How to overdraw a credit card?

How does Guangfa Credit Card exceed the limit?

Overlimit (line) is a hidden line set up by some banks to facilitate users to spend their credit cards. The central bank stipulates that the over-limit amount must be less than 10% of the total amount. The over-limit fee of Guangfa Credit Card refers to the amount that the cardholder should pay to Guangfa Bank in accordance with the regulations when the account is over-limit and the excess part is not repaid on the day when the account is over-limit (that is, the accounting date of the card-issuing bank transaction).

When the total amount owed by the customer's account (including but not limited to the principal, interest and expenses of all credit card overdraft transactions) exceeds the credit limit, the bank will charge the customer 5% of the excess amount according to the billing cycle, and there are minimum and maximum charges for the excess amount.

In addition, Guangfa Credit Card can overdraw 10% on the basis of a given credit limit, but the excess will be paid by 5%. That is to say: over-limit fee = (actual usage line-bank credit line) X5%.

Guangfa Credit Card is the first domestic standard credit card issued by Guangfa Bank 1995, and it is also the first credit card to achieve profitability. The credit limit of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

The interest-free period of overdraft consumption can be as long as 50 days. As long as you repay in full before the repayment due date stipulated by the bank, you can enjoy interest-free treatment from the trading day to the repayment due date. The repayment method is flexible, you can pay off in full, or you can choose the minimum repayment amount, enjoy revolving credit, and manage your finances more freely.

Minimum repayment amount

Main card annual fee: Puka UnionPay card annual fee, 40 yuan Gold Card UnionPay card annual fee and 80 yuan annual fee.

Annual fee-free policy: annual fee-free in the first year, and annual fee-free in the following year if you swipe your card six times. The annual fee of MasterCard Titanium Card is charged according to 480 yuan in the first year. From the first year, the annual credit card consumption reaches 80,000 yuan, and the annual fee for the following six months can be exempted.

Cash advance limit: 50% of the credit limit.

Interest-free period: 20 to 50 days.

Consumption verification method: signature signature password.

Revolving credit interest (daily interest): 0.05% interest is charged every day, with a minimum charge of 1 yuan.

Consumption SMS notification fee: 300 yuan and above are free, and SMS notification function is required in 300 yuan and below. The fee is 3 yuan per month.

Interest-free installment payment

Guangfa Card provides you with high-quality products at affordable prices, and provides customers with interest-free installment payment of up to 12 months. A few thousand yuan of products can be enjoyed by paying only a few hundred yuan a month, so that your dream can be realized as soon as possible.

IM

In order to ensure the safety of funds, you can enjoy free SMS reminder for every transaction in 300 yuan, keep abreast of account changes, and feel more at ease with your card. If you need SMS reminder service for all transactions, just dial 95508 to open it, and the cost is only 3 yuan every month.

Instant messaging messages will be sent through port 95508 (mobile/telecom users) or 10655020288 (Unicom users). The message is that the last four digits of your card, xxxx, will spend xxxx RMB on XX, XX, XX. Please pay attention.

Banks provide customers with credit card protection, and customers do not have to bear the loss of credit card theft within 48 hours before reporting the loss, and the amount of protection is as high as the full amount of credit!

service

Set up a 24-hour service hotline 95508 or (86)20-873 10029 for GDB customers to provide faster and more caring services. Online services include: GDB card business introduction, bill inquiry, customer preferential information, GDB card opening, credit line adjustment, online instant loss reporting, data modification, integral gift exchange, etc. Customers' various card needs for GDB cards can be properly handled by simply calling.

Convenient business travel service

Just dial the GDB card free business travel service hotline 400-6 19-98 19, and you can book an air ticket hotel first, and there is also a free ticket delivery service.

Can I use my credit card to exceed the limit?

1. According to the regulations of the central bank, banks can control the maximum credit card spending at 1 10% of the preset credit line, which is equivalent to 10%. Most banks can continue to spend by credit card within 10% of the limit.

2. However, it should be noted that the extra 10% consumption limit is not free, and the bank will charge a certain percentage of "overrun fee" for this amount. Generally speaking, the amount charged for the credit card overrun fee is usually 5% of the credit limit. The minimum overrun fee for RMB account is 10 yuan, and the maximum overrun fee is 200 yuan.

Methods of increasing credit card limit

1. Applicants should have good personal credit and no overdue records.

2. The applicant's credit card has been used continuously for more than three months, the number of swipes per month is not less than 10, and the swiping amount is 50%-80%.

Try to swipe your card between 9: 00 and 22: 00, which is the normal business hours of most businesses.

4. Pay back on the billing date. Don't pay back in advance, and don't pay back late.

5. Apply for installment repayment every 3 months or so to make the bank profitable.

Credit card withdrawal method

1. The applicant withdraws the amount through the bank mobile phone client dedicated to the credit card.

2. Applicants can log in to official website, the exclusive credit card bank, to withdraw the amount.

3. The applicant can call the customer service phone of the exclusive bank of the credit card and transfer it to the manual service to withdraw money.

credit card

Credit card includes broad and narrow definitions. Broadly speaking, any special card that can provide credit proof for the cardholder and enable the cardholder to use the card for shopping, spending or enjoying specific services can be called a credit card. Credit cards in a broad sense include credit cards, quasi-credit cards, debit cards, savings cards, ATM cards, checking cards and credit cards.

Credit cards in a narrow sense are divided into credit cards and quasi-credit cards. Under normal circumstances, credit cards mainly refer to "debit cards", that is, credit cards that deposit first and then consume, allowing small and goodwill overdrafts. It is also a credit certificate issued by commercial banks or credit card companies to eligible consumers.

Icbc credit card limit

(1) The initial credit limit of RMB account of ordinary card is up to 50,000 yuan; The initial credit limit of foreign currency account of ordinary card is up to 5000 USD.

(2) The minimum initial credit limit of the RMB account of the Gold Card is15,000 yuan and the maximum is 50,000 yuan; The minimum initial credit limit of a gold card foreign currency account is $65,438+$0,500 and the maximum is $5,000.

(3) The minimum initial credit limit of RMB account of Platinum Card is 50,000 yuan, and the maximum is 6,543,800 yuan; The initial credit limit of a Platinum Card foreign currency account is at least $5,000 and at most $65,438+$0,000.

(4) If you upgrade to a platinum card, you are not limited by the initial credit limit of the platinum card.

Skills of using credit card for large consumption

A happy day is eating and sleeping. -Give yourself a big chestnut

How to swipe a credit card has always been a problem worth studying, especially when it comes to large consumption of credit cards. Because the amount is relatively large, how to swipe a credit card is the most cost-effective. You need to think about it.

The interest-free period is between the credit card transaction date and the due repayment date. Generally, the longest interest-free period for bank credit cards is 50-56 days. The farther the trading day is from the due repayment date, the longer the interest-free period that credit cards can enjoy. It is best to swipe your card the day after the billing date, so that you can enjoy the longest interest-free period.

If large-scale consumption is not temporary consumption, then try to plan the payment channel, time and selected credit card for large-scale consumption, so as to accumulate more credit card points. Try to choose a credit card with multiple points for large purchases.

After a large amount of credit card consumption, cardholders often choose to repay by installments, which involves the issue of credit card installment fees. You can shop around. In addition, pay attention to the relevant information of banks. Some banks will offer credit card installment fee-free concessions in special periods. Of course, before you swipe your card, you can check the relevant preferential policies and activities of official website Bank.

How does the credit card of China Bank exceed the limit?

China Bank's credit card does not support over-limit consumption. If you need a useful card, you can APPly for temporary adjustment through the official account of China Bank's credit card WeChat, China Bank's colorful life app, China Bank's personal online banking, China Bank's mobile banking and China Bank's credit card customer service hotline 4006695566, and China Bank will approve it for you according to your card usage.

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

Can the Bank of Communications credit card be overdrawn? Can't an ordinary credit card exceed 10%?

Yes, at present, the credit card limit of Bank of Communications is 65438+ 00% of the available limit, and the excess consumption needs to pay an excess fee, and the interest on the excess part needs to pay five ten thousandths every day.

Excessive consumption will also have a negative impact on credit records. The cardholder who incurred the overrun fee for the first time can communicate with the bank in time and apply for canceling the overrun fee.

After general holidays, it becomes the peak of over-limit fees. The credit line temporarily increased by the bank is generally valid for 45 days, and will be automatically restored to the credit line before adjustment after the expiration of the validity period. After the expiration, if the arrears are not controlled below the original credit limit in time, the cardholder will pay the "overrun fee".

Extended data

At present, only China Merchants Bank does not specifically charge the overrun fee, and other banks have this setting. Some banks have also set the minimum charge standard 10 yuan or 20 yuan.

When the cardholder's monthly repayment amount is equal to or higher than the minimum repayment amount of the current bill before the due repayment date of the current bill, but lower than the current repayment amount, the remaining deferred repayment amount is the revolving credit balance. If most bank cardholders choose to use revolving credit, they will not enjoy the current interest-free repayment period.

If the minimum repayment amount is not paid before the due repayment date (inclusive), the overdraft interest of the money used from the bookkeeping date to the repayment date shall be paid, and the overdue fine shall be paid according to a certain proportion of the minimum repayment amount. The proportion is 5% of the unpaid part of the minimum repayment amount.