When many cardholders apply for a credit card, the staff will tell them that the credit limit is unlimited. So what is the credit card limit limit? If I apply for ICBC, which card limits are not available?

What is the credit card limit limit?

Credit card limit sharing means that credit cards of the same bank and the same brand share the same limit. Although several cards have their own single card limits, the total overdraft in use cannot exceed this brand. The credit card's exclusive limit.

For example: Ms. Zhang holds a GF True Love Card with a limit of 10,000 yuan, and a China Southern Airlines Sky Pearl Card with a limit of 10,000 yuan. The exclusive limit is 10,000 yuan. After 5,000 yuan is used for the True Love Card, the remaining 5,000 yuan of the ***exclusive limit can only be used for the China Southern Airlines Sky Pearl Card.

Credit cards with independent limits: Some banks have multiple brands of credit cards, such as ICBC, Bank of China, etc. The credit card limits of different brands are independent of each other and cannot be shared.

For example: Ms. Zhang has a Bank of China City Card with a limit of 10,000 yuan, and a visa US dollar card with a limit of 1,000 US dollars. The limits are not shared with each other. After the City Card has used up the 10,000 yuan credit limit, the USD International Card can still use the 1,000 USD credit limit.

Note: The credit card limits of different banks are independent of each other and cannot be shared.

Which ICBC card limits are not available?

1. International credit card limits are not exclusive, and the limits of RMB accounts and foreign currency accounts are also independent;

2. All RMB quasi-credit cards (45806, 53098, 62221) enjoy *** limit;

3. RMB credit card (45181) that is not a UnionPay standard card enjoys *** limit;

4. UnionPay standard card (such as pig) Card) RMB credit card (62223) limit is not exclusive;

5. There is no exclusive sharing between RMB credit cards starting with 4 and RMB credit cards starting with 6. For credit card limit, you can call the 24-hour customer service hotline 95588 to contact the customer service specialist to apply for a temporary increase in the credit card limit. Generally, you can only request to increase the credit limit after holding the card for at least 3 months. For international cards, you can increase the temporary limit by 10% through the international card self-service at 95588-6 or online banking. The validity period is 1 month. The self-service limit increase can only be used once every 3 months.