The initial application limit for China Construction Bank credit card has a wide range, usually between 1,000 yuan and 50,000 yuan. Most first-time applicants can get a credit limit of 5,000 yuan to 10,000 yuan. The specific amount will be determined based on the applicant's personal work and financial situation. The following are some key conditions that affect the initial application limit of China Construction Bank Long Card Credit Card:
1. The applicant must have a deposit or investment account in China Construction Bank, and the account opening time is not less than 6 months, and the account opening time is not less than 6 months, and the last 3 months The average monthly deposit investment amount must reach 50,000 yuan, of which customers investing more than 100,000 yuan can apply for a gold card.
2. If the applicant’s average monthly salary is 1,200 yuan, and the minimum is no less than 800 yuan, he or she can apply for a credit card. If the average monthly salary is 4,000 yuan or more, he or she can apply for a gold card. If these criteria are not met, additional proof of income may be required.
3. Applicants must own local commercial housing, and the purchase period must be no more than 15 years. The purchase area must be more than 80 square meters, except for special circumstances such as affordable housing. Those who purchase a house with an area of ??more than 120 square meters can apply for a gold card.
4. Those who own private cars with a capacity of more than 1.0 liters and less than 8 seats, and the age of the car is no more than 8 years old. Non-commercial vehicles, coaches, etc. can apply. Some models may have additional requirements.
5. For applicants who already have credit cards from other banks, they must have a usage record of more than 6 months, no overdue records, an average credit limit of not less than 5,000 yuan, and at least 3 purchases in the last 2 periods. The total recorded and accumulated consumption exceeds 1,500 yuan (excluding some specific types of consumption).
6. If the applicant has a loan business from China Construction Bank, and the loan amount is more than 150,000 yuan or the monthly repayment exceeds 500 yuan, and there is no bad credit record, you can also apply for a credit card.
In short, the limit for initial application for a China Construction Bank credit card will be determined based on the applicant's comprehensive financial status and credit conditions. The specific limit will be determined by the bank after submission of application.