It is said that the credit card of the four major banks is difficult, but everyone wants to have a credit card of the four major banks; It is also said that there are so many credit cards in hand, but none of them belong to the four major banks. This is a nightmare. Although the credit cards of the four major banks are really difficult, even if they are done, the amount will not be very high. So what's so good about the credit cards of the four major banks that everyone is so eager for?
First, why do you say that it is difficult for the four major banks to use credit cards? First of all, talk about popular science. The four major banks refer to the four major state-owned banks, namely China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank and China Bank, representing the four most powerful bosses in China's financial sector.
Because of the "big four" reasons, it is naturally open, but it is still cold and arrogant, belonging to the kind that you ignore it and it ignores you. These four banks are more inclined to cooperate with individuals/enterprises with rich assets, and the criteria for selecting customers will be higher, so it will be more difficult to apply for credit cards from these banks.
2. Where are the credit cards of the four major banks?
1, revealing identity is proof of asset strength. Having four major credit cards means that your assets are safe, and you are a person with financial assets. Compared with other white households, it is a multi-asset, stable and quality customer. Most of the customers of the four major banks are within the system, plus the middle and high-level employees of special industries and private enterprises, how can they be unseemly?
It's easier to handle credit cards from other banks. If you have four major credit cards, other trading banks can easily find your running water. If you want to apply for a credit card from another bank, such as Industrial Bank, it will be easier. This is the card with the card. On the other hand, as I said at the beginning, the selection criteria of the four major banks are very strict. If you pass their test, it will be more obvious to apply for a credit card in other banks.
3. It is easier to get the loan amount. If you have four major credit cards and running water to prove your assets, it will be easier to get the deposit qualification. Therefore, the first choice for many people to apply for mortgages is the four major banks, because the approval amount is higher.
4. The first batch of credit cards has a relatively high quota. I also have several credit cards in my hand, but the initial credit card approval quota of the four major banks will be higher. Although the cards of other trading banks are easy to handle, the quotas are all around1w.
If you are recognized by the four major banks, you will be recognized as your own talented customer, so they are quite good in terms of quota.
If you don't have four major credit cards, you can use these cards in your hand to spend, and the amount of money spent each time is relatively large and the number of times is relatively large, so as to ensure that you have a good credit card with four major banks. But like many card friends, you want to have a repayment record, so that the bank feels that you are a "pregnant and financially" person, and you can pass the approval of the four major banks more quickly.
The most difficult credit card in the four major banks (which credit card with higher debt is better)
The most difficult credit card in the four major banks (which credit card is easy to apply for with high debt)-Yo Yo Encyclopedia of Life//Encyclopedia of Home Life Problems and Experience Literature Yo Encyclopedia of Home Life Problems and Experience Life Cold Knowledge The most difficult credit card in the four major banks (which credit card is easy to apply for with high debt) 202 10 13 06:40? Advantages of China Industrial and Commercial Bank Credit Card There are more than 30,000 outlets in China, and there is no bank that doesn't care about the debt ratio, and the quota is also the lowest.
Because they are all state-owned banks. High-debt customers represent high-risk customers, which is deep-pocketed compared with joint-stock banks. Compared with other banks, it is much more difficult, that is, the work permit. In order to apply for a credit card as soon as possible, I want to know which credit card is the best for banks to apply for.
ICBC has the longest review time. Why is it difficult for some banks to handle credit cards? With the gradual popularization of credit cards.
It is the highest amount among the four major banks. CCB's business and people's livelihood, bank credit cards are easy to apply for Bank of Communications, and the approval threshold for Bank of Communications cards is very low.
Recommend CCB's credit card, the benefits are good. State-owned and CCB credit cards are the easiest to issue among the four major banks. Different brands of international cards have independent quotas, and users should apply for credit cards according to the overall strategy of the bank. Or the income certificate stamped with the official seal of the unit can also be used, followed by.
There is no local cash withdrawal fee, and the bank has deep pockets. They don't attach importance to the credit card business. Banks occupy a policy monopoly and advantage when examining credit cards and inquiring about customers' credit information. The bank with the largest credit card advantage in China Industrial and Commercial Bank supports Alipay, and the average credit line of ICBC is over 40,000. For cardholders who are eager to use credit cards, which bank has the best credit card?
First of all, the risk control of China Merchants Bank and Bank of Communications refers to the standards of CCB, which is the top five, so there are four state-owned banks. Do you have any credit cards from other banks? Business is good.
It is the most difficult for workers and peasants to build credit cards of the four major state-owned banks. If you can have a CCB credit card, you can settle the account again. At present, the banks with the largest number of outlets in China support Alipay, and the requirements for applicants are higher than those of joint-stock banks.
Shanghai Huaxia, badge. Because all banks are afraid of customers with high debts, and they can conduct unrestricted local cash withdrawal independent bidding for different brands of international cards, so under the same conditions.
Guangfa, you only need to provide your ID card and your work certificate, or even. You will see the letters in the customer's name.
It is more difficult for ICBC, Agricultural Bank of China and China Construction Bank to apply because the auditing standards are stricter.
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"Title": "The most difficult credit card in the four major banks (which credit card is easier to apply for with higher debt)",
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Notes: "Advantages of China Industrial and Commercial Bank Credit Card There are more than 30,000 outlets nationwide, and there is no bank that does not care about the debt ratio, and the credit line is also the lowest. Because they are all state-owned banks. High debt customers represent cash "...",
" pubDate ":" 202 1- 10- 13t 06:40: 17 "，
[Update]: "2021-10-13t06: 40:17"
}
Which bank credit card is the most difficult?
Strictly speaking, as long as your personal credit record is very good, basically every bank can handle credit cards.
If you really want to name the most difficult credit cards, I think the credit cards of the four major state-owned banks, such as China Agriculture, Industry and Construction, are the most difficult, because such banks generally put their credit card business in a relatively biased business. These banks do a lot of business and don't worry about business. Naturally, they pay less attention to the personal business of credit cards, and the qualification examination of users is also strict.
Credit card processing depends on your personal credit information.
When you apply for a credit card, your credit card application record will be reflected in your personal credit report. Generally speaking, if you apply for a credit card too many times in a short period of time, the bank may decide that there is something wrong with your personal financial situation and will not approve the credit card application. Banks will definitely call your personal credit information before approving credit cards, so we must maintain personal credit information at ordinary times and don't keep records of inquiries and operations frequently.
Credit cards built by middle peasants and workers are the most difficult.
As I mentioned above, it is the most difficult to construct the credit cards of the four state-owned banks in China. Because these four banks all have certain technical business and don't put the credit card business in the business center, they will be more strict in reviewing credit card applications and have basic requirements for users. In addition, the credit card quotas approved by these four banks are generally lower than those of other commercial banks, and users rarely take the initiative to apply for credit cards from these banks.
The personal qualifications of users are very important.
Although the strictness of credit card approval varies from bank to bank, in general, the personal qualification of users is the most important. If the user's personal qualifications are not good, basically all banks can't apply for credit cards. On the other hand, if the user's personal qualifications are good, although different banks have different credit card quotas, they can basically apply. Personally, I suggest that you apply for no more than three credit cards, which is not only convenient for management, but also beneficial to our personal credit investigation.
Why is it difficult for the four major banks to apply for credit cards?
Why is it difficult to apply for a credit card in a big bank?
1: I happened to work in a bank for about a year and a half. Commercial joint-stock banks are not like other joint-stock banks, as long as the credit information is not bad, but the four major banks are different, and all banks are the same. As long as you deposit in a bank, you will be divided into silver card customers or gold card customers, white list, and of course vip customers. To be precise, different customers have different credit card limits.
Two: Credit cards need different consumption and use by users, and the amount is divided into stages, thus generating relative interest to make money.
1: Generally speaking, credit cards have promoted the consumption of young people. Banks earn more returns by giving depositors' money to people who need loans or investments. Young people pay back on time when they spend normally. Banks do not make money. Banks like to stage customers, so you can often get calls from banks asking you to stage them. The main businesses of the four major banks are different from those of other commercial banks.
2. For example, if banks run credit cards, as long as they are approved by white households, their credit card usage is in the forefront of the country, and credit cards with profitable business account for a large part. Some banks refuse to pass credit cards. You must use credit cards for more than one year to qualify. The four major banks do not need to make money through credit card lines. You can make good use of the credit line. If it is not used for a long time, it is also a loss for banks. You don't have to. Banks might as well lend money to people who need it more and earn more interest.
3. Basically, the credit lines of the four major banks are very low. I have seen many credit lines of 1000 and 2000 in the newly issued cards, but as long as they are used less, the savings card of the credit card issuing bank has deposits and the credit card can be withdrawn quickly. As long as customers are not short of money, credit card withdrawal will be quick. When you use the credit card for one more day, the post-loan management of the credit card can be found out. If you use too much every month, you will be listed as a risk customer by the bank. If you have used online loans,
Three: Can applying for a credit card correctly improve the pass rate?
1: Some banks can handle white households, some banks need to use their cards for more than half a year, and some banks have industry restrictions, which will restrict some industries. Some banks like customers with high academic qualifications, some banks like customers who use less credit cards, and some banks like white-listed customers with savings cards, so they need to know the approval conditions of major banks before doing it, and some banks can't do it indiscriminately. A friend said that it was paid off five years after the deadline, and there was no credit record. Why not? That's because in the eyes of banks, you are a high-risk customer and big data is not good.
2. A friend said, "Without a credit card, an online application will be rejected." In fact, it is not the bank that rejects you, but the system. We commonly call it secondary rejection and big data confusion, and the system can't get in. At this time, I will teach you a trick, save for a period of time, use your own savings to go to the bank, and then go to the outlets. The four major banks are also reasonable. You have their savings card, and
The difference between domestic and wild
Not bad, huh? I applied for ten credit cards and sold four. My friend used two and I kept four. Usually not often used, mainly used for++on construction sites. Both BOC and ICBC applied, while ABC and CCB did not, and other banks generally applied. All the small ones are sold out, and the rest are reserved for use.
CCB is relatively easy to handle, although the quota is not high, but the handling fee is low.
Not difficult. The key depends on personal credit qualification. I have all four lines. The first one is CCB Longka, and then the second one is ICBC (I cancelled it because of the low quota, and the second one was rejected. ), followed by China Agricultural Bank and China Bank.
The most difficult credit card in the four major banks
Credit card application is easy, bank quota is high, interest rate is low, and credit card online application is handled:
If you want to find a bank with the best credit card, you can choose from private banks, local banks and their co-branded cards, which is also a common cognition.
In addition, the development of credit card business in different banks is different. Generally speaking, there are many credit cards, so the threshold for application is relatively low and the probability of passing is relatively high.
When handling credit cards, many cardholders not only look at the threshold of handling cards, but also pay attention to the amount. After all, the larger the credit card amount, the more enjoyable it is to swipe the card, so many people want to apply for a credit card with a good amount.
Meituan joint credit card
Meituan co-branded credit card is a co-branded card jointly launched by the bank and Meituan. The credit limit of Meituan's joint credit card is generally 1 0,000-50,000 yuan, and the maximum credit limit is 50,000 yuan. (
Meituan joint credit card application
)
Meituan cooperated with Bank of Guangzhou, Bank of Jiangsu, Bank of Xiamen, Bank of Guilin, Bank of Shanghai and Bank of Qingdao to launch joint credit cards. The number of cooperative regional banks reached 14.
Cardholders can bind Meituan credit card on Meituan, and when spending on Meituan, they can use Meituan credit card to pay and enjoy relevant preferential activities.
If you are a senior user of Meituan, you often order takeout and group purchase, and you have certain spending power. You have applied for other bank credit cards and used them normally, so applying for the Meituan co-branded card is basically the second batch.
Meituan Credit Card can be used every day to deduct 6 yuan, and every takeaway can be deducted from 6 yuan for 90 consecutive days. Movies are 50% off every month, and credit card spending points can be automatically converted into the change of Meituan according to the standard of 10 yuan/100 yuan, which will be cashed on Tiantian Platform.
Bohai bank credit card
The credit card limit of Bohai Bank is: ordinary card limit1000-10000; Gold card amount10000-50000; The amount of platinum card is more than 50,000. It should be noted that the approval of credit line for credit card application is based on the applicant's actual situation, job stability, fixed income and so on. (
Bohai Bank Credit Card Application
)
Its products mainly include standard cards, Bohai Bank 5 1 joint credit cards, travel theme cards, house theme cards and family theme cards. The 5 1 joint credit card of China Bohai Bank is a UnionPay standard gold card, free of annual fee, with a maximum credit line of 654.38+10,000 yuan. The card does not have an interest-free repayment period, and it bears interest on a daily basis, and it can be repaid as it is borrowed, which flexibly meets the needs of cardholders such as++++,shopping and consumption.
Shanghai Pudong Development Bank Credit Card
The credit cards of Shanghai Pudong Development Bank are divided into ordinary cards, gold cards and platinum cards according to the card level. Generally, credit cards are between 3,000 and 50,000 yuan, gold cards are between10000 and 50,000 yuan, and platinum cards are above 50,000 yuan. (
Shanghai Pudong Development Bank Credit Card Application Form
)
The credit limit of Shanghai Pudong Development Bank's credit card is the credit limit given by the applicant through various evaluations, including: work, credit history, education level, asset status, etc. The better the evaluation project, the higher the credit card limit.
Hengfeng bank credit card
The credit card limit in hengfeng bank is generally: the credit card limit is between 3,000 yuan and 65,438 yuan+00,000 yuan. Gold card amount: 5000 -30000 yuan. Platinum card amount: 10000 -50000. (
Hengfeng bank credit card application
)
This article mainly talks about hengfeng bank Star Platinum Credit Card, which is a family-based credit card. With this card, it can provide cardholders and their families with a variety of rich rights and interests, such as comprehensive aviation protection, family personal health housekeeper, triple points on Wednesday, exclusive points cash back, UnionPay platinum courtesy and so on.
In terms of travel, Star Platinum Credit Card is also quite distinctive. With this card, cardholders and their families can enjoy global flight delay insurance in 300 yuan and air checked baggage delay insurance in 800 yuan for a single delay of two hours.
The introduction about the bank credit card application is the most difficult and which bank credit card application is the most difficult ends here. I wonder if you have found the information you need?