Recently, a friend with a monthly income of 15,000 told a card sister that he had platinum cards from China Merchants Bank, CITIC, and Shanghai Pudong Development Bank, but his application for the Agricultural Bank of China’s Jingshenbai card was rejected immediately! According to this cardholder, the account manager who received him made it clear that he needed approval from the provincial branch. Municipal branches did not have the authority, even to purchase financial bricks! Although Agricultural Bank of China is one of the four major state-owned banks, it is too arrogant...

Agricultural Bank of China’s essence white refers to the essence version of Agricultural Bank of China’s Zunran Platinum Card. According to the account manager It was revealed that Jingjingbai is one of the platinum credit cards promoted by Agricultural Bank of China, and the minimum credit limit is 50,000 yuan! The privileges and benefits that can be enjoyed are even more powerful:

1. Unlimited free use of 50 airport VIP lounges across the country, and you can bring one extra person for free, covering more than 30 provinces and cities across the country, including first-tier airports such as Beijing and Guangzhou The city and popular tourist routes such as Lijiang and Xishuangbanna;

2. Enjoy free hospital appointment registration and expert accompanying services throughout the entire process, including booking, pricing, medicine, medical treatment, payment, etc., and can be provided every year Enjoy 3 times;

3. Free accident insurance for public transportation and 24-hour free road rescue to ensure your safety in real time;

4. Free parking at the airport, 5 Buy one get one free at star-rated hotel buffets, 10% off for stays at well-known hotels...

Agricultural Bank of China credit cards were originally regarded as arrogant, with few activities and few discounts in the eyes of cardholders, but since 2017 Since the beginning of the year, Agricultural Bank of China has launched weekly shopping activities and has begun to vigorously catch up with China Construction Bank and Bank of China. It will not fall behind even on online shopping festivals such as Double 11 and Double 12! With its large number of offline outlets, Agricultural Bank of China is deeply loved by office workers in third- and fourth-tier small cities. Having a pure white credit card in small cities is undoubtedly a demonstration of income and status.

There are many conditions for applying for the Agricultural Bank of China’s Essence White card. It is difficult for many cardholders to get approved for applying for the Essence White card for the first time. Most of the Agricultural Bank of China’s cardholders have upgraded to get the Essence White card. Each card has its own card application skills, please listen to the card sister.

1. Key points: Because Agricultural Bank of China has many branches, the account manager has relatively great power, which not only affects the limit, but also determines whether you can successfully apply for a card. If you can establish a good relationship with an account manager of the provincial bank, the next The card will be much simpler;

2. When raising the limit and approving credit cards of Agricultural Bank of China, deposits and financial management are more important. If you are a cardholder who likes financial management, you can use your deposits to buy financial products of Agricultural Bank of China first, and don’t rush to withdraw them. Wait until the daily average reaches the standard and the limit is successfully raised before withdrawing it;

3. Agricultural Bank of China’s branches in various places often carry out some promotional activities. They can recommend large-amount credit cards. It will be much easier to apply for the essence at the right time. . Ms. Lan from Zhengzhou and her friend applied for the card at the same time. Ms. Lan was approved but her friend was rejected. The qualifications of the two are very similar. The reason is that Ms. Lan applied for the card through recommendation from an event;

4. and Make good dealings with the branch. It is mentioned above that Jingjingbai needs the approval of the provincial bank, but many cardholders said that the provincial bank approved it, but it was listed in the municipal bank. The reason is that the Agricultural Bank of China has too many outlets. It is recommended that cardholders apply for the card at the branch where they often deal with the Agricultural Bank of China. If it does not pass, they can purchase insurance and financial products through the branch;

5. A financial management manager of the Agricultural Bank of China once said that the Agricultural Bank of China pays more attention to people with rich wealth. And civil servants, and the requirements for civil servants are not high, as long as they are section chiefs, cardholders can also apply for Jingbai through the recommendation of the section chief;

Summary

Provincial approval, property Achieving standard or stable income, good credit and purchasing financial products are almost necessary conditions for applying for an Agricultural Bank of China credit card. Compared with high incomes in first- and second-tier cities, it is easier to apply for Agricultural Bank of China’s elite credit cards in third- and fourth-tier cities. The per capita income in big cities is high, and in lower-tier cities, it is easier to apply. The card standard is also high. Cardholders may wish to purchase insurance worth RMB 20,000 to RMB 30,000 at an Agricultural Bank of China branch in a small city in their hometown before applying for the card. This will also increase the chance of approval.