Does anyone know what a credit card limit of 20,000 is?

The level of a credit card with a limit of 20,000 yuan is determined by the level of the card.

The gold card limit of general banks is about 10,000 to 50,000 yuan, so a credit card with a limit of 20,000 yuan is at the middle level of a gold card, but it is relatively high among ordinary credit cards and requires applicants to meet Certain application qualifications. The credit card limit is given by the bank based on a comprehensive evaluation of the information submitted by the applicant, and is determined by multiple factors such as the applicant's age, income, savings, and credit history.

1. Ranking of credit cards:

The basic ranking of credit cards is generally regular card, gold card, platinum card, diamond card and black card. The higher the grade, the larger the limit. The more services and rights you can enjoy.

General card: The limit ranges from 0 to 10,000 yuan, usually no more than 10,000 yuan. You can usually enjoy the annual fee-free policy, such as swiping the card 6 times to waive the annual fee for the next year, and redeem points every year. Fee reduction and exemption, enjoy the bank's most common preferential policies, usually no special rights.

Gold Card: The limit is generally between 10,000 and 50,000 yuan, and the standard is higher than that of ordinary cards, usually several hundred yuan. The annual fee reduction and exemption policy is the same as that of ordinary cards, except for some special cards, and the service is slightly better than that of ordinary cards. For regular cards, the discounts are usually greater than for regular cards, and the points accumulation policy is also more powerful than for regular cards.

Platinum Card: The limit is usually between 50,000 and 1 million, the annual fee is usually not waived, and you can usually enjoy high-end services provided by banks such as golf, SPA, physical therapy, airport transfers, and VIP rooms.

Diamond Card: It is a higher level than Platinum Card. It has higher requirements for the status of the card holder. Only successful people can apply for it. Therefore, Diamond Card has a higher limit, which can highlight the card holder. A person’s noble status. The cardholder is required to have an income of more than one million, and the limit is also in the million level.

Black card: This card is not available to everyone and does not accept applications. The card will only be issued if actively invited by the bank. There are three domestic banks, namely Industrial and Commercial Bank of China, China Merchants Bank and Minsheng Bank. All are by invitation, and conditions vary.

2. How to apply for a credit card

1. You can apply for a credit card by providing proof of employment and salary;

2. The credit limit is based on your salary and assets It will be determined based on the circumstances;

3. After getting the credit card, you can activate it and use it as an overdraft; credit card application conditions:

1. Be 18 years or older;

2 , Hold a valid ID card;

3. No bad credit record;

4. Have a permanent job certificate;

5. Stamped with the financial seal of the unit Proof of income;

6. Proof of other financial resources, such as real estate, cars, stocks, bonds, etc.;

7. Proof of social pension insurance;

8. Provide two contact persons. The first three conditions must be met, and providing 4-7 supporting materials as much as possible will increase the success rate of card application and credit limit. It is best to apply for a credit card at a bank branch. You will be notified by phone after approval.

What are the requirements for applying for a credit card with an overdraft limit of 20,000? Which bank is best to go to?

The limit of China Merchants Bank’s regular credit card is 3,000 to 10,000 yuan, and the limit of gold card is 10,000 to 50,000 yuan. The fixed limit of a customer’s credit card application is comprehensively assessed based on the information submitted by the customer for final review. The results are subject to change. (Multiple credit cards under the same account *** enjoy the same limit)

The most important conditions for applying for a CMB credit card are that you are between 18 and 60 years old (overseas residents are between 25 and 60 years old), have certain financial ability and Good credit history. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following 4 ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate document; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.

Please note that the credit card status will be subject to the final review result.

I want to apply for a 20,000 credit card. What conditions do I need to meet?

The most important condition for applying for a China Merchants Bank credit card is that you are between 18 and 60 years old (overseas residents are between 25 and 60 years old). Have certain financial ability and good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.

If you are interested in our credit card and have never held a credit card from our bank, you can apply in the following 4 ways:

1. Please log in to the credit card website and select " "Apply for a Credit Card" - "New Customer Application";

2. Please bring your original identity certificate, employment certificate and financial certificate documents to any branch of China Merchants Bank to apply in person;

3 . You can also call the customer service hotline, select "3#" in the voice message to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you and notify our local staff to contact you to confirm the application.

4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version.

Remind you that the issuance and limit of the credit card will be subject to the final review results.

If you want to apply for a credit card worth RMB 20,000, what conditions do you need to meet?

Hello, the limit of China Merchants Bank’s regular credit card is 3,000 to 10,000 yuan, and the limit of gold card is 10,000 to 50,000 yuan. The fixed limit of a customer’s credit card application is comprehensively assessed based on the information submitted. The final review results shall prevail. (Multiple credit cards under the same account will enjoy the same limit);

The most important condition for applying for a credit card is to have a stable job and income. The necessary application documents are a copy of the identity certificate and a work certification document. If you can provide other financial support documents, it will be more helpful to understand your personal situation and determine your credit limit. Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card; 2. Proof of employment: it can be issued by the unit where you are employed. Original work certificate (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or a copy of the original work certificate/plate that has been verified by the promoter and marked; 3. Proof of financial resources : It can be salary records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other information that can prove your financial level. . Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

If you are applying for our credit card for the first time, there are three application methods: 1. Online application: 2. Please bring your original identity certificate, work certificate and financial certificate documents to any CMB branch in person handle. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply.

What are the conditions for applying for a China Merchants Bank credit card with an overdraft of approximately 20,000 yuan

What are the conditions for applying for a China Merchants Bank credit card with an overdraft of approximately 20,000 yuan

You can apply. None of the big four banks pays much attention to the nature of the account. If possible, apply for a China Merchants Bank all-in-one card first, save some money in it, and then apply for a credit card. Generally, it is unlikely that you will be approved in one go. You can continue to apply!

Basic requirements for applying for a credit card: proof of identity, proof of employment, and proof of income.

The level of the limit is determined comprehensively with reference to the financial proof you provide to the bank and the bank's comprehensive scoring system.

How to overdraft with China Merchants Bank Credit Card?

For credit cards, allowing "consumption first, repayment later" and overdraft are important features. For debit credit cards, "deposit first, then spend". However, on the premise that it is determined to be a bona fide overdraft and repayment is guaranteed, cardholders are also allowed to overdraft an appropriate amount within a short period of time when they are in urgent need of funds. Overdraft interest is generally much higher than that of bank loans in the same period, and card issuers have a complete set of measures to prevent and pursue overdraft risk losses.

Overdraft cash withdrawal is a small cash loan provided by banks to customers, which helps you arrange funds flexibly when customers are in urgent need.

In layman's terms, it is a form of borrowing that uses the credit card given to you by the bank to withdraw cash through the bank counter or ATM machine. If you are spending money in a shopping mall, swiping your credit card directly is called overdraft consumption (there is an interest-free period).

What kind of business can be used for overdraft with China Merchants Bank credit card?

If the available limit of your China Merchants Bank credit card is enough for you, you can swipe the card for consumption.

Want to apply for a China Merchants Bank Credit Card (Beijing)

If you are applying for a credit card for the first time, then because you do not have any consumer credit record, the bank mainly relies on your various income assets status, determine whether to approve your card and the size of your credit limit.

Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, and car title. certificate, bank deposit certificate or securities certificate, etc.

Secondly, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of being approved for a credit card, and the higher the limit):

1. Do you have a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score);

2. Whether you are married (the score of married is higher than that of unmarried) (higher);

3. Whether it is a registered permanent residence in this city (a registered permanent residence in this city has a higher score than a registered permanent residence in other places);

4. Whether there is a house (having a house has a higher score than not having a house) High, living by yourself has a higher score than living with parents);

5. Education level (the higher the education level, the higher the score);

6. Nature of work unit (work The more stable and well-known the unit, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all score higher, while unknown private companies and small foreign companies score lower);

7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees)

What to do if you have a credit card overdraft at China Merchants Bank

If you meet the requirements CMB credit card application conditions, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in a China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following four ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate file; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that the credit card status will be subject to the final audit results.

China Merchants Bank Credit Card Overdraft Problem

Hello, as long as your credit card has enough available limit, you can make an overdraft, either by swiping the card or paying overdraft online. You can enjoy the interest-free period for credit card purchases. The interest-free period means that if you pay off all the consumption before the final payment date, you do not need to pay any interest. The interest-free period for repayment ranges from 20 to 50 days, and the length of time will depend on the specific time of your consumption. If your consumption is before the current bill date, it will be included in the current bill; if it is after the bill date, it will be included in the next bill, and you can enjoy a longer interest-free period.

If you still have questions, please add corporate QQ customer service 4008205555 or add a new public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.

What are the requirements for Taiwanese to apply for a China Merchants Bank credit card?

Credit card application requirements:

Be 18 years old or older and not more than 65 years old;

You need your second-generation ID card;

Proof of employment and income stamped with the company’s financial seal;

No bad credit record;

Other financial resources Proof, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Give the bank’s personal information and photocopy of the information;

Send it to the bank To the credit card center;

The credit card center will audit, print and issue the card;

After I get the card, I will open it and wait for the password letter.

Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate or a car under your name. If you have fixed assets or a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.

I want to apply for a China Merchants Bank credit card. How to contact you?

1. Credit card application methods:

1. Apply at the bank counter;

2. Apply on the official credit card website;

3. Apply to the bank Application by credit card salesperson;

4. You can apply on WeChat;

2. There are two main conditions for credit card application:

1. Age requirement: 18- 60 years old;

2. Have a stable job and source of income.

3. Materials and documents required for application:

1. Domestic residents only need to provide: completed and signed application form, identity document, and residence certificate file , income certificate files;

2. Foreigners and people from Hong Kong, Macao and Taiwan also need to provide: Foreigner’s residence permit (the reason for residence must be employment) or employment permit for foreigners/Hong Kong, Macao and Taiwan;

3. If you are a private owner, in addition to the above information, you must also provide: a photocopy of the industrial and commercial business license showing the applicant’s name, company name and date of business commencement.

4. If you want to apply for a credit card with a relatively large limit, you need to provide proof of good financial strength, such as: a photocopy of the real estate certificate, a photocopy of the car driving license; a bank loan account (with good credit, no more than 10% overdue) 60 days) or a copy of the deposit receipt, etc.

What are the requirements for applying for a China Merchants Bank credit card? Can I do it personally?

Individuals can apply. A. Provide ID card + work badge or business card + the company will pay you money; B. Provide ID card + work badge or business card or a photocopy of the legal person’s business license + a photocopy of the production certificate Or a photocopy of your driving license

Requirements for applying for a China Merchants Bank credit card online

The two most effective ways to apply for a large-amount credit card

One of the most effective ways : Submit proof of property

For large credit cards, the choice of bank credit card does not matter. What matters is whether your proof of property complies with the regulations of the bank.

Generally speaking, property certificates include: real estate, cars, financial products, etc. under the personal name.

Take Minsheng Bank as an example. Its large credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million.

But the bank does not accept the car title certificate.

Guangfa Bank, China Merchants Bank, etc. accept vehicle-related certificates.

The second most effective method: apply for a card with a card

Applying with a card is an effective way to apply for a large credit card. Taking Minsheng Bank as an example, applying for a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The application conditions are: the original card limit If you spend more than RMB 40,000, you can get a standard platinum card, if you spend more than RMB 80,000, you can get a deluxe platinum card, and if you spend more than RMB 150,000, you can get a diamond card.

When applying for a large credit card, according to the bank's scoring system standards, certain conditions are most applicable, such as a good credit record, a superior career, a stable high income, high deposits, etc.

If you can’t get a recommendation card, you can only spend money to find someone.

To apply for a card or withdraw cash, you can contact me.

How much monthly income is required to get approval for an ICBC credit card with a limit of 20,000?

How much monthly income is required to get approval for an ICBC credit card with a limit of 20,000? How long does it take for the ICBC credit card to be approved after receiving the text message?

1. After applying for an ICBC credit card, you don’t need to go get it. The bank will complete the information within two working days after receiving the filled-in information. After entering into the system, the applicant's information can be found in the application progress.

2. The bank will usually complete the audit in about 10-15 working days. After the bank credit card is issued, the card will be printed and sent by registered mail within two working days. Generally, it will be received in about two weeks. . You only need to show the recipient's ID after the courier arrives and sign for the activation card to use.

What is the basic limit of an ICBC credit card? First time applying, monthly income is 4,000.

It depends on whether you have a house and a car. If you have a house, the credit card limit is usually 10% of the total price of the house. ;

Go to the lobby manager to apply. It only costs 100 yuan to apply for a card online.

How much is the credit limit for an ICBC credit card with a monthly income of 44,000 yuan?

Limit Around 8,000-10,000

How much credit limit can be approved for ICBC Credit Card Peony Gold Card with a monthly income of 4,000 yuan?

With a monthly income of 4,000 yuan, the minimum credit limit for an ICBC credit card is 5,000 yuan, and the maximum credit limit is 5,000 yuan. The credit limit is 10,000 yuan;

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The credit limit is between 5,000-10,000 yuan;

How much monthly income is required to get a Bank of Communications credit card limit of 7,000?

The 7,000 limit is a regular card. Generally, it is enough if you have an employer. With a salary of about two to three thousand, you can get an approval of 7,000

To apply for a ka and withdraw cash, you can contact me.

What is the credit limit of ICBC? My monthly income is 2,000 yuan. Is it easy to apply for a credit card?

You should be able to do it, but don’t expect too much for the limit, which is only 3,000.

How much is the limit for an ICBC credit card with an annual income of 45,000?

It’s hard to say. It depends on what proof of financial resources you provide;

The limit depends on the personal financial proof you submit when applying (such as work or income certificate, real estate certificate, car driving license, etc.). The more supporting materials you submit, the better It is easy to apply for the card, and the limit will naturally be higher.

What is the approval limit for ICBC Credit Card Peony Card?

lz Hello, the credit card approval limit is different, and I don’t know how to evaluate it specifically. The lowest is 1,000, and the higher is tens of thousands. Yes, it may take into account the business volume at ICBC, the amount of deposits and financial management, and many other factors. However, after three months of use, you can call 95588 to raise the limit

I hope I can help you~!

How long does it take to get approved for an ICBC credit card

15 to 20 days

That’s it for the introduction to applying for a credit card worth RMB 20,000.