1. The credit limit of China Construction Bank’s regular card is generally between RMB 3,000-10,000.

2. The credit limit of China Construction Bank Gold Card is in the range of 10,000-50,000 yuan.

3. The credit limit of China Construction Bank Platinum Card is generally more than 50,000 yuan.

The credit card limit of China Construction Bank will be different according to the qualifications of the applicant. It is recommended to contact the staff of the bank institution to confirm.

Credit card is a simple credit loan service of the bank, which is embodied as a payment method for non-cash transactions. The credit card limit is determined by the bank based on the credit worthiness and financial resources of the cardholder.

When a cardholder applies for a credit card, the bank will determine the limit based on the cardholder’s creditworthiness and financial resources at that time. If the cardholder uses the credit card normally for a long time without any abnormal status such as overdue, and within a certain period of time ( Generally 3 months to 6 months) If the credit card payment amount is more than 60% of the limit, the bank's system will automatically adjust the temporary limit or fixed limit. If there is no adjustment, you can contact the customer service staff of the bank's credit card center to apply for a limit increase. Some card banks can directly call you to apply for a limit increase.

If the bank customer service staff informs the cardholder to go to the counter to handle the limit increase business, then the cardholder needs to prepare relevant materials to handle the process: ID card, credit card, and statements for the past six months (for UnionPay cards with larger turnover, statement ), credit card limit increase application form (fill in this line). If there are no problems in the bank's review, the limit will be adjusted appropriately.

Extended information:

Cash withdrawal (cash withdrawal) includes two situations: overdraft withdrawal and overpayment cash withdrawal. One is overdraft cash withdrawal, and the other is overpayment cash withdrawal. Overdraft cash withdrawal is a small cash loan provided by China Construction Bank to help you flexibly deploy funds when you are in urgent need.

The overdraft cash withdrawal limit is set according to your card usage, and the maximum limit shall not exceed 50% of your credit limit. In addition to cash withdrawal fees, domestic and overseas overdraft withdrawals also require interest payments and do not enjoy interest-free treatment. Overpayment withdrawal means that you withdraw the funds stored in the card or the funds overpaid during repayment.

Overpayment can automatically increase the available limit of the main card, but does not increase the available limit of the supplementary card. If you need to increase the available limit of the supplementary card, the main cardholder should call our 24-hour service hotline to apply.

If you withdraw more than 5,000 yuan in excess payment on the same day, you must go to the counter of a China Construction Bank outlet.

Domestic cash withdrawal:

(1) ATM cash withdrawal - Withdraw RMB cash at our bank's ATM or other bank's ATM with the UnionPay logo with your card and password.

(2) Cash withdrawal at the counter - Withdraw RMB cash at the counter of any of our branches with your card and password.

Reference: China Construction Bank Credit Card-Baidu Encyclopedia