How much wool can a 500,000 credit card earn in a month?

750,000. Credit card interest accrues from the day of payment, and the daily interest rate is 0.5%. Taking a 30-day month and a principal of 500,000 yuan as an example, the interest calculation formula for 500,000 yuan is as follows: 5,000,000.0530 days = 750,000 yuan. A 500,000 credit card can earn 750,000 wool a month. A credit card is a card provided by a bank to users that requires no cash for payment and only requires repayment on a specified date. 1. Credit cards are divided into credit cards and quasi-credit cards. 2. The role of credit cards: It facilitates people’s lives and saves them the trouble of carrying cash. 3. Credit cards have uses: they can relieve financial pressure, owe less or no favors; they can add points to your credit score, etc.

A credit card debt of 500,000 yuan will be sentenced to several years in prison

If the money owed to the bank is a malicious overdraft of more than 500,000 yuan but less than 5 million on the credit card, the sentence will be not less than five years but not more than ten years. If a cardholder maliciously overdrafts a credit card of more than 50,000 yuan for the purpose of illegal possession and fails to return it for more than three months after two collections by the issuing bank, he or she is suspected of a credit card crime and can be investigated and held criminally responsible. If all overdraft interest has been repaid before the public security organ files the case, and the circumstances are obviously minor, the punishment may be reduced or criminal liability may be waived. Malicious overdraft refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card for more than three months after being called upon twice by the card-issuing bank. Article 196 of the "Criminal Law of the People's Republic of China": Whoever engages in credit card activities under one of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan. ; If the amount is huge or there are other serious circumstances, the penalty shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; A fine of not less than 50,000 yuan but not more than 500,000 yuan or property confiscation may be imposed: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Using someone else’s credit card falsely Credit card; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards" Article 6 If a cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, the card-issuing bank still fails to pay for it more than three months after two effective collections. If it is returned, it shall be deemed as "malicious overdraft" as stipulated in Article 196 of the Criminal Law. Whether the purpose of illegal possession is for illegal possession shall be determined based on the cardholder's credit record, repayment ability and willingness, status of applying for and overdrafting the credit card, purpose of overdraft funds, performance after overdraft, reasons for failure to repay as required, etc. judge. The purpose of illegal possession shall not be determined solely based on the fact that the cardholder failed to repay the card as required. "Interpretations of the Supreme People's and Supreme People's Procuratorate on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases of Impeding the Management of Credit Cards" Article 8: Malicious overdrafts, the amount of which is more than 50,000 yuan but less than 500,000 yuan, shall be deemed as Article 190 of the Criminal Law A "large amount" as stipulated in Article 6; if the amount is more than 500,000 yuan but less than 5 million yuan, it shall be deemed as a "huge amount" as stipulated in Article 196 of the Criminal Law; if the amount is more than 5 million yuan, , should be determined as an “especially huge amount” as stipulated in Article 196 of the Criminal Law.

How big a credit card can be applied for with a postal deposit of 500,000 yuan?

A credit card with a postal deposit of 500,000 yuan can apply for about 20,000 yuan, but it will ultimately depend on the application status. Applications are subject to review based on personal income, savings and other relevant circumstances.

What is the total credit card limit of 500,000 yuan?

It shows that this person's economic conditions are very good. The limit of ordinary people's bank credit cards is generally within 100,000 yuan.

1. The total credit card limit of 500,000 is already very high.

The starting credit limit of most banks’ diamond credit cards is more than RMB 500,000, and the maximum credit limit of some banks’ diamond credit cards can reach RMB 5 million. Of course, diamond credit cards have relatively high requirements on customers’ assets, income, and spending power, so it is not something that can be applied for just by looking at it. Diamond credit cards should be considered the most high-end credit cards we have access to, and their limits are usually very high.

2. How is the credit card limit affected?

1. Economic ability. Proof of personal income from the workplace is an important factor in determining the credit card limit, and can indicate whether the cardholder's income is stable and repaying ability. If the applicant is from a high-income industry, extra points will be added during the rating, which is very beneficial to increasing the quota.

2. Housing situation. One of the important factors. If the credit card applicant owns a personal home, it proves that he has a certain financial foundation. In this case, the bank is willing to let him become a credit card user and will often take the initiative to increase the limit.

3. Credit record. Nowadays, the credit records of all banks are connected to the Internet. If the credit card user has opened an account in the bank in the past and has a record of funds entering and exiting, then some cardholders will have bad records such as penalty fees and other bad records. When he applies for a limit increase, the bank will Consider it as appropriate; on the contrary, if the record is good, the quota will be raised smoothly.

3. What to do if your credit card limit is low.

If the credit card limit is relatively low, it can affect everyone's life to a certain extent. If you spend it all without paying attention to the limit, it really makes people feel uncomfortable. If the credit card and your debit card are from the same bank, you can keep them first. As for the cards from other banks, you can cancel them depending on the situation, mainly keeping one or two cards. If the card has no annual fee, you can also keep it and slowly "cultivate" it. After all, if you don't sell it, you won't have to pay an annual fee. If there is an urgent need for money in the future, it can also meet your urgent needs. .

How to apply for a credit card with a limit of 500,000 yuan

To apply for a large credit card, you must provide sufficient financial proof, such as a deposit of more than 200,000; property rights, that is, proof of real estate, must be more than 1 million wait.

To apply for a large-limit credit card, you need to meet the following conditions:

1. The deposit must be more than 200,000, and the property rights, that is, the property certificate must be more than 1 million. Car driving license certificate, more than 500,000. Proof of income, annual income is not less than 150,000. Business editor, civil servant, or person in charge of a Fortune 500 company.

2. The basic condition for opening a credit card is proof of income. The higher the income, the higher the credit limit.

3. The better the credit of the company you work for, the higher the credit limit. (Such as railways, banks, institutions, civil servants, etc.).

4. If you want a higher credit limit, you can consider providing proof of real estate (must be in your own name), proof of car ownership, proof of employment and income of your spouse, and proof of large bank deposits. , proof of large-amount investment and financial products, etc.

What is a credit card?

Credit card (English: creditcard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when using the credit card, and repayment will be made on the billing date (English: billing date).

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

The debit card is an ordinary savings card. The account attribute is a current deposit account, which can be used for consumption, ATM deposits and withdrawals, etc.; the credit card can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that it can Overdraft (with a certain credit limit)

Generally, bank cards are divided into two types: credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

What should I do if I cannot repay my credit card debt of 500,000 yuan?

If I owe 500,000 yuan on my credit card, the user’s self-help method is to apply for negotiated repayment with the bank. If the user has strong repayment ability, he can pay off the debt of 500,000 yuan at a time, which is ideal. If users do not have sufficient repayment ability, they can repay in installments or the minimum repayment first, and then negotiate with the bank for repayment after it is overdue. As long as the user has a good attitude and is indeed unable to repay on time due to special reasons, the success rate of negotiated repayment will increase. 1. Use credit cards to repay in installments or the minimum repayment as much as possible, and insist on repaying a little every day, so that it accumulates over time. 2. If you really don’t have money, you can borrow part of it from relatives and friends and pay it back first. Bank credit cards will not charge interest or late fees for a long time. The longer the time, the more interest will be charged. The interest generated on the arrears of 500,000 is also very large. Therefore, if you can raise money, you can pay off your credit card account first to reduce losses. 3. Take the initiative to discuss a solution with the bank, and be sincere in your attitude, so that the bank can see that you are sincere in repaying the money, and that you are not refusing to repay maliciously. The bank does not want to push the cardholder into a corner, but mainly wants to recover the debt, so if there is a satisfactory solution, the bank is willing to facilitate it.

Article 196 of the Criminal Law of the People's Republic of China and the People's Republic of China: Whoever engages in credit card activities under any of the following circumstances and the amount is relatively large shall be sentenced to not more than five years or criminal detention, and shall also be fined 20,000 yuan If the amount is extremely large or there are other serious circumstances, the fine shall be not less than five years but not more than ten years, and a fine of not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other particularly serious circumstances, A fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation: (1) Using a forged credit card, or using a credit card fraudulently obtained with false identification; (2) Using a voided credit card (3) Pretending to use other people’s credit cards; (4) Malicious overdraft. The term "malicious overdraft" as mentioned in the preceding paragraph refers to the cardholder's behavior of overdrafting beyond the prescribed limit or within the prescribed period for the purpose of illegal possession and failing to return the card after being called upon by the card-issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.

That’s it for the introduction of the 500,000 credit card.