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1, line
Refers to the amount that the lender can borrow from the borrower without providing property guarantee. It usually means that a natural person borrows money from a bank, and the bank is willing to provide the highest amount of loans according to the credit status of the individual. This amount will be determined unilaterally by the bank because of income, income, debt ratio, work content, company, company position, property and so on.
2. What does a negative available quota mean?
The available amount is negative, indicating that the used amount of the credit card exceeds the total amount of the credit card. The calculation method of credit card available limit is: available limit = credit limit approved by the bank-outstanding debt on the bill-transaction amount that has not been recorded but has occurred-other related interests and expenses. Unpaid recorded amount refers to the amount of credit card transactions that have been booked but not returned; Cumulative used unrecorded amount refers to the amount of credit card transactions that have occurred but have not been accounted for; Other related interests and expenses refer to interest such as cash withdrawal or installment payment. For example, if the credit line is 20,000 yuan, the outstanding amount is 654.38+0,000 yuan, and the used unrecorded amount is 4,000 yuan, the available line is 6,000 yuan.
3. What does the credit line mean?
Credit line, also called credit line, refers to the loan line given to you by a bank or institution after a comprehensive evaluation of your credit qualification. Credit line, also known as "credit line", is the maximum amount allowed by the borrower in the agreement signed between the borrower and the bank. However, this provision is not legally binding. If the bank lacks credit funds or the customer's financial situation is poor, the bank can change the credit limit or refuse to provide loans according to the situation.
4. Automatic withdrawal of credit card or application for withdrawal?
If the credit card meets the withdrawal conditions, the bank will automatically withdraw the credit card. If the credit card has not been withdrawn automatically for a long time, then the user can take the initiative to apply for withdrawal. Therefore, there are two main ways to withdraw cash by credit card, namely, automatic withdrawal and application for withdrawal. Credit cards can be withdrawn in both ways, but the final withdrawal result will be different.
5. Can I withdraw money from my credit card?
Yes, the money in the credit card can be withdrawn. Credit card withdrawal can be divided into two situations, one is credit card overdraft withdrawal, and the other is credit card overpayment withdrawal.