The fixed credit card limit that customers get when they apply for a credit card for the first time is mainly based on the comprehensive score of the information filled in and the relevant supporting documents provided when applying for a credit card.
The credit limit is comprehensively evaluated according to the information filled in by the individual when applying for a credit card and the relevant supporting documents provided. When the cardholder needs to use a higher credit line within a certain period of time for traveling abroad, decorating a new house, getting married, studying abroad for his children, etc. Banks can provide services to increase the temporary credit line. Generally, the range of increasing the temporary credit line is controlled at 20%-50% of the fixed credit line, and the increased temporary credit line is generally valid within 30 days.
Extended data
According to Article 196 of China's Criminal Law, a person who maliciously overdraws a credit card with a large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan;
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
The "malicious overdraft" here refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Baidu encyclopedia-credit card
People's Daily Online-Highlight: Credit card with malicious overdraft exceeding 50,000 yuan can be sentenced to life imprisonment.