1. What is the general credit limit of China Merchants Bank?

Generally, the credit card limit of China Merchants Bank is related to the card level. The limits are: 1. The limit of regular card is between 1,000 yuan and 10,000 yuan; 2. The limit of gold card is between 10,000 yuan and 50,000 yuan. 3. The limit of Platinum Card is more than 50,000 yuan. China Merchants Bank prefers users with a high credit card usage rate, so if you want to increase your credit card limit, you must ensure that you use the card frequently. It is best to have a monthly consumption limit of 80% of the total card limit. However, it should be noted that you should never completely empty your credit card in one go. Even if the limit is only a few thousand yuan, you should try to avoid this situation.

2. Don’t waste money with nothing

The empty limit cannot often appear in integer values, such as 5000, 2000, etc. This is quite different from the normal consumption limit. After all, most of the current products are sold with fractions. This amount of consumption can easily be regarded as cashing out by the bank. Not only will there be no hope of raising the amount, but it will also easily lead to the risk control of the card. Although many credit cards now support binding to online consumption channels such as Alipay, not all cards can enjoy points for online consumption, and banks will prefer consumption with points, so you have to make a decision based on the actual situation of your card.

3. The credit limit increase of China Merchants Bank is mainly closely related to everyone’s card use.

Because banks will judge the current personal qualifications of cardholders based on their daily consumption behavior, especially their wealth capabilities, which is the focus of their attention. If you want to know whether your card swiping behavior meets the requirements of China Merchants Bank, you can use the card evaluation to test it. This is a professional credit card testing platform. The testing reports provided internally are completely based on the risk control systems of benchmark banks, and it is connected to a number of large data institutions to ensure the accuracy of the analysis results provided. Therefore, with the help of card reviews, you can improve your credit card limit increase success rate. If you need to apply again, you can also pass the estimated credit limit test of the card evaluation to help you avoid wasting the number of credit inquiries.