Take building behavior as an example. It's the first time to say credit card limit.
What is the credit card limit for the first time to run CCB?
It's easier to apply for a CCB credit card. The amount of the first application is determined according to the applicant's work and economic situation. The credit line ranges from 1 0,000 yuan to 50,000 yuan, and most people apply for a credit line of 5,000 yuan to 1 0,000 yuan.
What conditions do I need to meet when applying for CCB credit card for the first time?
1, age 18, with full capacity for civil conduct;
2. No bad credit record;
3. Proof of stable income.
What information do I need to prepare for the first application of CCB credit card?
1, the original ID card, its front and back copies, or military officer's card, etc. ;
2. Proof of work and income;
3. Other financial proof, including but not limited to real estate license, copy of automobile driving license, bank deposit, etc.
Generally speaking, the first credit card limit will not be too high, and it will be lower if you are a white household. However, due to the low staging rate of CCB, it is worthwhile to start with one first. Introduction,
, you can handle all kinds of credit cards quickly and safely.
What is the initial credit line of CCB?
For users who apply for credit cards, the credit card quota is a concern. Generally, the credit card limit of users who apply for a credit card for the first time will not be too high, because the users who apply for a credit card for the first time have no credit history, and the bank will not give users too high a limit in order to avoid risks. So what is the initial credit limit of CCB credit card?
The credit card of China Construction Bank can be divided into three grades according to the card grade: ordinary card, gold card and platinum card. Different levels of credit cards have different credit limits. The credit limit of the general card of China Construction Bank ranges from 3,000 to 1 1,000 yuan. The credit limit of a gold card ranges from 1000 to 50,000 yuan, and the credit limit of a platinum card is usually above 50,000 yuan. It can be seen that the higher the level of the card, the higher the credit limit will be. Generally, most users who apply for CCB credit cards for the first time are ordinary cards, and all credit lines are between 3000 yuan and 1000 yuan. The credit card limit of CCB is determined according to the comprehensive evaluation of the applicant's financial certificate, repayment ability and credit record, and the actual credit line shall prevail.
What are the factors that affect the credit card limit?
To apply for a CCB credit card, different applicants will have different credit limits. The bank will comprehensively evaluate the applicant's work, income, credit and other aspects, and finally give the applicant a certain credit line according to the evaluation results. Here are some factors that affect the credit card limit:
Applicant's job. Under normal circumstances, the number of applicants for national civil servants, employees of public institutions, doctors, teachers, lawyers and other occupations will not be too low;
2. The income of the applicant. When applying for a credit card, you need to submit proof of income. The higher the general salary, the greater the possibility of obtaining a higher credit limit for credit cards.
3. The marital status of the applicant. Usually, married applicants are more stable and trusted by banks than singles.
4. Proof of financial resources: If the applicant can provide proof of financial resources, such as the house and vehicle under his own name, it can show that the applicant has a certain economic foundation and will get extra points when auditing the bank;
5. Educational background. Usually, the higher the education, the better;
6. Credit history. A good credit record is one of the necessary conditions for applying for a credit card, and personal credit record is also an important factor affecting the limit.
What is the initial credit card (debit card) limit of China Construction Bank?
The initial credit card (debit card) limit of China Construction Bank is generally between1000-50,000 yuan.
The credit cards (debit cards) of China Construction Bank are classified into ordinary cards, gold cards, platinum cards and diamond cards according to their grades. The credit limit of ordinary cards is between 30 million yuan-1 10,000 yuan, gold cards are between110,000-50,000 yuan, platinum cards are between 500,000 yuan and 200,000 yuan, and diamond cards are up to 5 million yuan.
The credit limit of CCB's credit card (debit card) is the credit limit given by the applicant through various evaluations, including: work, credit history, education level, asset status, etc. The better the evaluation project, the higher the credit card (debit card) quota.
So much for the introduction of initial credit line of CCB.