Small credit card application 2000

If you apply for a China Merchants Bank credit card, you need a local China Merchants Bank, 18-60 years old, if you can provide ID card, work certificate and income certificate, you can try to apply , if applying for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The credit card verification status is subject to the final review result.

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. You will be notified to go to the branch to sign and confirm the application. The details will be subject to the notification from our bank after the preliminary review is passed.

How to apply for a small credit card?

Credit card is a very practical card type now, and everyone needs to use it more or less. Some people prefer a larger amount, while others prefer a smaller amount. This article will tell you how to apply for a small amount credit card.

First of all, small credit cards generally refer to credit cards with a limit of less than 5,000 yuan. So, how to apply for a small credit card?

Generally speaking, small credit cards are very simple to apply for since they cannot be used for loans and the amount is small. You only need to bring your ID card and other relevant documents to the local bank to apply. Generally, the application can be successfully completed easily. As for those who have not been successful, it is usually because there is a problem with their personal credit report, and there is nothing that can be done.

Relatively speaking, people with regular jobs, people with higher incomes, and people with higher savings can apply normally. The above is all the information on how to apply for a small amount credit card. I hope it will be helpful to you!

Small credit card application, meet these three conditions to easily apply for the card

When people apply for a personal loan through the bank. However, due to the large number of applicants, especially ordinary office workers, it is relatively difficult to apply for a bank. So how do office workers do it quickly?

1. Good personal record

When applying for an individual from a bank, personal credit is the first thing the bank examines. Even if you have a high income, it is not easy to apply if you have credit stains. It can be seen that you should pay attention to the use of credit cards and various loans, remember the repayment dates, and repay on time. Maintain a good personal credit record.

2. Apply an appropriate amount.

For office workers, the loan amount can be calculated. The personal credit loan limit applied for by the bank is between six and fifteen times the individual's pre-tax salary. Don’t apply blindly. If the amount is too large, banks will generally not approve it.

3. Provide mortgage or guarantee.

Home loans have always been favored by banks. Since banks bear less risk, office workers can provide real estate and car products as collateral when applying for personal loans, which can greatly increase the chance of loan approval. If there is no collateral to provide third-party guarantee, the probability of loan approval in this way is also very high. If the borrower fails to repay the loan on time, the guarantor shall bear the repayment liability.

Some people prepare a lot of information for loans and go to many financial institutions, only to find that they are not attractive at all and are rejected repeatedly! Why do some people like loans so much? Knowing this, you can easily get a loan as well.

Job Stability

Loans are often popular with those with stable jobs, as banks and other lending institutions have certain job stability requirements for borrowers.

Some institutions require borrowers to work continuously in the current company for more than 6 months, and some institutions require borrowers to work continuously in the current company for more than 12 months.

If your career and income are relatively stable, financial institutions have reason to believe that you have a strong ability to repay, and then they can confidently grant you a loan.

It is recommended to keep your job stable for a period of time, which is more conducive to loans.

Low debt ratio

For example, assuming your monthly salary is 10,000 yuan, and you need to pay off a mortgage of 3,000 yuan and a credit card of 2,000 yuan, then your debt ratio is 50 %. For financial institutions, the debt ratio of borrowers is directly related to their lending risks.

If the borrower's debt ratio is high, it means that the debt pressure is high, and financial institutions will naturally be unwilling to take the risk of giving you a loan.

So, what is a high debt ratio? In fact, there is no fixed standard for this. Generally, banks will require the applicant's debt ratio to not exceed 50%, and some conservative banks will even control the applicant's debt ratio to less than 30%.

Bonus points:

There are many large capital needs. If there is proof of social security and provident fund payment, then there will be a very unexpected amount of approval.

My personal credit is good.

As we all know, personal credit plays a very important role in loans, and financial institutions attach great importance to the credit record of borrowers. As a borrower, if you have a good credit record, it means that you have good repayment intentions, a low probability of default, and a guaranteed repayment ability, so the loan risk is low for you.

Therefore, compared with those borrowers who have overdue records or even "three or six times in a row", borrowers with better personal credit have a greater probability of passing loan applications and are more likely to obtain a higher loan. amount or lower interest rate.

Houses, cars, fixed assets

During the lending process, borrowers with fixed assets such as cars and houses are often more popular with financial institutions. From the perspective of financial institutions, if borrowers can provide proof of assets, it is tantamount to giving them a "reassurance". Even if there are objective factors that prevent the borrower from repaying the loan, there are still assets that can be liquidated.

Generally speaking, when applying for a mortgage loan, you must provide relevant supporting documents for real estate, cars and other assets to the financial institution; and if you apply for a mortgage loan, although you can obtain a loan limit based on your credit status, If you can provide relevant asset certificates to prove your financial resources, it will greatly increase the success rate of your loan application!

Understand and carefully complete the above conditions, and you will be one step closer to a successful loan.

I want to apply for a small credit card. What documents are needed for a credit card of less than 2,000 yuan?

The limit of China Merchants Bank credit card is 3,000 to 10,000 yuan, and the limit of gold card is 10,000 to 10,000 yuan. 50,000 yuan. The fixed limit for a customer's credit card application is comprehensively assessed based on the information submitted by the customer, and the final review result shall prevail. (Multiple credit cards under the same account*** enjoy the same limit)

The most important conditions for applying for our credit card are that you are between 18 and 60 years old (overseas residents are between 25 and 60 years old) and have certain financial capabilities. And have a good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit.

That’s it for the introduction to applying for a credit card with a small amount of 2,000 yuan.