1, VISA and MasterCard are international credit card organization standards, and UnionPay is China credit card organization standards, and they are equal. There are two kinds of credit cards issued in China: one is a single-currency card (UnionPay and RMB settlement) and the other is a dual-currency card (MasterCard, VISA, American Express and UnionPay). At the beginning, UnionPay was the younger brother, so we had to use a dual-currency card to go abroad. But now that China is developed, most foreign regions support UnionPay single currency cards.

2. The bank's quota for different ordinary cards and gold cards is different. Generally speaking, the amount of standard MasterCard is between 1000 and 10000, while the amount of standard MasterCard is between 10000 and 50000. The specific amount is subject to the results of the materials provided by the applicant, and the auditing standards of different banks are also different.

3. The credit card limit is given by the bank according to the comprehensive score of the information submitted by the applicant. Reference items include age, gender, unit, income, position, housing, education, work experience, marriage, real estate, professional title, credit record and so on. One score segment corresponds to one result. If the applicant wants a higher quota, the more complete the information provided.

After the bank has passed the examination, it will notify the applicant by phone or SMS. Under normal circumstances, the applicant can inquire about the initial credit card limit by calling the bank customer service. When the credit card is mailed to the applicant, it will also be accompanied by a credit card limit statement.

Extended data:

For non-cash transactions (cash advance or transfer), the interest-free repayment period is from the bank bookkeeping date to the due repayment date. The shortest interest-free repayment period is 25 days and the longest is 56 days. During this period, you don't need to pay any interest on non-cash transactions, provided that you pay off the current payable amount (total amount owed) on the current statement in full (you don't enjoy the interest-free discount on cash advance).

The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is 65438+ 00% of the consumption amount plus other payables. The minimum repayment amount is listed on the current bill.

Baidu Encyclopedia-Bank of Communications Standard Credit Card