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A single transaction of small amount credit card online banking is 2,000 yuan, and the overdraft limit of the credit card itself is used in a single day
2. Everbright: a single transaction per day (limit) is 20,000 yuan to 1 million yuan, and different functions need to be activated
3. Industrial Bank: RMB 5,000 for a single transaction, RMB 10,000 within the account period and no need to open online banking
4. Bank of China: The maximum daily limit for each transaction is RMB 5,000
5. Ping An
Single transaction limit: 5,000 yuan or the limit of the credit card itself, whichever is lower.
Daily limit: Whichever is lower: 5,000 yuan or the credit card limit
6. Bank of Communications
Single daily limit: 2,000 yuan or the credit card limit, whichever is lower Low, mobile registration
Single transaction daily (limit) 2,000 yuan or the credit card limit, whichever is lower, certificate authentication
7. Guangfa
Single transaction limit: 10,000 yuan; daily cumulative limit: 10,000 yuan
Single transaction limit: 500,000 yuan; daily cumulative limit: 500,000 yuan
8. ICBC: Single transaction and daily credit card limit ranges from 300 to 1,000 etc., different functions need to be activated
9. Shanghai Pudong Development Bank: single transaction of 10,000 yuan, daily accumulation of 10,000 yuan
What is the general credit card limit?
Credit card limit There are high and low levels, and different credit card levels correspond to different limits. For users who apply for a credit card for the first time, the limit is usually relatively small. What is the general credit card limit?
The limit of a regular credit card is between 2,000 yuan and 5,000 yuan; the limit of a gold card is between 5,000 yuan and 20,000 yuan; the limit of a platinum card is between 20,000 yuan and 50,000 yuan; The limit of a diamond card is more than 50,000 yuan, and some diamond cards even have a limit of more than 100,000 yuan.
1. Puka. When ordinary users apply for a credit card for the first time, they usually use a regular credit card. When applying for a credit card for the first time, try to choose a local commercial bank because the probability of getting the card is relatively high and the review is more relaxed than the four major state-owned banks. The credit card replacement limit is usually relatively low, generally only between 2,000 yuan and 5,000 yuan. The specific credit card limit can only be determined after applying.
2. Gold card. The level of the gold credit card is higher than that of the ordinary card. At that time, users with credit cards often used credit cards to make purchases and repaid the payments on time. Usually, within three months or about three months of the ordinary card, the bank would upgrade the ordinary credit card, which is the ordinary card upgrade. For gold card. Generally, the limit of a gold credit card is between 5,000 yuan and 20,000 yuan. The regulations of each bank are different, but the difference is not huge.
3. Platinum Card. The limit of a platinum credit card is higher than that of a gold card. Generally, the limit of a platinum credit card is between 20,000 yuan and 50,000 yuan. When a user holds a credit card and repays the gold card on time and the consumption amount is relatively high, the bank system will Upgrading to a platinum card gives cardholders more usage rights and spending limits.
4. Diamond card. Generally, a diamond card is the highest level of credit card. The credit limit of a diamond card is usually more than 50,000 yuan. Some banks will set the diamond card limit to more than 100,000 yuan and upgrade it to a diamond card through a platinum card. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability. You can proactively contact the bank customer service to apply for upgrade.
Banks with high credit card limits
1. Ranking of average bank credit card limits
First place: Industrial and Commercial Bank of China. The average card limit is: around 41,000;
Second place: Agricultural Bank of China. The average card limit is: around 35,000;
Third place: China Everbright Bank. The average card limit is: around 33,000;
Fourth place: Industrial Bank. Average card limit: around 24,000;
Fifth place: Hua Xia Bank. Average card limit: around 24,000 but slightly lower than Industrial Bank.
2. The maximum credit limit of each bank’s credit card
The maximum credit limit of ICBC Peony International Credit Card (dual currency): RMB account: 5,000 to 20,000; USD account: 1,000 to 2,000.
The maximum limit of the Industrial and Commercial Bank of China Peony Credit Card (RMB): 20,000
The maximum limit of the China Construction Bank Dragon Card Credit Card (dual currency): 50,000
China Construction Bank Dragon Card Credit Card (RMB) Maximum Limit: 5,000
China Merchants Bank Credit Card (Dual Currency) Maximum Limit: 10,000
Bank of Communications Pacific Credit Card (RMB )Maximum limit: 50,000
Guangdong Development Bank Credit Card (RMB) Maximum limit: 50,000
CITIC Industrial Bank Credit Card (Dual Currency) Maximum limit: 50,000
CITIC Industrial Bank Credit Card (RMB) Maximum Limit: 50,000
Shenzhen Development Bank Development Credit Card (RMB) Maximum Limit: 50,000
In summary, ICBC Credit Card Limit The highest, followed by Agricultural Bank of China and Everbright Bank, with quotas of more than 30,000. If it is easier to apply for a credit card, then the four major state-owned banks (the four major banks refer to the four major state-owned banks of agriculture, China, industrial and commercial banks, and construction) are obviously at a disadvantage. Among them, the best bank to handle credit cards is undoubtedly China Merchants Bank. In addition, in fact, after the development of ICBC in recent years, the threshold for applying for credit cards has also been lowered. Therefore, in summary, the ICBC credit card is the bank that is easy to apply for and has a high credit limit. Secondly, China Everbright Bank is not weak either. Small and medium-sized banks, such as China Merchants Bank, Communications Bank, and CITIC are all pretty good, and their credit limits are quite high.
That’s it for the introduction of each bank’s credit card limit.