What does it mean if the credit limit of CCB student credit card is 1 yuan?

The credit limit of CCB student credit card is 1 yuan. This situation is usually because you do not meet the credit card issuance conditions. , and you did not fill in the second repayer, but the card type you applied for is a special student card, which has special rights, so even if you do not meet the conditions, the bank still approved the application. But a credit card must have a limit, so I only give you a limit of one yuan.

According to regulations, when college students apply for a credit card, they are generally required to identify a second repayer, who is usually their guardian or relative. There will be relevant materials they need to fill in when applying for the card. You can contact the branch where you applied for the card to see if you can ask your parents to sign the relevant documents and re-examine the limit, or wait until you have a stable job before applying for a CCB non-student credit card. The limit of the new card will be re-examined based on your work income and other circumstances.

Tips for quickly increasing your credit card balance:

1. Increase the frequency of credit card swiping. In daily life, it is best to develop the habit of swiping cards whenever you can. On the one hand, you can ++++ the bank's interest-free period and add a little extra financial income for yourself. On the other hand, you will also become an active user of the bank. Usually The bank will provide quota rewards to active users of the bank.

2. Increase consumption amount. Banks usually define these cardholders as high-quality customers who make large purchases from time to time and can repay the money normally later. Banks will increase the limit as appropriate after determining whether the cardholder has a larger demand for the amount.

3. Continuous and stable consumption for a long time. Banks generally have a limit increase strategy for credit cards that have been cardholders for more than 1 year and have transactions in each billing month. For these customers, banks will usually take the initiative to increase the limit. If the customer takes the initiative to apply for a permanent limit increase, the bank will approve it. The probability is also relatively high.

4. Frequent cash withdrawals and frequent credit card installments. Cardholders who frequently withdraw cash from their credit cards have a very high risk factor for the bank, but at the same time, cardholders who withdraw cash also contribute the most to the bank. The risk for installment users is relatively low, but their contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as a means of generating income, cash withdrawal and installment users are the favorites of banks. When applying for a limit increase, the relative success rate will be very high.

How to use the ICBC credit card with a limit of 1 yuan?

It is recommended that you deposit money and use the card to see if the limit is adjusted after 6 months. It is worth noting that if your card is no longer needed and needs to be opened at the counter, you can go to the branch to activate it with the information proving your assets, and ask for additional information. If you are willing to enter your information, it means there is 80% hope of increasing the limit.

1. 7 Don’ts to Swipe Credit Cards

1. Don’t be too early: Try not to swipe your cards before 9 a.m., because according to common sense, most stores are not open yet.

2. Don’t be too late: Try not to swipe your card after 10 pm, because according to common sense, most shops are closed.

3. Do not swipe integers: Do not swipe integers such as 10,000 or 5,000. Try to use a decimal point every time you swipe the card, such as 18897.8, and do not swipe the amount repeatedly or in a regular manner.

4. Try not to use the cap: Because of the cap rate, the bank has no money to make.

5. Do not swipe the same card more than 3 times in a day: too many swipes can easily arouse suspicion.

6. Don’t spend all the credit in one go: If the credit is tens of thousands, try to spend it over several days.

7. Don’t make a one-time payment and then withdraw it again: Especially if you pay it back on the repayment date and then withdraw it again and again, this is a taboo.

2. 7 things to do when using a credit card

1. Frequency should be high: Develop the habit of swiping your card anytime and anywhere. When buying cigarettes or drinks, try to swipe your card wherever possible. The more you swipe, it means you have a rich variety of card swipes, good turnover, easy to increase your credit limit, and less likely to be subject to risk control.

2． The amount of credit card swiped should be in line with your usual consumption habits: if the amount of credit card swiped is usually tens of dollars, and suddenly there are a large number of card swipes of tens of thousands, it is easy to be controlled by risks, so swipe cards should be done step by step, and do not jump from a few hundred to tens of thousands all at once.

3. Try to buy with points: this way the bank will make money, and sometimes it will turn a blind eye if it knows you are cheating.

4. You need to apply for installments: occasionally pay more than 600, and then apply for installments to make money for the bank. In this way, the bank will think that you are a high-quality customer, and it will be easy to increase the limit.

5． Switch stores: Try to choose a different store every time you scan.

6． Cycle again, cycle brush. You need to start repaying before the final repayment date, repay 1/10 to 1/3 every day, and then swipe it out, and pay it again the next day. In this way, you only need to leave 1/10 of the credit limit on a card to repay it in full. Uh-huh.

7. Be sure to cherish your credit report and never overdue it. If you can't pay off the loan on the final repayment date, you can call your bank and they will usually give you a 3-day extension. You should try your best to pay it off within these 3 days.

Is JD.com’s 1 yuan revolving credit card (debit card) real?

JD.com’s 1 yuan revolving credit card (debit card) is fake. First of all, JD.com has not officially issued any announcement that it has launched such a credit card (debit card). Secondly, most of this ++ method is run in the WeChat group. It is impossible for JD.com staff to add users to WeChat. of. Users are advised not to be greedy for cheap and be careful of being deceived.

In addition, when applying for this kind of credit card (debit card), you need to fill in your ID number, mobile phone number, home address, etc., which will lead to the leakage of personal identity information.

Is there an annual fee for the ICBC 1-yuan credit card?

There is an annual fee.

1. Common card dual-currency and multi-currency credit cards cost 100 yuan per card year for the main card and 50 yuan per card year for the supplementary card. RMB single-currency credit cards cost 50 yuan per card year for the main card and 25 yuan for the supplementary card. Card year. Gold card dual-currency and multi-currency credit cards cost RMB 200 per year for the main card and RMB 100 per year for the secondary card. RMB single-currency credit cards cost RMB 100 per year for the primary card and RMB 50 per year for the secondary card. The platinum card costs 2,000 yuan per card year for the main card and 1,000 yuan per card year for the supplementary card.

2. The above is the annual fee standard for ICBC’s regular card, gold card and platinum card. I hope it will be helpful to you. In addition, ICBC credit card gold and ordinary cards can be exempted from the current year's annual fee if a cumulative 5 purchases or 5,000 yuan (equivalent in foreign currency) are made with the card during the card use year.

I was insulted and received a credit card with a limit of 1 yuan!

You think you understand credit cards, but in fact you don’t. The unspoken rules hidden in credit cards are often hard to guard against. No, I just applied for a credit card a few days ago and just learned that I can get the card. Okay, call customer service to check if the credit limit is 1 yuan?

I thought I heard it wrong, but later it was confirmed that it was really 1 yuan. How come there is a credit card with 1 yuan? I have never heard of it, the customer service said You can deposit money and then use it. Damn it, why should I get a credit card?

Although it has only been more than 7 years since I got my first credit card, my credit record has always been very good. I still have my mortgage loan with this bank. I really don’t understand what the reviewer was thinking. There is such a limit. Damn it, I'm so short of money. If I'm short of just one dollar from you, I'll be rich.

I feel that this card was sent to me just to insult me, so I am not going to get it. I can’t help him and complete the task. Why do I feel that I am stuck with this 1 yuan.

In January, I bought a lot of things for the New Year, and my credit card was maxed out. In February, I didn’t pay attention when I paid back my credit card, and I even erased the change without realizing it. , I paid a dollar less, and then I paid an extra 100 yuan in interest. Did I cry to death?

A friend said: Once I misjudged a person, I paid 0.6 yuan less, and the interest was charged 40. There was even a netizen who said: When I was repaying a loan, I saw one missing zero passing by? I really wanted to faint in the toilet from crying.

However, it’s not unfair. Because I didn’t pay back the fraction of 1 yuan, not to mention the interest and late payment fees were deducted. What’s even more disgusting is that I reported my overdue payment to the People’s Bank of China in March and was punished by all evil. The bank was hacked!

Dear friends, never owe money to a credit card. There is a saying that it is better to owe +++ than to owe a credit card. Do you know how serious the consequences of not paying back the money you owe to the bank are? Interest compounding scares you to death?

Even if you pay 0.1 yuan less, most banks will calculate interest based on the full amount owed. If you owe even one penny, you will automatically be blacklisted, which will affect your credit report. This bad record cannot be erased!

In addition, this dollar will accumulate interest based on five thousandths of the total amount of your overdraft per day, which is quite high, and it is not calculated based on the 1 dollar you owe.

I once saw a piece of news: an overdraft of 60 cents turned into nearly 10,000 yuan six years later. When I wanted to get a loan to buy a house, I found that I had been blacklisted by the central bank.

At first, the arrears were 6 cents. By April 1, 2015, the overdue interest was 1,561.72 yuan, the late payment fee was 7,547.94 yuan, the over-limit fee was 7.03 yuan, the annual fee was 150 yuan, and the consumption overdraft was 0.6 yuan, totaling 9,267.2 yuan. .

It’s scary. A penny you owe can turn into nearly 300 yuan in one year. You dare to owe the bank a dollar, and the bank dares to make you “go bankrupt.” If you dare to deposit more than 300,000 yuan in the bank, Year, I’m afraid all the money is gone!

The bank can give you N yuan less, but you cannot take the bank for one more minute. Even if the bank counter says that you will not be responsible if you leave the counter, but if you withdraw 10,000 but take away 11,000, then the bank You are also wanted.

Everyone knows that the consequences of not paying back the money you owe are serious, but if you pay an extra dollar, it is also overdue, and the consequences are also very serious. A friend recently planned to take out a loan to buy a house of his own, but he was unable to do so. .

It turns out that two years ago, she paid off an extra RMB 1 on her credit card. She didn’t know it, so the card was useless and it was not canceled. But this time, in order to buy a house, the problem lies in This is 1 yuan.

I paid back 1 yuan more and kept making deposits and withdrawals, which turned into a "bad debt for overpayment". The bank couldn't contact her. Over time, it formed a bad debt on the credit card, so this time it was not possible. To borrow money.

So, don’t underestimate 1 yuan, neither less nor more. Don’t ignore it just to save trouble. This 1 yuan may cause you to get into greater trouble later, butterfly effect. But it’s terrible!

How to effectively avoid credit card interest?

1. Don’t leave any change when repaying the loan

Card holders must read their credit card statements clearly and do not leave any change when repaying the loan, although most banks currently have tolerances There is a timely repayment system, but if there are too many outstanding changes in your credit card, penalty interest will still be incurred.

2. Apply for installment repayment

If you cannot repay the credit card in full and do not want to incur interest, the cardholder can choose to apply for installment repayment from the bank. The installment interest is generally zero interest. , but there is a handling fee. If you owe a large amount, this is undoubtedly a good method. A fixed amount of handling fee is always much cheaper than compound interest.

3. Bind the bank and make automatic repayments

If you always have trouble remembering the time and amount of credit card repayments, then I suggest you apply for the automatic repayment service and transfer your loan to The debit card is bound to the credit card, and the bank will automatically help you repay before the repayment date to avoid interest. However, one thing to note is that the cardholder must ensure that there is sufficient balance in the debit card.

If you keep owing money and still don’t pay it after three calls from the bank, it is a credit card crime. The bank can go to jail and put you in jail. The amount of money that should be repaid cannot be less than a penny, and a fine must be paid.

That’s it for the introduction of the 1 yuan credit card.