What a batch.

Hangzhou credit card is relatively easy to approve. To apply for Hangzhou Bank Credit Card, you need to be at least 18 years old, have a stable job and income, have a stable repayment ability, have a good personal reputation and have no bad credit record before you can apply. Applicants should provide more income and property certificates, bank bills, company certificates and other supporting materials, so that the possibility of approval will be greatly improved. The credit cards of Hangzhou Bank include Puka, Gold Card and Platinum Card. The amount of general card is less than 1 1,000 yuan, the amount of gold card is generally between 1 1,000-50,000 yuan, and the amount of platinum card is more than 50,000 yuan. Generally, the specific quota will be determined according to the applicant's situation.

1. Credit card processing time

1. Online application: generally within 20 working days.

2. Website application: generally, the approval is completed within 5 working days, and new customers need to go to the bank outlets for face-to-face signing, and the approval is completed within 2 working days after face-to-face signing.

3. Mobile banking application: generally, the review is completed within 5 working days, and new customers need to go to the bank outlets for face-to-face signing, and the review is completed within 2 working days after face-to-face signing.

After the credit card application materials are submitted, they will first be submitted to the audit department of the credit card center of the issuing bank. The audit department will grade the applicant according to his personal situation. This process usually takes 65,438+00 working days. If approved, the issuing bank will make a card for the cardholder within two working days, and then send the credit card by registered mail or express delivery. It usually takes about 15 days for registered mail and about 5 days for express delivery.

However, for some cardholders who have applied for a credit card and submitted complete information, the bank's approval will be much faster. Usually the card will be issued in about 3 days. Therefore, how long the credit card can be completed depends on the applicant's personal situation and the approval speed of the issuing bank. Generally, the results will be available in a month or so.

2. Credit card processing conditions

Different banks have different requirements for credit card applications, some higher and some lower, but to sum up, they are nothing more than the following:

1, age18;

2. Hold a valid ID card;

3. No bad credit record.

4. Have a fixed work certificate;

5 proof of income stamped with the financial seal of the unit.

6. Other financial certificates, such as real estate, automobiles, stocks and bonds. ;

7. Social endowment insurance certificate;

8. Provide two contacts.

The first three conditions must be met. Try to provide 4-7 certificates. 18 years old or above, with valid identity documents and no bad credit history, can apply for a credit card. The more proof materials you provide, the greater the pass rate.

The credit card of Hangzhou Bank said that other banks were overdue.

Consequences of overdue credit card of Hangzhou Bank

1, resulting in penalty interest and late payment.

The issuing bank shall calculate the daily interest with the consumption amount as the principal from the date of consumption, with the daily interest rate of 0.5 ‰ and compound interest on a monthly basis; For the unpaid part of the minimum repayment amount, a late fee of 5% will be charged every month.

2. Bad credit records will be generated, which will affect loans and card processing.

The record of arrears will be fed back to the personal credit information system of the People's Bank of China, which will affect the cardholder's personal credit record and cause the cardholder to apply for housing mortgage loan infrequently.

3. Malicious overdue will be++by the bank.

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If the cardholder overdraws beyond the prescribed limit or fails to return it for more than 3 months after being collected twice by the issuing bank within the prescribed time limit, it can be considered as malicious overdraft, which constitutes the crime of credit card++.

What if the credit card of Hangzhou Bank is overdue?

1, repay the arrears in time and contact the bank actively.

If you find that it is overdue, you must repay it as soon as possible, especially in full. Then call the bank credit card center and declare that it is not malicious arrears. If the previous record has been good, the overdue time is short, and it is found that the repayment is good after the overdue, it is possible to avoid bad records.

2. Continue to use the credit card, and the bad credit record will be covered by the new credit card record.

Personal credit report shows the cardholder's overdue record within two years at most. Therefore, after overdue repayment, don't cancel the credit card immediately, but insist on using the card for more than two years, during which the credit is good and the bad records are removed from the credit information system.

China Industrial and Commercial Bank Hangzhou Credit Card Center

Name of card issuer in Hangzhou: Hangzhou Huansha Sub-branch, Address: No.316 Yan 'an Road, Hangzhou.

(Answer time: June 2, 2022 10. In case of business changes, please refer to the actual situation. )

Where is the credit card center of Hangzhou Industrial and Commercial Bank?

Card issuer in Hangzhou: Hangzhou Huansha Sub-branch, address: No.316 Yan 'an Road, Hangzhou.

(Answer time: 2021July 19. In case of business change, please refer to the actual situation. )

Inquiry method of credit card limit of Hangzhou Bank

There are several ways to check the credit card limit:

1, network query

Landing in Hangzhou Bank, official website and Personal Bank; Card friends can query relevant information at home immediately.

This method is very labor-saving and accurate, and card friends don't have to worry about information leakage. But it takes a long time and can only be operated on the premise of having a computer. Some cardholders who don't have a computer or can't use a computer can use other methods.

2. Telephone enquiry

Call Hangzhou Bank Credit Card Center at 400-8888-502, press 2 to enter the ID number, and then connect to customer service.

3. Bill inquiry

In addition to online inquiry and telephone inquiry, users can also inquire about the credit card limit information in the paper bill sent by the bank every month. Cardholders can also know the credit card usage limit and remaining limit by recording the limit in the bill.

4. WeChat query

Log in to WeChat and add WeChat official account of Hangzhou Bank; Select my account balance; You can inquire after binding the credit card. It can save a lot of unnecessary time, but the information is easily leaked.

If you learn the above method, you can try it quickly and try to figure out what your quota is.

For more information about how to check the credit card limit of Hangzhou Bank, please visit: See More.

This is the last of the introduction and outsourcing of Hangzhou Bank Credit Card Center. I wonder if you found the information you need from it?