"If this is my first time, what is the credit card limit?" This should be the most concerned and interesting issue for Xiaobai Credit Card. In fact, even if the same person provides the same information, the credit lines approved by different banks will be different. There are many factors that affect the credit card limit. It is recommended to start with banks with lower credit card selection threshold for the first time, which is easier to pass.

Different credit card levels have different credit limits.

Puka quota: 3000 yuan to 10000 yuan.

Gold card limit: 10000 yuan to 50000 yuan.

Platinum card limit: more than 50,000 yuan

Skills of choosing a credit card for the first time

1, there are not many outlets, so it is convenient to do business. For the first time, you can choose to apply for credit cards of China Merchants Bank and Bank of Communications. These two banks have many outlets, low card threshold and higher quota than other banks. In addition, the two banks also have complete services such as online banking, mobile banking and WeChat.

2. Find out the main consumption areas of your credit card. Choose a credit card according to your own needs. For example, if you spend more money shopping in the supermarket, you can choose a supermarket co-branded card and enjoy credit card discounts. If the frequency of business trips is relatively high, it is suitable for handling airline co-branded cards or hotel co-branded cards.

3. Choose the card level according to your actual situation. For applicants, it is best to apply for different grades of credit cards according to their consumption level and repayment ability. If you have a good financial situation, you can apply for a platinum card directly. If it is general, it is best to apply for a general card.

If you apply for a credit card for the first time, you don't have to consider the credit card limit. For beginners, a high quota is not a good thing. Choosing the right card according to your own needs is the most important thing.

How much is the credit card for the first time?

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.

At work, you may often meet bank staff to sell credit cards at home. Many banks claim that their credit cards have high quotas and fast cash withdrawals, but these are all deceptive. Generally speaking, the amount of credit card for the first time will not be too high. The bank will determine the amount according to the cardholder's salary and income level. If the monthly salary of the cardholder is X, the limit is basically 1 times -2 times, that is, between X and X-2X.

On the one hand, banks will be more cautious about first-time credit card users.

Because the bank will inquire about the credit report when handling the credit card, but the credit report of the cardholder who has not handled the record is blank, and the bank does not know the cardholder's performance record and credit rating, so it will be more cautious, mainly taking the monthly salary income as a reference.

On the other hand, if you want to increase the approval amount of the initial card, it is recommended to provide more asset certificates, income streams and consumption lists to prove that you have consumer demand and repayment ability. The bank will also re-evaluate according to the information provided by us, and if it meets the requirements, we can increase the quota.

Extended data:

There are three ways to increase the quota.

Bankers in the city said that there are three ways to increase the overdraft limit for citizens with low credit card limit.

1, increase the frequency of card swiping. Cardholders should try to use credit cards in their daily consumption. After several months of continuous consumption, you can take the initiative to apply to the bank, and the bank will decide whether it is necessary and possible to increase the quota according to the cardholder's consumption record.

2. Repay in full and on time. Interest payment outside the interest-free period due to untimely repayment should be avoided, otherwise it will not only be conducive to improving the credit limit, but also may cause a stain on the credit record.

3. After obtaining a credit card, you can take the initiative to provide proof of asset income to the bank. The more detailed the certification materials provided, the higher the credit line approved by the bank may be.

What is the initial credit card limit?

According to the general classification of credit cards in banks, credit cards can be divided into ordinary cards, gold cards, platinum cards and unlimited cards, and the corresponding credit card quotas are also different.

In general, the amount of the general card is between 1 0,000-10,000, which is suitable for ordinary wage earners; The amount of gold card is between 10000-50000, which requires the applicant to have certain economic strength; Platinum cards and unlimited cards are symbols of distinguished status. Generally, the limit is above 50,000, and there is no upper limit. The specific credit card limit needs to be evaluated and determined by the bank according to your comprehensive qualifications.

If the annual income is 50,000-70,000 yuan, and social security is paid, the amount of credit card application approval is generally more than15,000 yuan, which is about twice your monthly income, which belongs to the category of gold card. I wish you a successful card as soon as possible.

Just call the customer service of your credit card to reissue a new card. After the loss of a credit card is reported, if it is your repayment date, there are the following solutions:

1. If you have just reported the loss of your credit card and haven't reissued a new card, you can use online banking to transfer the loan, or you can use the previously bound third-party software, such as WeChat and Alipay. Be sure to repay in time to prevent overdue repayment from adversely affecting you.

2. If you report the loss of your credit card, reissue it in time. If you are still waiting for a new card, the repayment date is coming. At this time, you can call customer service and ask about your new card. Just pay back with a new card.

3. If you reissue the new card in time and receive the new card, you can repay it directly according to the normal procedure.

Be sure to note that all your business and interest calculation have not stopped during the loss reporting period of your credit card. Everything is normal, even if it is not used, there will be business deductions, such as annual fees. Therefore, we must repay in time to prevent overdue repayment and affect our reputation.

The role of credit cards:

It is convenient for people's lives and saves the trouble of carrying cash. And there are no geographical restrictions on using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee.

Be able to participate in various preferential discount activities in cooperation between merchants and banks;

Credit card spending points can be exchanged for gifts;

Timely repayment after swiping the card improves the credibility of personal banks.

The purpose of the credit card:

1. Shopping consumption.

2. Microfinance.

Save money.

4. Shopping saves money.

5. Value-added services of credit cards to obtain cheap insurance and travel.

6. Credit certificate.

Disadvantages of credit cards:

Credit cards don't cost a lot of money like paying cash. Credit card consumption tends to blur the cardholder's concept of money, leading to blind consumption.

If the cardholder fails to repay the loan on time, the bank will charge high interest;

Credit cards are basically password-free by default, so when they are lost or stolen, they are easily stolen by others, causing unnecessary troubles or losses;

Long-term malicious default will naturally affect personal credit records and even be blacklisted by banks. If you want to borrow money from the bank to buy a house and a car in the future, you may be rejected by the bank.

What is the credit card limit for newcomers?

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.

The credit limit includes the overall credit limit and the credit limit of a specific customer.

1. Total credit line refers to the total scale of credit sales made according to its own situation and external environment, which is used to guide and control daily credit sales decisions.

2. The specific credit limit refers to the maximum amount of goods that customers can buy on credit within a certain period stipulated by the enterprise.

The credit line represents the tolerable risk of credit sales and bad debts undertaken by enterprises to customers. Too low credit limit will affect the sales scale of enterprises, increase transaction frequency and transaction cost; Excessive credit line will increase the collection cost and bad debt risk of enterprises.

Methods of increasing credit limit

1. Fully prepare all kinds of asset certificates. At the beginning of the application, because you don't have any consumer credit records in the bank, the bank will evaluate your various income assets and then decide how much credit line to give you. If you want to greatly increase the credit limit when applying, you should carefully prepare all kinds of credit certificates, and don't bother. You should submit all income certificates, real estate certificates, mortgage purchase certificates, automobile property certificates, bank deposit certificates or securities certificates to the bank.

Fill in the details of the form carefully. When filling out the application form, there are several small details that affect the credit line, such as whether you have a fixed telephone number in this city, whether this number is registered in your own name or in the name of your family, whether you are married, whether your mobile phone number has a monthly rent, and whether it is a local account. If the above answers are yes, the bank will greatly increase your credit evaluation, but every condition is not absolute, except that it is relatively easy to pass the qualification examination and the initial application for increasing the consumption limit. Consumer credit and repayment credit are still the most important for banks.

Don't forget to swipe your card anytime and anywhere. During the period of using the card, you should swipe your card more. Try to choose a shop that swipes your card. The more frequently you use it, there will be a relatively stable consumption quota every month, just changing the original habit of cash consumption to credit card. This shows your loyalty to the bank. The bank's information system will count your credit card frequency and limit, and will automatically increase your credit limit in about half a year.

4. Repay on time and maintain good credit.

You can borrow money if you owe it. Banks also strictly follow this old truth. If you don't repay on time, you will definitely have no credit. You'd better pay in full, not just the minimum payment. Cyclical interest will make you unbearable.

5. Take the initiative to apply for increasing the credit limit.

After the normal use of the credit card for half a year, you can actively submit a written application or adjust the credit line through the service phone, which requires bank approval. Under normal circumstances, after reviewing the consumption records and credit records, your credit limit will be improved to some extent.

This is the end of the introduction of the initial credit card limit and the initial credit card limit of 20 thousand. I wonder if you found the information you need from it?