The maximum credit limit of Platinum Card can be as high as 200,000 to more than 1 million. And the annual fees for platinum credit cards are generally very high. For example: ICBC's platinum credit card has a maximum limit of 200,000 and an annual fee of 2,000. You must swipe the card every year for 200,000 to be exempted.

The maximum credit limit of the Agricultural Bank of China credit card is determined based on the Agricultural Bank of China credit card limit, which is the comprehensive credit limit of the credit card.

The maximum limit of the Agricultural Bank of China credit card is scored based on your various circumstances:

1. The most important thing is work, which indicates your cash inflow ability and stability. The best They are civil servants, followed by public institutions, followed by large enterprises, foreign-funded companies, etc.

2. Next is the position. The higher the position, the higher the income, the stronger the solvency, and the higher the quality.

3. Credit record, your previous credit card repayments and loan repayments.

4. Educational level.

5. There will be extra points for asset status, real estate, vehicles, deposits, etc.

Therefore, the maximum limit of an Agricultural Bank of China credit card depends on your own comprehensive credit limit. If you meet the high-limit conditions listed above, your credit card limit must also be very high.

The determination of the Agricultural Bank of China credit card limit mainly follows three major principles:

Can it be returned on time;

The needs of the cardholder;

The former takes precedence over the latter;

Supplement:

For salaried workers without much extra income, the appropriate credit card limit is roughly = monthly disposable income ÷ minimum repayment ratio , and monthly disposable income = monthly income (after tax) - basic living expenses - loan repayment;

At present, the minimum repayment ratio of credit cards is basically 10%, so the maximum amount that the bank can grant should It is 10 times the average monthly disposable income, which ensures that the monthly disposable income is at least enough to pay off the minimum payment on your credit card debt.