Huaxia Changxing Credit Card is one of the necessary credit cards for car owners. Refund can be made by swiping the card to refuel, and in some areas, you can also enjoy the etc label. If you take the etc at a high speed, you can pay without stopping. Therefore, many car owners want to apply for the card, but because they don't know enough about the amount and annual fee of the card, they asked Xiaobian. Below, Xiaobian will give you a detailed answer.

The credit line credit rules of the credit card application platform are as follows: firstly, define an initial credit line for different levels of credit cards, then comprehensively score the materials submitted by the applicants from many aspects, and finally combine the initial credit line corresponding to the card level with the score to determine the final credit line. The starting amount of Puka is 2 yuan, the starting amount of gold card is 5 yuan, and the starting amount of platinum and titanium gold is 1 yuan. Although Huaxia Imagination Credit Card is platinum card and above, it is a bit special, and its starting limit is 5 yuan. You know, Huaxia Bank will make a comprehensive evaluation based on users' credit information and other aspects, and then score it, and then decide whether to issue a card and the amount of credit line according to the score. Therefore, if you want to obtain a higher credit card limit, users need to optimize their personal data appropriately, especially in terms of occupation, age, income, etc. After all, the higher the income of users, the stronger the repayment ability, and the less the risk of default.

as for the annual fee, the annual fee of a credit card is related to the card level, and the higher the level, the higher the annual fee. Huaxia Changhang Credit Card belongs to UnionPay single-currency IC chip card. There are two products: Changhang Huaxia Zunshang Platinum Credit Card and Changhang Huaxia Platinum Credit Card. Although both of them belong to platinum cards and above, among the platinum cards issued by many banks, the annual fee is relatively cheap, and they are not rigid annual fees, which can be conditionally reduced. For example, the annual fee for the main card of Huaxia Changhang Zunshang Platinum Credit Card is RMB 68 yuan/card/year, and the annual fee for the nuclear card is free in the first year, and it can be redeemed with 5, points within 3 months after the annual fee is generated in the next year; Supplementary cards are free; The annual fee for the main card of Huaxia Changxing Platinum Credit Card is RMB per card in 2 yuan, and the supplementary cards are free; The annual fee for the master card is free in the first year, and the annual fee can be reduced or exempted after 5 transactions in the next year. If the annual fee is not met, 2, points can be exchanged for the annual fee within 3 months after the annual fee is generated.

The above is the introduction of Huaxia Changhang Credit Card. If you are not satisfied with the credit card approval amount, users should not cancel the card easily. Instead, they should keep swiping the card frequently after activating the credit card, develop a good habit of using the card, and spend half a year on the card, and maybe the bank will raise the amount for it.