How much can a CCB credit card exceed the limit?
Although CCB credit cards allow an appropriate limit to be exceeded, the over limit will not be too much, generally 5% to 10% of the credit limit. about. The specific amount that can be exceeded is determined based on the cardholder's comprehensive card usage. In addition, the over-limit limit is also affected by the card level. For example, the over-limit ratio for gold and regular cards is 10% of the current credit limit, and the over-limit ratio for platinum (inclusive) cards and above is 5% of the current credit limit.
China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient payment experience. There are more than 100 credit card products in multiple series, including Dragon Card Family Love Card, Global Popular Card, Tencent Game Card, etc., to meet customers' various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.
Annual fee-free policy: Swipe the Gold Card 3 times to waive the annual fee for the following year (excluding business cards, car cards and other special cards)
Cash withdrawal fees: Domestic: 1‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3% of the transaction amount, minimum 3 US dollars.
Maximum interest-free period: 50 days
Multi-account management: Limit *** and enjoy independent repayment on the billing day.
Online payment: Alipay: can be used after online registration, single and single-day limits are 5,000 yuan
Instalment business: support interest-free installments (3 installments, 6 installments) at specific merchants Issue, Issue 12, Issue 24). After a single purchase of more than 1,000 yuan, you can apply for installments (3, 6, or 12 installments) by phone. Each installment will incur different handling fees depending on the number of installments.
Billing date: 27th of every month, can be modified once a year.
Card type: Gold card (limit 10,000-50,000 yuan)
Currency: RMB
China Construction Bank Credit Card provides you with cash withdrawals (cash withdrawals) Services, cash withdrawals (cash withdrawals) are subject to a cash withdrawal fee. According to the relevant regulations of the People's Bank of China and the State Administration of Foreign Exchange, within the country, the cumulative amount of cash withdrawals (cash withdrawals) per card per day shall not exceed 5,000 yuan (excluding withdrawals at overpayment outlets).
Cash withdrawal (cash withdrawal) includes two situations: overdraft withdrawal and overpayment cash withdrawal. One is overdraft cash withdrawal, and the other is overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by China Construction Bank to help you flexibly deploy funds when you are in urgent need.
The overdraft cash withdrawal limit is set according to your card usage, and the maximum limit shall not exceed 50% of your credit limit. In addition to cash withdrawal fees, domestic and overseas overdraft withdrawals also require interest payments and do not enjoy interest-free treatment. Overpayment withdrawal means that you withdraw the funds stored in the card or the funds overpaid during repayment.
Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If you need to increase the available limit of the supplementary card, the main cardholder should call our 24-hour service hotline to apply.
If you withdraw more than 5,000 yuan in excess payment on the same day, you must go to the counter of a China Construction Bank outlet.
CCB Credit Card Temporary Limit
The temporary credit limit of China Construction Bank cannot be deferred and can only be paid off in one go. Only with the temporary limit can you apply for installment payment, so the temporary limit is less Apply for installment payment only if the amount is fixed. If you still can't get it, I suggest you contact the bank and have a positive attitude.
The temporary quota is relative to the permanent quota, which is the quota that can be used within a certain period of time. Usually, the temporary quota of China Construction Bank is up to 3 months.
For example: Assume that the permanent limit of a credit card is 10,000 yuan and the temporary limit is 15,000 yuan. The validity period is from January 1, 2015 to March 31, 2015. So, before 15/1/1, this credit card can be used up to 10,000 yuan. During the period from 15/1/1 to 15/3/31, the credit card can be used up to 15,000 yuan. After 15/3/31, The credit card has returned to its original fixed limit, which means that it can be used up to 10,000 yuan.
Extended information:
As the name suggests, the temporary credit limit refers to the credit limit that the bank temporarily adjusts to the credit card holder. Generally speaking, the temporary credit limit is increased.
As the name suggests, the temporary credit limit refers to the credit limit that the bank temporarily adjusts to the credit card holder. Generally speaking, the temporary credit limit is increased. If the fixed credit limit of your credit card is not enough (for example: decoration, travel, etc.), you can call the credit card center of the card-issuing bank and ask customer service to temporarily increase the credit limit within a certain period of time. The customer service will according to your request Use your card records to determine whether you can temporarily increase your credit limit. After the specified time, the credit limit will be adjusted back to the original fixed limit.
Generally speaking, if your credit card usage record is good and there are no overdue or other illegal card usages, you can temporarily increase your credit limit. The scope of increasing the temporary credit limit is generally controlled to X of the fixed limit. times. In addition, during fixed long holidays such as Christmas, New Year's Day, Spring Festival, and National Day, the bank's credit card center will actively adjust the temporary limit of the credit card. Generally, the temporary limit will be increased to X times the fixed limit for cardholders to use during the holidays. It will take approximately one month after the holiday to return your limit to the original fixed limit.
Reference material: Temporary limit - Baidu Encyclopedia
How to temporarily increase the limit on China Construction Bank Credit Card Online, and what is the maximum amount that can be increased?
There are five ways to apply for the temporary credit limit of China Construction Bank:
1. Bring your ID card and credit card, go to the nearest China Construction Bank branch, and apply for an increase directly at the counter Temporary credit card limit.
2. Cardholders can call the China Construction Bank Credit Card 24-hour customer service hotline 400-820-0588 and apply for adjustment of the temporary limit of the credit card through manual service.
3. Use the phone number reserved in the bank, edit the text message "The last four digits of CCTE# and the amount that needs to be adjusted to" and send it to 95533.
4. You can apply through the WeChat official account (taking Apple 12, ios14, WeChat version 8.0.13 as an example):
Follow the WeChat "China Construction Bank" official account, and then follow You will be prompted to bind a credit card, and then click "Credit Card - Limit Management" to apply for a temporary limit.
5. Log in to the "China Construction Bank" mobile APP (taking Apple 12, ios 14, APP version iPhone 5.6.0 as an example), search for "Credit Card Temporary Limit Adjustment", and follow the prompts.
The failure to apply for a credit limit increase from China Construction Bank may be due to the following reasons:
(1) There are overdue situations in the previous credit report, resulting in a bad credit record;
(2) The credit card you are applying for has a relatively short holding period and needs to be activated and used for a period of time before you can apply;
(3) You have just applied for a permanent limit or the temporary limit you applied for has just expired;
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(4) The maximum limit of the previous credit card is rarely used, and the credit card usage rate is not high;
(5) There have been recent irregularities in card use, such as cashing out or borrowing the card. Used by others;
(6) The status of the credit card held is abnormal or has expired.
It is worth noting: If you hope to improve the credit card score of your credit card through high consumption, it is recommended to spend more and diversify your consumption in various physical stores, such as travel, supermarkets, and restaurants. I use credit cards to pay for daily purchases and repay the money in a timely manner every month.
If your card usage record is good, China Construction Bank may also send you a text message to invite you to increase the fixed limit of your credit card.
What is the limit for applying for a CCB credit card for the first time? The temporary limit is more practical
As one of the four major state-owned banks, CCB’s card issuance volume has been breaking through. Data shows that in the first half of 2017, The number of cards issued exceeded 100 million. In addition, CCB credit cards are at the forefront in terms of service and quality. Many people choose CCB when they apply for a credit card for the first time and their credit conditions are good. So, what is the limit when applying for a CCB credit card for the first time?
First of all, it should be clear that the credit card limit issued by the bank is comprehensively determined based on the applicant's card application conditions. There are many factors taken into consideration, including personal income, stability of work and life, personal assets and Credit status.
The final payment will be made based on the card level of the card type applied by the applicant to the bank. The limit corresponding to the CCB credit card level is as follows:
General card: the limit is generally between 0 yuan and 10,000 yuan;< /p>
Gold Card: The limit is generally between 10,000 yuan and 50,000 yuan;
Platinum Card and above credit cards: The limit is generally above 50,000 yuan, with no specific upper limit.
That is to say, if you apply for a CCB credit card for the first time, the limit will not exceed 10,000 yuan, and if you meet the conditions for a gold card, the limit will not exceed 50,000 yuan.
Many people do not pay attention to the card application skills when they apply for a credit card for the first time. As a result, the bank card limit is far from meeting their actual consumption needs. At this time, you can increase the limit through the following methods.
1. You need to swipe your card frequently, regardless of whether the amount is large or small, as long as you can swipe it, and pay attention to the diversification of the types of merchants where you swipe your card. It is best to swipe your card mostly in physical stores. In addition, occasional installments can be appropriate to give the bank some expected returns. The most important thing is to ensure the stability of consumption, continue to use the card, and repay the loan in full and on time.
2. If you have overseas consumption needs, you must seize the opportunity to swipe your card. China Construction Bank attaches great importance to overseas consumption, which is "ha". If you want to increase your balance quickly, if you can't go abroad for consumption, you can do more overseas shopping, or make donations from a US dollar account, etc.
Reminder: The limit for applying for a CCB credit card for the first time depends on whether your application materials are strong. If you want to increase the limit, you must swipe the card carefully, because the CCB credit card limit increase review is conducted by computer and cannot Manual intervention, consumption and repayment data determine everything. Quick application
How long is the temporary credit limit of China Construction Bank valid for?
The temporary credit limit of China Construction Bank is valid for up to 90 days, which is 3 months.
Once the validity period expires, the temporary limit will automatically expire, and the card limit will return to what it was before applying for the temporary limit.
China Construction Bank is one of the four major banks. It has many customers, and many people have credit cards from China Construction Bank. Regarding the use of credit cards, people can increase their limit during the process of using the card, such as applying for a temporary limit.
When the temporary limit we apply for our CCB credit card expires, we must be careful not to overdraw when using the card, otherwise we will be charged over-limit fees. After the temporary limit expires, you will need to repay it in the next bill. The repayment must be paid in full, not in installments, and there is no minimum repayment amount.
How to temporarily increase the credit limit of China Construction Bank credit card:
1. If our existing credit limit is not enough, we can apply to China Construction Bank in advance to temporarily increase the credit limit, and China Construction Bank will Make appropriate adjustments for us based on my credit status and card usage. If we need to temporarily increase the credit limit, you can call the 24-hour service hotline and provide relevant materials as required.
2. The temporary credit limit is valid for up to 3 months. After expiration, our credit limit will automatically be restored to the original limit. The credit limit of the supplementary cardholder is set by the principal cardholder. If the temporary credit limit of the supplementary card needs to be adjusted, the principal cardholder must apply.
To sum up, the temporary limit period of CCB credit card generally ranges from 25 days to a maximum of 90 days. The temporary limit that can be increased is generally 10%-50%. The bill for the period when the temporary limit expires Matters related to the temporary limit will be listed in detail, and we can repay according to the amount shown on the bill.
Be wary of “over-limit fees” when repaying a temporary limit. When using a temporary quota, you must also note that it must be used within the validity period, otherwise you may be charged an "over-limit fee." After the temporary limit expires, the credit card will automatically revert to the original credit limit. If you still use your card to consume according to the temporary limit at this time, you will be charged an over-limit fee. There is no unified standard for this fee among various banks. Instead, it is calculated based on the overdraft limit, which may be up to several hundred yuan.
What does the temporary limit of CCB credit card mean?
The temporary quota is relative to the permanent quota, which is the quota that can be used within a certain period of time. Usually, the temporary quota of China Construction Bank is up to 3 months. For example, assume that the credit card has a permanent limit of 10,000 yuan and a temporary limit of 15,000 yuan. The validity period is from January 1, 2015 to March 31, 2015.
So, before 15/1/1, this credit card can be used up to 10,000 yuan. During the period from 15/1/1 to 15/3/31, the credit card can be used up to 15,000 yuan. After 15/3/31, The credit card has returned to its original fixed limit, which means that it can be used up to 10,000 yuan.
The method of self-service application for temporary limit is as follows:
First, self-service voice over the phone
Second, online banking - credit card - credit card limit adjustment (according to After the prompt operation, if the poster has an online banking shield, then insert the online banking shield to verify and confirm the application for balance adjustment; if not, the bank will send a text message verification code to the mobile phone you reserved in his system for verification)
Third, SMS quota adjustment, the poster uses the mobile phone number reserved in his home system to edit the SMS "the last four digits of CCTE# need to be adjusted to the quota" to 95533.
That’s it for the introduction of the highest temporary limit of China Construction Bank’s credit card.