What is the limit of Hua Xia Black Card Credit Card? The limit of the highest card level will not be small

Black Card Credit Card is known as the "King of Cards". It has capabilities that you can only imagine, no It can't do it. But unfortunately, only ICBC and China Merchants Bank are qualified to issue black cards in China. The Hua Xia Black Credit Card mentioned by card friends is actually a platinum credit card with an all-black card surface - Hua Xia Elite Global Credit Card (Prestige Combo). So, what is the limit of this Hua Xia Black Card credit card?

The initial credit limit of Hua Xia Bank credit card is generally from a few thousand to tens of thousands of yuan, or even as high as hundreds of thousands or millions. Because Hua Xia Bank does not have the highest level of black card issuance qualifications, the platinum card is the highest card level. The credit limit of Hua Xia Black Card Platinum Credit Card is generally more than 50,000 yuan, and the specific credit limit is determined by the bank based on your credit standing when applying for the card.

There are two types of Hua Xia Black Card Credit Cards to choose from. The difference lies in the annual fee:

Hua Xia Elite Global Credit Card? World Exclusive Card (MasterCard): RMB 880/card/year for the main card, free for supplementary cards. The annual fee will be charged in the following year. If the annual transaction reaches 2,500 US dollars or 15,000 yuan, the annual fee will be directly waived. If the above conditions are not met, 50,000 points can be used to redeem the annual fee.

China Elite Global Credit Card? Premium Platinum Card (UnionPay): RMB 680/card/year for the main card, free for supplementary cards. The annual fee is waived in the first year, and if you complete 5 transactions in the first year, the annual fee is waived for the following year.

Exclusive privileges of Hua Xia Black Card Credit Card

1. Global airport VIP lounges. Cardholders only need to show their VIP lounge membership card to enjoy the comfort and convenience three times a year for free. Unhurried waiting/waiting service in VIP lounges at global airports/high-speed rail stations.

2. Hertz offers a 10% discount on car rentals. When booking, please enter the discount code (CDP#) 1942185 to enjoy a 10% discount.

Summary: What is the credit limit of Hua Xia Black Card? Although it is not as high as the unlimited limit of pure black card, it is the highest card level of Hua Xia Bank. As long as you have good application conditions, the limit will not be too low, and there are There are so many privileges to enjoy. Quick application

Is the Hua Xia Credit Card (debit card) limit high?

The limit of Hua Xia Credit Card (credit card) is related to the card level and the credit qualification of the applicant. The limit of regular card is between 2,000-10,000 yuan, the limit of gold card is between 5,000-50,000 yuan, and the limit of platinum card is between 5,000 and 50,000 yuan. The amount is above 50,000 yuan. According to user feedback, Hua Xia Bank's approved card limits are generally not high, and platinum cards may only have a limit of a few thousand yuan, so the Hua Xia credit card (debit card) limit is not too high.

Which limit of Hua Xia Credit Card is higher

The limit of Hua Xia Credit Card is divided according to the credit card level, which is divided into regular card, gold card and platinum card, with the limit from low to high.

The limit for regular cards is about 3,000-10,000 yuan, the limit for gold cards is about 10,000-30,000 yuan, and the limit for platinum cards is more than 30,000 yuan. The specific amount depends on your qualifications and the bank’s final review.

The credit card limit is directly related to your qualifications. If the following conditions are met, the limit will be correspondingly higher:

1. Job: civil servant, public institution or large enterprise , foreign-funded companies, etc., can prove your income level and stability.

2. Position: The higher the position, the higher your salary level and the stronger your repayment ability.

Assets: real estate, vehicles, deposits, bank financial products, etc. will also add points to the qualification review.

: Things to note when using credit cards:

1. Use installment payments with caution

A very expensive thing requires you to spend so much money at once It will definitely feel painful to pay, but when they tell you "Dear, we can pay in installments!" you will definitely be very happy to take it home. Because when a broken plan is put into your daily expenses, you won't feel so painful and you will feel like you are getting a good deal. In fact, apart from the fact that your amount of money may only be slightly more than if you paid it in full and there are handling fees, many people will think that this is nothing and it is affordable.

But when you start to repay this part of the money in installments, your heart will change over time. The first few repayments will still make you feel very painful, and you will feel a little unaccustomed to using money. It always feels like a part of it has been set aside. In the following days, you begin to forget about this amount and feel that it is okay without it. It is difficult for this money to stay in your wallet for a long time. After you repay this part of the money, you will still continue to try to find a way to spend this part of the money, "Looks like I can buy something else, this The installment amount is what I can afford." OK, the merchant’s purpose has been achieved.

2. Repay in full

When you reach the repayment period, you will feel that you can just repay part of it. Anyway, your credit will not be deducted, just a little bit. Just interest. Oh my dear, I believe they are also happy for you to continue like this. After a year, you will feel that half of your salary has been contributed to the bank.

3. Develop a good habit of keeping accounts

Many people use credit cards for consumption, but they always feel that they still have a lot of money in their hands and have not spent it. When I buy something, I feel like I have double money. I just swipe the card first, and I won’t pay it back until next month anyway. And with so much money in hand, I can still buy something else. In order to prevent you from spending more than you should, you need to have a clear financial management system to help you see where your money is going.

4 Don’t use multiple cards to support each other

Do you think you are really smart? You can use different repayment dates to take advantage of the loopholes, and use other banks' overdrafts to repay your bank's loopholes. Children, you have to know that this kind of thing is just something you do occasionally. If you use this as a way to try to maintain a card, the circulation of information will quickly make it impossible for you to borrow money from other bank cards, making it difficult for you to repay your own loopholes, and then you will look for ways to borrow money everywhere. And borrowing money will eventually lead to a desperate situation where money is strangling the neck.

5. Keep the application form

Keep the receipt of your successful credit card application, and then leave the number on the back of your credit card. Then set up the credit card so that you don’t need to enter a password when swiping the card, only a signature is required. When your card is lost, you are solely responsible if your password is swiped when you swipe the card. However, if you do not need to enter a password but only sign, the bank is fully responsible. Of course, the best thing is to protect your card.

That’s it for the introduction of Huaxia’s credit cards with high limits.