What is the maximum amount of personal credit card allowed by the state? I mean the total.

At present, there is no limit on the number and maximum amount of credit cards held by individuals. The bank sets the single card amount according to the customer's credit score and risk management needs, but for the overdraft balance, Article 45 of the Measures for the Administration of Bank Card Business stipulates that:

Forty-fifth card-issuing banks should follow the following credit card business risk control indicators:

(1) The single overdraft amount of the same cardholder's personal card shall not exceed 20,000 yuan (including equivalent foreign currency), and the single overdraft amount of the corporate card shall not exceed 50,000 yuan (including equivalent foreign currency).

(2) The monthly overdraft balance of an individual card in the same account shall not exceed 50,000 yuan (including equivalent foreign currency), and the unit card shall not exceed 3% of the comprehensive credit line granted by the issuing bank to the unit. The monthly overdraft balance of the unit without comprehensive credit line for reference shall not exceed 654.38 million yuan (including equivalent foreign currency).

(3) The overdraft limit of foreign currency cards shall not exceed 80% of the cardholder's deposits (including the pledged amount of certificates of deposit).

(4) The monthly average overdraft balance that newly occurs over 180 days (including 180 days, the same below) since the implementation date of these Measures shall not exceed 15% of the monthly average overdraft balance.

This method is still effective at present. Please refer to Item 2 1 of the Catalogue of Current Effective Rules of the People's Bank of China.

Reference source: 1, China Net-Measures for the Administration of Bank Card Business;

What is the credit card limit?

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.

The emergence of credit cards makes us 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.

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.

The emergence of credit cards makes us 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.

What is the maximum credit card limit?

The maximum credit card amount can reach more than 654.38+0 million, depending on personal qualifications. The higher the education, the greater the credit card limit.

Generally speaking, the credit limit for applying for a credit card for the first time is about 3000 yuan to 10000 yuan.

Don't be discouraged if the first credit line is low. You can improve your credit limit by keeping good card habits.

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? . 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

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).

Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back.

A real credit card has the following characteristics: cash is not allowed to be pre-deposited, it is paid after consumption, it enjoys an interest-free repayment period, and it can be repaid in installments (with a minimum repayment amount). Joining international credit card organizations such as VISA and MASTER can be used worldwide.

What is the general credit card limit of China Bank?

Bank of China will determine whether it meets the requirements and credit limit according to the personal financial certificate and comprehensive credit status submitted when you apply for a credit card, and the final approval result will prevail.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

This is the end of the introduction about whether the national credit card total amount and credit limit are credit card total amount. I wonder if you found the information you need from it?