How about the credit card of China Construction Bank

As we all know, individuals who have reached the age of 18-65, have full capacity for civil conduct, have a legitimate and stable source of income, and have good credit standing can apply for a credit card. However, in the end, whether the card can be approved smoothly depends on the number of people. From many card gods, it is easier for these five types of people to apply for credit cards.

when approving credit cards, banks will score according to the qualifications of applicants. The higher the score, the easier it is to approve cards. Applicants who generally meet the following characteristics will not get much lower scores.

1. Have a steady income

In other words, a stable job. Whether the job is stable and whether there is income can reflect whether the applicant has the repayment ability from the side. However, each bank has different views on this income stability.

For example, the four major state-owned banks, for them, the objects of stable jobs are generally employees of public institutions or state-owned enterprises, or employees of top 5 enterprises. Such people's jobs are quite stable, and their income is higher than that of ordinary people, so their repayment ability cannot be underestimated.

However, for joint-stock commercial banks, as long as they have jobs and income and work for more than three months, they are stable. For the applicant's work unit, they are generally not picky, as long as they are not engaged in high-risk occupations, it is relatively easy to get off the card.

Second, people with large rated deposits in banks

People with more than 5, large rated deposits in banks are generally high-quality customers of banks. In the eyes of banks, such people have deposits, so they don't have to worry about their repayment ability. In addition to applying for a credit card on their own initiative, such people will be invited by the bank to apply for a card.

So, if you want to apply for a credit card from a bank, it is also a common practice to open an account in that bank to save money to buy wealth management products.

Third, 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 21, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank approved cards for college students.

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

Fourth, there is a mortgage in the bank

If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1,. If you want to run a credit card of four major state-owned banks, you can try this method.

Some cardholders reported that they applied for a CCB credit card online and got a gold card with a quota of 1, yuan.

Of course, it is not always possible to apply for a credit card in these four situations. This is only a common situation.

If you want to apply for a credit card soon, the second of the three situations is the most likely to meet the requirements. As for how much deposit each bank needs, it is recommended to be more than 5,. After all, deposit banks with less than 5, are ignored.

is CCB's credit card reliable?

CCB's credit card is certainly reliable, because CCB's credit card is a regular credit card.

I don't know what criteria you use to evaluate the reliability of credit cards. If you don't have extra credit card demand, in fact, the credit cards of each bank are basically the same, because the functions of credit cards are basically the same. If you have special needs, such as frequent business trips or going to consumption abroad, you can apply for a credit card that meets the relevant requirements. Otherwise, the credit card of China Construction Bank is no different from other banks.

1. CCB's credit card is reliable.

We've always said that China Construction Bank is one of them. The scale of China Construction Bank is particularly large, and its business hall basically covers every corner of China. If you want to apply for a credit card of China Construction Bank, the credit card of China Construction Bank can basically meet the daily consumption needs of users and is particularly convenient to use. China Construction Bank has also launched an APP specifically for user operation, where you can handle various businesses.

second, the credit card limit of CCB is generally low.

Although the credit card of China Construction Bank is reliable, compared with other commercial banks, China Construction Bank generally does not give users a too high credit line. I used to apply for a credit card from Zhang Jianshe Bank, and China Construction Bank only gave me a credit line of 5, yuan, while other banks in China basically paid more than 3, yuan. To some extent, China Construction Bank did not pay special attention to the credit card business.

third, I suggest you apply for a credit card from another bank.

It's not that the credit card of China Construction Bank is not good, but because the credit card is not the core business of China Construction Bank. If you want to use credit card service, I think other banks may give you a higher credit line and more welfare benefits. I mainly recommend China Merchants Bank and Guangfa Bank. You can choose the specific cards of these two banks according to your own needs, so I won't recommend them by name.

is it easy to handle the credit card of China Construction Bank? Yes, it is

easy to handle. The credit card of China Construction Bank is relatively easy to apply for. As long as the applicant is at least 18 years old and has full capacity for civil conduct; At the same time, with stable repayment ability, in principle, you can apply for a credit card. When China Construction Bank approves whether to issue a credit card for you, it mainly depends on your repayment ability and credit status, so it is necessary to provide personal information and asset certificates as much as possible. If the income is unstable or the credit status is not good, it is generally difficult to obtain approval.

it depends on your own personal credit, which is what we often refer to as personal credit reporting. If you've never used any credit card before, you're a white credit card user, and it's very difficult for a white credit card user to apply, which means that you can apply for a credit card from any bank at will. The same is true for China Construction Bank, which generally gives a white credit card a quota of 5, to 1,.

if you have used a credit card before, you need to know the concept of the total credit line of the central bank. Within the total credit line of the central bank, you can apply for a credit card of China Construction Bank, which is generally difficult to apply for, and there are also requirements for users' personal credit information. In most cases, you can't check your credit card records more than 1 times in the past year, otherwise it will be difficult to apply for the credit card of China Construction Bank.

: precautions for using credit cards?

1. Pay attention to consumption. In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally have several large purchases. In addition, we should also pay attention to avoid spending money in the same place frequently. Some friends spend a lot of money several times, but instead of approving the withdrawal, the bank freezes the credit card because of the risk of cashing out.

2. Pay attention to the quota. Friends who want to increase the amount of credit cards must pay more attention to the changes in the amount of active credit cards, especially the use amount and available amount. The higher the ratio of the used credit limit to the credit limit of your credit card, the higher the probability that the withdrawal application will pass.

3. Inquire about credit information. If the cardholder has met the credit card withdrawal conditions, it is best to check your personal credit information first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of withdrawal.

How about the credit card of CCB

The credit card of China Construction Bank is better and easier to apply as long as the applicant is over 18 years old and has full capacity for civil conduct; At the same time, with stable repayment ability, in principle, you can apply for a credit card. When China Construction Bank approves whether to issue a credit card for you, it mainly depends on your repayment ability and credit status, so it is necessary to provide personal information and asset certificates as much as possible.

1. What is a credit card? A credit card, also called a debit card, is a credit certificate issued by a commercial bank or a credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

2. Credit card-company card and personal card: company card. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

3. Credit card features: cash is not allowed to be pre-deposited, and it can be repaid after consumption. It enjoys an interest-free repayment period, and can be repaid by installments (with minimum repayment amount). It has joined international credit card organizations such as VISA, MasterCard and JCB for global use. It is one of the fastest-growing financial services today, and it is an electronic currency that can replace the traditional cash circulation in a certain range. At the same time, it has two functions of payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards.

4. Advantages of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is to make ordinary consumption without cash in the card. In many cases, it is only necessary to return the amount of consumption on time.

This is the end of the introduction about whether the credit card of CCB is good or not. Did you find the information you need?