2. One-day limit of overdraft debit card: including pocket life, mobile banking (including PAD banking) and customer service telephone voice system, and the cumulative amount of each card per day shall not exceed RMB 5,000. Online banking (popular version, professional version) does not exceed 2000 yuan per card per day.
Tips: Generally, the amount of cash withdrawal and overdraft transfer is 50% of the credit limit (100% for youth cards).
Article 6 Credit cards can be divided into debit cards and quasi-credit cards according to whether the reserve funds are deposited in the issuing bank. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
Measures for the Administration of Bank Cards Article 36 The issuing bank authorizes each withdrawal of credit cards, and the daily cumulative withdrawal of each card shall not exceed RMB 2,000. The issuing bank shall set a transaction ceiling for cardholders to withdraw money from ATMs. The cumulative daily withdrawal of each card shall not exceed RMB 5,000.
credit card
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.