Is it easy to get a Everbright Bank credit card?

The Everbright Bank credit card is easy to apply for, as long as the applicant meets the approval conditions for the Everbright Bank credit card. The approval conditions are as follows:\r\n1. The main card applicant must be over 18 years old, not over 65 years old, and have full capacity for civil conduct. \r\n2. The applicant for the supplementary card must be over 16 years old and not over 65 years old, and must be a direct relative of the main card holder. \r\n3. The main card applicant must have a stable job, a legal source of income, and a monthly income that can repay the credit card bill on time. \r\n4. Applicants for both primary and supplementary cards must have good personal credit records and no major default records. \r\n5. The main card applicant needs to have certain financial proof, such as income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments, etc. \r\nFor more information about whether it is easy to apply for a Everbright Bank credit card, go to: View more content

Is it easy to apply for an Everbright Bank credit card?

Is it easy to apply for an Everbright Bank credit card?

Compared with other major banks, the credit card application threshold of China Everbright Bank is relatively low. You can choose to apply at the counter of China Everbright Bank or apply online. And it is worth mentioning that China Everbright Bank’s credit card is free of annual fees in the first year. After swiping the card three times, the annual fee will be waived in the second year. There is no consumption limit, and users will be provided with free SMS reminder services. From these aspects, the services of Everbright Bank's credit cards are very user-friendly, and they often launch a series of preferential activities, and the card design is relatively novel. It is deeply loved by young people and has a long interest-free period, so many people apply for Everbright Bank credit cards.

For more information about whether it is easy to apply for a Everbright Bank credit card, go to: View more content

Is it easy to apply for an Everbright Bank credit card?

Hello, how about applying for a Everbright Bank credit card? The credit card rate is relatively high, so it is relatively easy to apply for. However, Everbright Credit Card has relatively high personal credit requirements, which needs to be paid attention to.

Whether the Everbright Bank credit card is easily approved mainly depends on whether the applicant can meet the approval conditions of the Everbright Bank credit card. The approval conditions are as follows:

1. The applicant for the main card must be at least 18 years old. Above, the applicant must not be over 65 years old and must have full capacity for civil conduct.

2. The applicant for the supplementary card must be over 16 years old, not over 65 years old, and must be an immediate relative of the main card holder.

3. The main card applicant must have a stable job, a legal source of income, and a monthly income that can repay the credit card bill on time.

4. Applicants for both primary and supplementary cards must have good personal credit records and no major default records.

5. The main card applicant needs to have certain proof of financial resources, such as income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments, etc.

Information required for applying for a credit card:

1. Identity certification materials;

2. Work and income certification materials;

3 , Documents proving financial resources;

4. Educational qualifications, professional qualification certificates, self-owned real estate certificate, self-owned car driving license and other auxiliary materials.

Process:

1. Apply for an appointment online;

2. Staff will contact you three to five working days after the appointment to collect information;< /p>

3. It takes about 7 to 10 working days for the bank system to review personal information and call back;

4. If the review is passed, the credit card will be sent out in about 10 working days. .

Everbright credit card approval has the following characteristics:

1. When applying for a credit card, you need to submit proof of identity, work certificate, income certificate and other information;

2. The credit status is good and there should be no overdue records;

3. Income will affect the credit limit of credit cards;

4. The credit card limit of married applicants is higher than that of unmarried applicants. High;

Would you like to ask whether it is easy to get a credit card from China Everbright Bank

As we all know, those who are 18 to 65 years old, have full capacity for civil conduct, have legal and stable sources of income, and have good credit standing Individuals can apply for a credit card, and anyone can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.

When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.

1. Have a sustained and stable income

In other words, a stable job. Whether the job is stable and whether there is income can reflect the applicant's ability to repay the loan. However, each bank has different views on this income stability.

For example, for the four major state-owned banks, for them, the people with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.

But for joint-stock commercial banks, as long as they have a job and income, and the working time is more than 3 months, it is equivalent to being stable. Generally, they are not very picky about the applicant’s workplace. If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.

2. People with large deposits in the bank

People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.

So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.

3. College students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.

So, if you are a college student, it is generally easier to apply for credit cards from these two banks.

4. Have a mortgage loan in a bank

If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.

Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.

Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.

If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.

Is it easy to apply for the Everbright Credit Card?

It’s very fast. You can apply for the card in one day at the fastest. Application conditions for Everbright Bank credit card: The applicant is over 18 years old and not over 65 years old, residing in China, and has full capacity for civil conduct; has a legitimate occupation, a stable and legal source of income, and is able to repay loans on time; and has a good personal credit record .

Extended information:

China Everbright Bank (CHINAEVERBRIGHTBANK, China Everbright Bank) was established in August 1992. It is a national joint-stock commercial bank approved by the State Council and approved by the People's Bank of China. , headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.

As of the end of June 2021, China Everbright Bank has established 1,299 branches in the country, achieving full coverage of the domestic provincial administrative regional service network. The institutional outlets radiate to 149 economic center cities across the country. In 2021 China Everbright Bank ranks 32nd in the "Top 1000 Global Banks" list, and 25th in the 2021 "Top 500 Global Bank Brand Value Rankings".

China Everbright Group manages domestic and overseas business through China Everbright (Group) Corporation (Beijing) and China Everbright Group Co., Ltd. (Hong Kong). The highest decision-making body is the group's board of directors, which is authorized by the state to operate and manage the state-owned assets invested by the state into the group. The Group Party Committee plays a core political role in the Group. The group's supervisory board is appointed by the State Council.

The group has 6 wholly-owned enterprises, 2 holding companies, 7 joint-stock companies and 1 joint venture in China, including China Everbright Bank, Everbright Securities Co., Ltd., Everbright Sun Life Insurance Company and Financial institutions and enterprises such as China Everbright Investment Management Company. In Hong Kong, it owns two listed companies, Everbright Holdings and Everbright International, 37 wholly-owned companies, and 12 joint ventures and associated companies.

Credit cards refer to various media that record cardholder account information, have bank credit lines and overdraft functions, and provide cardholders with related banking services.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Is it easy to get approval for Everbright's credit card? What's the limit?

Answer: Hello, it's easy to get approval for Everbright's credit card. And the initial amount is not bad either. The main reason is that the amount increase in the later period is relatively stable, basically once every 6 months, but the amount increase is generally 15%.

There are two main ways to apply for Everbright Credit Card: one is to apply online. The other option is for the card clerk to come to your door. If you want to get a credit card with a high limit, then I suggest you choose a card clerk to apply for it at home. If you can't find a cardholder, you can choose to apply online. However, the amount applied online will be slightly lower, and the pass rate is not as high as that of cardholders.

The review conditions for Everbright Credit Card are relatively loose. Common input methods include: social security provident fund, our bank’s punch-in salary card, real estate and car property, local household registration, card application, and employment certificate, etc. As long as any of the above conditions are met, you can submit an application. As long as there are no problems with the credit report, the pass rate is very high. Therefore, compared with other commercial banks, Everbright’s credit cards are still easy to approve.

The initial limit of Everbright Credit Card is also relatively high. If you apply for a card by card, the card limit is generally close to the limit of the highest credit card you have. The frequency of quota increase at Everbright is generally once every 6 months. Moreover, the amount increase is relatively stable, and you can generally increase the amount as soon as the time comes. However, the amount of increase is relatively small, usually 15%-20%. For example, if your credit card limit is 10,000 and the limit increase is 15%, then it will be 1,500. The limit after the increase is 11,500. Therefore, for a card with a relatively small initial limit, you will feel that the limit increase is very small. But if your card limit is 50,000, then the limit increase is 15%, which is 7,500, and the limit after the increase is 57,000.

In addition to being easy to apply for and having a relatively high initial limit, the Everbright Credit Card also has another feature: it is “resistant”. There are very few risk controls. As long as there are no major problems with your card swiping posture, you will not be risk controlled. Naturally, there are rarely situations where the card is derated or blocked.

Finally, to summarize: Everbright’s credit cards are very easy to approve compared to other commercial banks. And the initial amount is also relatively high. The only fly in the ointment is that the amount increase is relatively small, and each increase is basically about 15%. But it improves every 6 months, which is very stable.

That’s it for the introduction of Everbright Credit Card.