Can I apply for a credit card if recommended by GF’s high-quality customers?
Credit card application conditions:
1. Aged between 18 and 60 years old, with full capacity for civil conduct ;
2. Have a good credit record;
3. Have a job income and the ability to repay.
Application materials:
1. Identity proof information: photocopy of resident ID card or military officer ID card;
2. Work and income proof information;
3. Other proof of financial resources: such as a photocopy of the real estate certificate, a photocopy of the vehicle driving license, a photocopy of the deposit receipt, etc. Reasons for recommending ICBC Platinum Credit Card to high-quality customers
For specific details, you can call customer service, and they will have the most official and authoritative answer.
To apply for a card or withdraw cash, you can contact me. Asking for a platinum premium customer recommendation code for Shanghai Pudong Development Bank credit card
1. If it is a standard platinum card. You need to be invited by the bank. Customer testimonials are useless. 2. Or Xiao Platinum from Shanghai Pudong Development Bank. You can apply without recommendation. Which professions are good credit card customers
Civil servants
Doctors
Teachers
State-owned enterprise leaders
Foreign capital leaders
White, gold chin
Lawyer
How long does it take to increase the credit limit of Agricultural Bank of China credit card premium customers
The credit card limit is low and cannot meet the usage needs. This problem has become a focus issue that troubles many cardholders. Therefore, quickly increasing the credit card limit has become a top priority for cardholders. In this issue, Rong360 introduces you some tips to quickly increase your quota.
Know clearly how banks adjust their limit
Temporary credit card limit adjustment---after the cardholder successfully applies for a credit card for the first time, the cardholder applies for a temporary limit increase for the first time. Most banks require a temporary limit adjustment. If the card is 3 months old, just call the customer service of the credit card center to apply. Generally, the temporary limit is valid for 30-90 days.
Credit card permanent limit adjustment cardholders apply for a permanent limit increase for the first time after successfully applying for a credit card. Most banks require that the card must be opened for 6 months. You can just call the customer service of the credit card center to apply. The bank will Based on personal credit card usage, decide whether to agree to permanently increase the limit and give the limit increase range.
Time point for banks to proactively adjust credit limit
Due to the increasingly fierce competition in the domestic credit card market, most banks have entered the era of intensive farming from horse racing operations. Banks take the initiative to provide credit card holders with normal use Increasing the quota has become a strategy. Usually, banks will take the initiative to increase credit card limits for cardholders before peak consumption periods such as New Year's Day, Spring Festival, May Day, and National Day. In addition, if your card's monthly consumption limit often reaches 60%-100% of the usage limit, the bank will generally take the initiative to increase the limit for you based on usage.
Tips on how to quickly increase your credit limit when using your credit card daily
1. Swipe your card frequently
In daily life, it is best to develop the habit of swiping your card whenever you can. On the one hand, you can use the bank's interest-free period for free, adding a little extra financial income for yourself. On the other hand, you have also become an active user of the bank. Usually, banks will have quota rewards for active users of the bank.
2. High consumption amount
Banks usually define these cardholders as high-quality customers who make large purchases from time to time and can repay them normally later. If there is a larger demand for the amount, the amount will be increased as appropriate.
3. Continuous and stable consumption for a long time
Banks generally have a credit card increase strategy for credit cards that have been cardholders for more than one year and have transactions every bill month. This group of customers usually take the initiative to increase their limit. If the customer takes the initiative to apply for a permanent limit increase, the bank will have a higher chance of approval.
4. Frequent cash withdrawals and frequent credit card installments
Cardholders who frequently withdraw cash from credit cards have a very high risk factor for banks, but at the same time, the risk of cash withdrawals is very high. Cardholders are also the ones who contribute the most to the bank; installment users have relatively low risks, but their contribution is not low.
Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawals and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.
5. Threat of card cancellation
In the era of credit card competition, if customer service staff receive a card cancellation application, they will often beg in every possible way, ask for the reasons, and then provide limit increases, gifts, etc. Encourage, but currently, for some state-owned banks or joint-stock banks with large card issuance scale, applying for a credit limit increase through the threat of card cancellation has gradually become outdated, and the success rate is very low.
Finally, I would like to remind cardholders of Rong360 that a high-limit credit card does not mean everything. As long as it can meet personal consumption needs, it is enough to use the card normally. Cardholders should develop A good card usage habit is to use the card according to your personal consumption capacity and do not use the card uncontrollably. Can I be considered a quality customer of China Merchants Bank if I have no credit card record?
This may be just one of the conditions.
To become a high-quality customer of China Merchants Bank, you also need to have purchased a certain amount of financial products from China Merchants Bank. If you apply for a CCB credit card within a few days, you will be considered a high-quality customer. Apply for 2016120
Different application methods require different audit processing times, as follows:
1. Branch application: Estimated application process Time
a, magnetic stripe card, within 20 working days under normal circumstances
b. IC card, within 25 working days under normal circumstances
2. Website Estimated application process time
a. For customers who already have a CCB credit card or use CCB Online Banking Shield to apply for a card, the audit will be completed within 5 working days under normal circumstances.
s, for customers without CCB credit cards, the customer's reserved mobile phone will receive an interview SMS, and the audit will be completed in about 2 working days after a successful interview.
3. Estimated application process time for mobile banking application
a. For existing CCB credit card customers, the audit will be completed within 5 working days under normal circumstances.
b. For customers who do not have a CCB credit card, the customer’s reserved mobile phone will receive an interview SMS, and the audit will be completed in about 2 working days after a successful interview.
4. Card sending time: within 3 working days after passing the audit. How can I become a high-quality customer of China Merchants Credit Card?
If it is a China Merchants Bank credit card, the maximum limit is:
The limit for the regular card is 3,000 to 10,000 yuan;
The limit for the gold card is 10,000 to 50,000 yuan;
The Platinum Credit Card limit is generally a fixed limit of 50,000 yuan + a temporary limit that is actively adjusted for you every month;
The unlimited credit card limit is subject to the approval result.
The most important conditions for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The credit card application result shall be subject to our bank's actual audit. The necessary application files are a copy of your identity certificate and employment certificate. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in a China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following four ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate file; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that credit card verification will be subject to the final audit result. How much credit card can a high-quality customer of CCB have?
CCB will make a comprehensive judgment based on each applicant’s credit status and will consider your original consumption and repayment status of CCB credit card (if you are already using CCB credit card) ), and also refer to your monthly personal tax payment, provident fund, social security, credit record, etc., and combine it with your personal information to finally determine whether you meet the conditions for applying for this card and the maximum approved limit that can be given to you.
Of course, if you keep a good card usage record after receiving the card, there will be opportunities for improvement.
I am a high-quality customer of the Agricultural Bank of China. Can I apply for a credit card without a car, a house, or a job?
1. Then you apply for an Agricultural Bank of China credit card. Apply directly to the bank where your money is deposited. 2. But you can affiliate with a company. For example, which company does your friend work for? You can fill in the address and phone number of his company. It’s just proof of your work in starting a company. Then that's it. If you mail a credit card, you also need to fill it out and that company will do it. It's time to get stuck. Ask your friend to sign for it. That's it.