What is the credit card quota for Baidu Wallet

Friends who often use Baidu Wallet will find that you can also apply for a credit card on Baidu Wallet app, which is very convenient and quick. In addition to being interested in how to handle the card, many friends also want to know how much credit they can get through this channel. Let's introduce it to you.

friends who want to apply for a card through this channel must first download a Baidu wallet app, and then enter their account password to log in. After logging in, find "Do Credit Card" in the homepage interface, and click it to enter Baidu Credit Card Center.

In Baidu Credit Card Center, you can apply for credit cards from ICBC, Shanghai Pudong Development Bank, China CITIC Bank, Minsheng Bank, China Guangfa Bank, Industrial Bank, Huaxia Bank, China Everbright Bank and Ping An Bank. The application method is very simple, just choose the issuing bank, choose the credit card, and fill in the application form and submit it.

is the pass rate of this method high?

for cardholders who apply for a card for the first time, applying for a card through Baidu wallet for the first time cannot guarantee 1% card release. So if you fail to apply for a credit card, you'd better not apply again immediately.

The credit card application should be comprehensively evaluated by the credit information system, and there are many reference factors, such as age, job stability, income, credit history and so on.

If the applicant's work or financial information changes, he can re-submit the information for application after 3 months. All the application materials submitted by the applicant will be properly handled by the bank to ensure privacy and safety.

how much can I get?

although Baidu wallet is also a channel to apply for a card, it can't play a decisive role in the amount of credit card application, because Baidu wallet's application for a credit card is actually a kind of online credit card application. Online credit card application and banks decide whether to approve the card and the amount of credit card according to the credit status of the cardholder.

So, the credit card amount will not be differentiated by the application channel. However, although it is convenient and quick to apply for a credit card online, this application method does not need to provide financial proof, so the credit card quota may be relatively low.

However, if the cardholder can provide financial proof under his name, such as real estate license, automobile driving license, work income certificate, etc., the amount obtained should be higher.

How long will it take for Baidu wallet to return the credit card?

Using Baidu wallet to exchange credit cards will inevitably lead to repayment failure. However, don't worry, even if the repayment fails, the money will be returned the same way. Then, how long will it take for this refund to arrive? Let's introduce it to you.

Before that, let's know where the refund will go.

There are two main ways to pay back the credit card with Baidu wallet. One is to bind a savings card to Baidu wallet to pay back, and the other is to use the balance in Baidu wallet to pay back the added credit card. Therefore, there is a difference between a failed refund and the way you choose to pay, but they are all returned by the original way.

Simply put, if you use the bound savings card to repay the loan, then the refund will naturally be returned to your savings card; If you use the balance of your Baidu wallet to repay, then the refund will naturally be returned to your balance in the same way.

Then, let's take a look at the situation that Baidu wallet returned the credit card to the account.

Baidu wallet failed to return the credit card, and the refund did not arrive in time, and the arrival time was different according to your payment method, as follows:

1. Bank card payment: If the repayment fails, the funds will be returned to the original bank card within 1-2 working days, up to 7 working days;

2. Balance payment: If the repayment fails, the funds will be returned to Baidu wallet to pay the balance within 1-2 working days, up to 7 working days;

Reminder: incorrect credit card information, cancelled credit card or abnormal credit card status, network status fluctuation, etc. will all lead to repayment failure. Since the time of payment failure is uncertain, you must do these things well before repaying the credit card:

1. Check whether the account name matches the bank account name;

2. Check whether the bank account number exists or whether the account number is wrong;

3. Check whether the savings card you use for repayment supports Baidu wallet and credit card.

Can I apply for a credit card in Baidu?

You can apply for a credit card in Baidu, and there are other application channels.

Baidu's demonstration of applying for a credit card:

1. The computer opens the browser, and Baidu searches for "credit card application"

2. Click on the link as required (for example)

3. Select a card

4. Fill in the information

5. There are many ways to submit

a credit card application after the information is perfect, including: <

2. On-site recommendation;

3. Counter handling;

4. Third-party platform application;

5. Credit card website.

To apply for a credit card, two conditions must be met:

1. Good qualification: Good qualification generally requires a stable job and a certain financial foundation, such as income, age, credit, position, social security, industry, housing, vehicle, company size, other credit and marriage;

2. Good credit investigation: As long as the applicant has bad credit records such as overdue, it is difficult to apply for a credit card. To get a credit card smoothly, having a good credit investigation is one of the most basic conditions. There are no overdue records, including credit card overdue repayment records and loans overdue repayment records.

citic Baidu financial co-branded card: the exclusive black card for young people

do you want a black card with high-end atmosphere and low threshold? It must be right to choose this CITIC Baidu Financial Co-branded Card. This credit card is a black card for young people jointly created by CITIC Bank and Baidu Finance, and all kinds of rights and interests are quite good.

If you don't know much about this credit card, and want to know some basic information about it, such as application conditions, annual fee, limit, rights and interests, you can learn about it together.

I. What kind of credit card is CITIC Baidu Financial Co-branded Card

According to reports, CITIC Baidu Financial Co-branded Card is an important step in the cooperation between Baidu Finance and CITIC Bank. The two sides have opened up online and offline rights channels through strong alliances, subverting the traditional credit card points model and creating a "black card for young people" for the Internet community.

from the outside, this co-branded card is the first time to adopt a hollow black design in domestic credit cards, and it has two choices: UnionPay and VisaSignature. Not only the appearance is attractive, but also the high cash back has become the "killer" of this credit card.

the unionpay version of the co-branded card can enjoy 3% cash back after spending with Baidu wallet, while new users who apply for VISASignature for the first time can enjoy up to 1% cash back when using the co-branded card to pay overseas.

ii. what are the requirements for applying for a citic-Baidu financial co-branded card

because it is a co-branded card of BOC and Baidu finance, both parties provide an application entrance in the application channel.

If you are interested in this card, you can open Baidu wallet and click "Apply for Credit Card". If you feel it is safe to go to online banking, you can also open CITIC Bank Credit Card official website, find this co-branded card and click Apply.

It should be noted that you don't need to provide any information to apply for a credit card online, so the bank can only decide whether to give you a card based on the comprehensive evaluation of the application form and credit information you have filled out. Therefore, in order to improve the success rate of applying for a card, we have to master some skills in filling out the form.

For example, the income column can be filled in higher; The higher the education level, the higher the score; Fill in the fixed telephone truthfully, if not, you can fill in the fixed telephone of relatives and friends; Fill in the mobile phone number correctly and so on.

III. How much can I get for applying for CITIC Baidu Financial Co-branded Card

When granting credit card overdraft, CITIC Bank will check the upper limit according to the applicant's credit status. The specific reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets and so on. One score segment corresponds to one result, and cards are never approved.

In addition, there are differences in the credit card quotas of different levels of CITIC Bank. Take Baidu Financial Co-branded Card for example. This credit card is positioned at the gold card level, and its quota range is naturally similar to that of CITIC's gold card, generally between 1, yuan and 5, yuan. Everyone's situation is different, and the amount obtained is also different.

IV. What is the annual fee of CITIC Baidu Financial Co-branded Card?

Baidu Financial Co-branded Card is a gold card, which can enjoy the gold card rights of CITIC Bank. Of course, while enjoying the rights, it has to pay an annual fee to the bank like all gold cards. The annual fee is different according to dual-currency cards and single-currency cards:

1 dual-currency card: the main card is RMB/year in 3 yuan, and the supplementary card is RMB/year in 15 yuan.

2 single-currency card: the main card is 2 yuan RMB/year, and the supplementary card is 1 RMB/year;

however, this co-branded card is free of annual fee in the first year, but the prerequisite is that you must use this card to spend money once or withdraw cash once within 3 days of checking the card to enjoy this preferential annual fee policy. In addition, if you swipe your card or withdraw cash for 5 times within one year, you can also reduce the annual fee for the following year.

V. Matters related to the cashback of CITIC Baidu Financial Co-branded Card

In addition to its attractive appearance, CITIC Baidu Financial Co-branded Card has the biggest advantage that it can return cash for credit card consumption, and the amount returned varies according to different versions.

there are two main types of cash back for Baidu financial co-branded cards, one is 3% for UnionPay card, and the other is 1% for overseas payment of VISA card, as follows:

1. After applying for UnionPay co-branded card, bind the credit card in Baidu wallet and spend it in Baidu glutinous rice, Baidu take-out, Uber, Youbao, Mi Yuan and other scenes, and enjoy 3% cash back, with a maximum monthly 2 yuan.

2. new customers of Visa version of co-branded card can enjoy up to 1% cash back of the transaction amount when they use the co-branded card to pay overseas, with a maximum cash back of $1 per month.

however, if you want to participate in cashback, you must register first to enjoy cashback qualification. If you have already registered cashback, you can enjoy cashback for transactions in and after the month of registration, and cashback is naturally returned to the cardholder's credit card account, and the cashback time is before the end of the next month.

The above is the analysis and introduction of all aspects of this CITIC Baidu Financial Co-branded Card. If you think it's good, please praise it. If it's not comprehensive enough, please feedback the questions you want to know, and then make it up. I sincerely hope this strategy can help you.

how to swipe an electronic credit card

The electronic credit card has no physical card, and the average user can only get it. At this time, if you want to use it, you should choose a credit card when paying. It should be noted that when using credit card to pay, the merchant needs to open the corresponding authority, otherwise it cannot be used.

The specific steps of swiping an electronic credit card are as follows:

1. Take Baidu's electronic credit card as an example, open and log in to Baidu's mobile app.

2. Then click Baidu Flash Pay.

3. click the payment code.

4. Check that I have read and agree.

5. click open now.

6. enter the password of the electronic credit card.

7. The QR code of payment code pops up on the page, and you can swipe your card by scanning the QR code when you consume.

after using the electronic credit card, the repayment must be made on time, and there can be no overdue repayment, because there will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be. Moreover, after the deadline, the bank will collect the money. The common collection method is to call the borrower until the user returns it.

it should be noted that electronic credit cards, like physical cards, can also lead to poor personal credit information when they fail to repay on time, which will affect the subsequent handling of various loans, such as car loans or mortgages. Moreover, after the arrears are returned, they will be kept on the credit report for five years, and will automatically disappear after five years.

version information: take Baidu 13.8.1.1 version, Apple 13(IOS15.4.1 system) and Huawei mate4(HarmonyOS2 system) as examples.

so much for the introduction of Baidu credit card.