The credit limit of rural credit cooperatives depends on the financial proof you submit. The higher the value of the submitted information, the higher the limit. The credit limit of all gold cards of rural credit cooperatives is RMB 20,000-200,000, and the limit of all ordinary cards is RMB 20,000-20,000. The card is valid for 3 years. During the period of using the card, make more purchases with the card. Try to choose stores with credit cards for food, clothing, housing and transportation. The more frequently you use it, the more stable your monthly consumption limit will be. Just change the original habit of cash consumption to credit card consumption

How to increase the credit limit of rural credit cooperatives

You can call to apply for an increase in the limit, but you must also pay attention to healthy use of the credit card limit and provide proof of financial resources to gradually increase the limit; see the main precautions for using credit cards:

1. Cardholders can use credit cards to pay as much as possible in daily consumption, especially to increase large-amount consumption expenditures (except for wholesale consumption. Frequent payment for wholesale consumption is not only not conducive to increasing the credit limit, but may also be illegal. suspected of cashing out).

2. After several months of continuous consumption, you can actively apply to the bank. The card department will decide whether the limit needs to be increased based on the cardholder's consumption record. After the credit limit is increased and used for a period of time, about three months later, you can apply to the bank again to gradually increase the credit limit.

3. Provide proof of asset income. Take the initiative to provide proof of asset income to the bank, and the more detailed the proof materials you provide, the higher the income, and the higher the credit limit that may be approved by the bank.

4. Repay the loan in full and on time. Try to repay your loan in full and on time each month. The repayment status is an important item in the credit card record. Cardholders should try to avoid paying interest beyond the interest-free period due to untimely repayment. Otherwise, it will not only be detrimental to increasing the credit limit, but may also cause stains on the credit record.

China Construction Bank Platinum Credit Card is divided into two types: premium version and elite version.

1. Annual fee for premium version: 3,600 yuan/year for the main card, 2,800 yuan/year for the supplementary card;

2. Annual fee for the elite version: 1,800 yuan/year for the main card, 1,800 yuan/year for the supplementary card Card 1,200 yuan/year;

3. Credit limit: 100,000--1 million.

Bank credit card cash withdrawal interest:

There is no interest-free period for credit card cash withdrawals. From the date of withdrawal, overdraft cash withdrawal interest of 0.5% will be charged every day until it is paid off.

Cash withdrawal methods with bank credit cards

1. Domestic: You can withdraw RMB cash with the withdrawal password at Bank of China branches, ATMs or other commercial bank ATMs with the UnionPay logo. .

2. Overseas: You can withdraw local legal currency and conduct cash advance transactions at any ATM around the world with the PLUS, CIRRUS or UnionPay logo.