Is the credit card limit 1w high?

The credit card limit of 1, is not very high.

under normal circumstances, the minimum Capka limit of newly applied bank credit is and the maximum is 5, yuan. Generally, the initial amount of a gold card is 1, RMB, and the maximum amount is not more than 1, RMB. Under normal circumstances, the minimum initial credit limit of a platinum card RMB account is 5, yuan, and the minimum initial credit limit of a platinum card account is 5, dollars. At present, there is no upper limit for the platinum card credit limit, and the bank will make a comprehensive judgment according to your credit status and card usage.

The credit card limit is determined by the bank according to the applicant's credit conditions and the card grade applied for. Generally, the following standards are followed: 1. The credit card limit is between RMB and RMB 1,; 2. Credit card gold card amount: 1,-5, yuan; 3. Platinum card and above: 5, or above.

Extended information:

1. Temporary credit line adjustment: Temporary credit line of credit card. According to the regulations of the bank, the credit line that is generally temporarily increased is 2% based on the permanent credit line, and it has a certain validity period.

raising the temporary credit card limit can make cardholders enjoy the convenience of spending by swiping their cards during the peak consumption period, but the temporary credit limit does not enjoy the revolving credit. The actual credit card limit exceeding the original credit limit will be included in the minimum repayment amount of the current statement, which needs to be paid off in one lump sum before the due repayment date.

The temporary limit should be used skillfully. The credit card swiping part in the temporary limit of most banks can't choose installment repayment or minimum repayment when repaying like the credit card swiping part with ordinary limit. Therefore, if you don't repay in full within the time limit, you will be charged an overrun fee of up to 5%, which will even affect your credit history.

2. Long-term credit line adjustment: Cardholders who have used their credit cards normally for more than 6 months can apply for an increase in the fixed credit line. Cardholders can submit the latest proof of assets or income to the bank counter, and ICBC will review it according to the cardholder's card use history and repayment records, and adjust the credit card limit for cardholders after passing the review. Inform the customer of the audit results within one week. If the cardholder can provide some assets proof materials when submitting the application, it can obtain a higher credit limit.

the amount of platinum card is only 1, yuan? Related to these reasons!

In many people's minds, Platinum Card is a high-end credit card. Regardless of rights and interests, its quota is higher than that of Jinpu Card, at least starting from 5, yuan. But in fact, there are many people who are dissatisfied with the amount of platinum card. There are often posts on the Internet saying that the amount of a platinum card is only 1, yuan. There are two main reasons for the low amount of platinum cards, as follows:

1. Small platinum cards

There are several kinds of platinum cards in many banks, such as small platinum, standard white, elite white and diamond white, etc. Different types naturally have different amounts. Generally, the lowest amount is small platinum, which is often considered as a fake platinum card. The amount is often below 5, yuan, so it is common to get a platinum card with a quota of 1, yuan, and some people even have a lower quota.

For example, the Platinum Card for Burning Dreams, which was relaxed by the Agricultural Bank of China, has a platinum card level, but the amount of the next payment is generally not high. After consulting the customer service, I learned that the minimum amount is only 2, yuan, and even some netizens received an invitation to apply for a card by SMS, and the amount is only 1, yuan. To be honest, this amount is really not comparable to the gold cards of some banks.

second, the personal qualification is not enough

of course, the credit card quota ultimately depends on the qualifications of the applicant, which is also an important reason why many people obviously run platinum cards, and the result is only 1, yuan, or even lower. After all, your personal qualifications don't pass, and you can't let the bank recognize your repayment ability. Naturally, the bank won't take the risk to grant you a large card.

The influencing factors include education background, technical title, working status, marital status, economic ability and financial status.

summary: the amount of a platinum credit card is not necessarily large. If your qualifications are not particularly good, you'd better apply for a gold card, so the amount will be larger. If you reluctantly apply for a platinum card, although there is a chance of success, the amount of the card is generally not high.

why does my business card run more than 2 million yuan a year, but I only need 1, yuan for a credit card?

The bank flow is only a reference indicator for handling credit cards, and it is closely related to your work unit, nature of work, years of social security, years of provident fund and credit record.

However, generally speaking, the most important thing for each bank's credit card approval and risk control system is not your running water, but your work unit, social security years, fixed assets, bank deposits and so on.

to put it bluntly, the running water in the bank doesn't have much reference value. My wife is a finance officer of a large automobile group, and the running water in her personal bank card is between 6 million and 3 million every month. There is also a real estate (Shenzhen Bay No.1) in her personal name, worth more than 2 million, which was transferred to her name by the company and then sold to the outside world. My wife went to the bank to apply for a credit card. At that time, many banks called my wife and said that they could apply for a high-value credit card, but they needed to check the real estate license. Although this house is affiliated to my wife's name, the right to use and the real estate license are in the hands of the company.

Therefore, the credit card limit is only 5, without the real estate license. If the real estate license is verified by the bank, the credit card can handle more than 1 million.

running water, this thing, is too empty. If you have high-value fixed assets, you can apply for an ultra-high credit card immediately. If your house is worth 5 million, you can apply for a 5, credit card. This is no problem.

first, ICBC is the "aunt card" in the banking industry, and the aunt card has a limit of 1, to 2, yuan. There is no doubt that the credit card limit of ICBC is low.

second, your more than 2 million running water is equivalent to almost 2 million running water in a month. If the income is not income, but as a transit point, it will basically have no effect on ICBC.

Let me analyze several dimensions of ICBC's credit line to users:

1. Financial assets.

ICBC pays more attention to users' contribution to ICBC, so it uses star rating to show it. In other words, do you have any assets such as deposits and wealth management or fund precious metals in ICBC?

2. Real estate.

Do you have any real estate? If you submit the real estate or car when you apply for the card, the quota will be greatly increased.

3. Stability of income

This relates to the problem of running water, such as your monthly income, salary or the profit of a shop or company.

4. Consumer preference

ICBC, like Alipay, gives you a credit card. What is it for? It's not for you to brush. Business, turnover. ICBC doesn't like people who do wholesale business or small business, but people who spend a lot, such as traveling abroad and high-end consumption. For example, if you are a small wholesaler, you don't spend much at ordinary times. You want to cash in your credit card and return it after 4 days. He doesn't like people like you.

at present, ICBC classifies each customer into star grades, which are mainly based on three parts: (1) personal financial assets (including treasury bonds, deposits, funds, wealth management, etc.); (2) Personal liabilities (including personal housing mortgage loans, other personal loans and card overdrafts); (3) Intermediate business (including card consumption transactions and settlement transactions).

Therefore, the settlement can affect the star rating of ICBC. A normal flow of 2 million yuan can at least give you a 6-star standard at the next higher level. Theoretically speaking, a 6-star customer will not be less than 3, yuan. If you actually only have a credit limit of 1, yuan, there are generally two reasons: First, the quality of the settlement flow is extremely poor; Second, other personal conditions are average.

The normal business settlement flow will bring in and out, which will drive a certain amount of settlement deposits, and the counterparties of transactions are also complex and diverse. This is a normal settlement flow. But if your running water comes in and out immediately, there is no stopping; Or it's that several accounts are running around, so the quality of this settlement flow is extremely poor, and it will even be listed as invalid flow, so this flow has no reference for your card-issuing quota.

if your running water belongs to the normal operating and settlement running water, and the card is only 1, yuan, then your other factors have dragged down your credit card credit line. Generally speaking, the credit card approval limit mainly refers to three parts:

(1) personal qualifications (including your work and salary level). If you have 2 million normal business lines (non-financial personnel), then your personal qualifications should be good (whether you are a self-employed or private enterprise, the annual settlement can reach 2 million yuan, which is considered excellent);

(2) Personal credit information: credit information is the premise of card verification. If there are many overdue records in your credit information in the past or you have multiple loans at present (the scale of your responsibility is close to or exceeds your repayment ability), then your credit line will be compressed.

(3) Personal assets: Personal assets are mainly used to increase the amount. For example, the amount of your personal qualification is 2, yuan. If you have sufficient personal assets (house, car, deposit, financial management, etc.), you can increase the amount, so this has little impact on your next 1, yuan.

running water (especially for individual industrial and commercial households or private enterprises) is a reference factor for getting a card, but it is not a decisive factor, so it is not surprising that you have a line of 1, yuan under the running water of 2 million yuan. If you have a deposit of 2 million yuan, it will be a miracle.

After many years in the bank, my views are as follows:

Generally speaking, the determination of credit card limit is related to the applicant's identity information, property information and contribution. Using the scoring method, the average daily balance of the applicant's account, whether it is a loan, whether the work unit belongs to a central enterprise in the State Council, whether it holds an executive position, age, account balance, transaction situation, and credit card information held by the applicant are given different weights for initial scoring. At the same time, the credit status, credit card holdings of other banks, whether to submit additional property certificates, etc. are corrected to get a score, and the initial credit card limit is determined accordingly.

transaction flow is only one of the calculation factors, accounting for a small proportion. The total transaction amount is a sub-item, and the more important sub-items are the source of funds, the stability of the source, and whether it is transferred regularly. Capital precipitation, where to spend. In particular, if the funds are used for Internet investment, it will be a big discount factor.

Your business card runs more than 2 million yuan a year, and you are only given a quota of 1, yuan, which shows that you are not superior in other scoring factors. As far as I know, ICBC's credit card only gives 1, yuan, which is already relatively low.

It can only be said that bank flow is one of the indicators of credit card approval, but it is not a necessary condition. My classmate, a staff member in a county town subordinate to a third-tier small city, applied for an ICBC credit card with a salary of only 3k. Before that, there was no ICBC card, and there was no so-called running water. The amount of the card was 8w, which was irritating.

The four major banks are the most snobbish. Employees in most love's civil servants, teachers and doctors are paid real income because of their stability. And other industries, such as self-employed, make you hundreds of millions of dollars. Well, many of them just made a pass on the card and immediately turned away, which has no reference value.

In addition, the four major banks attach great importance to assets. If you have assets, it is also very helpful to have real estate licenses or motor vehicles.

Hello, I'm Xingdong Liaoka.

Your ICBC card runs more than 2 million yuan a year. If the credit card is only 1, yuan, it will definitely be invalid. I'll tell you what an effective running water is first:

1. If the amount of income exceeds 24 hours, it is called running water, and if the income does not exceed 24 hours, it is called running account.

2. The running water required by the bank should be continuous for more than 6 months, and any one month is not counted.

3. A certain amount of savings cards should be kept continuously, such as more than 5,. If there are only a few hundred savings cards in one month, and then tens of thousands of them cross in two months, it will be regarded as invalid.

4. Withdrawing cash from Alipay WeChat and saving money from your own card to your own industrial and commercial savings card are not considered running water, and the ATM cash deposit bank only recognizes it. It just means that if you have funds deposited in the card to settle interest, the bank will recognize it as appropriate.

several aspects of credit card application:

1. Identity, you should be self-employed. This kind of bank thinks that there are so many uncertainties that it is impossible to say if you have money today or go bankrupt tomorrow. The bank would rather give a person who pays 3 yuan a month a credit card limit than give it to you. (Commercial banks also said that the four major banks are like this)

2. Work units, large enterprises, Fortune 5 companies and state-owned enterprises are basically 3, cards. If you are 1,, there will definitely be more problems in the work unit.

3. Credit investigation is not expensive. If the credit card approval record and loan approval record are more than three times within three months, it is a sub-item.

4. You only mentioned the flow of ICBC, but didn't specify what card to apply for. Then it is possible that you chose other banks, and the amount of cards issued by Baihu Commercial Bank will be higher than that of the four major banks, unless it is business.

5. If you apply for a credit card at the same time, it is easy to get a bunch of low-value food cards.

If you want to apply for a large credit card, you can take 1% of the running water and deposit it in any bank for 3 months, preferably for more than 6 months, and get a credit card of more than 2, yuan.

Simply put, just because your bank has a large flow of water doesn't prove that your income is high.

If you can deposit a three-year deposit of 2, yuan in the bank, you should be able to get a platinum card with a price of more than 5, yuan.

There are flows in and out of the bank. If the flows in and out are similar and the balance is not much, it doesn't prove that your income is high. For example, it may be the finance of a private enterprise, and employees' salaries are paid through your bank card; It may also be a small individual in a wholesale market; Or a cash POS machine can easily do it.

The credit system of a bank is comprehensively analyzed. If you have a stable job, a house, a car and savings, it is easy to prove your financial level.

The main factors that affect the credit card amount are: 1. Credit reporting debt ratio; 2. The number of credit cards, the total credit line and the use ratio of the line; 3. Fixed assets; 4. Effective flow of the bank where the credit card is applied.

Your ICBC card flow is more than 2 million a year, and the credit card credit limit is only 1,, indicating that your flow is not an effective flow. The effective running water of banks should meet the following requirements: 1. Running water should be kept overnight, and the longer it is stored in banks, the better; 2. Save more and take less, especially at the end of the month; 3. The best running water is the running water of punching in wages.

A beautiful bank's effective flow is very important for handling banking business. Most banks approve loans and credit cards based on their personal flow for half a year. Therefore, when you plan to go to a bank for loans or apply for a credit card, you must do a good job of "bank flow" six months in advance. If you don't punch in your salary, you must make a plan for saving money in advance, and you must plan the bank flow according to the principle of "more deposits, less withdrawals, fixed deposits and increasing deposits month by month".

after it was reported that the credit card balance exceeded 5 trillion in the middle of this year, banks began to tighten credit lines. Recently, it has been reported that there are 88.1 billion credit card arrears, and I believe many people have been concerned by banks. Part of these concerns is to reduce the quota. From the original limit of 35, to 1,, or ask for proof of your cash by providing bank running water.