Credit card applications don't happen overnight. After the application is submitted, it needs to go through the processes of review, card release and business card printing, and it takes time to wait. However, there are also many friends who want to take off their cards early. So, what can we do? Let's analyze it today.
Friends who have handled credit cards know that it takes one to two months to get it done. During this period, it takes time from the bank account manager to the branch card center, to the transfer credit card center for approval, to the card center for production, and then to mail it to you.
So if the card meets the requirements of the bank, the rest is to wait patiently. It is basically impossible for a friend who wants to apply for a card within seven days.
Of course, quick card release is not impossible, mainly referring to the following points:
1. Do you have any credit cards from other banks for more than three months? If yes, what is the quota? It can be seen in the information sharing system of the bank, so the credit limit of this card will be higher than that of other banks for more than half a year ~ the purpose is to improve the utilization rate of the card, because people generally like to use high credit limit.
2. Credit cards issued by other banks within three months from the date of issuance to the date of application will not be considered.
3. If there is no credit card before, the quota will not be too high, about 6000 ~ Puka.
4. If you don't have a credit card, but your work unit is Class A, that is, government agencies, institutions and civil servants, the amount can be more than 10,000, and it is a gold card.
5. If you are not a class A company, but you can provide proof of property, such as cars and real estate, and the same amount is more than 10,000, it is a gold card.
6. If you are not a class A company, but you have other credit cards with a bank line exceeding 1000 yuan, and you have used them normally for more than half a year, and there is no overdue phenomenon, you can also apply for a gold card.
7. If you don't have a credit card, but have a formal job, you can apply for a non-A unit, and the amount is generally below 10,000.
How to get a credit card quickly?
How to apply for a credit card quickly: First, 7 days is definitely not possible, and the fastest is 15 days, 1. It will be much easier to have a credit card from other banks for more than three months, which can be seen in the bank's information sharing system, so the credit limit of this card will be higher than that of other banks for more than half a year. The purpose is to improve the utilization rate of cards, because people generally like to use high-value cards. 2. If the credit cards of other banks lend money within three months from the date of your application, they will not be considered. 3. If there is no credit card before, the limit will not be too high, about 6000 ~ Puka. 4. If you don't have a credit card, but your work unit is Class A, that is, government agencies, institutions and civil servants, the limit can be more than 10,000, and it is a gold card. 5. If you are not a class unit, you can provide proof of property, such as a car. Gold card ~6. If you are not a class A company, but you have a credit card with a credit line of more than 1000 yuan from other banks, and you have used it normally for more than half a year, and there is no overdue phenomenon, you can also apply for a gold card. 7. If you don't have a credit card, but you have a formal job and are not a class A company, you can apply, and the credit line is generally within 10000 yuan.
Excuse me, how soon can I get a credit card?
The credit card needs 10 days at the earliest, and the time is related to the information provided by the applicant. The more complete the information, the shorter the review time and the faster the card issuance time. On the contrary, the more imperfect the information, the longer the review time, and the possibility of rejection.
Everbright bank advertisement
Annual fee-free platinum card is high!
It takes 65,438+00 days to complete a credit card at the earliest. The process for banks to apply for credit cards is: review-face-to-face-to-face-to-face-to-face-to-face-to-handle cards-mail credit cards. The mailing process is affected by many uncertain factors, so there may be a time delay.
For more information about getting a credit card in the next few days, please visit: See More.
Which banks are easy to handle credit cards?
1. Bank of Communications: Bank of Communications has a very low threshold for card release and a very fast card release speed. The disadvantage is that the amount is relatively low, but it is more suitable as a novice entry card. Pure white households without credit information can consider it.
2. China Everbright Bank: If you already have a credit card of China Everbright Bank, you can apply for a credit card with the card, so the chances of getting a card are higher. The line of China Everbright Bank is about 1, 20000.
3. Guangfa Bank and China Merchants Bank: These two banks are not as good as the first two, but relatively speaking, the threshold for getting off the card is not very high. Moreover, China Merchants Bank raises the amount quickly, so don't worry too much about the low initial amount. Guangfa Bank has many activities and super rich rights and interests.
4. Ping An Bank and China CITIC Bank: It is not easy for these two banks to apply. If you already have a credit card with a limit of about 45,000, you can apply at this time, so the chances of getting rid of the card will be higher. The bank will decide the amount according to the maximum amount of the cardholder's existing credit card.
5. Shanghai Pudong Development Bank: Shanghai Pudong Development Bank will also decide according to the maximum amount of credit cards held by cardholders, but Shanghai Pudong Development Bank only pays attention to the frequency of cardholders' use of cards and pays little attention to the debt ratio, which is suitable for applications with high debt ratio. Generally, applications for other banks with high debt ratios are highly likely to be rejected. Moreover, the universal fund of Shanghai Pudong Development Bank is also very powerful.
Six, four big banks: If you don't have certain financial strength, don't consider applying for credit cards from four big banks. The four major banks have high application thresholds and high requirements for hard conditions. However, after all, it is the four major banks, and there will definitely be no shortage of activities and benefits.
The five most valuable credit cards are China Merchants Bank young Card, Shanghai Pudong Development Bank AE White Card, Guangfa Shang Zhen Platinum Card, Ping An Bank Owner Card and Bank of Communications Wal-Mart Co-branded Card.
Answer: With more and more types and styles of credit cards, we have more and more choices, but many novice card friends don't know how to choose a credit card that suits them. Some friends look at the face value, while others only care about the amount and rights. So which banks' credit cards are worth handling? Bian Xiao has collected five credit cards worth issuing from different banks. Whether you are a beginner or a senior card friend who pursues rights and interests, these five credit cards can almost satisfy everyone.
I. China Merchants Bank Youth Card
Yes, this online celebrity card called Xiaobaixin Credit Card is an ordinary card, but it is very worthy of your support. The qualification requirements are not high, and it is very easy to apply for a card, but this card is only for people under the age of 30, so if you don't have a credit card partner, it is very good to choose this card as the first one. Similar to this card are youthpower of Bank of Communications and Pufa Youth. youthpower's application age has been raised to below 35 years old. However, only this card can withdraw cash at a quota of 65,438+000%, free of charge for the first time every month, and there are benefits such as card opening gifts. It's easy to raise, and it will take about 1 year for the quota to reach 50,000.
Second, Shanghai Pudong Development Bank AE Xiaobai
Yes, this is one of the legendary four magic cards. The name is American Express Platinum Credit Card. If I hold this card, I think I can send a circle of friends, haha. For the first time, I enjoy the unconditional annual fee-free discount in the first year, in addition to the unlimited VIP room rights throughout the year, 6 people can accompany me, 4 domestic free airport shuttle services, and 50,000 credit card points for one-night accommodation experience in five-star hotels at home and abroad! Very tall and worth raising.
However, this kind of credit card has a high threshold for getting off the card and requires the applicant to have certain qualifications. However, if you apply again with another bank's platinum card, the probability of card withdrawal will be greatly improved. Moreover, the platinum card of Shanghai Pudong Development Bank has also been issued recently, and those who were rejected before can also try it.
Three. Guangfa Shang Zhen Platinum Card
The main interest of this card is also in travel, whether it is air or railway. At the same time, this card has 3 times points and can be redeemed for mileage, so if you want to keep a Guangfa credit card, this card can also be considered. Most importantly, this is a platinum card with no annual fee and no mileage fee. Is it awesome?
4. Ping An Bank Owner Card
Almost all car owners will consider getting a car owner card because there are many targeted benefits and concessions. Many car owners will get a Ping 'an card, with a daily fuel fee of 88% discount, as well as personnel accident insurance of 165438+ 10,000 yuan and national free road rescue, which has no resistance to drivers. This card is divided into gold card and silver card. If the qualification is average, you can consider a gold card, but refueling is discounted, and it doesn't matter which one you do.
5. Bank of Communications Wal-Mart Co-branded Card
If it is in daily life, the rights and interests of this card are very good, because this card is almost specially designed for us to visit supermarkets, and it is not difficult to apply, and many people can apply easily. Because it is jointly launched with Wal-Mart, Wal-Mart consumption also has many value-added rights. For example, every Saturday to Thursday, you can enjoy a 2.5% credit card discount when you spend at Wal-Mart. This card is free of annual fee in the first year, and the annual fee is free in the following year after swiping the card for 6 times in the current year. It is also easy to maintain. Just go to Wal-Mart several times on weekends.
These are the five most valuable credit cards compiled by Bian Xiao for you, and they are also the most widely used credit card types.
An easy credit card. These cards are planted quickly.
Although the popularity of credit cards is already very high, many card friends will still be rejected by their long card processing cycle and high card processing threshold, and often choose from a large number of card types. This is because under normal circumstances, after your information is collected by branches or sub-branches, it will be reported step by step, and it will not be approved for you until it enters the bank's credit card center. Today, I specially counted several credit cards that are easy to take off, so that everyone is no longer troubled by cumbersome procedures.
1, Guangfa Bank True Love Card. It can be said that it is almost unimpeded for female cardholders to apply for Guangfa True Love Card. As long as the cardholder can provide stable income proof and personal information, then this card will not shut you out.
2. CITIC Bank Taobao Card. China CITIC Bank Taobao Card is a very useful credit card. By binding Taobao account, users can greatly improve the efficiency of issuing credit information to customers and the success rate of card approval.
3. China Merchants Bank Youth Card. As long as a copy of the cardholder's bachelor degree or above is submitted at the time of application, the user can get the credit card quickly;
4. CCB E Long has a long card. It is suggested that card friends prove that they often travel or travel in the application materials, then the card-issuing bank will definitely think that you are their prospective customer and will not embarrass everyone;
5. China Everbright Bank Fuka Branch. If you have spent money in installments, or have a credit card from another bank, you can provide a copy of your credit card and repayment records when applying for a credit card from China Everbright Bank. .
This concludes the introduction of Express Credit Card and Express Credit Card Bank. I wonder if you have found the information you need?