How to apply for a Bank of China credit card limit, and what other materials are needed?

You can complete the credit card application online through Bank of China mobile banking, "Bank of China Credit Card" WeChat official account, Colorful Life APP, online banking, and the official website of Bank of China (). If there is a Bank of China branch near you, you can also bring your ID card and other valid documents, as well as proof of financial resources, income proof, etc., to the Bank of China branch to fill out the application form to apply. The credit limit is a comprehensive assessment based on the information you filled in when applying for a credit card and the relevant supporting documents provided. The final approval result shall prevail.

The above content is for your reference, please refer to actual business regulations.

How to apply for a temporary credit card limit? There are mainly 4 ways!

The credit card limit is divided into two parts: temporary limit and fixed limit. As the name suggests, the fixed limit is the inherent limit of the credit card, while the temporary limit has a validity period. Generally, the credit card limits we talk about are fixed limits. Have you ever applied for a temporary credit card limit? Many friends don’t know how to apply for a temporary limit on a credit card. Today I will introduce 4 methods to you.

1. Customer service phone application

Credit card holders can directly call the customer service center number on the back of the credit card and apply for a temporary limit directly with customer service. If you meet the application qualifications for a temporary quota, the quota will generally be given to you directly.

2. Mobile banking application

Download the mobile banking APP directly on your mobile phone. After binding your credit card, you can apply for a temporary quota directly in the APP. If you meet the qualifications, you can get the quota immediately.

3. WeChat public account application

Follow the bank’s official WeChat public account, and also need to bind a credit card. Follow the prompts to apply for a temporary credit limit, which is usually available in the limit management. .

4. Application on the official website of the bank

The credit card business of each bank has an entrance on the official website, and you can apply directly on the official website. If you have any questions, you can also ask online customer service, which is convenient and simple.

The above is the way to apply for a temporary credit card limit. It should be noted that the temporary credit card limit needs to be paid off in one go. After the temporary limit expires, the limit will be restored! Friends in need can try these 4 methods!

How to apply for a credit card on a mobile phone

The channels for applying for a credit card on a mobile phone include mobile banking and third-party platforms. Taking mobile banking as an example, the general application steps are as follows:

1. Open mobile banking and log in to your personal account;

2. Click "Apply for Credit Card" to enter the interface;

3. Find and click "Apply for Card";

4. Enter your name, ID number, mobile phone number, unit location, education, position and other information;

5. Check "I have read and understand the "xx Credit Card Terms and Conditions", " xx Credit Card Receipt Agreement" and relevant information of the bank card, and are willing to abide by various rules", then click "Get Verification Code";

6. Enter the SMS verification code and click "Submit" and wait. Just review.

The steps for applying for a credit card through mobile banking of different banks may be slightly different. Please pay attention to the page prompts when applying.

What are the requirements for applying for a credit card?

At present, there are many credit card issuing institutions in various banks. For different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic basic conditions are the same:

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1. Aged between 18 and 65 years old;

2. Have a stable career and income;

3. Have good credit and repay on time The ability to pay interest;

4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed).

If you have not met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions:

1. Have full civil Natural persons with capacity or limited capacity for civil conduct

2. Over 13 years old

3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book when applying.

It is worth noting that some cards are not available to everyone and have some special requirements for cardholders. For example: CITIC Bank Magic Credit Card can only be applied for by women

b. Relevant credit certificates that applicants need to provide:

1. Fully prepare various asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to copy the credit cards you already own when applying and attach them to the application form. Just send it (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the personal credit information system of the Central Bank. Good consumer credit and repayment credit are the most important things for banks. valued).

If you are applying for a credit card for the first time, because you do not have any consumer credit record, the bank mainly relies on your various income and asset status to decide whether to approve the card and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc. Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates.

2. Fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of obtaining credit card approval, and the higher the limit): 1. Whether there is a landline in the city Number (having a landline phone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score); 2. Whether you are married (married has a higher score than unmarried); 3. Whether you have a household registration in this city (this city The score of household registration is higher than the score of household registration in other places); 4. Whether there is a house (the score of owning a house is higher than not having a house, and the score of self-living is higher than living with parents); 5. Educational level (the higher the education level, the higher the score) ; 6. Nature of the work unit (the more stable and well-known the work unit is, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores) ; 7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees).

This ends the introduction on how to apply for a credit card limit via mobile phone and whether the credit limit applied for via mobile phone is low. Did you find the information you need?