How about the credit card of China Everbright Bank? Advantages and disadvantages coexist!

Banks are making full use of credit cards, which makes the popularity of credit cards wider and wider. In addition to the four major banks we are familiar with, there are many credit cards issued by China Everbright Bank, among which there are many good cards that everyone talks about. Many friends ask whether the credit card of China Everbright Bank is good or not. I can only say that there are advantages and disadvantages. Let's take a look at it together.

Advantages of China Everbright Bank Credit Card

1. The security of credit card use is a very important part. Credit card consumption of China Everbright Bank can be paid by password signature, which has high security.

2. The credit card of China Everbright Bank provides free SMS notification, which is convenient for the cardholder to accurately grasp the dynamics of the card and also helps to avoid card theft.

3. The credit card of China Everbright Bank is easy to be divided into stages, especially for China Everbright Mini Card, which can be divided into stages regardless of the merchant, amount and place, and the key point is that there is no installment fee.

4. Under the Platinum Card of Everbright Credit Card, the annual fee can generally be waived by swiping the card number, and the annual fee for the following year can be waived only by swiping the card for 3 times in an unlimited amount.

Disadvantages of Everbright Bank's credit card

1. Everbright Bank has relatively few outlets, and it is not so convenient to handle business in some places.

2. The gift renewal in the credit card redemption center of China Everbright Bank is slow and relatively unattractive.

3. The popularity of China Everbright Bank's credit cards is not so large, so the discounts offered by consumers will be relatively small.

4. China Everbright Bank cares about multiple banks. For those who hold more cards, which generally refer to more than 6 bank credit cards, it is generally difficult to get off the card.

The above is an introduction to the advantages and disadvantages of China Everbright Bank's credit card. On the whole, China Everbright Bank's credit card is still worth applying for. Different cards will have different rights and advantages. Just choose what you need and what is suitable.

why is everbright credit card so rubbish

everbright is service-oriented, and there is no special advantage. I suggest you really don't need to use it if the credit limit of your everbright card is below 8,. It's fine if the credit limit is higher, but if you really don't plan to use it, you must call to open the card first and then cancel it. Generally, you will be informed that the cancellation is successful within 7 working days at most. Pay special attention to it, because everbright.

credit card blacklist:

1. Credit card blacklist refers to the credit card users who are listed by the relevant banks as refusing credit. Once added, it is absolutely impossible to get a loan and apply for a credit card in China.

2. How to generate the blacklist of credit cards

1. To handle credit cards with false information, most of them are to find an agency company outside to handle cards. After the bank finds the agency company, it will handle these cards; Or you forged or concealed or omitted important information when applying for a credit card, and the bank was blacklisted.

2. Cash out with a credit card, such as online transactions such as Taobao, or outside card companies. In fact, the possibility of these cases being investigated is very low, one out of ten. If you are in this situation, then your luck is very bad.

3. Long-term overdue and repeated dunning, such as 4-5 times overdue for 2 months in a row and 2 times overdue for 3 months or more (to explain, being blacklisted does not necessarily mean that the card cannot be used, and these overdue situations refer to the situation that the card cannot be used).

4. Factors that other banks think may lead to risks (your factors).

3. Credit card blacklist query Cancel the blacklist data and keep it in the personal credit information system of the central bank for seven years, and keep particularly serious and obviously malicious negative information such as bankruptcy for ten years. If the retention period is exceeded, the negative record will be deleted in the personal credit report. If you want to get rid of it, you have to wait seven years. After the retrospective period of seven years, the bank will automatically cancel the blacklist. However, please note that if your behavior was too bad at the beginning, the bank can request to continue the retrospective (provide relevant certificates, such as repeated visits, malicious proof, etc.), that is to say, it will continue for seven years, or even forever. You can bring the ID number you need to inquire to the relevant bank for inquiry.

Reasons for the failure of Everbright's credit card application What jobs are not popular will also affect the application

There are always some cardholders who will experience the painful experience of being rejected in their credit card application, and there are many reasons for the failure of credit card application. If you don't find out, you may fall into a vicious circle of "repeated application and repeated failure" if you want to apply for a card again. Today, I prescribe the right medicine, mainly sorting out the reasons for the failure of Everbright Credit Card application, and card friends can check them one by one.

1. Insufficient application qualifications

Credit card applications have entry barriers, and banks need to comprehensively score the applicants' age, working years, salary income or other financial conditions. If the scores are not enough, the application will naturally end in failure. In addition, the specific card types of credit cards have specific application conditions. For example, the applicant of China Merchants Bank YOUNG card needs to be under 3 years old, and it is inevitable that your application will fail if you are too old.

2. Incomplete and incorrect information

The bank needs to evaluate the qualifications of the card applicant according to the information provided by the applicant. If the application information is incomplete or incorrect, it will directly affect your card application score, and the score is too low, and the bank has a high probability of rejecting the card.

3. It belongs to the restricted application industry

Generally speaking, the entertainment industry: KTV, video game city, Internet cafes, bars, beauty salons, dance halls, nightclubs and other employees; High-risk industries: such as coal miners, truck drivers, taxi drivers, security, direct sales, pyramid schemes, etc. Freelance: personnel, mobile vendors, etc. If you apply for a credit card in the above occupations, the probability of failure is very high.

4. Bad personal credit

If the applicant has the following conditions, it belongs to bad personal credit and has maliciously overdrawn or defaulted on loans in other banks; There are records of unpaid water, electricity, gas or telephone charges; The applicant is in litigation or has a bad record in the public security bureau, etc.

The reasons for the failure of Everbright Credit Card application listed above may not be comprehensive, but as long as cardholders are clear, the bank mainly considers the applicant's spending power and repayment ability when issuing credit cards. The better the economic conditions, the more stable the applicant is in all aspects, which is more conducive to the successful application.

Introduction of advantages and disadvantages of credit card of China Everbright Bank

China Everbright Bank is one of the largest banks in China, so the credit card of China Everbright Bank is also the choice of many people. So, what are the advantages and disadvantages of Everbright Bank's credit card? This article will introduce the advantages and disadvantages of China Everbright Bank's credit card.

The advantages of Everbright Bank's credit card are as follows:

1. As long as you swipe your card for three times, you can avoid the annual fee for the following year;

2. The credit card of China Everbright Bank can use ATM machines of other banks;

3. China Everbright Bank offers many credit card discounts.

The credit card of China Everbright Bank has the following two disadvantages:

1. The credit card popularity of China Everbright Bank is not high enough, so there are not so many preferential merchants;

2. For those who value appearance, the credit card of China Everbright Bank is not beautiful enough.

the above is all about the advantages and disadvantages of China everbright bank's credit card, and I hope it will help you!

That's the end of the introduction about why Everbright Credit Card is not good and why Everbright Credit Card can't be swiped. Did you find the information you need?