Credit cards have become a necessity for many people's daily consumption. Major banks have different levels of approval for the first card. The specific quota standards are as follows. It is suggested that friends who apply for a card for the first time can choose a credit card with lower bank threshold, which is easy to pass.
1. Generally speaking, credit card quota classification: ordinary card quota: 3000 yuan to 10000 yuan; Gold card amount: 10000 yuan to 50000 yuan; Platinum card limit: more than 50000.
2. Credit card has no fixed credit limit, which is related to the personal qualification of the cardholder. The maximum credit line can reach more than 6.5438+0 million, and the minimum credit line may also be "zero".
3. Applicants who meet the most basic application conditions can only guarantee to apply for a credit card, but may encounter a "zero" quota. In order to avoid this situation, the applicant must have a fixed job and a stable income, with a monthly salary of more than 3,000 yuan. In addition, the applicant must ensure that personal credit information is good and there is no serious bad record.
The above is the information about the credit card limit that I first found for you. I hope I can help you.
How much is the credit card for the first time?
In the preliminary examination, according to the information attached to the card friend's application, combined with the specific situation of the card friend, the credit limit is comprehensively evaluated. The specific credit line is subject to the audit results. The starting point of the credit line (fixed line) of China Merchants Bank's credit card is 1000 RMB or equivalent USD, and the upper limit is 50,000 RMB or equivalent USD.
Under normal circumstances, the fixed amount of Puka is 1000 yuan-10000 yuan, and the fixed amount of Gold Card is 10000 yuan -50000 yuan. The amount of platinum card is generally a fixed amount of 50 thousand yuan plus a temporary amount that is actively adjusted for everyone every month. At that time, you can use the sum of the two parts for credit card consumption.
Generally speaking, there is no obvious difference in the credit card quota of each bank. Personally, I think it mainly depends on the credit level. Generally, you need to provide your ID card, proof of work income (the general bank has a standard model), contact telephone number of yourself and your relatives, address of your work unit, telephone number and residence. The credit card limit will refer to your annual income and work unit. The higher the comprehensive score, the greater the success rate of handling credit cards and the higher the quota. Disclaimer: The article comes from the Internet and is only for users to learn and communicate. If there is any infringement, please contact to delete it.
What is the first credit card limit?
For most people, the first credit card amount is generally below 10000 yuan. If users feel that the credit limit is relatively low, they can increase the credit card limit by continuing to use it later. Usually, a new card must be used for 6 months before it can apply for increasing the fixed quota, but it can apply for a temporary quota after 3 months.
If users want to get a higher quota in the first place, they need to submit better financial proof. Only when the bank knows your repayment ability will the bank approve a higher amount for you. The financial proof here includes real estate information, driving license, provident fund and so on.
The user's application channel will also affect the credit card limit. Generally, you can get a higher quota when you apply at the bank counter, and a lower quota when you apply at the bank of official website. However, you can get a credit card more quickly by applying in official website Bank, which is especially suitable for users who need it urgently.
It usually takes 20 working days for users to apply for a credit card. When users get a new credit card, they should know its basic information, such as annual fee, billing date, repayment date, overdue interest and so on. , which can make cardholders use credit cards better. When activating the credit card, you need to set the inquiry password and transaction password. These two passwords must not be confused when setting.
What is the first credit card limit?
Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan. Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits.
When an applicant applies for a credit card at the bank counter, the more income, property and other materials to prove repayment ability, the better the credit record, and the higher the credit card overdraft limit. It is very convenient to apply for a card online, but because it is impossible to provide relevant materials to the bank online, the credit card overdraft limit will eventually be very low.
Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card.
The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, 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.
First, continuous and frequent credit card consumption
Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.
Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think that it is+++,and it is difficult to increase the quota.
Second, pay attention to the credit card limit and temporary withdrawal.
Pay attention to the credit card limit and make full use of temporary withdrawals.
Third, stick to application and seize the opportunity of application.
Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.
4. Threaten to use the cancellation card or suspend sleep.
Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.
What is the first credit card limit?
When applying for a credit card for the first time, most banks determine the quota according to the applicant's monthly salary level, which is generally between 1 1,000 yuan and 1 1,000 yuan. Most people's first credit card limit is relatively low. As long as they repay on time, the bank will gradually increase your credit limit.
For more information about the amount of credit card used for the first time, please visit: See More.
What is the credit card limit for the first application to China Bank?
Bank of China will determine whether it meets the requirements and credit limit according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card. Finally, please refer to the actual approval results. General credit card limits range from 0 to 2 million yuan.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
Let's stop here for the first time to introduce the credit card limit.