Does having a pre-approval limit on a credit card mean that you can definitely apply for the card?

Construction Bank is probably the most popular bank for speculating on credit card pre-approval limits. Which banks have a pre-approval limit function? There are also Ping An Bank and Industrial and Commercial Bank of China. The viewing methods are all in the app.

Just log in to the official app. If you don’t have a credit card, you can find it in the credit card menu. So the question is, can I definitely apply for a card if I have a pre-approval limit?

The answer is no. This is like some of the current online loans, which have quotas, but cannot be taken out, and the overall score does not meet the requirements. The same is true for the pre-approval quota. Having a quota does not mean that you can apply 100%. It doesn't mean that after applying, he has this amount.

Then the pre-approval quota is useless? Of course not. There is a pre-approval limit, which will definitely help you get the card relatively speaking. Just when applying for a credit card. Further approval is required. We need to examine our personal qualifications, credit situation, etc.

So if you want to increase your card purchase rate, you can first raise a pre-approval limit. Just take China Construction Bank as an example. If you want to increase or raise the pre-approval quota, you just have to do it directly. Get some money to support yourself, maintain running water, buy financial management, stick to it, and the probability of success is generally very high.

Of course, during this process, we also need to clarify our personal credit information. Does your profile need optimization? For example, income, workplace, address, etc. The second step is to determine all these basic things. Then change all other places on the network that use this information to be consistent. For example, Alipay, WeChat, and the delivery address of shopping, etc.

Also, if your debt is relatively high, you can reduce your debt ratio by paying off part of your credit card in advance before the bill is paid.

If all the details are done well, these can improve our card removal rate.

In any case, applying for a card ultimately depends on our personal qualifications, and this aspect cannot be ignored. As for other card types, the latest card types, including making various other preparations, are all to increase the card removal rate.

What does it mean to be pre-approved for Everbright Bank credit card?

Credit card approval is the process of reviewing the credit card, indicating that the preliminary review has been passed. All you need to do is prepare your ID card and work certification documents as required. If the credit card processing status is approved, it means that the card can be issued.

Extended information:

1. China Everbright Bank (CHINAEVERBRIGHTBANK) was established in August 1992. It is a national joint-stock commercial bank approved by the State Council and approved by the People's Bank of China. Headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.

2. As of December 31, 2017, China Everbright Bank has established 1,196 branches in the country, achieving full coverage of the domestic provincial administrative regional service network, with institutional outlets radiating to 129 economic center cities across the country. . Accelerating its international layout, the Hong Kong Branch, Seoul Branch, China Everbright International, China Everbright Europe and Luxembourg branches have been opened and operated one after another. The Sydney branch has applied for the establishment, and its social responsibility has become increasingly evident. It has continued to support the "Mother's Water Cellar" charity activity for many years, which has created a significant impact in society. Great influence; in the "Ranking of the World's 1,000 Largest Banks" released by the British "Banker" magazine in 2017, China Everbright Bank ranked 49th; in the "Ranking of the World's 1,000 Largest Banks" released by the British "Banker" magazine in 2018 Ranked 39th in the "Bank Rankings", an increase of 10 places from last year.

Required conditions for applying for Everbright Bank credit card

Conditions:

1. The principal credit card applicant should be between 18 years old (inclusive) and 60 years old ( Including), Chinese citizens with full capacity for civil conduct; applicants for supplementary cards must be at least 12 years old;

2. Applicants should have a legitimate occupation and stable income;

3 , Applicants should submit true and complete application materials in accordance with the requirements of China Everbright Bank. In addition to the above-mentioned official prerequisites, the following factors will also have an impact:

1. Work situation

The factors that have the greatest impact on the application results of China Everbright Bank Credit Card Gold Card It's your job. Not only work income, but the nature of work and position also account for a large part. The banks are most optimistic about civil servants, followed by employees of some public institutions, followed by large enterprises, foreign-funded companies, etc.; small companies generally do not have special bonus points. In addition, the higher the job position, the higher the income, the stronger the repayment ability, and the higher the quality.

2. Marital status

In Everbright Bank’s simulated review system, if other conditions remain unchanged, married people can get a whole level of credit improvement compared to unmarried people. The reason is that people with families are more stable.

3. Housing situation

This is a very important situation. If the credit card applicant owns a personal house, it proves that he has a certain financial foundation. In this case, The bank is very willing to let him become a credit card user and is very willing to increase his limit.

4. Educational status: The credit ratings of high school education and undergraduate education will not change, but the rating of graduates and above will be higher.

How to check the credit card pre-approval limit? (ICBC, Ping An, and Agricultural Bank of China)

When applying for a credit card, you generally don’t know the credit limit. Sometimes the credit limit is too low and you don’t want to use it, which results in an extra credit card record. So the bank has a credit card pre-approval limit function, which can roughly estimate your credit card limit based on your relevant information before you apply for a card. However, there are not many banks with this function, and the names are also different. How to check the credit card pre-approval limit? Here we will introduce to you the inquiry methods of ICBC, Agricultural Bank of China and Ping An.

1. Industrial and Commercial Bank of China

1. Download the ICBC APP on your mobile phone, install it and open it.

2. If you have an ICBC savings card and have opened mobile banking, log in to your savings account directly.

3. After logging in to the homepage, click "Favorites" in the lower left corner, and then click "Credit Card".

4. Click "Apply for Card", and the displayed limit is your pre-approval limit, which is generally called the introduction limit.

2. Ping An Bank

1. Download the "Ping An Pocket Bank" APP, register and log in, and you need to bind a savings card.

2. Click "My" at the bottom and find "New account instant test limit" in the drop-down menu.

3. Click in and the limit displayed is your credit card pre-approval limit. Generally, it is the minimum amount, and the amount for placing a card will be higher.

3. Agricultural Bank of China

1. Open the Agricultural Bank of China web banking, register and log in.

2. Select the old version in the upper left corner of the page.

3. If there is an introduction limit where the credit card is introduced, the words "Preferred customers will receive gifts, limit first (about RMB), one-click application" will appear in the lower left corner.

4. If you can’t see it, there is no credit card pre-approval limit

Here we introduce the credit card pre-approval limit query methods of ICBC, Agricultural Bank of China and Ping An. I hope it can help you. The pre-approval amount is not equal to the card placement amount and is for reference only.

Four banks where credit cards can be pre-approved

As of today, there are four banks where the credit card limit can be known in advance before processing, which is called the pre-approval limit and reference limit.

The following will explain the credit card pre-approval procedures of these four banks.

1. Industrial and Commercial Bank of China

1. Download the mobile app ICBC on your mobile phone

2. Open the ICBC mobile APP

3. If you have an ICBC savings card and have opened mobile banking, log in directly to your savings account

4. Click on favorites in the lower left corner, then click on credit card

5. Click on apply for a card

6. The reference amount is your pre-approval amount.

2. China Construction Bank

1. Open the China Construction Bank mobile APP and log in

2. Click on the credit card menu at the bottom and scroll down to find credit card management

p>

3. Swipe to the right and you will see the pre-approval limit

4. Click on the pre-approval limit, and the limit will be directly displayed

Though there is no credit card limit for card users, pre-approval limit, but there is an opportunity to have a loan limit (quick loan, special installment loan limit)

3. Ping An Bank

Download the Ping An Pocket Bank mobile APP, register and log in, and bind Decide on a savings card that has been used for a long time and is the most active (if you have a Ping An savings card, bind it to Ping An).

Click "My" at the bottom, scroll down to find the new account instant test quota, click on it directly when you find it, and the quota will be displayed directly.

This limit is the minimum limit for you to apply for a Ping An credit card later. Generally, the card limit will be higher than the pre-approval limit. It depends on your application details.

If you have a Ping An credit card, there is no instant test limit for new accounts.

4. Agricultural Bank of China reference limit

Find the credit card limit adjustment in Agricultural Bank of China’s online banking, and you can see the reference limit. As long as the reference limit is higher than your fixed limit, you can adjust it. But it is not 100% successful, there are also failures. If that fails, choose Curve Card to increase your credit limit.

When there is a temporary quota. You can also change cards in a curve, which can achieve the effect of temporary conversion to fixed.

If you don’t have an Agricultural Bank of China credit card, you can first go to the Agricultural Bank of China to open a savings card, and then open mobile banking and online banking K Bao, and then use K Bao for a period of time. The card withdrawal rate is very high. This is basically the method used by intermediaries to apply for Agricultural Bank of China cards.

Can I apply for a credit card with a pre-approved limit? Effective card application strategy

Many cardholders don’t know much about the credit card pre-approval limit. They think that once the limit is exceeded, they can apply for the card. However, they are severely slapped in the face by the reality. It is not that the card application is rejected. , that is, there is a discrepancy between the card approval limit and the pre-approval limit. So, what is the use of this pre-approval amount? How can I remove the card? Let me introduce it to you below.

Before getting into the topic, let’s first understand what the pre-approval limit is

The pre-approval limit generally refers to the fact that you have a certain bank account but do not apply for its credit card. An estimated credit card limit can be queried through mobile banking, WeChat official account, online banking, etc. This limit is evaluated based on your general situation.

However, not all banks have pre-approval quotas. The known banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Ping An Bank and China Construction Bank. Among them, China Construction Bank has more pre-approval quotas. In addition to credit cards, there are pre-approval quotas for car purchase installments, installment plans, and Anju Finance.

So, can I apply for a credit card if it has a pre-approval limit?

The answer is no. Just because a credit card has a pre-approval limit does not mean that you can 100% apply for the card, nor does it mean that the credit limit is the same as the pre-approval limit. In the end, the bank's approval result will prevail.

However, this does not mean that the pre-approval limit is useless. Relatively speaking, if you can raise the pre-approval limit, it will still be helpful to get a card. If nothing else, more or less It can still improve the approval rate. If you add some card application skills, it will be relatively easy to approve the card.

By the way, let’s talk about how to apply for a card easily with an approval limit:

1. Before applying for a card, check your credit report to see if there is any bad credit caused by overdue credit. No. It is better to be overdue. Of course, if you are overdue once or twice and the overdue time is not long, it is best to pay back the money you owe before applying for a card. If the overdue situation is serious, don’t try.

2. Use whatever method you use to check the pre-approval limit to apply for the card. For example, if you check the pre-approval limit through the CCB WeChat official account, you can apply for the card on the CCB official account.

3. In terms of card selection, it is best to apply for the card types introduced by the system, or apply for some waterproof card types, card types, etc., such as those supermarket co-branded cards, video credit cards, etc., generally Approval is relatively relaxed.

4. Don’t forget to optimize the packaging of personal information when applying for a card online. In addition to basic information such as income, work unit, address, etc., it is also best to change relevant information on Alipay, WeChat, Meituan and other networks to consistent.

To sum up, a credit card has a pre-approval limit and indicates that it can be used 100 times. Even if the credit limit may be different from the pre-approved limit, the bank's approval result will ultimately be the main factor. Banks' approval of credit cards mainly depends on personal credit status, so under what circumstances, when applying for a card, you must optimize and package yourself according to your personal situation. This is the key to whether you can apply for the card.

This is the end of the introduction about pre-approved credit cards and what pre-approved credit cards are. Did you find the information you need?