Banks such as Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, China Guangfa Bank, and Bank of China can all apply for etc. cards. The functions are similar, but the discounts are different.
Take the Agricultural Bank of China ETC credit card as an example. The Agricultural Bank of China ETC car owner credit card can realize electronic payment at MTC parking channels and ETC non-parking channels on highways in connected provinces and cities across the country. This card adopts the "pass first, pay later" method. The toll is automatically deducted from the Agricultural Bank of China ETC credit card, and there is no need to deposit cash in advance. Holders of the Agricultural Bank of China ETC credit card can enjoy an exclusive discount of up to 10% off on highway tolls when traveling on highways in provinces and cities that have achieved national network connectivity.
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Credit card application:
Credit card application review is comprehensively evaluated by the system and will take into account many factors, such as work, income, and stability. , personal credit and other aspects of the situation are not determined by unilateral factors. It may be that the information you attached when you originally applied did not fully reflect your personal situation, which resulted in the application not being approved. In addition, the domestic personal credit record system has not yet been perfected. Each bank uses internal assessment when reviewing credit cards, and the standard setting will be different. Because the credit criteria and scoring standards are internal working secrets of the bank, the risk factors cannot be disclosed to the public. Please understand this. You can call 800-820-5555 to request a re-examination. We hope you can provide us with more reference materials. If you no longer wish to attach information, you can reapply 6 months after your initial application.
The most important conditions for applying for a China Merchants Bank credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other Documents proving your financial resources will help us better understand your personal situation and determine your credit limit. Detailed application information is as follows:
1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;
2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or the original has been verified by the promoter A copy of the work permit/plate with the mark;
3. Proof of financial resources: it can be a bank salary record, or income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments (such as real estate Certificate/car driving license/copy of bank time deposit certificate) and other materials that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.
Generally, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The specific limit is based on the audit results. allow.