Credit Line
The "Credit line" refers to the line of credit extended by ABC based on the credit status of the card holder. It is the cap on overdraft applicable to both the principal card and the supplementary card, and dual currency card.
Aggregate Credit Line
If you are holding two or more Kins credit cards (personal principal cards) each with a credit line, the highest line is your aggregate credit line. The total available credit line of all your Kins credit cards should not exceed the aggregate credit line at any time.
For example:
Mr. Zhang has a Kins dual currency credit card with a credit line of RMB 20,000 or USD 2,500, which means that he can have an overdraft up to RMB 20,000 or an amount equal to USD 2,500. Once the credit line of USD 2,500 is exhausted, the available RMB credit line will be reduced to nil. If his wife holds a supplementary card, it shares the same credit line with Mr. Zhang's principal card, that is, when an overdraft of RMB 8,000 has been taken out by the principal card, the available credit line of the supplementary card is only RMB 12,000. If Mr. Zhang holds another card, a Kins RMB credit card with a credit line of RMB 10,000, the aggregate credit line of the two cards are RMB 20,000, so given an overdraft of RMB 8,000 by the RMB card, the available credit line of the dual currency card will be RMB 12,000.
Credit Line Adjustment
You can call our Customer Service Hotline to apply for credit line adjustment according to your actual needs. Then we will decide upon the adjustment and adjust the credit line based on your card activation date, credit status and card usage record.
We have two ways of offering such a flexible credit line:
1.Temporary credit adjustment to meet your short-term needs. The original credit line will be automatically resumed after the term expires;
2.Permanent credit adjustment without any specified term.
Notes:
1.Upon the expiration of the term of temporary adjustment, the original credit line will be automatically resumed. To avoid overrun charges, please repay the part above the original credit line within the term of temporary adjustment, no matter whether you have applied for automatic repayment.
2.The application for credit adjustment should be submitted only by the holder of the principal card.
Aggregate Credit Line
If you are holding two or more Kins credit cards (personal principal cards) each with a credit line, the highest line is your aggregate credit line. The total available credit line of all your Kins credit cards should not exceed the aggregate credit line at any time.
For example:
Mr. Zhang has a Kins dual currency credit card with a credit line of RMB 20,000 or USD 2,500, which means that he can have an overdraft up to RMB 20,000 or an amount equal to USD 2,500. Once the credit line of USD 2,500 is exhausted, the available RMB credit line will be reduced to nil. If his wife holds a supplementary card, it shares the same credit line with Mr. Zhang's principal card, that is, when an overdraft of RMB 8,000 has been taken out by the principal card, the available credit line of the supplementary card is only RMB 12,000. If Mr. Zhang holds another card, a Kins RMB credit card with a credit line of RMB 10,000, the aggregate credit line of the two cards are RMB 20,000, so given an overdraft of RMB 8,000 by the RMB card, the available credit line of the dual currency card will be RMB 12,000.
Credit Line Adjustment
You can call our Customer Service Hotline to apply for credit line adjustment according to your actual needs. Then we will decide upon the adjustment and adjust the credit line based on your card activation date, credit status and card usage record.
We have two ways of offering such a flexible credit line:
1.Temporary credit adjustment to meet your short-term needs. The original credit line will be automatically resumed after the term expires;
2.Permanent credit adjustment without any specified term.
Notes:
1.Upon the expiration of the term of temporary adjustment, the original credit line will be automatically resumed. To avoid overrun charges, please repay the part above the original credit line within the term of temporary adjustment, no matter whether you have applied for automatic repayment.
2.The application for credit adjustment should be submitted only by the holder of the principal card.
Note: Please contact your local branch for detailed information about the service.