How much can I get for a credit card after I finish the mortgage at Changsha Bank?

The credit card issued by Changsha Bank is called Furong Credit Card. Like all credit cards, the credit card limit is determined according to the applicant's personal qualifications. So everyone's credit limit varies from person to person, but according to Bian Xiao, the maximum credit limit of Changsha Bank's personal card can reach 50,000 yuan, and the credit limit of business card can reach 65,438+10,000 yuan.

Tips for Changsha Bank to Increase Credit Card Limit

1. The increase of temporary quota leads to the increase of fixed quota.

Don't underestimate the word "temporary". When you keep raising the temporary limit, your fixed limit will increase your chances. When you can keep the temporary quota every time, the bank will give you how to increase the fixed quota in order not to use it.

2, more credit cards, more consumption.

Always use a credit card, regardless of the amount, as long as you can swipe your card, which proves that you often use this credit card. If you swipe your card close to or exceed the limit every month, it also proves that your credit card limit is really insufficient and needs to be improved. Banks are more willing to increase the credit card limit of such customers.

Ways to increase the credit card limit of Changsha Bank

1, temporary line

When the cardholder is not satisfied with his credit limit, he can apply to Changsha Bank Credit Card Center for a temporary credit limit, but remember that the temporary credit limit is valid and will automatically restore the original credit limit after it expires.

2. Fixed quota

Cardholders can apply to Chang 'an Bank Credit Card Center to increase the fixed amount under the condition of continuous good use of credit cards. The fixed amount is also a permanent amount, that is, your original amount is 65,438+00,000 yuan. After the increase, your amount becomes 20,000 yuan, so you will have a credit line of 20,000 yuan until the next increase.

Overdraft card can withdraw cash. But how much you can withdraw depends on your credit line in overdraft card and the cash withdrawal line given by the issuing bank. At present, the overdraft limit of most credit cards in the market is 10%-50% of the credit limit, and Bank of Communications and China Guangfa Bank can overdraw 100%. If your credit line is 10000 yuan and your withdrawal amount is 100%, then you can overdraw and withdraw 10000 yuan. In addition: ① Most banks charge a handling fee for overdraft withdrawal, and it is not low. China Guangfa Bank 2.5%, the lowest 10 yuan/time; Bank of Communications 3%, minimum 10 yuan/time. ② For overdraft cash withdrawal, the bank charges you 0.05% (i.e. five ten thousandths) of the total cash withdrawal every day. For example, if the overdraft 10000 yuan is returned after 20 days, the interest of 1000 yuan (that is, 10000 yuan ×0.05%×20 days = 100 yuan) needs to be paid. The main income of issuing credit cards by banks comes from: the commission charged by banks to merchants when we spend credit cards; We overdraw the interest and handling fees charged by the bank; The penalty (late fee) that we were charged when we failed to repay the loan on time. Therefore, try not to overdraw unless absolutely necessary.