On February 2 1, 2065438, 2065438, Alipay announced that from February 2 1, the credit card micropayment amount of Alipay platform was raised from 500 yuan to 2000 yuan per month. Therefore, Alipay swipes a credit card with a monthly limit of 2,000 yuan.
What is the daily limit of CCB credit card?
Generally speaking, spending with CCB credit card can be controlled without limit every day; Generally, the advance cash of a credit card does not exceed 50% of the customer's credit limit (cash withdrawal, cash transfer and cash sharing in installments), and does not exceed the current available credit limit of the card. Overdraft cash withdrawal and cash transfer do not enjoy interest-free repayment period. The daily withdrawal limit of each card in the counter channel is 20,000 yuan, and the daily withdrawal limit of each card in the self-service equipment (such as ATM) channel is 654.38+00,000 yuan. The cash transfer limit of counters, intelligent teller machines (STM), automatic teller machines, mobile banking and personal online banking channels is 20,000 yuan per card day and 50,000 yuan per card month. The actual amount that can be processed will also be affected by the card amount and usage. If you need to withdraw or transfer money beyond the limit, please go to the counter of CCB outlets.
(In case of business changes, please refer to the actual situation. )
How much can a credit card borrow at most a month?
It is generally 50% of the credit card limit. No matter cash withdrawal or cash installment, only 50% of the money in the card can be lent at most, that is, 10000 yuan, and only 5000 yuan can be lent at most. And decreases as the available quota decreases. Suppose the cardholder's credit card limit is 50,000 yuan, and the maximum loan limit that can be applied for is 25,000 yuan. If you spend 5000 yuan during this period, the loanable amount becomes 22500 yuan.
Of course, it should also be noted that credit card withdrawals are generally limited, and different banks have different limits. For example, China Construction Bank stipulates that cash is withdrawn through UnionPay in China, and the daily overdraft limit of each card in the counter channel is 20,000. The daily overdraft withdrawal limit of each card in ATM channel is 1 10,000.
Credit card repayment time
Although the repayment date of each month is fixed, the repayment date of each bank credit card is different, and the repayment date of each person with the same bank credit card is also different, so the specific repayment date of each person in each month needs to be subject to the regulations of the issuing bank.
You can check your billing date and repayment date through credit card, mail bill, credit card APP, customer service and other channels. For example, the repayment date of China Merchants Bank's credit card is18th day after the bill date. If the cardholder's monthly billing date is 3 days, the monthly repayment date is 2 1 day. If the billing date of another cardholder is 5 days, the repayment date will become 23 days.
What does the credit card limit mean?
The bank card limit we usually refer to refers to the daily limit of the bank card. After the bank card is limited, it will be resumed the next day.
It is usually released after 24 o'clock that day.
If the daily consumption exceeds the daily limit and there is a limit, there is no way to cancel it on the same day, but it can only be cancelled automatically the next day.
Yes However, if the daily consumption is often high, in order to avoid the trouble caused by the regular quota, the daily consumption quota can be increased in advance.
The process of increasing the daily consumption quota of different banks is slightly different, but it is nothing more than a model:
1, go directly to the bank counter and remember to bring your ID card and bank card;
2. If online banking is enabled, it can be handled online;
3. You can also call the customer service phone of the bank and provide relevant information for processing.
Bank card limit refers to the maximum amount of a single transaction and the accumulated amount in a single day for the safety of users' funds.
Restrict.
Payment limit of China Bank: 65,438+00,000 for a single payment, 65,438+00,000 for a single day and unlimited for a single month.
Payment limit of Agricultural Bank: single payment 10000, single payment 10000, and monthly payment of 300000.
Payment limit of ICBC: single payment 10000 yuan, single payment 10000 yuan and single payment 10000 yuan.
Payment limit of Bank of Communications: single payment 10000, single payment 10000 and single payment 10000.
Payment limit of China Construction Bank: single payment 10000, single payment of 50000, and single payment 10000.
Payment limit of Ping An Bank: 50,000 yuan in a single payment, 50,000 yuan in a single day, unlimited in a single month.
There are many factors in the credit card limit, one is the bank limit, and the other is the cardholder's own limit, so the recovery time after being restricted is different.
First, the bank limit:
1. If it only exceeds the bank's one-day consumption limit, it will generally be resumed the next day, but it still cannot exceed the one-day consumption limit, otherwise it will be re-restricted, so the card can only be resumed the next day.
2. If the limit is imposed because of the bank's risk control, such as overdue repayment or cash withdrawal, it will not be so easy to recover. If you don't want to recover it within the time limit, you must pay off the arrears and apply to the bank; If the cash is limited, you need to provide various consumption vouchers to dispel the bank's doubts and prove that you are not cashing in. These banks need to spend a certain amount of time to review, and they will not resume until they are approved, but it usually takes 1~3 working days.
Second, the cardholder restrictions
If the cardholder sets a trading limit for the credit card, it is impossible to trade beyond this limit, and this limit is easy to recover.
As long as the cardholder goes to official website to modify the transaction limit, he can immediately resume using it after the modification is successful.
This concludes the introduction of the monthly credit card limit and how to change it. I wonder if you found the information you need from it?