Question 1: How to apply for Bank of Communications Platinum Card Tip 1: Purchase Bank of Communications financial products
As we all know, you need to be invited by the bank to apply for a Bank of Communications platinum credit card, but being invited is a piece of cake. Difficult thing. You can first purchase Bank of Communications' financial products, there is no clear limit on the amount, and then apply for a platinum credit card through your financial manager, which will generally be easier to approve.
Tip 2: The "stepping stone" to apply for the Gold Platinum Card
The easiest way is to first apply for the Bank of Communications regular card or gold card. The application conditions are relatively simple. Just provide your proof of identity, employment and financial resources. After applying for and opening a card, you only need to make more payments and maintain good credit. This is a "protracted battle".
1. The number and amount of card purchases should be as high as possible
Bank of Communications will conduct a comprehensive evaluation based on the customer's past card usage to determine whether the customer can be upgraded to a platinum level customer. It is recommended that cardholders diversify their consumption types when swiping their cards, such as home appliances, catering, supermarket shopping, etc. This can prove that cardholders have strong demand for credit cards and prove that cardholders are highly loyal to Bank of Communications.
2. Avoid overdue credit and maintain a good credit record
If the cardholder has had a bad credit record, it will be very disadvantageous to upgrade to a platinum credit card, because platinum credit cards generally have a larger credit limit High, if the cardholder has a bad credit record, the bank is not willing to issue a platinum credit card to the cardholder. In other words, cardholders must repay their loans in full and on time and have a good credit record, which is more important than high income.
If you insist on using the Bank of Communications credit card for a period of time, the bank will give you a comprehensive score based on your card usage. If you meet the conditions, you can be invited by the bank to be promoted to a platinum credit card customer. In this case The Platinum Card you apply for will definitely be approved successfully.
Question 2: How can I apply for Bank of Communications’ platinum card service: The additional services of the gold card are far inferior to those of the platinum card. For example, the platinum card can enjoy airport VIP and other quotas: the maximum limit of the gold card is 50,000 yuan, and the platinum card has a limit of up to 50,000 yuan. The annual fee starts from 50,000 yuan: The annual fee of the gold card is far less than that of the platinum card. The annual fee of the gold card can be waived by swiping the card, but not the platinum card. The application requirements for the gold card are fixed income groups with an annual salary of more than 120,000 yuan and a good credit record. Application is currently limited to high-quality customers with assets of more than 2 million from the Bank of Communications
Question 3: How to apply for a Platinum Card from a Bank of Communications credit card 1. How to apply for a Platinum Card from the Bank of Communications
Apply for the Platinum Card from the Bank of Communications now The card is very convenient. You don’t have to wait for an invitation from the bank, and you don’t have to go to a branch to apply.
Warm reminder: You only need to meet any of the following conditions to apply
1. Have a stable job, pay three gold and silver coins continuously, and have never held a Bank of Communications main credit card .
2. Have a college degree or above, and have never held a Bank of Communications principal credit card.
3. Have certain assets in Bank of Communications and have never held a Bank of Communications principal credit card.
If you meet any of the above conditions, you can apply for a Platinum Card on the official website of Bank of Communications Credit Card. Compared with applying at the branch counter, you do not need to submit relevant information to apply for a Platinum Card online. You only need to fill out the application on the official website. Just watch it, very convenient.
Question 4: How to apply for a platinum card if Bank of Communications has a regular credit card? Users can directly call the customer service number of Bank of Communications to inquire about applying for a platinum card.
However, the Bank of Communications Platinum Card requires an annual fee, and the threshold for annual fee reduction is relatively high.
At the same time, if the user's financial situation is average, the amount will not be too high, most likely 50,001 yuan.
Question 5: What are the requirements for applying for Bank of Communications Platinum Credit Card? The main application method for Bank of Communications Platinum Card is to increase your personal assets in Bank of Communications to more than 500,000 yuan. When you meet the criteria and obtain a Ward Card, This card is a high-end VIP debit card of Bank of Communications. Congratulations, you can apply for Bank of Communications Platinum Credit Card. The limit is generally between 50,000 and 200,000. However, I have to remind you that the platinum debit card has a high annual fee and cannot be used. By frequently swiping the card, you can only use points to deduct it. If I remember correctly, it is 200,000 points for one year's annual fee, so there are not many customers who hold platinum credit cards.
Question 6: Bank of Communications Platinum How to apply for a Bank of Communications Platinum Card? How to waive the annual fee 1. How to apply for a Bank of Communications Platinum Card
Now it is very convenient to apply for a Bank of Communications Platinum Card. You don’t have to wait for an invitation from the bank, and you can apply without going to a business outlet. .
Warm reminder: You only need to meet any of the following conditions to apply
1. Have a stable job, pay three gold and silver coins continuously, and have never held a Bank of Communications main credit card .
2. Have a college degree or above, and have never held a Bank of Communications principal credit card.
3. Have certain assets in Bank of Communications and have never held a Bank of Communications principal credit card.
If you meet any of the above conditions, you can apply for a Platinum Card on the official website of Bank of Communications Credit Card. Compared with applying at the branch counter, you do not need to submit relevant information to apply for a Platinum Card online. You only need to fill out the application on the official website. Just watch it, very convenient. (Source: Nan^fang^cai^fu^.com)
2. How to waive the annual fee for Bank of Communications Platinum Card
It is reported that the basic annual fee for Bank of Communications Platinum Card is RMB 1,000. And this annual fee cannot be waived. However, in order to celebrate the opening of the online application channel for the Platinum Card and to allow more cardholders to apply for the card, Bank of Communications has launched a special promotion where the first-year annual fee can be waived by swiping the card 6 times.
However, this is also conditional. The customer must have never held any Bank of Communications Platinum Credit Card product. For example, if he has held a Bank of Communications Platinum Credit Card but the card has been canceled for more than 6 months, or he has only held a Bank of Communications Platinum Credit Card, Bank platinum credit card supplementary cards can be used as first-time applications to participate in this event.
In addition, customers must apply for a credit card between December 1, 2016 and December 31, 2017 (based on the card approval date), and make any 6 purchases within 45 days after the card is approved. , that is, the first-year annual fee for the Platinum Card is waived.
If you do not use the Platinum Card for 6 transactions within 45 days after the card is approved, you still need to pay an annual fee of 1,000 yuan.
Question 7: What are the application requirements for Bank of Communications Platinum Card? If you have Ward Wealth Card (a 50W card deposited with Bank of Communications), you will be given a Platinum Card if you have the card. Understand
Question 8: How to upgrade Platinum Card from Bank of Communications Credit Card? According to Bank of Communications Credit Card According to the regulations of the center, Bank of Communications currently does not have the business of changing card types. If cardholders need to apply for other types of credit cards, they can resubmit the application information. In other words, Bank of Communications Gold Card credit card holders who want to have a Bank of Communications Platinum Card must apply separately and It is not possible to directly upgrade the card. Conditions for application of Bank of Communications Credit Card Platinum Card. Age limit. Applicants for the main card must be at least one year old. If you apply for the card through branch channels, please consult the local counter staff for details and have full civil capacity. Applicants for additional cards must be at least one year old and Restrictions on application channels with capacity for civil conduct: a. Over-the-counter applications only support applications from Ward Financial Management or private banking customers of our bank; b. Online banking applications only support applications from existing platinum credit cards or platinum card invitation customers of our bank. Applications need to be submitted after meeting the above conditions. Corresponding supporting documents.
In addition, if you want to continue to increase the limit of your Bank of Communications credit card, you can refer to the following credit card limit increase tips.
First of all, you need to swipe more cards, the types of card consumption must be diversified, and repayments on time cannot be overdue. Secondly, you can also increase the limit in a fancy way.
Raising the minimum repayment amount for several consecutive months means that you need money very much in the near future and can also allow the bank to earn interest. The bank will take the initiative to provide such customers with based on their past personal credit situation. Cardholders raise their limit.
Temporary limit increase. Recently, during the holidays, there are many places where money is needed for travel, shopping and other places. Cardholders can apply to increase the temporary limit. Bank of Communications will generally approve it and apply for several temporary limit increases. The bank will It is believed that it is not difficult for cardholders to increase their fixed credit limit if their demand for credit cards increases.
Cardholders who raise the limit by threatening to cancel the card can call the bank customer service to apply for an increase in the limit. If the limit is not raised, then cancel the card. This method is extreme, but sometimes it can be effective. However, we remind you to use this method with caution.
Question 9: What is the difference between Bank of Communications Gold Card and Platinum Card? What are the application conditions? How can I successfully apply? Services: The additional services of the Gold Card are far inferior to those of the Platinum Card. For example, the Platinum Card can enjoy airport VIP, etc.
Limit: The maximum limit for gold card is 50,000 yuan, and the limit for platinum card starts from 50,000 yuan.
Annual fee: The annual fee for gold card is far not as high as that for platinum card. The annual fee for gold card can be swiped by credit card. Exempted, platinum cards are not acceptable
The application requirements for gold cards are fixed-income groups with an annual salary of more than 120,000, and good credit records
Platinum cards are currently limited to high-quality Bank of Communications assets of more than 2 million Customer Application
Question 10: How can I apply for Bank of Communications Platinum Card? Bank of Communications Platinum Card is only open to the following types of customers:
1. Platinum Card invites customers and receives transportation Invitation code or invitation letter provided by the bank.
2. Customers who already hold a Bank of Communications platinum card can apply for other types of platinum cards or apply for a separate platinum supplementary card.
In addition, if you are already a Bank of Communications Ward Financial or Private Banking customer, you can directly contact your Bank of Communications financial manager to apply for a platinum card. Other netizens can also inquire about platinum cards through the Bank of Communications customer service hotline. Application Matters.