Is it easy to apply for a CCB credit card?

The CCB Gold Credit Card is relatively easy to apply for. As long as the applicant’s credit status, work and income, and repayment ability meet CCB’s application conditions, Whether you apply online or offline, it is relatively easy to pass. However, even if you successfully apply for a card, everyone's credit limit will be different. The better the credit conditions, the higher the credit limit will be.

The CCB Credit Card Gold Card is relatively easy to apply for. As long as the applicant's credit status, employment and income, and repayment ability meet CCB's application conditions, it is better to apply online or offline. Passed. However, even if you successfully apply for a card, everyone's credit limit will be different. The better the credit conditions, the higher the credit limit will be.

Extended information:

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the categories include: Dragon Card prestigious school card, Dragon Card business card, Dragon Card car card, etc.

Annual fee-free policy: Swiping the Gold Card 3 times or 18 times will waive the annual fee for the following year (excluding business cards, car cards and other special cards)

Cash withdrawal fees : Domestic: 5‰ of the transaction amount, minimum 2 yuan, maximum 50 yuan; overseas: 3‰ of the transaction amount, minimum 3 US dollars.

Multiple account management: Limit ***Enjoy multiple CCB cards with the same billing date and independent repayment

Online payment: Alipay: You can use it after online registration, single payment and single payment The daily limit is 500 yuan

Instalment business: interest-free installments (3, 6, and 12 installments) from specific merchants are supported. After a single purchase of more than 1,000 yuan, you can call to apply for installments (3, 6, 12, 18, 24 installments). Each installment will incur different handling fees depending on the number of installments

Billing date: every month There are multiple billing dates, and cardholders can change them once a year during the validity period of the card

Currency: RMB, RMB/USD, RMB/EUR

Interest:

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank accounting date to the repayment date. The minimum is 20 days and the maximum is 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

If the full payment is not made before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If the repayment is not repaid before the repayment due date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge 5% of the unpaid portion of the minimum repayment amount. Charge late fees.

Is the credit card approval rate high when applying for a credit card through CCB online banking?

There is no way to verify the credit card approval rate for CCB online banking applications, but it is more convenient to apply online and there is no need to submit information on social security, work income, and property certificates. Just submit your basic information. If your online banking shield is not verified for the first time and you meet the conditions for bank credit card application, the bank will notify you by text message or phone call to go to the nearest branch for an interview. If you pass the interview, the card application rate is still very high. . \r\nChina Everbright Bank Advertisement\r\nPlatinum Card has a high annual fee-free limit! \r\nThe specific steps for the CCB online banking application letter are as follows:\r\n1. Open the CCB official website, click "Credit Card" - "Credit Card Online Application";\r\n2. Fill in the relevant information and continue to fill in the relevant information, such as work information, billing address, other information, etc.;\r\n3. Read the credit card application content, and click Agree, Next;\r\n4. After filling in, click OK, your phone will receive a verification code, enter the verification code, Click Confirm to submit the application.

\r\nFor more information about whether the credit card application rate of CCB online banking is high, please enter: View more content

Is it easy to apply for CCB credit card?

As long as the CCB credit card meets the application conditions It is still very easy to apply. When applying for a credit card, applicants generally need to be over 18 years old to apply, and they need to submit a valid personal identity certificate; they must also have a stable income and be able to prove their ability to repay; the last point is to apply. If a person's credit record is good, banks will issue a card if they meet these requirements.

The first-time application limit for a China Construction Bank credit card will not be too high, but you can submit some more valuable financial proof, such as real estate certificates, bank statements and vehicle information, etc., which can increase the limit of the card issued by the bank. ; However, the way you apply for a credit card also affects the card limit. Generally, the card limit at bank counters and bank clerks is higher than when applying online.

After applying for a China Construction Bank credit card through the bank counter and bank clerk and submitting the materials, it usually takes 20 working days to get the card. If you apply online, it only takes about 15 working days to get the credit card. This is because the branches It takes time to declare after applying, which will delay some time. However, there is no need to declare when applying online, and the time will be faster.

After getting the credit card, it can only be used after activation. There are many ways to choose from when activating. Generally, there are phone activation, bank counter activation and official website activation. During activation, a transaction password and query password will be set. When setting, Be sure to remember it clearly to avoid confusion later.

Is it easy to apply for a CCB credit card online? Three tips to teach you how to get stuck easily!

Among the four major state-owned banks, it is relatively easy to apply for a credit card from China Construction Bank. However, if you apply online, the approval rate will generally be lower than at the counter, but this does not mean that it is difficult to get approved. . The main thing is to master some card application skills. Here we will teach you some tips on how to apply for CCB credit card online easily.

Is it easy to apply for a CCB credit card online?

As mentioned earlier, to apply for a credit card online easily, you need to master the card application skills. Here are three points:

1. Fill in the information:

If the online credit card application information is not true, the card will be rejected directly once discovered by the bank. Therefore, when filling in the application form, it is most critical to fill in the basic information truthfully. You can exaggerate a little, but don’t go too far. Remember to fill in the correct company address, company name, etc.

2. Learn how to package information:

When filling in application information online, package it mainly from work information, asset information, social security deposit records, etc., especially work information and income status. For job information, it is best to write the person in charge when filling in the position. The income can be written as high as appropriate according to the working years, and in addition to the monthly salary, various subsidies and year-end bonuses should be added.

3. Choose the appropriate card type:

Choose the card type according to your actual situation. For example, for beginners, it is best to start with regular cards, gold cards, or some relaxed cards. For platinum cards, it is best to choose the more popular credit cards of China Construction Bank and the credit cards during the promotion period, such as Dragon Card Premium Credit Card, Dragon Card MUSE Credit Card, Dragon Card Tencent Game Credit Card, etc.

The above is the relevant introduction to "Is it easy to apply for a CCB credit card online?" In short, it is relatively easy to apply for a CCB credit card if you follow the three points introduced above. It should be noted that when applying for a CCB credit card online, especially for the first card, you will need to go to an interview before you can apply for the card.

Is it easy to get a China Construction Bank credit card?

Easy to handle. It is relatively easy to apply for a China Construction Bank credit card. As long as the applicant is over 18 years old, has full capacity for civil conduct, and has stable repayment ability, in principle, he or she can apply for a credit card. When China Construction Bank approves whether to issue you a credit card, it mainly depends on your repayment ability and credit status, so you should provide as much personal information and asset certificates as possible. If your income is unstable or your credit situation is not good, it is generally difficult to get approval.

This depends on your own personal credit, which is what we often refer to as personal credit report.

If you have never used any credit card before, you are most likely to have a white account. It is very easy for a white account to apply for a credit card. This means that you can apply for a credit card from any bank at will. The same is true for China Construction Bank. Banks generally A quota of 5,000 to 10,000 will be given to white households.

If you have used a credit card before, you need to understand the concept of the central bank's total credit limit. Within the total credit limit of the central bank, you can apply for a credit card from China Construction Bank. Credit card applications from China Construction Bank are generally more difficult and require users’ personal credit reports. In most cases, your credit card inquiry record cannot exceed 10 times in the past year, otherwise it will be difficult to apply for a China Construction Bank credit card.

: What are the precautions for using credit cards?

1. Pay attention to consumption. In addition to enriching the types of daily card consumption, credit cards also need to ensure the consumption limit, and occasionally make several large purchases. In addition, you should also pay attention to avoid frequent consumption at the same place. After some friends made several large purchases, the bank not only refused to approve the limit increase, but also froze the credit card because of the risk of cashing out.

2. Pay attention to the quota. Friends who want to increase the limit of their credit card must pay more attention to the limit changes of active credit cards, especially the usage limit and available limit. The higher the ratio of your credit card's used limit to your credit limit, the higher the chance of your application for a limit increase being approved.

3. Check credit report. If the cardholder has met the conditions for credit card limit increase, it is best to check your personal credit report first. Credit investigation has a great impact on credit card limit increase. Only a good credit record can ensure the success rate of credit card limit increase.

Is it easy to apply for a China Construction Bank credit card?

Construction Bank Credit Card is very easy to apply for as long as you meet the application conditions. When applying for a credit card, applicants generally need to be over 18 years old to apply, and they need to submit a valid personal identity certificate; in addition, they must have a stable Income can prove that one has the ability to repay; the last point is that the applicant has a good credit record.

1. Is there an annual fee for China Construction Bank credit card?

1. CCB Credit Card Commercial Card: The annual fee for the gold card is RMB 200, and the annual fee for the regular card is RMB 100.

2. CCB Personal Credit Card: The annual fee for the main card of the gold card is RMB 160, and the annual fee for the supplementary card of the gold card is RMB 80; the annual fee for the main card of the regular card is RMB 80, and the annual fee of the supplementary card The annual card fee is RMB 40.

3. Construction Bank credit card annual fee exemption policy: within the card holding year, if you make 3 purchases with the card each year (no limit on the amount), you will be exempted from the annual fee for that year. If there are less than 3 transactions, the annual fee will be charged at the beginning of the second card holding year.

2. What is the maximum credit limit of China Construction Bank?

1. The maximum limit for regular cards: 10,000 yuan.

2. The maximum limit of gold card: 50,000 yuan.

3. The maximum limit of Platinum Card: 200,000 yuan.

4. The maximum limit of Diamond Card: 5 million yuan.

The credit card limit is comprehensively reviewed by the bank's full-time review department based on the applicant's personal data and information. Whether the application can be successful and the amount of the credit limit are subject to the final review result.

3. Are there points for online shopping with China Construction Bank credit card?

There are no points for online shopping with China Construction Bank credit cards. CCB points regulations: Payments made through online third-party platforms such as Alipay, JD.com, WeChat, etc. do not count points. Cardholders who use China Construction Bank credit cards to make card purchases at department stores or other retail merchants can accumulate points. For cash installment business, points will be calculated based on the actual transaction amount.

4. Can I apply for a China Construction Bank credit card online?

Construction Bank credit card can be applied online. The specific method is as follows:

1. Official website application: Log in to the official website of China Construction Bank Credit Card, select the card type you want to apply for, and then fill in the required information to apply for the card. Information is enough.

Operating environment:

Brand model: Lenovo laptop Xiaoxin Air15 Ryzen Edition

System version: Windows11

Browser: Google Chrome browser

Browser version: 87.0.4280.88

2. WeChat application: Follow the China Construction Bank WeChat official account, click "Credit Card" - "Business Processing Hall" - " "Credit Card Application", just click on the page.

Operating environment:

Brand model: iPhone13

System version: iOS15.0

App version: 8.0.16

3. Mobile APP application: Download and log in to the China Construction Bank mobile APP, click "Credit Card" - "I want to apply for a card" - "Credit Card Application" and follow the page operations.

Brand model: iPhone13

System version: iOS15.0

App version: 5.6.3.001

How to apply for CCB credit card online Let’s stop talking about the introduction here.