200,000 yuan. By checking the official website of the Rural Commercial Bank, we can see that the Rural Commercial Bank stipulates that the decoration loan limit of the decoration loan credit card is 200,000 yuan, so the decoration loan limit of the Rural Commercial Bank decoration loan credit card of 20,000 yuan is 200,000 yuan. Rural Commercial Bank, the full name of Rural Commercial Bank, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, corporate legal persons and other economic organizations within its jurisdiction.