The credit card has been frozen. It's normal to have a limit. The freezing of the credit card by the issuing bank will not affect your credit limit. This credit card has authorized the credit limit when it was issued, so the credit limit is still there.
When applying for a credit card, the issuing bank will authorize the credit line according to your personal comprehensive quality and credit situation.
The credit card is frozen, but there is a limit, because when the credit card is frozen, the available limit authorized by the issuing bank to the user has not been recovered, but it will be unusable because of the freeze. If you want to use this line again, you need to go to the bank to apply for unfreezing and resume the use of credit cards. According to the different causes of freezing, the thawing methods are different.
When the credit card is frozen, you should contact the bank staff in time, unfreeze it as required, and resume the use of the credit card. If you are frozen due to overdue, cashing and other violations, you should pay off the arrears or stop the related violations in time, otherwise it will not only freeze the bank card, but also affect your personal credit information and even face legal responsibility.
1. Credit card limit, also known as credit card available limit, refers to the maximum amount you can use a credit card, including the credit limit (that is, the maximum overdraft limit of a credit card) and the amount deposited in the credit card.
2. The amount of any credit card depends on the effective income and asset guarantee value provided by the individual during the application process. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income, provident fund social security and asset guarantee statement. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.
3. Every credit card has a hidden overdraft limit. When you maxed out your credit card, it is easy to use the over-limit line, and once you use the over-limit line, it means paying a high over-limit fee. Many consumers have a bad grasp in the process of shopping, and credit cards are often maxed out. I suggest you apply to the bank in advance to increase the temporary limit, which will not only avoid the explosion of credit cards, but also increase the credit limit.