What is the credit card limit of China Merchants Bank Constellation Guardian?

The Constellation Guardian Credit Card launched by China Merchants Bank can give away health insurance protection, and cardholders can receive it every day, with a maximum amount of 6,543,800 yuan. The higher the credit card limit, the higher the consumption limit, and the more insurance coverage for receiving health insurance. Many users are interested in this card, but they are hesitant because they don't know the amount and annual fee of the credit card. So, what is the credit card limit of China Merchants Constellation Guardian? Can the annual fee be reduced?

This China Merchants Bank Constellation Guardian Credit Card is UnionPay Gold Card. According to the credit limit range set by China Merchants Bank for Gold Card Credit Card, the maximum credit limit is 50,000 yuan. However, the credit conditions of each applicant are different, and the approved credit limit is naturally high or low. Credit card application platform is usually based on the comprehensive evaluation of the applicant's repayment ability, credit card status and other qualifications, which is generally referred to from two aspects. Basic information filled in by the applicant, such as income, age, education, work unit, working years, job position, marital status, housing, loan records, etc. ; The central bank's credit report, check the applicant's credit record and loan information, and see the number of credit cards, the total credit line and the used line; Whether there are other loans, credit lines, repayment amounts, etc. ; And the inquiry records on the credit report. If the approved credit card limit is low, it may be because the user's financial situation is questioned. Therefore, cardholders who have great demand for credit cards should submit proof of income and property as far as possible to prove their qualifications and improve the success rate of withdrawal.

China Merchants Bank divides credit cards into ordinary cards, gold cards, platinum cards and above. Different levels of credit cards have different annual fees. The higher the level, the more expensive the annual fee. This China Merchants Bank Constellation Guardian credit card belongs to the UnionPay gold card, which is implemented according to the annual fee standard of gold card: gold card 300 yuan/year, supplementary card 150 yuan/year, and no annual fee is charged if the card is not opened. The annual fee is directly exempted in the first year of card opening, and the annual fee for the following year can be reduced if you spend six times in the annual fee cycle. By analogy, consumption is not limited in amount and form, such as online transaction, cash withdrawal, installment transaction, credit card binding Alipay or WeChat. If the number of swipes is insufficient during the annual fee period, the annual fee will be deducted from the credit card limit and included in the first installment of the bill. The cardholder must repay the loan on the last repayment date, otherwise it will be overdue.