Credit card limit refers to the maximum overdraft limit of credit cards issued by banks to credit card holders. Different credit card levels have different limits, including:
1, and the general credit card limit is around 3000- 10000;
2. The gold card amount of the credit card is about10000-50000;
3. Credit card platinum card amount is more than 50,000, and so on.
The credit card limit is mainly determined by the comprehensive qualifications of the credit card applicant, such as personal credit and repayment ability.
The special installment quota is the special installment quota provided by the bank to users. This quota cannot be used for daily consumption, and can only be used to buy products designated by the bank. This line belongs to the line provided by the bank and does not account for the fixed line of the original credit card. However, this purchase of products must be in stages. If customers buy products with special credit, they need to apply to the bank first. The bank will review the customer's account and card usage, and then give an appropriate amount. The specific amount is subject to the audit results.
Credit card level:
Puka: It's a basic payment product. The card face color will not use gold, platinum or black. There is generally no annual fee.
Gold card: It is a relatively high-end product in bank cards. The primary color of a gold card is generally metallic yellow. Gold will be printed in the upper right corner of the card. The general annual fee can be offset by the number of consumption pens. At present, all gold cards and below of Shanghai Pudong Development Bank are free of annual fees.
Platinum card: Platinum card is a high-end card with more value-added services. Common services include airport VIP lounge, golf service, road rescue, appointment registration, etc. Platinum cards generally use metal platinum as the basic color of the card, and English platinum is printed on the card. Generally, the annual fee cannot be reduced. Some platinum cards can reduce the annual fee through the number/amount of consumption, but some value-added services such as golf will be cancelled accordingly.
Diamond Card: It is the highest-level bank card, which can provide top-level value-added services for cardholders. For example, VIP boarding at the airport, upgrading of high-end hotel accommodation, free medical examination, personal butler and other distinguished services. Generally, metallic black is used as the primary color of the card surface, and diamond elements are embedded in the card surface design. The annual fee is not deductible, ranging from several thousand yuan to tens of thousands of yuan.