Take the Agricultural Bank of China as an example:
1. The maximum overdraft limit of credit card personal Capka of Agricultural Bank of China is 50,000 yuan (including equivalent foreign currency).
2. The overdraft limit of China Agricultural Bank's credit card gold card is RMB 200,000.
3. The minimum overdraft limit of Platinum Card is RMB 654.38+10,000 Yuan, and the maximum overdraft limit is RMB 1 10,000 Yuan.
4. For corporate cards, the maximum overdraft limit of comprehensive credit granted by customers is 3%, which shall not exceed 3 million yuan. If there is no comprehensive credit line, the maximum overdraft limit is RMB 6,543,800+0,000.
The overdraft limit of a credit card is also directly related to the relevant materials and information of the cardholder at the time of application. For example, personal income, real estate, vehicles and the nature of personal work are used as proof materials to limit the upper limit of credit cards.
The overdraft limit of the same credit card will increase with the cardholder's consumption limit, and it will automatically increase within half a year or a year.
Extended data:
1. According to different card issuers, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
2. According to the credit status of the cardholder, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
3. According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.
Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.
Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.
Baidu Encyclopedia-China Agricultural Bank Credit Card