You can check the credit limit of a credit card in the following four ways:
The first type: log in to online banking, register online banking by yourself, log in to personal online banking again, and check the credit limit;
The second type: call customer service, transfer to manual service, and inquire about credit limit;
The third type: go to the bank counter and ask the salesperson for help;
The fourth type: go to the ATM to check the credit limit.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm and a thickness of 65,438+0 mm, which are issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders do not need to pay cash when using credit cards, and make repayment on the checkout date.
Except for some credit cards combined with financial cards, credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct money from users' accounts.
How does CITIC Credit Card view the quota?
There are many ways to inquire about the credit card limit of CITIC Bank, such as calling customer service, editing short messages, logging in to credit card online banking and so on.
The credit card inquiry method of CITIC Bank is as follows:
1, customer service telephone inquiry. Cardholders can call the 24-hour customer service telephone number of China CITIC Bank: 40088-95558, press "3" to inquire about bills, available credit lines and other services, and then press "2" to inquire about accounts, so as to inquire about credit lines and other information.
2. SMS query. You can use the mobile phone number registered in China CITIC Bank, edit the last four digits of the SMS (such as YE8888), and send it to: 106980095558 to find out your available line information.
3. Online Banking Inquiry Step 1: Log in to official website, Credit Card Center of CITIC Bank, and click the "Credit Card Online Banking" function on the right; Step 2: Select "Express Edition" or "Online Banking", and then log in to CITIC Bank Credit Card Online Banking; Step 3: You can query the credit card limit by querying the "My Account" or "Card Management" service.
4, mobile phone client query. First, you need to install CITIC Bank app, then select "Card Service", and then query the current line through "Query Account".
5. Bill inquiry. Cardholders can check your available credit limit for the current month on each bill issued by the bank to the credit card.
How to inquire the credit limit of CITIC Bank's credit card?
There are several ways to inquire about the credit card limit of CITIC Bank:
1, customer service telephone inquiry. Cardholders can call CITIC Bank's 24-hour customer service telephone number: 40088-95558, press "3" bill and available amount to inquire about the service, and then press "2" account to inquire about the amount and other information.
2. SMS query. You can use the mobile phone number registered by China CITIC Bank to edit the last four digits of the SMS (such as YE8888) and send it to: 106980095558 to find out your available lines.
Charge Description: Mobile, China Unicom and telecom users only need to pay the SMS sending fee to the operator when sending SMS to 106980095558, and the SMS replied by CITIC is free.
3. Online banking inquiry.
Step 1: use a browser (computer: macbookpromos 14) to open google version 92.0.4515.131) and log in to the home page of China CITIC Bank Credit Card Center (; Renqun _ Huayou =1797092bd _ vid =1kloc-0/79843847465438), and click the "Credit Card Online Banking" function on the right;
Step 2: Select "Express Edition" or "Online Banking", and then log in to CITIC Bank Credit Card Online Banking;
Step 3: You can query the credit card limit by querying the "My Account" or "Card Management" service.
4. Bill inquiry. Cardholders can check your available credit limit for the current month on each credit card statement issued by the bank.
Further reading
CITIC Bank Credit Card Center is a business department established by CITIC Bank Head Office in Shenzhen to conduct unified management, centralized operation and independent accounting of credit card business. It belongs to the first-level department of CITIC Bank's head office and is the national headquarters of CITIC Bank's credit card business.
From June 5438 to February 2007, with the approval of the China Banking Regulatory Commission, it became one of the few branch-level credit card franchises in the same industry in China, and its business scope included handling the card issuance business of this credit card; Handling loans, settlement of foreign exchange, settlement and sale of foreign exchange and foreign exchange business under credit cards; Acting as an agent for credit card issuance, payment and fund settlement of foreign financial institutions and international organizations.
Since the official issuance of CITIC Bank's credit card at the end of 2003, especially for more than four years since 2006, it has been firmly focused on the strategic goal of "building a world-class credit card center", taking "acquiring retail customers, establishing CITIC's retail brand, becoming CITIC Bank's profit growth point and building a high-end customer service system" as its business orientation, and firmly grasping "building brands, building platforms and building management". Promoting the coordinated development of business efficiency, quality and scale, striving to cultivate business characteristics and management advantages, and entering a new stage of sustainable profit development have become an important force to promote the development of China's credit card industry.
How to check the credit limit of CITIC Credit Card? I will share it with you this time.
1. Call customer service for consultation. Cardholders can call the 24-hour customer service number of China CITIC Bank.
2. You can edit the short message "the last four digits" with the mobile phone number registered by CITIC Bank and send it to the credit card service number of CITIC Bank for inquiry.
3. Log on to the homepage of CITIC Bank Credit Card Center and check the credit card limit by checking my account or card management service.
4. You can check the available amount on the bill.
5. Summary: Pay attention to cherish your credit and repay on time every month.
How to check the limit of CITIC's card approval?
CITIC approves the card, and wants to inquire about the credit line at 1, and log in to CITIC Online Banking and Personal Online Banking to inquire about the credit line; 2. You can call customer service to check the credit limit; 3. Check the credit limit at the counter of CITIC Bank's business hall.
Supplement: 1. Credit card limit, also known as credit card available limit, refers to the maximum amount that your credit card can use, including credit limit (that is, the maximum overdraft limit of credit card) and the amount deposited in the credit card. 2. The amount of any credit card depends on the effective income and asset guarantee value provided by the individual during the application process. 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.
Credit card check available limit:
I. Counter inquiry
Just bring your ID card and credit card to the local bank business hall for enquiry. However, this method has great disadvantages: there are many banks, and it takes half a day to get the number first and then wait in the waiting area, even if it is a very simple business. If you are busy and just want to make a simple credit card credit limit inquiry, you'd better choose telephone inquiry or online banking inquiry.
Second, telephone inquiries.
Each issuing bank has its own customer service telephone number, and customers can call for consultation if they have any questions. The operation is convenient and simple, you only need to choose the service you need according to its prompt, and you can connect with manual consultation if necessary.
Third, online banking inquiry
You need to log in to the card bank's personal online banking, enter the login account number and password, and you can make corresponding inquiries.
Fourth, WeChat client query
By binding the credit card information with the WeChat client, the available credit card amount can be queried in real time.
5. In addition to the above four conventional ways, credit card credit limit inquiry can also be checked and calculated through bank statements or electronic bills mailed regularly.
How to check the credit limit after CITIC Credit Card is approved?
The inquiry lines of CITIC Card Approval are as follows:
1. Pay attention to the official WeChat account of CITIC Bank, bind the personal information of the bank card, and click Enter Query to find the basic information of the account, including the line;
2. Download the CITIC Bank app, register the login account, click on my account and find the quota;
3. Call the national unified hotline of China CITIC Bank, and enter personal ID information and bank according to the independent voice prompt tone, which includes account and quota inquiry;
4. SMS inquiry: after editing and inquiring the SMS limit account, four digits will be sent to the bank SMS platform, and the limit information will be automatically returned to the user;
5. Bring your ID card and bank card to the counter of CITIC Bank or the self-service inquiry machine for inquiry.
There are many kinds of query methods, so you can make an effective query according to your convenient and quick query method.
Credit limit refers to the maximum overdraft limit given to your credit card by the bank when approving your credit card. You can only use your credit card within this limit. If you exceed this limit, you can't use your credit card.
The credit limit is based on the comprehensive evaluation of the information filled in when you apply for a credit card and the relevant supporting documents provided. The main card and the supplementary card enjoy the same credit limit. Under normal circumstances, the RMB limit and the US dollar limit of dual-currency credit cards are interchangeable. For example, your limit is 30,000 RMB. If you use a card abroad, your credit limit is equivalent to about 5,000 US dollars.
The bank will adjust the credit limit regularly, but you can provide relevant financial proof on your own initiative and request to adjust the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling abroad or moving, you can ask for a higher temporary credit line.
For people with fixed income, the employees of financial institutions such as civil servants or large banks have the highest relative quota. The size of the company and the position of the individual also have great influence. Account type will also have an impact. The biggest influence is usually personal income (that is, solvency, including asset status, historical credit records, etc. ).
It is possible that the credit limit of a general card is 1000- 10000. There are many factors in the level of credit limit, and the standards of each bank are different, depending on your personal credit.
Precautions for credit card use:
1, pay attention to consumption
In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.
2. Pay attention to quotas
Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.
So much for the introduction on how to inquire about the credit limit of CITIC Credit Card.