts. It is exclusive for RMB and foreign currencies, for primary and supplementary cards, and for all credit cards in your name.
The installment limit is set based on your credit card’s permanent credit limit of 100.
The cash advance generally does not exceed 50% of your credit limit and does not exceed the current available limit of the card. Cash advances do not enjoy the interest-free repayment treatment. Interest will be charged at a daily interest rate of 0.5% from the bank accounting date, and compound interest will be charged monthly. According to regulations of the Supervision Bureau, credit card overdraft withdrawals through the UnionPay network shall not exceed the equivalent value of RMB 2,000 per card per day. Withdrawal through overdraft through non-UnionPay network shall not exceed the equivalent value of US$1,000 per day and the equivalent value of US$5,000 per month. The actual amount you can withdraw will also be affected by the card limit and usage.
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