The pre-approval limit for credit cards of China Construction Bank means that if you have not applied for a credit card with CCB, there will be a pre-approval limit in your mobile banking or online banking. This limit is based on your general An estimated credit card limit. However, the bank will conduct a comprehensive review based on your work nature, income, social security, provident fund, personal tax, credit and other aspects, and then give you the final limit, so there may be a gap between the pre-approval limit and the final limit.
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1. What is the general limit for applying for a China Construction Bank credit card for the first time?
China Construction Bank does not clearly stipulate the upper and lower limits of credit card credit limits. The credit limit when applying for a CCB credit card for the first time is often not high and should not exceed 10,000 yuan. The credit limit for a CCB gold card is only between 10,000 and 50,000 yuan. The credit limit when applying for a CCB credit card for the first time is consistent with the credit limit provided by the applicant. The information is closely related. The more detailed the information, the higher the success rate of card application, and the corresponding limit will be higher. Moreover, it is difficult to increase the fixed limit of CCB credit card, and you usually need to submit proof of financial resources. Therefore, if it is the first time to apply for CCB credit card, it is recommended to apply for CCB credit card as much as possible. Provide supporting materials.
The credit card limit of China Construction Bank is determined by comprehensive proof of financial resources, repayment ability, etc. Factors affecting credit card limit:
1. Marital status: Married customers are more stable than singles and are more favored by banks.
2. Technical title and working status: Technical title is a testimony of the customer's working ability. Practitioners in industries with higher stability will receive bonus points.
3. Financial ability: Those who provide detailed personal income certificates, stable income, and long-term prospects for income growth will receive higher ratings.
4. Personal housing: Owning a personal housing can also show that the individual has a certain financial foundation and can get extra points.
5. Credit record: If the borrower has opened an account with a bank in the past and has often had funds coming in and out, the bank will also consider adding points as appropriate.
6. Education level: Graduate students or above will be rated higher.
2. The credit card application has been approved, but the card has not been issued yet. How can I check the credit limit?
1. China Merchants Bank Credit Card Limit Inquiry - Telephone Inquiry
Customer Service Hotline: 8008205555
2. China Merchants Bank Credit Card Limit Inquiry - SMS Inquiry
Currently only mobile users can use the mobile phone number filled in when applying for a credit card to send ED to 1065795555
3. China Merchants Bank Credit Card Limit Inquiry-Online Banking
After receiving the card, you can register for an all-in-one card and log in Online banking check.
3. Can I enjoy the same credit card limit from the same bank?
The credit card limit of the same bank is exclusive, and the exclusive limit is based on the highest limit of the credit card in your hand.
If you have multiple credit cards from the same bank, then any credit card you use will occupy the total limit of ***. For example, if you have a card with a limit of 60,000 and a card with a limit of 20,000 , after you have used the card with a limit of 20,000 yuan, your card with a limit of 60,000 yuan can only use another 40,000 yuan, and the two cards can enjoy a limit of 60,000 yuan.