1. Everbright Bank
The credit card threshold of Everbright Bank is relatively low. In principle, you must be 18 to 65 years old, have good credit, have legal and stable income, and have an annual after-tax income of not less than 10%. It’s fine if it’s less than 30,000 yuan, which is not a problem for many office workers.
If you want to apply for a card with a high limit, you can apply for some well-approved cards, such as the Everbright Douyin co-branded card, which is positioned as a titanium card. The limit is between gold cards and platinum cards, with a maximum limit of 50,000 yuan, the general credit card approval limit is 20,000 to 30,000 yuan. If you seize the opportunity to relax, the qualifications are generally easier to get approved.
2. Ping An Bank
Ping An Bank has different qualification requirements for different customers. For example, those who have business dealings with Ping An Bank will be better off buying life insurance, car insurance, loans, etc. from Ping An The credit limit is higher than that of ordinary people. It depends on the card type and level applied for.
For those who own cars and buy car insurance from Ping An, the approval rate for applying for a Ping An car owner card is said to be over 70%, and the limit is rarely less than 30,000 yuan. The benefits are also quite good, with 12% off on gas at signature events, insurance, free roadside assistance and other services.
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Management Regulations
In April 2016, the People's Bank of China issued the "Notice of the People's Bank of China on Matters Concerning the Credit Card Business". In January 2017, Effective from the 1st.
The "Notice" requires the implementation of upper and lower limit management on credit card overdraft interest rates. The upper limit of overdraft interest rates is 5/10,000 daily interest rates, and the lower limit of overdraft interest rates is 0.7 times the daily interest rate of 5/10,000ths.
Mainly based on the following considerations: First, the implementation of step-by-step and gradual reforms will help card issuers further accumulate pricing data and experience during the transition period, and guide them to improve the credit card interest rate pricing mechanism.
Second, the credit card risk control and pricing capabilities of each card issuer are uneven. The upper and lower interest rate guidance will help prevent individual card issuers from blindly cutting prices and engaging in price wars, resulting in unfair competition and high-risk customers. Excessive borrowing will increase credit risks and cause partial chaos in the market.
Third, while the information disclosure mechanism needs to be strengthened, setting an upper limit on overdraft interest rates will help prevent individual card issuers from unreasonably charging excessive interest and protect the legitimate rights and interests of cardholders.
On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Dispute Cases", which clarified: The People's Court supports cardholders based on debit cards, The legal relationship of the credit card contract requires the card issuer to return the principal and interest of the deposit or overdraft, liquidated damages and compensation for losses caused by the fraudulent deduction; at the same time, it does not support the card issuer's request to the credit card holder to repay the principal, interest, liquidated damages, etc. of the overdraft.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the specified credit limit. The so-called credit card generally refers to a credit card only.
Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).
On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues in the Trial of Bank Card Civil Disputes".