What do you think of CITIC's credit card limit?

What is the general credit limit of CITIC Credit Card and what is the available credit limit?

The credit card limit directly affects the cardholder's overdraft level. Many friends who want to apply for CITIC Credit Card want to know how much credit card there is. I can only tell you here that the credit card limit is determined by the applicant's credit status and the card level applied for.

1. What is the general credit limit of CITIC Credit Card?

According to the different grades of CITIC credit card applied by the applicant, the credit line has certain interval restrictions, but the specific credit line is comprehensively evaluated by the bank according to the applicant's credit card application conditions.

1, and the credit line of Puka is generally between 3000- 1 10,000 yuan;

2. The credit limit of the gold card is within the range of 1 1,000-50,000 yuan;

3. The credit line of platinum card is generally more than 50,000 yuan;

4. The maximum withdrawal amount of a credit card can reach 30% of the credit line.

2. How to inquire about the general credit limit of CITIC Credit Card?

There are many ways to query the credit card limit, such as official website query, mobile banking APP query, WeChat official account query, customer service phone query, credit card statement query and so on. No matter which way you inquire, you need to verify the identity information of the cardholder.

Summary: The general credit limit of CITIC Credit Card is determined by the bank, and cardholders can know their credit limit through various credit limit inquiry methods.

How does CITIC Credit Card app check the quota?

Download CITIC Bank Credit Card Mobile APP, bind the credit card after registration and login, and follow the prompts to check the credit card limit.

There are four main ways to query the credit limit of CITIC Credit Card: 1. Users can call the customer service hotline of CITIC Bank; 2. CITIC Bank Credit Card APP；; 3. Log in to CITIC Bank official website and inquire through online banking. 4. Inquire through WeChat.

Online banking inquiry

The cardholder logs into the official website of CITIC Bank Credit Card Center, finds the option of "Credit Card Online Banking" on the right side of the homepage of the website, and clicks Enter; Then the user logs in to CITIC Bank credit card online banking; Find the option of "My Account" or "Card Management" in online banking, and click to enter to view the credit card limit.

Telephone inquiry

Call the customer service hotline of CITIC Bank. After dialing, you only need to follow the voice prompts to inquire about the amount and other information.

Wechat query

Pay attention to the public micro-signal of CITIC Bank credit card, and enter the public micro-signal after paying attention. You need to enter information such as ID number, telephone service password and credit card to bind the credit card. After binding, users can check the credit limit through the public micro-signal of CITIC Bank Credit Card, which also supports services such as bill inquiry and repayment.

For more information on how to check the credit limit of CITIC Credit Card app, please visit: See More.

How to check the credit limit after CITIC Credit Card is approved?

CITIC makes the following credit inquiry for this card:

1. Pay attention to the official WeChat account of CITIC Bank, bind the personal information of the bank card, and click to enter the query to find the basic information of the account, including the line;

2. Download the CITIC Bank app, register the login account, and click on my account to find the quota;

3. Call the national unified hotline of China CITIC Bank, and enter the personal ID card information and account opening bank according to the independent voice prompt tone, which includes account and line inquiry;

4. SMS inquiry: After editing and inquiring the SMS limit account, the four digits will go 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 various query methods, so you can query effectively 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 will not be able to 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 can be converted to each other. For example, your limit is 30,000 RMB, and when you use this card abroad, your credit line is equivalent to about 5,000 USD.

The bank will adjust the credit limit on a regular basis, but you can take the initiative to provide relevant financial proof to request the adjustment of the credit limit. In addition, when you need to get a higher credit line in a certain period of time when traveling or moving abroad, you can ask for a higher temporary credit line.

For those who have a fixed income, the relative quota of employees of financial institutions such as civil servants or large banks is the highest. The company size and position level of individual work 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, which depends 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 guarantee the amount of consumption, and occasionally make several large purchases. Besides, we should also pay attention to avoid spending money frequently in the same place. Some friends spent a lot of money several times, but 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 usage limit and available limit. The higher the ratio of the used credit limit to your credit card credit limit, the higher the probability that the withdrawal application will pass.

How to check the balance of CITIC Credit Card (Debit Card)?

CITIC Credit Card (Debit Card) holders can check the remaining credit line through customer service telephone, official website, mobile phone card space APP and other channels. Take the dynamic card space as an example. Cardholders can view the credit card (debit card) line, including the remaining line, by logging in to the application, binding the credit card (debit card) to the account and clicking "Line Management" on the credit card (debit card) page.

Cardholders who overdraw with available credit cards (debit cards) can enjoy interest-free treatment as long as they repay in full before the repayment date, otherwise they will have to bear other expenses, which may also affect their personal credit.

How does CITIC Credit Card app check the quota?

Download CITIC Bank Credit Card Mobile APP, bind the credit card after registration and login, and follow the prompts to check the credit card limit. \ There are four main ways to query the credit limit of CITIC Credit Card: 1. Users can call the customer service hotline of CITIC Bank for inquiry; 2. CITIC Bank Credit Card APP；; 3. Log in to CITIC Bank official website and inquire through online banking. 4. Inquire through WeChat. \ Online Banking Inquiry \ Cardholders log in to official website, Credit Card Center of China CITIC Bank, find the option of "Credit Card Online Banking" on the right side of the homepage of the website, and click Enter; Then the user logs in to CITIC Bank credit card online banking; Find the option of "My Account" or "Card Management" in online banking, and click to enter to view the credit card limit. \ Telephone inquiry \ Call the customer service hotline of CITIC Bank, and after dialing, just follow the voice prompts to inquire about the information such as the amount. \ WeChat inquiry \ Pay attention to the public micro-signal of CITIC Bank's credit card, and enter the public micro-signal after paying attention. You need to enter ID number, telephone service password, credit card and other information to bind the credit card. After binding, users can check the credit limit through the public micro-signal of CITIC Bank Credit Card, which also supports services such as bill inquiry and repayment. \ For more information on how to check the credit limit of CITIC Credit Card app, please visit: See More.

How to check the credit limit after the credit card of CITIC Bank is approved?

You can check the credit limit of a credit card in the following four ways:

The first type: log in to online banking, self-register online banking, log in to personal online banking again, and check the credit limit;

The second type: call customer service, transfer to manual service, and check the 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 known as debit card, is a credit certificate issued by commercial banks or credit card companies 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 name of CreditCard was specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when consuming and will be repaid 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 usually 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 don't need to pay cash when using credit cards, they will make repayment on the checkout date.

Except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts.

Let's stop here for the introduction of CITIC's credit card limit.