Is it easy to control the risk of Zhengzhou Bank’s credit card?

Easy. Zhengzhou Bank will have a strict risk control system. Just because Zhengzhou Bank issues a credit card to you does not mean that you can let yourself go and repay the money on time.

Zhengzhou Bank Credit Card Approval Rate

This depends on your personal credit situation. Zhengzhou Bank credit cards are generally only available to cardholders in the Zhengzhou area.

1. The credit card issued by Zhengzhou Bank is Shangding Credit Card, which is a RMB single-currency credit card product with the UnionPay logo. It has standard series cards and Yuche cards. Among them, the standard series of cards are divided into five credit card levels: regular card, gold card, standard platinum card, luxury platinum card and diamond card; Yuche card is jointly issued by Zhengzhou Bank and Henan Jinzhou Industrial Development Co., Ltd. Spend now and pay later. financial products.

2. Regarding the limit of Shangding Credit Card, Zhengzhou Bank did not give a clear value. It only mentioned in its card application instructions that “it will be decided whether to issue a card and whether to apply for it based on the applicant’s credit status. Provide a specified form of guarantee or deposit a certain amount of deposit, determine the method and type of card collection, determine the applicant's credit limit" and "according to changes in the cardholder's card usage and credit status, the cardholder's credit The credit limit will be adjusted. "

3. Judging from the previous credit card limit approvals of major banks, the factors that affect the credit card limit of Zhengzhou Bank are as follows: Marital status: Under the same conditions, Married people will have a higher credit limit than unmarried people; education, technical titles and working status: civil servants, doctors, power systems and other industries will be more favored by banks, and their credit ratings will be improved based on the level and years of work. Economic ability and financial status: If you have a house and a car, can provide proof of income from the company, salary income flow, etc., the quota will be relatively high.

4. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the specified limit

What is the limit of Zhengzhou Bank's regular card?

1. The credit limit of Zhengzhou Bank depends on the effective income and asset guarantee value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income and statements of asset security. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.

2. Differences in the limit of Zhengzhou Bank’s credit card types:

3. Zhengzhou Bank’s credit card limit: 3,000-10,000;

4. Zhengzhou Bank’s credit card Gold card limit: 10,000-50,000;

5. Zhengzhou Bank Credit Card Platinum Card limit: more than 50,000.