What's the use of Changsha Bank Credit Card Gold Card

Changsha Bank Visa Credit Card is the first++credit card jointly launched by Changsha Bank and Visa, an international bank card organization.

triple gift for new customers

1. Activate the Visa credit card of Changsha Bank and you will receive the rights and interests of the VIP room of Huanghua Airport once (platinum card only);

2. During the activity, the original single-point transaction can enjoy double points;

3. If you swipe your card to meet the requirements, you can also win the boarding box of American Travel Rod.

Super benefits

With Changsha Bank Visa credit card, you can swipe all over the world, from fast Haitao and overseas travel to hotel courtesy and special shopping, and enjoy the benefits all year round.

top hotel's distinguished courtesy: three for two, free extended stay, free fitness, free WIFI and spa service;

department store privileges: various surprise discounts and exclusive discounts;

distinguished treatment for overseas travel: free return, airline red envelopes, travel discounts and Chinese tour guides.

What is the credit card of Changsha Bank

At present, the credit card issued by Changsha Bank is called Furong Credit Card, which is a standard credit card. According to different issuers, Furong cards are divided into official cards and personal standard cards. Generally speaking, as individuals, we handle personal cards of credit cards. The bank will give a certain amount according to the basic qualifications of the cardholder, and the cardholder can use basic credit card functions such as consumption and cash withdrawal within the credit line.

Credit card pass rate of Changsha Bank

The credit card review of Changsha Bank is strict. If the applicant does not meet the conditions for applying for a credit card of Changsha Bank, the application is likely to be rejected.

It should be noted that the application conditions of Changsha Bank's credit card require the applicant to work or live in the place where the issuing bank is located.

However, if approved, the amount of credit cards will generally be higher, which is also the advantage of small banks applying for credit cards.

First of all, the applicant should meet the basic conditions of Changsha Bank's credit card application,

that is, the applicant should ① be between 18 and 65 years old and have full capacity for civil conduct; (2) having a fixed residence or a work unit at the place where the issuing bank is located, and having a legal and stable source of income and solvency. Generally speaking, the application conditions of Changsha Bank credit card are relatively simple, and it should not be difficult to do the above.

Secondly, the applicant should have a good credit record, because after the applicant applies for a credit card, Changsha Bank can be authorized to inquire about its credit report, that is, it will know the applicant's assets, liabilities and inquiry records.

If the applicant has no bad records such as overdue loans and credit cards recently; The asset-liability ratio is within the controllable range; Without multiple loan approval records and other negative situations, it is relatively easy to apply for Changsha Bank credit card.

to sum up, whether the credit card is approved depends on the applicant's qualifications.

If you are a natural person with good credit, there is no problem. On the other hand, if you spend too much money on credit information, have too high debts, and have unstable income, it is also very likely that your application will fail.

is Changsha bank's credit card (debit card) good?

The credit card (debit card) of Changsha Bank is strictly examined. If a certain condition of the applicant fails to meet the application standard of Changsha Bank's credit card (debit card), the application is likely to be rejected. In addition, the application conditions of Changsha Bank's credit card (debit card) require the applicant to work or have a residence in the place where the issuing bank is located. Many people do not meet this condition alone.

However, if approved, the amount of card approval is generally higher, which is also the advantage of small banks applying for credit cards (debit cards).

Is Changsha Bank's credit card reliable?

Yes. The credit card of Changsha Bank is reliable. Established in May 1997, Changsha Bank is composed of Changsha Municipal Finance Bureau, Kaifu District Finance Bureau of Changsha City, Furong District Finance Bureau of Changsha City, Tianxin District Finance Bureau of Changsha City and Hunan Post and Telecommunications Administration Bureau.

can Changsha bank credit card withdraw cash?

Changsha bank credit card has the business of cash advance (including ATM), so it can withdraw money.

when Changsha credit card is overdrawn, the bank will collect overdraft withdrawal interest at the daily interest rate of .5 ‰ from the trading day until the overdraft withdrawal amount and overdraft withdrawal fee are fully paid off.

Extended information:

Personal credit card application conditions:

1. You must be at least 18 years old to apply for a credit card;

2. Have full capacity for civil conduct and a stable occupation and income;

3. Have a fixed residence and good credit status, and have the ability to repay on time.

Reference: Changsha Bank-Credit Card Charter

So much for the introduction of Changsha Bank's credit card.