Is it easy to apply for a Bank of Communications credit card?

It is easier to apply for a Bank of Communications credit card. However, to apply for the Bank of Communications credit card, the following conditions must be met:

1. The applicant must be at least 18 years old;

second, you need a valid ID card to apply for a credit card;

3. The applicant's credit card is in good condition and has no bad credit record;

Fourth, the work is stable, and the work certificate and income certificate are provided in the financial chapter of the unit;

5. If you have the conditions, you can also provide other financial certificates, such as bank deposits, real estate, automobiles, stocks and bonds.

1. Provisions of Bank of Communications on the overdue time of credit cards

1. The time-sensitive service of credit cards can be overdue for 3 days

After the credit card is repaid, the cardholder can enjoy the time-sensitive service of repayment for 3 days. As long as the cardholder returns the minimum repayment amount before : pm on the third day after the due repayment date, it is not overdue. In other words, as long as the credit card is overdue within 3 days after the repayment date, it is safe. If the credit card is overdue for more than 3 days, it is necessary to report the credit, which will affect the personal credit record.

2. Report the overdue records of credit cards once a month

The bank will regularly report the credit card records to the People's Bank of China every month, thus forming the credit record of the cardholder. At present, the frequency of submitting personal credit data by banks is once a month. Therefore, if the credit card is overdue and exceeds the buffer time of 3 days, you should call the bank in time to try to solve it through consultation before the bank submits personal credit records.

II. Introduction to Credit Card Credit Information

The People's Bank of China has established a unified credit information database in conjunction with various commercial banks, and the credit information of credit card holders has been recorded in the database and become a part of your credit record.

if a cardholder wants to know his/her credit status, he/she can bring his/her valid ID card and go to the credit reporting department of the local People's Bank of China to inquire about his/her personal credit report (no inquiry can be made on his/her behalf or by telephone). For more credit information, please visit the website of China People's Bank.

according to the regulations of the people's bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. The bank will not make any bad comments on your usage records, but only truthfully feedback your historical usage records without any subjective judgment.

If the credit card holder is going to handle new credit business, the lending bank will refer to your credit record comprehensively, not only for a certain period of time, but also for a good record of consumption and repayment, which will continuously increase your credit.

to sum up, the Bank of Communications will report the credit card three days after it is overdue, and the cardholder should pay attention to repayment on time.

Is the Bank of Communications credit card successful?

As we all know, individuals who have reached the age of 18-65, have full capacity for civil conduct, have a legitimate and stable source of income, and have good credit standing can apply for credit cards. However, in the end, whether the card can be approved smoothly depends on the number of people. From many card gods, it is easier for these five types of people to apply for credit cards.

when approving credit cards, banks will score according to the qualifications of applicants. The higher the score, the easier it is to approve cards. Applicants who generally meet the following characteristics will not get much lower scores.

1. Have a steady income

In other words, a stable job. Whether the job is stable and whether there is income can reflect whether the applicant has the repayment ability from the side. However, each bank has different views on this income stability.

For example, the four major state-owned banks, for them, the objects of stable jobs are generally employees of public institutions or state-owned enterprises, or employees of top 5 enterprises. Such people's jobs are quite stable, and their income is higher than that of ordinary people, so their repayment ability cannot be underestimated.

However, for joint-stock commercial banks, as long as they have jobs and income and work for more than three months, they are stable. For the applicant's work unit, they are generally not picky, as long as they are not engaged in high-risk occupations, it is relatively easy to get off the card.

Second, people with large rated deposits in banks

People with more than 5, large rated deposits in banks are generally high-quality customers of banks. In the eyes of banks, such people have deposits, so they don't have to worry about their repayment ability. In addition to applying for a credit card on their own initiative, such people will be invited by the bank to apply for a card.

So, if you want to apply for a credit card from a bank, it is also a common practice to open an account in that bank to save money to buy wealth management products.

Third, college students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 21, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank approved cards for college students.

So, if you are a college student, it is generally better to apply for credit cards from these two banks.

Fourth, there is a mortgage in the bank

If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1,. If you want to run a credit card of four major state-owned banks, you can try this method.

Some cardholders reported that they applied for a CCB credit card online and got a gold card with a quota of 1, yuan.

Of course, it is not always possible to apply for a credit card in these four situations. This is only a common situation.

If you want to apply for a credit card soon, the second of the three situations is the most likely to meet the requirements. As for how much deposit each bank needs, it is recommended to be more than 5,. After all, deposit banks with less than 5, are ignored.

is the bank of communications credit card easy to handle?

It's easy to handle. The Bank of Communications credit card is a kind of bank card. In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank.

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual. After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder in the issuing bank for shopping, consumption and settlement after cash withdrawal.

note: for non-cash transactions (cash advance or transfer), the date from the bank bookkeeping date to the due repayment date is the interest-free repayment period. The shortest interest-free repayment period is 25 days and the longest is 56 days. During this period, you don't have to pay the interest on any non-cash transaction, provided that you fully pay off the current payable amount (the total amount owed) on the current statement (you don't enjoy the interest-free discount for cash advance).

Extended information:

Other introductions of Bank of Communications Credit Card:

Bank of Communications Credit Card adopts revolving credit interest calculation method. Users can decide how much to repay each month before the due date of the current credit card bill according to their own financial situation.

when the repayment amount of the user is equal to or higher than the minimum repayment amount of the current bill, but lower than the repayment amount of the current period, the remaining deferred repayment amount is the revolving credit balance. Bank of Communications credit card revolving credit is a very convenient loan tool, which not only allows users to enjoy the convenience of swiping their cards, but also is a good choice for users to manage their finances easily. If users choose to use revolving credit, they can't enjoy the interest-free repayment period in the current period.