According to last year's data, the average credit card limit is 1 10,000, and the standards of major banks are different. We have made a detailed assessment. The specific data are as follows:

The total credit of credit cards in China is 1 trillion yuan, which is an increase year on year (compared with the same period last year). The average credit line of a single credit card is as high as ten thousand yuan. Compared with the end of last year, the credit utilization rate increased by 10%.

Correspondingly, the higher the credit limit, the higher the bad debt rate of credit cards.

The data shows that the total outstanding credit of credit cards overdue for half a year was billion yuan, an increase of billion yuan compared with the end of last year, and the proportion of total outstanding credit of credit cards overdue for half a year to the total credit payable at the end of last year increased by% compared with the end of last year.

The credit card non-performing rate (bad debt rate) is much higher than the non-performing loan rate of commercial banks in the same period!

idea

If the credit card limit is low, don't cancel it in a hurry. As long as you take good care of your card, swipe it more, spend more, and repay it on time in three months, you can apply for an increase in the quota! In addition, the quantity is not as high as possible, and the appropriateness is the most important. Usually 2-3 times the monthly salary. In this way, it is good to encounter an emergency, and personal credit information will not be affected by excessive consumption.