Conditions for the four major banks to apply for gold cards
1, Industrial and Commercial Bank of China: stipulate that the average daily property of users in ICBC for three months shall not be less than RMB 200,000 or become a five-star ICBC user; To become a potential high-quality user of ICBC, you can let the bank manager approve the gold card; Some business outlets can apply for gold cards with industrial and commercial licenses;
2. Agricultural Bank: The requirement for users is that the average daily assets of Agricultural Bank before 12 months are more than 654.38+million; The average daily assets of new users or the purchase of investment, finance and wealth management products exceed RMB 654.38+10,000;
3. Bank of China: The total assets of the bank in China exceed 200,000 or the total annual credit card transactions exceed 50,000, excluding large-scale consumption such as car purchase and decoration; The balance of various personal loan accounts handled by China Bank reaches more than 500,000 yuan, and it can also become a gold card user.
4. China Construction Bank: the monthly account balance of wealth management products of CCB exceeds 200,000 1 year, and the monthly account balance of loans of CCB exceeds 500,000 1 year. 1 year, the trading volume of Longka is over 50,000.
Is it difficult to apply for a credit card in the four major banks?
The basic conditions for credit card applications of the four major banks are the same: the applicant 18 years old and has full capacity for civil conduct; The applicant's credit information is spotless and the debt ratio is low; The applicant has a stable source of income and a proper job; The applicant meets other conditions of the Bank for handling cards.
Although most card handlers can meet the basic card handling conditions of the four major banks, they want to improve the card handling rate. Applicants also need to open an account at Shenka Bank, where they have some deposits or other economic contacts. It is best to apply for a salary card at Shenka Bank and have wealth management products at Shenka Bank.
Because the four major banks have abundant funds and generally high-quality customer groups, they have stricter requirements for ordinary card holders, so they will be stricter than other banks in approving credit cards. Therefore, it is really difficult for the four major banks to apply for credit cards.
If you are a small white user who has never done credit business before and want to apply for a credit card, I suggest you try it from some state-owned banks with lower card threshold. For example, banks such as Bank of Communications.