The limit of the bank's regular card is between 1,000 and 10,000, the limit of the gold card is between 10,000 and 50,000, and the limit of the platinum card is more than 50,000. The specific credit limit is determined by the credit card applicant's credit status, salary level, marital status, repayment ability and other factors. If you need to increase your card limit, you can use as many credit card transactions as possible, ensure timely repayment, and use the installment function appropriately.

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The credit limit refers to the maximum overdraft limit that the bank gives you when approving your credit card. You can only spend within this limit. If you exceed this limit, The credit cannot be used normally for consumption.

The credit limit is determined based on a comprehensive evaluation based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The principal card and supplementary card*** share the same limit. Under normal circumstances, the RMB limit and the USD limit in a dual-currency credit card can be converted to each other. For example, if your limit is 30,000 RMB, when you use the card overseas, your credit limit is approximately equivalent to 5 ,000 USD.

The credit limit will be adjusted regularly by the bank, but you can proactively provide relevant proof of financial resources to request adjustment of the credit limit. In addition, when you need a higher limit within a certain period of time when traveling abroad, moving to a new home, etc., you can request to increase the temporary credit limit.

Notes on using credit cards:

1. Pay attention to consumption

In addition to enriching the types of daily card consumption, credit cards must also ensure the consumption limit. Occasionally, I made several large purchases. In addition, you should also pay attention to avoid frequent consumption at the same place. After some friends made several large purchases, the bank not only refused to approve the limit increase, but also froze the credit card because of the risk of cashing out.

2. Pay attention to the limit

Friends who want to increase the limit of their credit cards must pay more attention to the changes in the limit of active credit cards, especially the usage limit and available limit. The higher the ratio of your credit card's used limit to your credit limit, the higher the chance of your application for a limit increase being approved.

3. Check credit report

If the cardholder has met the conditions for credit card limit increase, it is best to check your personal credit report first. Credit investigation has a great impact on credit card limit increase. Only a good credit record can ensure the success rate of credit card limit increase.

Credit cards are divided into two types: credit cards and quasi-credit cards. They provide settlement services, facilitate shopping and consumption, and enhance a sense of security; simplify payment procedures and save social labor; promote product sales and stimulate social demand. and other characteristics. A credit card is a special credit card issued by a bank or other financial institution to those with good credit status. It is a special card used for shopping and consumption at designated merchants, or for depositing and withdrawing cash at designated banking institutions.