Why do banks always send messages saying that I am a high-quality credit card customer but never issue the card every time?
They are all deceiving people when applying for credit cards from China Construction Bank, saying that I What kind of high-quality customer is this?
The bank staff said that it can be done, and it will definitely be done, in about a month. Who are high-quality customers of bank credit cards?
Usually VIP customers or platinum customers recognized by banks can be directly identified as high-quality customers and given preferential policies on mortgage loans.
Employees of key group customer headquarters and core enterprises, institutional customers, and AAA-level enterprises determined internally by the bank;
High-level professional and technical personnel in legal affairs, medical and health, education and other industries ;
Customers in specific industries and professions, such as managers of state agencies and public institutions;
Medium and senior managers of key large enterprises with good operating conditions and identified as target customers by commercial banks etc.;
It is also easier to obtain preferential housing loan policies. My online application for a CCB credit card failed, and CCB sent me a message saying that I was a high-quality customer and I could give it a try if I brought my ID.
It is said that you are a high-quality customer because you have deposits in Xiaojian, or your salary is paid by them on their behalf.
Remember to submit your application. Online approval is more arbitrary and can easily be rejected. The banks all say that I am a high-quality customer, so why don’t you apply for a card for me?
Although there are fewer invitations to apply for a card and raise a limit, it is not a big deal to apply for a card and raise a limit. The bank is trying to harvest a batch of applications. When card users are identified, they will be screened using some conditions in the database, such as those with deposits and the number of stars. Then click to send a group message! To put it simply, this is the same as sending a group blessing text message during the New Year. It does not mean that just because I send you blessings, it really means that the relationship is good!
If you really believe it, the audit of applying for a card will still be based on strict standards, including your qualifications, assets, turnover and other information will be included in the discussion. Under various audit standards, whether the card can be released depends on the hardware, not just whether the invitation text message has been received!
Say I am a high-quality customer and ask me to apply for a credit card. How much will be approved?
If it refers to China Merchants Bank credit card, the general judgment will be based on fixed income, time deposits, fixed assets, and liabilities. . Under normal circumstances, the fixed limit range of ordinary cards is ￥1,000-￥10,000, and the fixed limit range of gold cards is ￥10,000-￥50,000. Cards regardless of gold cards and ordinary cards generally have a limit of 3,000-50,000. The specific limit is subject to audit The result shall prevail, and it is not excluded that the standard card may have a gold card limit. High-quality bank customers recommend whether the credit card application rate is high
Generally speaking, there are one to three ways to increase the success rate of credit card application: 1. Increase in personal value. Certificates from various high-end institutions, certificates from various authoritative institutions, etc. can improve the success rate to a certain extent. 2. Social background value. Your or your family’s economic and political background, your guarantee, your economic, political or family background, your enterprise and institution, etc. These are also some conditions related to the success rate of applying for a credit card. 3. Personal creditworthiness. The creditworthiness mentioned here is the creditworthiness on record. Personal credit is about personal integrity. Good credit can effectively improve the success rate of credit card application. But the accumulation of credit requires time, and second, you must have used a credit card or similar items, so that there will be a record. Suggestion: You can work on the first item, but it is not supported. The best way is to accumulate a personal financial foundation. When applying for a credit card, money is the best stepping stone. ICBC sent me a message, saying that I am a high-quality customer and have a high chance of applying for a credit card. I have not been able to apply for a credit card from other banks before.
Don’t believe any text messages. If you really need it, I suggest you go there. ICBC online store counter input consultation to handle bad debts, why does the bank still send information to apply for a credit card?
If you meet the application conditions for a CMB credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit.
The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in a China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following four ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate file; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that credit card verification will be subject to the final audit result. I am a high-quality customer of ICBC. Why was my credit card application rejected?
Being a high-quality customer can only mean that you have no debt record with ICBC. It does not mean that your assets can meet the conditions for applying for a credit card. To put it bluntly: *** If you don't commit a crime at home, if you go out and have no money, the taxi driver won't pick you up. It's not because you haven't committed a crime that you are rich.