What is the general limit of GF Platinum Card? Is it easy to increase your limit?

The limit of the credit card is determined according to the applicant's financial resources and credit situation, and there will be many factors to refer to, such as the nature of the customer's work, education, income, personal stability, personal social credit, and the use of other financial products. If you're not satisfied with your credit card limit, you can apply for a credit adjustment.

1) Temporary quota increase.

If you have a large amount of consumption in a short period of time, you can call the credit card customer service** to ask for a temporary limit increase, and if you meet the conditions of the bank's temporary adjustment, the temporary limit adjustment can be achieved within 24 hours. The temporary limit is valid for 30 days, and the credit limit will automatically revert to the original limit after expiration.

2) Long-term quota increase.

1. Use credit cards frequently, and win by the number of card swipes. In daily life, credit cards are used wherever they can be swiped, and frequent use will definitely help cardholders increase their credit limit as soon as possible.

2. Guarantee the amount of credit card consumption every month. It is best to generate at least 30% of the total credit card consumption record every month, and insist on it for more than half a year, so that the banking system can easily recognize the cardholder's spending power and take the initiative to invite the cardholder to increase the credit limit of the credit card.

3. Make sure your credit card can be repaid on time and in full. This is important for credit cardholders who want to increase their limit. If you fail to repay the loan on time and in full, you will have a bad record of credit card repayment, which will not only affect the personal credit of the cardholder, but also greatly extend the time for the credit card to increase the credit limit.

4. Enrich the types of credit card consumption. Different types of consumption will reflect the different consumption concepts and spending abilities of cardholders, which will also affect the progress of credit card limit increase to a certain extent. Within the scope of our capabilities, we will increase the opportunities for large purchases on credit cards, so as to promote the increase of credit card limits as soon as possible.

The platinum card has a limit of tens of thousands.

The difference between the credit card gold card and the general card of Guangfa Bank is very different in the credit line, the credit line of the credit card is generally 3,000 yuan to 10,000 yuan, while the credit line of the credit card gold card is usually 10,000 yuan to 50,000 yuan, and the gold card is much higher than the ordinary card. In addition, because the amount of the gold card is higher, the annual fee of the credit card gold card is much higher than that of the regular card. The difference between Guangfa Bank credit card gold card and ordinary card, there are many consumers who should choose according to their own consumption habits, and do not blindly pursue gold cards.

The platinum credit card limit of Guangfa Bank is between 20,000 and 500,000 yuan, and the limit is approved according to the information submitted by the individual, so when applying for a credit card, you should provide as much proof of your own information as possible, such as: academic certificates, work and income certificates, deposit certificates, etc., which can increase the credit card limit for you.

At present, the credit cards of Guangfa Bank are divided into several main levels: ordinary card, gold card and platinum card, and the limit of ordinary card is 3,000 yuan to 50,000 yuan; The amount of the gold card is between 10,000 yuan and 100,000 yuan; The amount of the platinum card is between 20,000 yuan and 500,000 yuan; In addition, there is an unlimited card, which has no upper limit, but users cannot apply independently, and can only wait for an invitation from China Guangfa Bank. You can also use WeChat software such as Card Youcha to test your credit limit to see if there is any abnormality in your card use and what aspects of consumption you need to pay attention to.

China Guangfa Bank's platinum credit card. This is a credit card product launched by China Guangfa Bank in January 2014, and the current target customers are those who have a relatively high income, and have certain business travel needs, and the pursuit of high-quality life needs, under normal circumstances, business owners are unable to apply for this platinum credit card.

The reason why the majority of users apply for Guangfa Bank platinum credit card is that its limit is relatively high. If you feel like you don't have enough credit, here are some ways you can increase your credit limit.

First, it is necessary to use the credit card of China Guangfa Bank frequently, and the more times, the higher the personal credit limit;

Second, when overdraft consumption, remember to repay the loan in time and do not default, so that the individual will have a good credit history and the limit will naturally rise;

Third, you can call China Guangfa Bank to temporarily adjust the quota on some holidays, which is also a very effective method.

The platinum card limit of China Guangfa Bank is generally more than 5w, but the credit limit of the credit card generally needs to be calculated according to the individual application conditions, depending on the bank's score and approval limit. Therefore, if the conditions do not meet the bank's requirements, even if you apply for a platinum card, the limit will not be too high.

Personal consumption loan refers to a personal consumption loan issued with the mortgage of the house owned by the borrower or a third party that he or a third party has the right to dispose of according to law, or with a pledge accepted by China Guangfa Bank or other mortgages (pledges) as collateral. The loan subject must be a resident of Chinese mainland, and Hong Kong, Macao, Taiwan and foreigners are not accepted. Cash advance is another basic function of credit cards, which provides support for customers' cash turnover and emergency response.

However, due to risk control considerations, the cash advance amount given to customers by domestic card-issuing banks is generally low, which cannot fully meet the cash use needs of customers. In order to solve this problem, GF has increased the cash withdrawal limit for high-quality customers, up to 100% of the credit card consumption, so that customers can further experience the convenience of credit cards.

Platinum card is a high-end credit card or savings card jointly launched by bank card associations and commercial banks and other institutions. UnionPay card is a bank card jointly launched by China UnionPay, commercial banks and other institutions, with a card number starting with 62 and a UnionPay logo on the card face. UnionPay cards only have the UnionPay logo on the card face and no other card brand logos, and are often referred to as single-logo UnionPay cards.

The application requirements for each bank platinum card are different, and the application requirements for the platinum card of major banks:

1. China Guangfa Bank: Annual income of more than 150,000 yuan, real estate, vehicles and other assets under the name, support online application for platinum card;

2. China CITIC Bank: Income flow, deposit certificate, real estate certificate, vehicle certificate need to be provided, and online application for platinum card is supported;

3. Minsheng Bank: Middle-level managers with annual income of more than 200,000 yuan, employees of provincial-level units, local top 50 or local high-quality enterprises. If you apply for a card, you need to hold a credit card with more than 50,000 yuan in other banks, and you can apply for a platinum card if you have held the card for more than half a year;

4. Shanghai Pudong Development Bank: All assets under the name of an individual in the name of Shanghai Pudong Development Bank reach an average of 300,000 yuan per day during the one-month review period;

5. Industrial and Commercial Bank of China: The annual consumption amount of the card reaches 100,000 yuan and the number of consumption transactions reaches 24 or the platinum credit card of another bank is held, and the average daily deposit reaches 500,000 yuan for more than half a year, including or the personal deposit reaches 1 million yuan;

6. China Construction Bank: personal annual income of more than 300,000 yuan;

7. Agricultural Bank of China: Annual income of 500,000 yuan or direct VIP customers are invited to get off the card.

In general, the amount of Guangfa Bank gold card is between 10,000 and 50,000 yuan. When the user applies for a gold card, the bank will grant different amounts according to the qualifications. Of course, if the amount of the card is low, the user can also raise the amount as long as he can ensure the normal use of the card.

Conditions for China Guangfa Bank Gold Card: 1. The applicant needs to be at least 18 weeks old and be able to provide valid identity documents. 2. The personal credit is good, and there has been no credit stain retardation.

3. The applicant must have a stable and legal income and have the ability to repay the credit card debt. 4. Other conditions stipulated by China Guangfa Bank.

Skills for applying for a gold card of Guangfa Bank: 1. Provide proof of your financial resources. Because it is a gold card level, the threshold for processing is higher than that of a general card.

Therefore, in the process of processing, the user can provide relevant proof of financial resources, which is conducive to the bank's evaluation. If you have strong financial resources, the amount of the card will also be large. 2. Try to apply at the bank counter.

There are many ways to apply for a credit card, of course, if the user applies for a gold card, it is best to apply at the counter of Guangfa Bank, because there is a staff guide, they will try to help the applicant improve the information, which is more conducive to our card. 3. Apply for a debit card of the Bank in advance. Before applying, users can apply for a debit card from China Guangfa Bank in advance.

Because of this, we became a customer of China Guangfa Bank in advance, so it was very helpful for us to apply for a gold card.

Note: When filling in the application information, the user must not fill in false information in order to apply for a higher-level credit card. In this way, if the bank finds an abnormality during the review, it is likely to reject the user's application.

At the same time, it will also affect the user's second application. Therefore, the information filled in by the user should be true and complete.

There is no fixed standard, and the amount is determined comprehensively according to individual qualifications. Platinum cards are generally before 10,000 to 500,000.

The limit of GF Platinum Credit Card may vary depending on the individual's absence or circumstances. It depends on the type of card that the user provides to China Guangfa Bank when applying for the card. Under normal circumstances, the limit of GF Platinum Credit Card is between 30,000 and 100,000.

There are 6 types of GF Platinum Cards, and the credit limit of each credit card is also different.

Therefore, it also depends on what kind of platinum card the user has, for example, if the user applies for the Platinum Card, the credit limit may be 10,000, and the user also has to pay an annual fee. Therefore, the specific credit limit depends on the cardholder's own conditions and the type of credit card.