Is it difficult to apply for a Hua Xia Bank credit card?

Not big. Because the application conditions for Hua Xia Bank's credit cards are relatively loose, you need to have a stable source of income. The specific results are subject to the bank's review.

The following conditions are required to apply for a Hua Xia Bank credit card:

1. Basic age requirements. Applicants must be over 18 years old, have full civil capacity, and hold a valid identity document.

2. Working conditions are also one of the requirements. Applicants must have a stable job and income. A stable job allows the bank to ensure that the applicant has the ability to pay off the credit card account.

3. Good personal credit report. Cardholders with credit cards should all know the importance of personal credit report in life. A good personal credit report is helpful for borrowing, applying for credit cards, raising limits, etc. is useful.

4. You can also apply for a Huaxia Bank credit card by card. If you hold a credit card from another bank, you must ensure that the credit card has been used for more than 9 months. In addition, you must have good repayment habits. Provide social security certificate.

5. Although it is not necessary to properly display personal assets, it will allow the bank to have a certain understanding of the applicant's financial resources. The amount of fixed assets determines the credit card limit to a certain extent.

Then Hua Xia Bank credit card limit:

1. Hua Xia Bank credit card limit is 2,000 yuan to 20,000 yuan;

2. Hua Xia Bank credit card limit The card limit is 5,000 yuan to 50,000 yuan;

3. The Hua Xia Bank Credit Card Titanium Card has a limit of 20,000 yuan to 200,000 yuan;

4. Hua Xia Bank Credit Card Platinum Card The credit limit of the card is 30,000 to 500,000 yuan.

Of course, the specific limit still depends on the bank’s systematic assessment of the amount that should be granted based on the information submitted by the applicant.

Materials required for Huaxia Bank credit card application:

1. Proof of identity: usually an ID card (photocopies of the front and back sides are required), and military personnel need to provide a copy of their military ID;

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2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or work permit/plate Copy;

3. Proof of financial resources: it can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank A copy of the time deposit certificate) and other information that can prove your financial level.

4. Other documents available for reference include: social insurance personal account list for the past 6 months, water and gas bills, credit card bills from other banks, etc.

Is it easy to pass a Hua Xia Bank credit card for a white account?

It is still not easy to pass a Hua Xia Bank credit card for a white account, because the credit report of the white account is blank, so the bank cannot know you. credit situation, so it is more difficult to apply for a card. Even if it is approved, the credit limit may be relatively low or even non-existent. But you can try to apply. Even if the limit is low or there is no limit, you can still deposit money and use the card. If you keep using it for a period of time, you can still increase the limit.

Is it easy to get approved for Hua Xia Credit Card? What is the limit?

It is relatively easy to apply for a Hua Xia Bank Credit Card. To apply for a Hua Xia Credit Card, you only need to provide: ID card, work certificate or a copy of your work badge. As long as you have a regular job and income and meet the application conditions for a Hua Xia Bank credit card, you can apply.

Hua Xia Bank’s credit card application limits are very high.

Hua Xia Bank Credit Card Application Requirements

Application Requirements

The application conditions for Hua Xia Bank Credit Card are relatively loose. You only need to meet the following three requirements.

1. Age requirements: Domestic applicants must be persons with full capacity for conduct and be between 18 and 65 years old, while overseas applicants must be between 25 and 65 years old.

2. Working conditions: Applicants must have a stable job, income and fixed residence.

3. Personal credit conditions: The applicant has no bad credit record.

Application materials

In addition to meeting certain application conditions, you also need to provide some application materials when applying for a Hua Xia Bank credit card. Application materials are divided into necessary information and auxiliary information. Necessary information, as the name implies, is the information that applicants must provide, and the provision of auxiliary information can help you improve your approval rate and credit limit.

1. Necessary materials - proof of identity

Applicants from home country need to provide a copy of resident ID card or military officer certificate; if you are a compatriot from Hong Kong and Macao, you need to provide a mainland travel permit and A copy of the residence certificate for more than one year; if you are a foreigner, just provide a copy of your passport and residence certificate for more than one year. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book.

2. Necessary materials - proof of work and income

It can be the original work certificate issued by the employer or a copy of the work permit/plate. If you provide a work certificate issued by the company, the specific company name, department, position and income must be stated, and the company seal or personnel seal must be stamped.

3. Supporting materials - other asset certificates

Academic qualifications, professional titles, professional qualification certificates, self-owned real estate certificates, self-owned car driving licenses, copies of Hua Xia Bank time deposit certificates, cash Any original receipt for the telephone, water, electricity, and gas bills of the place of residence in the past three months, and other bank and credit card supporting documents (the originals of the last three statements), etc.

Is it easy to apply for a Hua Xia Bank credit card?

Hua Xia Bank Credit Card is okay. It is a credit card with both advantages and disadvantages. Its advantages include a longer interest-free period, flexible repayment methods, many credit card promotions, many credit card value-added services, and a slightly lower application threshold. wait. The disadvantages include strict risk control, fewer bank service outlets, and charges for notification text messages. However, each bank's credit card has its advantages and disadvantages. As long as the advantages outweigh the disadvantages, it is enough for users.

In addition, when users apply for a Hua Xia Bank credit card for the first time, try to choose a card with a low level. This will not only increase the pass rate, but also help increase the actual card limit.

1: What is Hua Xia Bank

Hua Xia Bank was established in Beijing in October 1992 with the care and support of Deng Xiaoping, the chief architect of reform and opening up. Shareholding reform was implemented in March 1995; in September 2003, the bank issued shares for the first time and was listed for trading (stock code: 600015), becoming the fifth listed bank in China.

As of the first half of 2019, total assets were 3.02 trillion yuan, total loans were 1.78 trillion yuan, and total deposits were 1.68 trillion yuan. It has established 42 first-level branches and 68 second-level branches in 110 cities at or above the prefecture level, with a total of 1,017 business outlets and nearly 40,000 employees, forming an institutional system that "based on economically developed cities and radiates across the country" . ". It has established 1,330 domestic and overseas agent banks, covering 334 cities in 102 countries and regions on five continents, and has built a settlement network covering major trade areas around the world. Among the 1,000 global banks selected by "The Banker" in July 2019 Hua Xia Bank ranked 56th in the world in tier-1 capital and 67 in the world in terms of asset size, rising 9 and 3 places respectively from the previous year. In Forbes magazine's 2019 list of the world's top 2000 listed companies, Hua Xia Bank ranked No. 265, an increase of 24 from the previous year.

2: What is a credit card?

A credit card is a non-cash transaction payment method and a simple credit service. The plastic card is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by a bank or credit card company to the cardholder based on the user's credit and financial resources. The cardholder does not need to pay cash when using the credit card and repays it on the settlement date. . Except for the combination of some credit cards and debit cards, general credit cards are different from debit cards and ATM cards.

Credit cards are issued by commercial banks to individuals and organizations. A special carrier card with consumer credit for shopping, spending and depositing and withdrawing cash from banks.

It is in the form of a card, with the name of the issuing bank, validity period, number and cardholder's name printed on the front, and a magnetic strip and signature strip printed on the back.

A real credit card has the following characteristics: cash deposits are not encouraged, consumption is done first and repayment later, interest-free repayment period is available, repayment can be made in installments (minimum repayment amount), and international credit cards such as visa and master are included. Card organization for global use.

That’s it for the introduction of Hua Xia Credit Card.