Do you have a credit card limit?

How much is the credit card?

There is no fixed credit line, and the level of credit line is often related to the applicant's economic conditions. In addition, there are many factors that affect the credit limit. Most credit cards in China are divided into several levels, including ordinary cards, gold cards and platinum cards. Different levels of credit lines are different. General credit line is between 1 0,000-1 0,000 yuan, gold card is between10,000-50,000 yuan, and platinum card is above 50,000 yuan. But each bank has different regulations on the limit.

First of all, some tips for beginners to choose cards

1. It is also convenient to choose a bank with many outlets to do business. China Merchants Bank and Bank of Communications are preferred, with many outlets, low card threshold and higher quota than other banks, and their online banking, mobile banking, WeChat and other services are also very good.

2. Choose a credit card according to your own needs. For example, if you spend more money shopping in the supermarket, you can choose a supermarket co-branded card and enjoy credit card discounts; If the frequency of business trips is relatively high, it is suitable for handling airline co-branded cards or hotel co-branded cards.

3. Choose the card level according to your actual situation. If you have a good financial situation, you can apply for a platinum card directly. If it is general, it is best to apply for a general card.

2. What is the credit card limit?

Credit card limit, also known as credit card available limit, refers to the maximum amount of credit card you can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in credit card. The amount of any credit card depends on the effective income provided by the individual during the application process and the value of the asset guarantee. The credit limit of a credit card is positively related to the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit. Therefore, the applicant must provide proof of income and statement of asset guarantee. Asset guarantee includes fixed assets such as real estate and automobiles, as well as current assets such as savings and bonds.

Third, credit card limit promotion skills

1. Credit card consumption is continuous and frequent.

Persistence means that after you have a credit card, you should insist on long-term credit card consumption. It is best to have a credit card spending limit every month for more than three consecutive months. Don't freeze it for a long time.

Frequent consumption means spending anywhere you can swipe your card, regardless of the amount. The more credit card times and services, the better. If you swipe your card at one time, it is easy for the bank to think that it is+++,and it is difficult to increase the quota.

2. Pay attention to the credit card limit and temporary withdrawal.

Pay attention to the credit card limit and make full use of temporary withdrawals.

3. Stick to the application and seize the opportunity to apply.

Insist on applying and seize the opportunity to apply, and have both. For credit card users, you can insist on telephone application to increase the credit card limit, because different customer service or staff have slightly different attitudes and principles in handling this application. Maybe the last one failed and the next one passed. Sticking to the record left by telephone application will also help to increase the application amount in the future.

4. Threaten to use the cancellation card or suspend sleep.

Threaten to use a pin card or suspend sleep. When your application has been rejected many times, you can consider using this trick. Tell the customer service or staff of the bank directly that if the credit card limit cannot meet the actual needs, you will consider returning the card. It is best to present some facts, of course, the attitude should not be too bad, and it is best to combine hard and soft, so that it is easy to get room for discussion and consultation.

How much is the credit card?

The credit card limit is determined by the bank according to the applicant's credit status and the card level applied for, generally following the standard credit card limit: 0- 1 10,000 yuan; Credit card gold card amount: 1 10,000-50,000 yuan; Platinum card and above: 50,000 and above.

1. According to the general classification of credit cards in banks, credit cards can be divided into ordinary cards, gold cards, platinum cards and unlimited cards, and the corresponding credit card limits are also different. In general, the amount of the general card is between 1 0,000-10,000, which is suitable for ordinary wage earners; The amount of gold card is between 10000-50000, which requires the applicant to have certain economic strength; Platinum cards and unlimited cards are symbols of distinguished status. Generally, the limit is above 50,000, and there is no upper limit. The specific credit card limit needs to be evaluated and determined by the bank according to your comprehensive qualifications.

With the appearance of credit cards, we have more++,so credit cards are very popular in the market. But for us ordinary people, how much does it cost to get a credit card? In order to let users know this problem clearly, let Bian Xiao introduce it to you.

3. It is understood that the most important conditions for applying for a credit card now are: 18-60 years old, having a stable job and income, and the necessary application documents are a copy of ID card and work certificate. However, for ordinary people to apply for a credit card limit, in fact, the credit card limit is uncertain, mainly depending on the materials provided by your application for review. If the income source is relatively stable, the credit card limit is relatively high.

Credit cards are issued by banks, and the authority and security of banks are recognized. Although the concept of over-consumption may run counter to some people, it must be said that the increase of credit card share has also brought convenience to residents' lives and increased the performance of banks. So how high is the credit card limit? The central bank gave the following data.

1. According to the latest payment system in the second quarter recently announced by the central bank, at present, the cumulative circulation of credit cards in China is 756 million, which means that each person holds 0.5 cards, and one in every two people has a credit card, so the coverage is very wide.

2. With so many credit cards, what is the total credit line? The data shows that the current total credit line is 17.9 1 trillion yuan, which exceeds the total GDP of Guangdong Province last year and is equivalent to 10 times the market value of ICBC. According to the calculation of 756 million credit cards, the average credit line of each card is about 24,000 yuan.

3. Of course, for most people, a credit line of more than 20,000 can already meet most daily consumption needs, such as buying basic furniture and household appliances, or as a fund for children's education. Even if it is second-hand, it is still affordable. After all, only a few people earn more than 20 thousand a month, but for high-income groups, this credit line is not too much.

The bank decides according to the applicant's credit conditions and the card grade applied for, and generally follows the standard credit card limit: 0- 1 10,000 yuan; Credit card gold card amount: 1 10,000-50,000 yuan; Platinum card and above: 50,000 and above.

How big is the credit card limit?

1. What is the credit card limit?

1, Puka: 1000- 10000 yuan, where there is no gold card, it can be 50,000 yuan.

2. Gold card: 10000-50000 yuan. Because the city card only has a gold card, the amount is between 5000-50000 yuan.

3. Platinum card: generally more than 50,000 yuan, and the highest can reach more than 200,000 yuan.

4. Unlimited card: Only platinum credit card users are invited to issue cards, and the amount is the same as that of platinum cards, both of which are more than 50,000 yuan.

5. Black card: the amount is about 2 million-10/00000.

2. What is the credit card limit?

1. A bank can apply for multiple credit cards.

The same bank can apply for multiple credit cards instead of one. Take China Merchants Bank as an example. There are many kinds of cards, such as online games, cartoon fans and business trips. Cardholders can choose multiple cards that suit them according to their life and consumption habits.

2. Share the credit card limit of the same bank.

The amount of credit cards in the same bank is shared, and the card with the highest amount shall prevail. Take the above-mentioned Xiao Chen as an example. If the credit card limit is 20,000 yuan and the other is 50,000 yuan, then the fixed limit that Xiao Chen can use is only 50,000 yuan. For example, Xiao Chen spent 654.38+00000 yuan using the YOUNG card during the Spring Festival, so the remaining amount of the YOUNG card is 654.38+00000 yuan, and the amount of the CarCard car card will automatically become 40000 yuan.

3. Multiple credit cards should be repaid separately.

Although multiple credit cards in the same bank share the same quota, the repayment is "different from cards", and different cards should be paid off separately according to their own consumption amount. However, due to the different regulations of banks, for example, China Merchants Bank can return the total consumption of several credit cards to one card. I suggest you consult the bank before applying for a credit card to avoid overdue.

Third, credit card quota promotion methods

1, the larger the consumption amount, the better, and the total consumption for half a year is at least 30% of the quota;

2. Consume as much as possible. For transactions with an average of more than 10 per month, it is easier to withdraw cash for transactions with more than 20 transactions;

3. Choose as many businesses as possible, such as shopping malls, supermarkets, gas stations, casinos, etc.

4. The less bulk consumption such as wholesale and house purchase and car purchase, the easier it is to raise the amount;

5. The less online shopping, Alipay transactions and cash withdrawals, the easier it is to approve applications;

6. The type of merchants who swipe their cards cannot always be similar to the business scope of the company.

Is there a credit limit after the credit card application?

As long as the credit card is activated, there is a limit, but in your case, the initial limit of the credit card should not be high, but as long as you keep good use, you can usually call the bank to apply for withdrawal after three months.

1959, Bank of America issued an American bank card in California. Since then, many banks have joined the ranks of card-issuing banks.

In the 1960s, bank credit cards were quickly welcomed by all walks of life and developed rapidly. Credit cards are popular not only in America, but also in Britain, Japan, Canada and European countries. Since 1970s, Hongkong, Taiwan Province, Singapore and Malaysia have also started to handle credit card business.

In the 1960s, credit cards sprouted and developed rapidly in developed countries in Europe and America, such as the United States, Canada and Britain. After more than 50 years of development, credit cards have been widely accepted in more than 95% countries around the world.

In 1980s, with the development of reform and opening up and market economy, credit cards, as electronic and modern consumer financial payment tools, began to enter China, and have developed by leaps and bounds in the past decade.

After the financial crisis and the ups and downs of the domestic economy, the credit card market in China picked up on 20 16. By the end of 20 16, the total number of credit cards issued in China has exceeded 590 million. In 20 16, the transaction amount of credit card consumption in China reached 74 1.8 1 trillion, up by 10.75% year-on-year, and the proportion of credit card consumption in the total retail sales of social consumer goods continued to increase.

According to the "20 13-20 17 report on the in-depth investigation and investment strategic planning of China's credit card industry", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures to curb the excessive rise of asset prices and control inflation, which shows that macro-prudential and strengthening capital supervision have become the supervision of China's banking industry.

The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.

20 12 February, the bank confirmed that the credit card is safer without password, and if it is stolen, it will share the responsibility with the bank. Enjoy an interest-free period of 25-56 days (or 20-50 days). Credit card consumption enjoys an interest-free period, and the bill amount is paid off before the due repayment date, without any cost. There is no interest-free repayment period for cash withdrawal, and five ten thousandths of daily interest will be charged from the date of cash withdrawal, and the bank will also charge a certain percentage of cash withdrawal fee.

China's credit card market is still one of the fastest growing product lines in China's personal financial services market. Although the economic benefits of the industry are full of challenges, the average annual growth rate of credit card issuance in China will remain at around 65,438+04% in the next 65,438+00 years, and the profitability will also tend to improve. It is estimated that by 2020, the cumulative number of credit cards issued in China will exceed 800 million.

What is the credit card limit?

There are high and low credit card quotas, and different credit card grades correspond to different quotas. For users who apply for a credit card for the first time, the amount is usually relatively small. What is the credit card limit?

The credit card limit is between 2000 yuan and 5000 yuan; The gold card amount is between 5,000 yuan and 20,000 yuan; The amount of platinum card is between 20,000 yuan and 50,000 yuan; The amount of diamond cards is more than 50,000 yuan, and some diamond cards even exceed 6,543,800 yuan.

1, Puka. Ordinary users apply for credit cards for the first time, usually ordinary credit cards. When applying for a credit card for the first time, try to choose a local commercial bank, because the probability of applying for a card is relatively high, and the review is looser than that of the four major state-owned banks. The credit card replenishment amount is usually low, generally only between 2000 yuan and 5000 yuan, and the specific credit card amount can only be determined after application.

2. Gold card. At that time, users with credit cards often used credit cards to spend and repay on time. Usually about three months, the bank will upgrade the ordinary credit card, that is, the Puka will be upgraded to a gold card. Generally, the amount of gold cards for credit cards is between 5,000 yuan and 20,000 yuan, and the regulations of each bank are different, but the difference is not very big.

3. Platinum card. Credit card platinum card is higher than gold card. Generally, the amount of a platinum credit card is between 20,000 yuan and 50,000 yuan. When the user holds a credit card and the gold card repays on time, and the consumption amount is high, the banking system will upgrade the credit card to a platinum card, giving the cardholder more access and consumption amount.

4. diamond card. General diamond card is the highest level of credit card. The credit limit of a diamond card is usually above 50,000 yuan. Some banks will set the credit limit of diamond cards at more than RMB 654.38+10,000, and upgrade them to diamond cards through platinum cards. If you want to upgrade to a diamond card, you must have good personal credit, strong spending power and repayment ability, and you can take the initiative to contact the bank customer service to apply for upgrading.

How much is the credit card?

The credit card limit of China Merchants Bank is 3000- 1 10,000 yuan, and the gold card limit is 1 10,000-50,000 yuan. According to the information submitted by the customer, the customer's credit card fixed limit is comprehensively evaluated, and the final audit result shall prevail. (Multiple credit cards under the same account name share the same limit)

Application conditions

(1) China residents, foreigners living in China, compatriots from Hong Kong, Macao and Taiwan have reached the age of 18, have full capacity for civil conduct, and have good credit standing. They can apply for personal credit card master cards with their valid identity documents.

Personal cardholders can also apply for supplementary cards for other natural persons with full civil capacity or natural persons with limited civil capacity. The main cardholder can apply for cancellation of the supplementary card at any time.

(2) Enterprises, administrative institutions, social organizations and other economic organizations authorized by legal persons who open basic deposit account in domestic financial institutions can apply for business cards from card issuers with supporting documents such as the basic deposit account account opening permit issued by the People's Bank of China (foreign exchange settlement accounts are also required to apply for international business cards).

The qualification of the cardholder of the unit card shall be designated and revoked in writing by the legal representative of the unit or its authorized person. The applicant shall bear all debts arising from the unit card.

(3) When applying for a credit card for the first time, the applicant shall fill in the credit card application form correctly, completely and truthfully, and submit the relevant supporting documents required by the card issuer, and agree that the card issuer may inquire about the credit status of the applicant from any relevant department, unit or individual, and keep and use the relevant materials.

(4) According to the credit status of the applicant, the card issuing institution decides whether to issue the card, whether to require the applicant to provide the guarantee and the guarantee method, and determines the way and type of obtaining the card, the credit line granted to the applicant, etc. Failed application materials will not be returned.

(5) The ways for the applicant to provide guarantee include: guarantee, mortgage and pledge. A corresponding guarantee contract shall be signed separately for the guarantee. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, over-limit fees, late fees and recourse fees for overdrafts within and outside the credit line).

(6) After receiving the credit card, the cardholder shall immediately sign the same signature as the credit card application form in the signature column on the back of the credit card, and use the same signature when using the credit card, otherwise the cardholder shall be responsible for the losses arising therefrom. Card issuers also provide cardholders with inquiry passwords and transaction passwords (that is, cash advance passwords and credit card consumption passwords) through designated channels.

This concludes the introduction of credit card limit and additional credit card limit. I wonder if you have found the information you need?

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