1, ordinary card amount: 2000- 10000 yuan;
2. Gold card amount: 2,000-50,000 yuan;
3. Platinum card limit: 50,000 yuan or more, with a maximum of 1 10,000 yuan.
The overdraft limit of Bank of Communications credit card is determined by the applicant's personal qualification. The first application amount of Bank of Communications credit card is about 1000 yuan to tens of thousands of yuan. The higher the credit card level, the better the personal qualification, and the greater the credit card overdraft limit issued by Bank of Communications.
If users exceed the limit, they need to pay the over-limit fee. The overrun fee is generally 5% of the overrun, ranging from the lowest 10 yuan to the highest 200 yuan. The excess must be paid in the current period, otherwise interest will be generated and there will be bad records. When the consumption amount is greater than the maximum credit card limit, you can apply for the temporary credit card limit of Bank of Communications. The temporary quota can be obtained through Bank of Communications, mobile banking or calling customer service.
Is there a charge for credit card exceeding the credit limit?
No charge. According to the regulations of Bank of Communications, there will be no excess charge for credit cards. However, if the cardholder uses the service beyond the credit limit, the bank will immediately send a text message advising the cardholder to repay the loan immediately.
The SMS bill shows the total amount to be repaid in the current period. Include the transaction part exceeding the credit limit. Cardholders can choose to repay in full or in part.