What is the credit limit of visa credit card? There are many influencing factors, mainly as follows:
1, issuing bank
Different banks have different examination standards for credit card application qualifications. For example, the four major banks built by workers and peasants will have higher requirements than commercial banks in checking and issuing cards.
Therefore, even if the same application conditions apply for visa credit cards from different banks, the amount will be high or low.
2. Credit Card Grade Introduction of visa Credit Card Grade
Visa credit cards also have different grades. There are five grades: Puka, Gold Card, Platinum Card, Imperial Seal Card and Unlimited Card. The higher the grade, the higher the credit limit.
Generally, the credit card limit is between 1 ,000 yuan and 1 ,000 yuan; The gold card amount is less than 50,000 yuan; Platinum card can reach up to 200,000 yuan; The quota of Royal Seal Card is higher than that of Platinum Card; Unlimited card amount can be increased according to the cardholder's demand.
3. Personal credit status
When reviewing the credit card application, the bank will comprehensively consider the information provided by the applicant and make a comprehensive score based on personal credit information, so as to determine the specific credit limit of the card.
Which bank is good for visa credit card? Introduce a few simple ones.
When reviewing the credit card limit, banks mainly consider the applicant's age, gender, work, income, position, education, residence, marital status, economic strength and personal credit information.