The Bank of China UnionPay Young Card Gold Card is the in card. The limit is generally less than 50,000 yuan. The specific limit is determined by the bank based on the applicant’s credit conditions. If the credit conditions are average, the card limit may be only There are hundreds or thousands of yuan, the credit conditions are good enough, and the limit is capped at 50,000 yuan.

The Minsheng credit card limit is as follows:

The gold card limit is 3,000 yuan to 50,000 yuan; the specific limit is determined by the bank based on the application materials you provide and the People's Bank of China records and other information.

The application conditions for Minsheng Bank UnionPay Youth Card Gold Card are relatively loose. You only need to be over 18 years old, have a job, and have good credit. However, if you want to obtain a high limit, you need financial strength to guarantee it. It is best to provide additional Proof of financial resources.

The credit card application approval rate and the limit depend on the various financial certificates in your name that you provide when applying, such as real estate certificates, car driving licenses, work income certificates, etc. The more financial certificates you have, the higher the pass rate and approval rate. The card limit is relatively high.

Card application review time:

1. Apply for a card through branch outlets or sub-centers: Under normal circumstances, after submitting the information, our bank will pre-examine it at your local marketing center. After approval, the materials will be sent to our headquarters. The review results will be available within 30 working days after the data is entered into the system.

After the data entry system and review are completed, a text message will be sent to the mobile phone number you reserved on the application form. If you do not find the application record, it means that the card center of the head office has not received your application information. It is recommended that you consult the staff who handled the card for you at that time to verify the pre-examination status.

2. Apply for a card through the Internet: Cardholders who already hold the card will be reviewed as soon as T+1; new customers will be reviewed immediately after submitting the application (usually in about 15 minutes), and a text message will be sent to notify the applicant. The review results will be formally reviewed later, and the system will send you the review results.

If passed, the card will generally be printed and sent to the post office within 5 working days after the card is approved. If the card has special craftsmanship, an additional 3 working days will be added.

Extended information:

How to check the limit:

After receiving the Minsheng UnionPay Youth Card Gold Card, the applicant must first activate the card as required. If you want to check the credit limit, you can check it through the following three methods:

Method 1: Check from the credit card statement sent by the bank;

Method 2: Log in to the Minsheng Bank credit card website Inquiry;

Method 3: Call the Minsheng Bank credit card customer service hotline to inquire.

Methods to increase the limit before applying for a card:

1. Fixed residence

It is best to have a copy of the real estate certificate. If you have a mortgage with a bank, the credit card reference center will also check it. Another thing is renting a house. If you can provide a statement of water, electricity, coal, and communication fees in your name within a certain period, it will also help to increase the credit card limit.

2. Continuous and stable income

As for income status, it is not that the higher the salary, the better. The credit reporting center generally follows the principle of scoring income: civil servants are better than ordinary people. Large state-owned enterprises are better than other enterprises; sustained and stable middle income is better than unstable high income.

Bank card payment is better than cash payment. There is also a simple way to check your income status: check social security. In the early days, the credit card limit was basically based on the nature of the work unit and the social security account.

3. Good historical credit record

It mainly depends on personal credit card usage/repayment information, loan information, and also includes personal telecommunications, water, electricity, gas and other payment information. A good credit history can ensure a satisfactory credit limit.

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