China Construction Bank Platinum Credit Card (credit card) is generally between 50,000 and 5 million yuan.
The credit cards (debit cards) of China Construction Bank are classified into ordinary cards, gold cards, platinum cards and diamond cards according to their grades. Generally, the credit limit of ordinary cards is between 1000- 10000 yuan, the credit limit of gold cards is between 10000-50000 yuan, the credit limit of platinum cards is between 500,000 yuan and 200,000 yuan, and the maximum credit limit of diamond cards is 5 million yuan.
The credit limit of CCB's credit card (debit 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 (debit card) quota.
Is CCB Platinum Card awesome?
Yes, CCB Platinum Card offers:
1. You can enjoy VIP services at the airport, including more than 500 VIP lounge services at home and abroad, as well as various preferential activities launched by airlines.
2. You can enjoy preferential services at 200 golf courses and 100 driving ranges all over the country. You can watch 20 friendly matches free of charge a year, and you can enjoy the green fee of 12 and the free practice of 12 a year.
3. You can enjoy high aviation accident insurance and vehicle accident insurance, or credit card theft insurance worth 50,000 yuan.
4. With CCB Platinum Card, you can enjoy special financial services, including VIP line service. You can queue up for business at outlets and enjoy preferential loan interest rates.
Construction Bank Platinum Credit Card Application Conditions:
1, must be at least 18 and below 60, and be a natural person with full capacity for civil conduct.
2. The higher the income, the higher the pass rate of applying for the Platinum Card of CCB, requiring the applicant's annual income to be no less than 6.5438+0.5 million.
3. Have a regular job, so that the bank will consider issuing a card for you. If your company is one of the top 500 companies in the world or one of the top companies in China 100, your success rate will be higher.
4. The more assets certificates submitted, the better. For example, any real estate license, automobile driving license or large investment and financial management certificate can be submitted. In short, it is to prove to the bank that the richer you are, the higher your pass rate will be.
Have a good credit record, because this is the basis for you to do anything. No matter what business you do in the bank, this is the premise.
Application conditions of CCB Platinum Card
CCB Credit Card Platinum Card is a large credit card with a credit limit of over 50,000. Although the credit card threshold of CCB is low, the application success rate is high, and the number of applicants is very large, but the amount of card approval is generally not high, so it is necessary to prepare some materials for applying for CCB Platinum Card, understand whether you meet the requirements, and sort out the application conditions for CCB Platinum Card for reference.
Reminder: The amount of platinum card of CCB is at least 50,000 yuan, so it is recommended to handle it as needed.
1, opened an account in CCB for more than one year, with an average monthly deposit balance of more than 500,000;
2. Borrowing from CCB within one year, with a loan amount of more than one million yuan, with normal repayment and no occurrence;
3, within one year, the use of CCB spending more than one hundred thousand yuan.
4. Other requirements of China Construction Bank. After meeting the above four conditions, you can apply for a platinum credit card.
Tips:
1, CCB will upgrade once every six months. As long as the cardholder swipes the card frequently and repays in time, the bank will automatically increase the credit card limit.
2. The amount of CCB Platinum Card is related to the personal data submitted by the applicant and the comprehensive situation of the applicant.
What are the requirements for handling CCB Platinum Credit Card?
Because credit cards are divided into different grades, the requirements for ordinary cards, gold cards and platinum cards are different. Credit cards generally require people who are at least 18 years old and have stable repayment ability. CCB Credit Card Platinum Card is a large credit card with a limit of more than 50,000. In addition to the basic requirements, it also has the following other restrictions on applicants:
1. Within one year, CCB will spend more than 10 million.
2. Having opened an account in CCB for more than one year, with an average monthly deposit balance of more than 500,000;
3. Loans from CCB within one year, with a loan amount of more than one million yuan, normal repayment and no bad credit record;
According to your situation, you can evaluate whether you can apply for CCB Platinum Credit Card according to your deposit or loan amount in CCB. If you are in doubt, you can call 95533 or go directly to CCB outlets for consultation.
China Construction Bank is a national vice-ministerial unit and a large state-owned bank managed by the central government. Established in June 1 954 65438+1October1,the head office is located at No.25, Beijing Financial Street.
The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 20 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance.
On February 9, 2022, Forbes released the list of the top 50 global blockchains in 2022, among which China Construction Bank ranked.
Enterprise profile
China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in June 1954. The Bank was listed on the Hong Kong Stock Exchange (stock code 939) on June 5438+1October 2005 and on the Shanghai Stock Exchange (stock code 60 1939) in September 2007. At the end of 20 19, the market value of the bank was about 21768.6 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.
By 2020, this bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 65,438+04,965,438+02 branches and 347,654,38+056 employees, serving hundreds of millions of individuals and corporate customers. In the fund, leasing, trust, insurance, futures, pension, investment banking and other industries with subsidiaries. Overseas institutions cover 30 countries and regions, with more than 200 overseas institutions at all levels.
branch
China Construction Bank has overseas branches in Hong Kong, China, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg, Taiwan Province Province of China (Taipei), Hong Kong, China and the United Kingdom (London).
How to apply for CCB loan with CCB Financial Platinum Card?
China Construction Bank Financial Platinum Card has all the functions of a general debit card, as well as the preferential and financial consulting functions of China Construction Bank. With the wealth management card, you can apply for the "quick loan" business of CCB.
Individuals applying for loans in CCB have different requirements according to different loan businesses. CCB's personal loan business mainly includes: personal housing loan, personal consumption loan, personal business loan and CCB's "quick loan".
Detailed introduction of CCB's fast loan:
I. CCB's fast loan target
Personal customers who meet the relevant conditions of personal loans of China Construction Bank, including but not limited to:
1. Customers with financial assets such as deposits, wealth management products and national debt in CCB;
2. CCB housing loan customers;
3. CCB private banking customers (see 95533 for the standards of private banking customers)
4. Other customers.
Meet one of the above conditions.
(The above contents are for reference only. Customers applying for the above products and services shall be subject to the actual operation results. You can consult the local Construction Bank or 95533 for details. )
Second, the fast loan process
Online application-real-time feedback of maximum loanable amount-online real-time approval-online contract signing-self-lending-multi-channel self-service repayment.
Third, the fast loan application method
1. Log in to CCB official website, click "Quick Loan" of CCB, click "Apply Now", and log in to personal online banking to apply.
2. Log in to personal online banking directly, select Personal Loan-Express Loan-I want express loan, and click on different products to apply as needed.
3. Information filling: Fill in the application information according to the webpage prompts, just fill in the loan amount, term and other elements.
4. Signing approval: real-time online approval to obtain loan results. After online confirmation, sign the contract online or with the corresponding lending institution according to the webpage prompts.
5. Loan purpose: After signing the contract, it can pay any domestic e-commerce order, POS card payment and online banking transfer payment.
6. Interest calculation and settlement rules: From the date of loan issuance, the loan interest will be calculated and collected according to the actual loan days and the interest rate agreed in the contract, and no interest will be charged if it is not used.
7. Loan repayment: repayment through personal online banking, ATM self-service, or repayment at the CCB counter.
Fourth, matters needing attention
To handle "quick loan", you need to be a personal online banking customer of CCB.
In the process of handling fast loans, you need to insert a silver shield. If there is no online banking shield, you can apply for a loan and get the loan approval quota, but you can't complete the whole loan process. Please make sure you carry the silver shield with you.
So much for the introduction of CCB Platinum Card.