The credit card limit is given after a comprehensive evaluation of the cardholder, and the different cards we apply for also have an impact on the limit. But generally speaking, most credit cards are ordinary cards, and the general credit limit ranges from 3000 yuan to 10000 yuan. Specifically, the amount of the following card is the standard.

Of course, the credit limits of different banks and different types of credit cards are different. For example, BOC has a maximum of 2 million cards, Guangfa has a maximum of 6.5438+0 million cards, Minsheng has a maximum of 3 million cards, CCB has a maximum of 5 million cards, and China Merchants Bank has unlimited cards. Of course, this unlimited card is not unlimited, but the amount is relatively high. You can also intelligently adjust the credit limit according to the credit card records.

What is the credit card limit?

The credit card limit is generally 500,000-65438,000+,and credit cards are also graded. The higher the level, the greater the quota.

Credit card limit refers to the maximum overdraft limit of credit cards issued by banks to credit card holders. Different credit card levels have different limits, including:

1. The general credit card limit is about 3000- 10000;

2. The gold card amount of the credit card is about10000-50000;

3. Credit card platinum card amount is more than 50,000.

Credit cards are linked to personal credit information. Once overdue, the credit will be affected and it is more likely to be blacklisted. Moreover, the overdue records of credit cards are filed, and such overdue records will not be eliminated.

First of all, overdue credit cards will inevitably lead to late fees. The longer the overdue period, the more late fees. Users will have to pay principal, interest and late fees, and the more liabilities they have. Therefore, it is best not to use credit cards beyond the time limit, especially if they are used for a long time, which will outweigh the benefits and make the problem more serious.

In addition, if the cardholder does not have the ability to repay the money, but continues to use the credit card, if the bank investigates it, it may involve++problems. If you really don't have the repayment ability, stop using the credit card, negotiate with the bank in time, actively find ways to solve it, or repay part of the arrears, then the bank should not use++to file a case.

What is the maximum credit card limit?

Generally speaking, credit card limit classification:

Puka quota: 3000 yuan to 10000 yuan.

Gold card limit: 10000 yuan to 50000 yuan.

Platinum card limit: more than 50000.

1. Both credit card application and initial credit line need to comprehensively score the applicant's information, including: education, marital status, work unit, housing situation, personal loan, position, length of service, income, credit record, etc.

2. The credit limit shall be approved by the credit card audit department according to the relevant information provided by the applicant at the time of application and through comprehensive scoring.

Although the materials attached by applicants with similar conditions in the same company may be similar, due to the differences in age, education, experience, consumption potential, economic situation, application card type, etc., they will still get different scores and the approved credit line will be different.

3. After using the card for 3-6 months, you can apply to the issuing bank for adjustment. As long as you use the card frequently, you can repay the bill in time. If you can also provide relevant financial certificates (such as income improvement certificates, etc.). ), you will be approved.

What is the credit card limit?

The credit card limit is determined by the bank according to the applicant's credit status and the card level applied for, generally following the standard credit card limit: 0- 1 10,000 yuan; Credit card gold card amount: 1 10,000-50,000 yuan; Platinum card and above: 50,000 and above.

1. 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 limits 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.

With the appearance of credit cards, we have more++,so credit cards are very popular in the market. But for us ordinary people, how much does it cost to get a credit card? In order to let users know this problem clearly, let Bian Xiao introduce it to you.

3. It is understood that the most important conditions for applying for a credit card now are: 18-60 years old, having a stable job and income, and the necessary application documents are a copy of ID card and work certificate. However, for ordinary people to apply for a credit card limit, in fact, the credit card limit is uncertain, mainly depending on the materials provided by your application for review. If the income source is relatively stable, the credit card limit is relatively high.

Credit cards are issued by banks and have been recognized in authority and security. Although spending ahead of time may run counter to some people's ideas, it must be said that the increase in credit card share has also brought convenience to residents' lives and increased the performance of banks.

[img] This concludes the introduction of how much a credit card can be used as a credit card and how high a credit card can be used as a credit card. I wonder if you have found the information you need?