What is the limit for a credit card if you own a car?

If you have a car and get a credit card, the limit will be. This specific limit is determined by personal qualifications and credit. The maximum amount a bank is willing to lend based on an individual's credit profile. This amount will be determined unilaterally by the bank based on conditional factors such as income, revenue, debt ratio, job content, company, company position, property, etc.

For credit card users, you can insist on using the phone to apply to increase your credit card limit, because different customer service or staff have slightly different attitudes and principles when processing applications in this area. Maybe the previous one will not pass. It passed the next time, and the record left by insisting on phone applications will also help in future applications for quota increases.

Extended information:

Users need to evaluate their own financial situation and self-control ability, and choose an amount that is within their personal affordability. What needs to be reminded is that you should not trust card application intermediaries and you must apply for credit cards through formal channels.

The higher the total limit of the credit card, the better. In addition to ensuring that it can meet your emergency needs, it should also be controlled within your repayment ability. It is best not to exceed your regular income for half a year.

If cardholders have applied for more than three credit cards, they can use a special credit card accounting management app to prevent them from forgetting to repay due to too many credit cards, causing overdue credit reporting.

Baidu Encyclopedia - Credit Card Limit

People's Daily Online - Do not apply for excessive credit cards. The total limit should not exceed half a year's income

Is the car owner's credit card limit high? Generally, the maximum is 50,000.

With the increasing number of car owners, the development of various car-related industries is also growing. In order to firmly grasp the market, banks naturally launched a series of credit cards for car owners. The car owner's credit card hasn't been around for too long, so many people don't know all about it. What car owners want to know most is whether the car owner’s credit card limit is high? We have collected the credit card limits of car owners from major banks to give everyone an intuitive feeling.

1. The limit of ICBC car owner credit card is between 0 and 8,000 yuan, and the limit of gold card is between 10,000 yuan and 50,000 yuan;

2. Construction The general credit card limit for bank car owners is less than 10,000 yuan, the gold card limit is between 10,000 yuan and 50,000 yuan, and the platinum card limit is more than 50,000 yuan, with no upper limit;

3. The fixed limit range of China Merchants Bank car owner credit card is 1,000 yuan to 10,000 yuan, and the fixed limit range of gold card is 10,000 yuan to 50,000 yuan. The limit of the Platinum Card is generally a fixed limit of 50,000 yuan plus a temporary limit that is automatically adjusted for you every month;

4. The limit of the Bank of Communications regular card is generally 3,000 yuan to 8,000 yuan, and the limit of the gold card is generally It ranges from 10,000 yuan to 50,000 yuan;

5. The limit of the Ping An Bank Car Owner Card generally ranges from 3,000 yuan to 50,000 yuan, and the cash withdrawal limit of the Ping An Car Owner Card can reach up to 100% of the actual limit. ;

6. Industrial Bank Car Owner Cap Card holders have a credit limit of less than 10,000 yuan, gold card holders have a credit limit ranging from 10,000 yuan to 50,000 yuan, and platinum card holders have a credit limit of less than 10,000 yuan. There is no upper limit above 50,000 yuan.

If you want to ask a car owner whether his credit card limit is high, there may be no way to generalize. However, it is not difficult to see that the car owners’ credit card limits of different banks are very different, and the limit range also has a wide span. So the factors that determine whether a car owner's credit card limit is high actually come back to the car owners themselves. If your assets are stable and substantial enough and your credit report is good, the car owner's credit card limit set by the bank will definitely be high

What credit card limit can I apply for if I have a car? A brief introduction in this article

Many friends have heard that providing proof of financial resources to apply for a credit card will have a higher limit, so many people will ask how much credit card limit can be applied for if you have a car. In fact, proof of financial resources can give the applicant extra points, but the final decision on whether the card will be approved and the limit depends on the applicant's earning capacity and personal credit.

How much credit card limit can I apply for if I have a car?

Everyone should know that cars are easy to depreciate, and the prices of vehicles are different. Unless you have a luxury car, an ordinary car can only prove that the applicant has assets, but it may not be able to Grant a credit card with a large limit.

However, if you have a car, it is best to apply for a car owner's credit card. The lowest level is gold card, with a maximum limit of 50,000 yuan, and the approved credit limit is at least 10,000 yuan.

If you have a car but the approved credit limit is not high, it may be that the applicant’s earning capacity is not very good or his credit is not good. Usually banks prefer people with stable jobs, such as civil servants, public institutions, teachers, etc. Even if they have no assets, the credit limit is higher than that of ordinary people. There was once a cardholder who had no house or car, and the bank directly issued a credit card with a limit of 100,000 with just a public service certificate.

Therefore, compared with proof of financial resources, the applicant’s income and credit are the keys to bank card approval. Of course, many people are employees of private companies and do not have an advantage in the workplace. However, if they have worked for the employer for a long time, at least one year or more, it can also reflect the applicant's stability. In addition, with good credit and high debt, the application Bank credit cards with low thresholds will also offer low limits.

The above is the relevant introduction of "How much credit card can I apply for if I have a car", I hope it will be helpful to everyone. In short, having a car and applying for a credit card will give the applicant extra points, but there are many factors that affect the credit card limit. Therefore, it is not possible to apply for a large credit card just by owning a car.

What kind of credit card has a high credit limit if you have a car?

If you have a family car in your name and provide your driving license, you can apply for Guangfa Car Owner Card, China Merchants Bank Car Owner Card, and Ping An Car Owner Card. It is recommended that the best It is best to provide proof of employment and income, so that the credit limit will be higher. Credit card application requires comprehensive evaluation:

1. Whether you have a good credit record.

2. Do you have normal income to repay your credit card debt?

3. Whether you can provide proof of assets.

The clearer the asset certificate and the more assets, the more conducive it is to the issuance of a credit card and the increase in the limit.

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That’s all for the introduction of whether a credit card has a high limit if you have a car.