The credit card limit of Sanxiang Gold Card of China Construction Bank is generally ordinary card or gold card, and the approval limit ranges from 1 1,000-50,000 yuan. After receiving the customer's application, the bank will make a comprehensive score according to the information provided by everyone. You can submit the financial certificate in your name and apply at the local CCB outlet. For example, if you have a large deposit in CCB, you can also provide it. The more materials there are, the more the review of new cards and the review of quotas will be the same.
I have a card deposit of 6.5438+0.7 million in CCB, and the amount of platinum credit card is uncertain. Counter processing flow is as follows:
1. Go to the bank outlet that handles credit cards, or find the staff of the credit card center of the local bank and fill out the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information;
2. Submit copies of certain certificates and vouchers to the issuing bank;
3. After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in;
The application form is accompanied by a credit card contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have his signature;
5. The credit card processing process is basically completed, waiting for the issuance of credit cards.
How much is the credit card limit of China Construction Bank Longka ic Platinum? How to increase the credit limit? My friend's Platinum Credit Card is 65438+ 10,000. If you want to increase the credit limit, you need to use a credit card with a large amount and good credit. The credit line will increase soon.
CCB standard platinum IC credit card gold card, the approval amount is generally not more than 200,000, and the ways to increase the credit card amount of CCB are as follows.
1. The frequency of swiping cards is high.
In daily life, it is best to develop the habit of swiping your card when you can. On the one hand, you can use the interest-free period of the bank for free and add a little extra wealth management income for yourself. On the other hand, you become an active user of the bank invisibly, and usually the bank will reward an active user of the bank with a quota.
2. High consumption amount
Irregular large-scale consumption, which can be repaid normally afterwards, is usually defined as a quality customer by banks. After judging whether the cardholder has a large demand, increase the credit limit as appropriate.
3. Sustained and stable consumption takes a long time
Generally speaking, for credit cards with cardholders over 1 year and monthly transactions, banks will take the initiative to withdraw the amount. If customers take the initiative to apply for permanent withdrawal, the chances of bank approval are greater.
4. Cash withdrawals are frequent, and credit card installment is often done.
Cardholders who frequently withdraw cash from credit cards have a very high risk coefficient to banks, but cardholders who withdraw cash at the same time have the highest contribution to banks; The risk of staging users is relatively low, but the contribution is not low. Therefore, for credit cards that mainly rely on interest and intermediary business as income-generating means, cash withdrawal and installment users are the favorite of banks, and the relative success rate of applying for credit line withdrawal will be high.
The amount of credit line depends on the type of card, and different people get different credit lines. The approval of credit depends on many factors. For example: the applicant's age, education, household registration, work, social security payment record, marital status, housing situation, personal credit record, personal assets (time deposit certificate, wealth management products, etc. ), etc. Stable working income and good credit are more important factors. The actual limit will not be known until the card is approved.
At present, the permanent quota of CCB is raised by the bank. Ensure good credit, generally use more credit cards, and have sufficient repayment ability. On this basis, if your personal income assets improve, the bank may take the initiative to increase the quota for you. Occasionally, you can apply for temporary quota adjustment, and you can apply for temporary quota through SMS, online banking and customer service hotline. If you call the customer service hotline to apply, enter your card number and telephone banking password after dialing, and then select "Line Inquiry and Adjustment" to apply for a temporary increase in the line through voice service.
What is the withdrawal amount and credit card amount of Hunan Construction Bank Sanxiang version IC hot purchase credit card respectively? Cash withdrawal can account for up to 50% of the credit line, and the other 50% can be spent by credit card; If you don't withdraw cash, you can spend all your money with a credit card.
Extended answer:
Hunan Hot Purchase Card Sanxiang Edition is a cross-business circle, comprehensive and platform credit card product launched by Hunan Branch of China Construction Bank.
By integrating the resources of CCB's high-quality members and preferential merchants, we can load a variety of industry application functions to meet customers' all-round living and consumption needs, realize "one card for multiple purposes" and "reduce the burden" on wallets.
There is a handling fee and interest for overdraft withdrawal. Domestic withdrawal fee is 0.5% of the withdrawal amount, ranging from 2 yuan to 50 yuan RMB. From the date of cash withdrawal, the interest shall be calculated at five ten thousandths of the daily interest, and the compound interest shall be calculated monthly.
Cash installment:
It refers to the business that the cardholder applies to CCB to withdraw a small amount of money with his credit card and repay it in several installments. After the approval of CCB, the funds will be transferred to the cardholder's collection account, and the cardholder will repay the money every month within the agreed time limit and pay a certain handling fee.
Cash installment application amount:
The maximum amount shall not exceed the available credit limit of the cardholder, and the accumulated amount shall not exceed RMB 50,000. If the credit line is 654.38+00000 yuan, you can apply for cash installment of 654.38+00000 yuan at most if it is not used.
When the standard IC gold card line of CCB is handled, the first trial line is 1, and the credit line of CCB's general card is generally between 3000- 10000 RMB.
2. The credit limit of CCB Gold Card is 10000-50000 yuan.
3. The credit limit of CCB Platinum Card is generally more than 50,000 yuan.
4. The maximum withdrawal amount of CCB credit card can reach 30% of the actual amount.
The amount of the card you apply for is mainly determined according to the asset status. If you have a car and a house and your income is high, then the amount will definitely not be low.
The credit card limit of Longka handled by CCB with the driving license is only an auxiliary financial proof. Applying for a credit card mainly depends on your income. Generally speaking, the credit card for the first time to run CCB, if the work income is stable, the amount is about 2-3 times the monthly income. If you hand in the driving license and real estate license when you apply for the card, the amount will be increased according to the value of your car or the value of the real estate. In addition, you have to review your personal credit to comprehensively evaluate a limit.
How many credit cards does CCB provide for the house? The approval limit for ordinary cards and gold cards is 1000-50000, and the standard platinum card does not exceed 200,000.
When approving, the bank will not only refer to the landlord's property, but also refer to work, income, social security, provident fund, individual tax, personal assets, credit, education and other aspects to approve the quota, so no matter which channel the application is made through, there is no way to know the initial quota of the card in advance before the approval result comes out.
(However, if the landlord provides a property as proof of financial resources, it is actually quite impressive. Therefore, in the case of good credit of the landlord, the amount should be quite good, and it is hard to say exactly how much. )