What credit card has the highest limit?
Credit cards are divided into regular cards, gold cards, and platinum cards. The regular card limit is generally between 0 and 10,000 yuan, and the gold card limit is about 10,000 yuan. ~50,000, and the Platinum Card’s limit is generally above 50,000. In summary, the Platinum Card’s limit is the highest.
The overdue credit card is due to our failure to repay the debt we incurred when using the credit card within the specified date after using the credit card. The impact of overdue credit cards on us is quite serious. If not handled well, it is likely to cause unnecessary trouble to us and make us very upset.
Normally, after our credit card becomes overdue, most banks will provide timely repayment and tolerance services for the credit card in the hands of the cardholder. That is to say, the bank allows under certain circumstances, if the credit card holder fails to repay within a certain period of time, as long as the card holder can call the card-issuing bank to apply for payment in time and pay the full amount within the limited period after the repayment date specified by the bank. If the debt is paid off, the cardholder's overdue payment will not be entered into the personal credit system.
In fact, there are clear regulations on overdue credit card laws, and the impact on credit reporting is only the smallest aspect. Generally speaking, overdue credit cards will have serious consequences for individuals:
The first is fines and interest.
Overdue credit card repayments will incur late payment fees and interest. Late payment fees will be charged at 5% of the unpaid portion of the minimum repayment amount, with a minimum charge of RMB10 yuan or USD1 yuan. Interest will be charged on all consumption in the current period from the recording date (usually the next day after consumption), with a daily interest rate of 0.05% until all is paid off.
It can be seen that overdue credit cards are not economically cost-effective for individuals, and the financial penalties are heavy.
Secondly, those who violate the criminal law may face imprisonment
Article 196 of the Criminal Law stipulates that under any of the following circumstances, anyone who conducts credit card activities and the amount is relatively large shall be sentenced to not more than five years or criminal detention , and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and also fined not less than 50,000 yuan but not more than 500,000 yuan; if the amount is particularly huge or there are other serious circumstances In particularly serious cases, a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscation shall be imposed:
(1) Using a forged credit card, or using a false identity certificate to defraud
(2) Using an invalid credit card;
(3) Pretending to use another person’s credit card;
(4) Malicious overdraft .
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.
Which bank's credit card is easier to apply for and has a higher limit?
Relatively speaking, commercial banks are easier to apply for than credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.
1. China Merchants Bank Credit Card
The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.
Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.
2. Bank of Communications Credit Card
What is often recommended is the Bank of Communications Y-power card, which has a cash withdrawal limit of up to 100. There is no annual fee in the first year, and you can swipe the card 6 times for free. The annual fee is very impressive.
The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on gas.
4. CITIC Bank Credit Card
It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verification of information is very simple, as long as a copy of the ID card is provided. But as for raising the quota, it’s very difficult.
CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.
5. Guangfa Bank Credit Card
Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card.
As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.
6. Everbright Bank Credit Card
It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.
In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will increase slowly.
This is the end of the introduction about which credit card has the largest credit limit and which bank credit cards have the highest credit limit. Have you found the information you need?