How to check the credit card limit
The methods to check the credit card limit are:
1. Use your mobile phone to call the bank’s credit card customer service hotline 2. Check the WeChat official account 3. You can check on the bank's official website; 4. Go to the bank counter to check the credit card limit. 5. You can also see the limit on your credit card statement. 6. ATM machine inquiry. 7. Inquiry via mobile banking app. 8. SMS inquiry.
1. Telephone inquiry: This is the simplest and most direct method. Cardholders only need to call the bank’s customer service number and provide them with their identity information and card information to inquire about their personal credit. Quota.
2. WeChat public account query
Many banks already have their own WeChat public account or service account. Cardholders only need to follow the bank’s public account or service account and follow the instructions Follow the prompts to query your credit card limit.
3. Online banking inquiry: This is also a relatively simple and fast method. Cardholders only need to log in to the bank's official website and enter their identity information to inquire about their personal credit limit.
4. Counter inquiry: Cardholders can also choose to inquire at the counter, but they need to take a number and queue up.
5. Credit card statements: The easiest way is of course to wait for the bank's monthly statement to arrive, then it will be clear at a glance.
6. ATM machine query: Cardholders can choose a nearby ATM machine to insert their card for query, and just follow the machine prompts.
7. Mobile banking app inquiry: Open the bank's app, enter your password to log in, and select a credit card to check the limit.
8. SMS inquiry: Most banks have set up SMS inquiry services for personal credit limits. Cardholders only need to use the mobile phone number reserved by the bank to send the content required by the bank to the bank service number to check the credit limit.
Credit card limit, also known as credit card available limit, refers to the maximum amount that can be used by your credit card. It includes credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited into the credit card. .
The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained.
How to check the available limit of a credit card
If you have not yet applied for a credit card from our bank, please refer to the following when applying for a credit card issuance limit for the first time:
General card: up to 10,000 yuan
Gold card: up to 50,000 yuan
Platinum and diamond cards: a fixed limit of 50,000 yuan and a temporary limit that is actively adjusted for you every month
Unlimited credit card: The review result shall prevail
Warm reminder: The approved quota is mainly evaluated based on factors such as job stability, income, and financial proof provided by the application, and the final review result shall prevail.
If you need to check the credit card limit in the card creation:
After the credit card is approved, a text message notification will be sent. It will take 1-2 weeks to send. You can call the credit card customer service hotline to select 3#-1-3 Enter the manual query of the issued credit card limit.
If you need to check the credit card limit currently in use:
1. Reply "#ED" to the credit card interactive text message to check the available limit, and send it to 106-579-5555 (mobile) or 9-5555 (China Unicom, China Telecom).
Warm reminder: ① Letters are not case-sensitive; ② The communication provider charges 0.1 yuan per text message, and China Merchants Bank does not charge any fee.
2. After logging into mobile banking, select "My → All → Credit Card (Section) → My Account → Account Inquiry" to enter the page.
You can see information such as the credit limit, available limit, payment due date, bill amount for the current period, remaining repayment amount for the current period, minimum remaining repayment amount for the current period, etc.;
3. Log in to online banking ( (Public Edition or Professional Edition), click "Account Management→Account Inquiry" to see the credit limit, available limit, repayment due date, bill amount of the current period, remaining repayment amount of the current period, and minimum remaining repayment of the current period. Amount and other information;
4. After logging in to Mobile Life, select "My → Credit Line" to query credit card fixed limit, available limit and other information.