The credit limit of a credit card is determined according to everyone's income.
There are 3000 yuan, 5000 yuan, 10000 yuan, 50000 yuan, 100000 yuan and so on.
2065438+On March 1 2007, the People's Bank of China promulgated the Management Measures for Bank Card Business.
The new "Measures" greatly lowered the overdraft interest rate of credit cards. At the same time, under the premise of improving risk control, the overdraft limit of a single credit card has been increased. According to the new "Measures", credit card overdrafts are charged with interest at a daily rate of 0.5 ‰, and the simple interest is calculated on a monthly basis. The longest overdraft period is 60 days.
The new "Measures" stipulate that the single overdraft limit of personal cards is 20,000 yuan, and the monthly overdraft amount does not exceed 50,000 yuan; The single overdraft limit of the company card is 50,000 yuan, and the monthly overdraft balance does not exceed 654.38+10,000 yuan or 3% of its comprehensive credit line; The overdraft amount of a foreign currency card shall not exceed 80% of the cardholder's deposit; The average monthly overdraft balance exceeding 180 days shall not exceed 15% of the total overdraft balance.
How much can I overdraw my credit card?
Credit card overdraft limit refers to the available limit provided by the credit card issuer to the cardholder when shopping with the card. The overdraft limit of different credit cards is also different. For example, the overdraft limit of a general card is generally below 1 1,000 yuan, the overdraft limit of a gold card is generally below 50,000 yuan, and the overdraft limit of a platinum card can reach 1 1,000 yuan and above.
Credit limit refers to the maximum overdraft limit given to the applicant by the bank when approving the credit card. Applicants can only spend credit cards within this limit. If this amount is exceeded, they will spend by credit card irregularly, or charge a certain fee for the part that exceeds the amount.
If you want to withdraw cash, you need a credit line, that is, the bank gives the applicant a maximum overdraft limit when approving the credit card. Applicants can only spend credit cards within this limit. If this amount is exceeded, they will spend by credit card irregularly, or charge a certain fee for the part that exceeds the amount.
Overdraft limit division:
Civil servant: 5000 yuan-10000 yuan.
Self-employed (chattel mortgage): 10000 -30000 yuan.
Self-employed (real estate mortgage): 20,000-50,000 yuan.
If you withdraw cash, you need a handling fee, and the interest will be a little higher than that of swiping a card. The overdraft limit is based on the overdraft limit of your credit card. If your overdraft amount is 10000, you can overdraw 10000 yuan. Credit cards on the market now are generally 5 1 day interest-free. But if you withdraw cash, there will be no interest-free statement of 5 1 day.
How to increase the credit card limit?
1, frequently use credit cards to win by swiping the cards. In daily life, credit cards are used wherever you can swipe your card. Regular use will definitely help cardholders to increase their credit limit as soon as possible.
2. Ensure the amount of credit card spending every month. It is best to generate at least 30% of the total credit card consumption records every month. If it lasts for more than half a year, the banking system can easily recognize the cardholder's spending power and actively invite the cardholder to increase the credit limit of the credit card.
3. Ensure that the credit card can be repaid in full and on time. This is very important for credit card holders who want to raise the limit. If you can't repay in full and on time, there will be a bad record of credit card repayment, which will not only affect the cardholder's personal credit information, but also greatly extend the time for credit card to increase the credit limit.
4. Enrich the consumption types of credit cards. Different consumption types will reflect cardholders' different consumption concepts and spending power, and will also affect the progress of credit card promotion to some extent. Within the scope of our power, we will increase the opportunities for large-scale credit card spending to promote the credit card limit as soon as possible.
5. Increase the number of applications for using temporary credit card limit. The repeated application and use of the temporary credit card limit also shows the urgent desire of credit card holders to increase the credit card limit, and can also speed up the process of increasing the credit card limit.
6. Actively apply for increasing the credit limit of credit cards. We can actively express the urgent hope of improving the credit limit of credit cards to banks through various channels, and actively provide relevant asset certification documents and relevant vouchers for the continuous improvement of their consumption power, so as to accumulate more favorable evidence for banks in system evaluation and improve the credit limit of credit cards as soon as possible.
How much can I overdraw my credit card?
If you mean China Merchants Bank credit card, it depends on your quota. Generally, there are fixed and temporary quotas.
The fixed amount will generally be further judged according to fixed income, fixed deposits, fixed assets and fixed liabilities. Generally speaking, the fixed amount of Puka is 65,438+0,000-65,438+0,000 yuan, and the fixed amount of Gold Card is 65,438+0,000-50,000 yuan. No matter the gold card or the Puka card, they are generally RMB 3,000-50,000, platinum and diamond credit cards. The unlimited credit card limit is subject to the audit results.
The temporary limit is the result of our comprehensive evaluation with reference to all aspects of your situation, including whether you repay the loan on time, whether you often use our credit card, the type of consumption and the specific situation of consumption. These are the factors we consider. The success of the application depends on the results of system evaluation. You can log in to credit card online banking and click Account Management → Account Limit Management → Temporary Limit Adjustment.
This concludes the introduction of the most overdrawn credit card and the most overdrawn credit card. I wonder if you have found the information you need?