The Bank of Communications credit card gold card can be approved as long as it meets the requirements and provides sufficient financial proof. The specific application materials are as follows: 1. Proof of identity: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and soldiers need to provide a copy of their ID cards; 2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor; 3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. 4. Other documents for reference include: personal account list of social insurance in the last six months, water, electricity and gas bills, credit card bills of other banks, etc. The main conditions for applying for a credit card are: ① 18-60 years old; 2 have a stable job and income; (3) The necessary application documents are copies of identity certificates and work certificates; (4) Provide other financial vouchers.
Is CITIC Credit Card MasterCard easy to handle?
Good application. According to the information about MasterCard of CITIC Credit Card, MasterCard of CITIC Credit Card is an entry card, and it is relatively easy to apply. CITIC Credit Card MasterCard is a kind of credit card, which has the characteristics of accident insurance and medical insurance.
Is CCB's credit card easy to handle?
CCB's credit card gold card is relatively easy to handle. As long as the applicant's credit status, work income and repayment ability meet the application conditions of CCB, online and offline applications are relatively easy to pass. However, even if the card is issued successfully, everyone's credit limit will be different. The better the credit conditions, the higher the credit limit.
CCB's credit card gold card is relatively easy to handle. As long as the applicant's credit status, work income and repayment ability meet the application conditions of CCB, online and offline applications are relatively easy to pass. However, even if the card is issued successfully, everyone's credit limit will be different. The better the credit conditions, the higher the credit limit.
Extended data:
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Annual fee-free policy: swipe your card for 3 times or 18 times (excluding special cards such as business cards and car cards) to avoid the annual fee for the following year.
Withdrawal fee: domestic: 5‰ of the transaction amount, with the lowest 2 yuan and the highest 50 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota sharing, multiple CCB cards, one billing date and independent repayment.
Online payment: Alipay: it can be used after online registration, with a single payment and a one-day limit of 500 yuan.
Installment business: support interest-free installment for specific merchants (3, 6, 12). After a single consumption exceeds 1000 RMB, you can apply for installment by phone (3,6,0/2,0/8,24), and different handling fees will be generated for each installment according to the number of installments.
Billing date: There are multiple billing dates every month, and the cardholder can change it once a year within the validity period of the card.
Currency: RMB, RMB/USD, RMB/Euro.
Interest:
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
If the repayment is not made in full before the due repayment date, the interest-free period will not be enjoyed. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, the Construction Bank will charge 5% of the overdue fine for the unpaid part of the minimum repayment amount in addition to the interest as required.
Is it difficult to approve the ICBC credit card gold card?
ICBC's credit card review is relatively strict, but as long as the credit conditions are good, it is no problem to meet ICBC's card issuance conditions, otherwise it is easy to be rejected.
ICBC credit cards are divided into ordinary cards, gold cards, platinum cards and black cards. The higher the card level, the harder it is to take off. Among them, the applicant's credit information and the star rating of ICBC are the two major factors that affect the next card.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
What is the credit card gold card quota and how to apply for it?
Wage earners like this only have credit cards, and they can only look up to gold card bosses. Credit cards usually have a higher amount of gold cards. Let's talk about the amount of credit card gold card and how to handle it.
The credit card level can usually reflect the credit card amount. For example, the credit card range is 1 0,000 to 1 0,000, the credit card limit is 1 0,000 to 50,000, and the credit card platinum card is more than 50,000. However, the specific amount of the credit card gold card is generated after the bank comprehensively evaluates you.
Credit card gold card application skills
1. Select the credit card gold card you applied for.
If you don't have great confidence in your financial resources, you can choose a gold card with a lower threshold and relatively easy to handle. Credit cards of common joint-stock commercial banks are easier to handle. According to the experience of card users, China Merchants Bank Youth Card Gold Card and CITIC JD.COM Xiaobai Card Gold Card are easier to handle.
2. Fully demonstrate your financial resources.
If you want to apply for a high-grade gold card, the applicant must ensure that he has a certain repayment ability. Therefore, as much as possible to provide banks with some proof materials to show their solvency, such as showing high income through wages and jobs, highlighting their high quality with high academic qualifications, and showing their economic strength with real estate and automobile production certificates. If you can apply for bank wealth management products or large deposits, you will also get a lot of points.
3. Good personal credit record
In the process of applying for a credit card, personal credit record is very important. Although you have strong financial resources, poor personal credit information will affect the comprehensive evaluation of your bank, and applying for a credit card gold card may not be successful.
The introduction of how easy it is to apply for a credit card gold card and how easy it is to apply for a bank gold card ends here. I wonder if you found the information you need from it?