Although Everbright Bank Credit Card is not one of the popular banks, the application threshold is not high, the card application interface is very designed, and the activities are very powerful, so the number of cardholders is not small. Although The Everbright Card is easy to use and the threshold is low, but it does not mean that you can apply casually. If you do not make good preparations for the application, applying blindly will be in vain, so today Xiao Qin will share with you the tips for applying for Everbright Bank credit cards and popular card types. method, friends who are interested should not miss it!

1. Application Notes

1. Apply for a Everbright Bank savings card, such as the Everbright Sunshine Savings Card, which can be used in RMB, US dollars, pounds, euros, Japanese yen, and Australian dollars. And it has financial management functions, and then use this applied savings card to create targeted capital flows, with varying amounts. Depending on the cash flow at hand, you mainly use this savings card for fixed deposits, transfers, financial management and funds. Generally, It takes 7-45 days to apply for a credit card directly after optimization. If we have proof of assets, we can directly submit the application for proof of assets online. If there is no relevant proof of assets, it doesn’t matter. You can also apply directly on the bank’s mobile APP. It takes 7-45 days. Optimize the debit card and improve our overall score in the bank, so that the credit card limit applied for will not be low!

2. Do not have overdue records in your credit report in the last 2 years or the like, and do not have excessive inquiries in the last 3 months or the like, otherwise they will all be rejected. If the credit report needs to be optimized, For credit reporting, special card maintenance techniques are used to create the "3 N's" of credit reporting, and good credit reporting is used to cover bad records. Cardholders who want to consult in detail can add Xiaoqin WeChat to learn more.

3. Regarding the Everbright Bank interview, this depends on city policies, and as long as you fill in the application information and don’t let others package it for you, it’s basically fine. Don’t let others package it for you. Just follow the tips for filling out the application form and pack it appropriately so that you know all the information and it is safe for you!

2. Recommended card types

1. Everbright Douyin co-branded credit card

No annual fee, easy to apply for the card, and the limit is suitable. This card is now the best choice for Everbright The most popular credit card among banks. As a platinum card with no rigid annual fee, it is very good. Before applying, please pay attention to Everbright Bank. Don't let the application be rejected due to "insufficient comprehensive score". As long as it passes the preliminary review of the system, it will basically be accepted. The card can be placed successfully.

2. Everbright Sunshine Business Travel Platinum Credit Card

The annual fee is deductible and has excellent benefits. Annual fee policy: annual fee is 1188/year, and new customers of the first card will receive 688 yuan after their first swipe. Annual fee discount coupon, this card is a dual-currency credit card (VISA UnionPay), the benefits are very practical in daily life, and the credit card points income is outstanding, and as a dual-currency credit card, the starting limit is 100,000, you can also apply for it "Special method to apply for a foreign currency card", use foreign currency to create an Everbright savings card, as long as the credit report is not overdue, it is basically stable!

3. Everbright Ctrip Travel Platinum Card

The first choice for business people, and the first choice for card friends who often travel for business or tourism. Calculated, it can save a lot of expenses, and the included services are also very suitable. Used in conjunction with the card, this card is the first choice for "curved card replacement" to increase the credit limit. The credit limit and success rate are both good, but be sure to pay attention to "optimizing the original card bill and reducing the credit debt ratio" before changing the card in a curved line.