in fact, many people can't play with credit cards, which is a blast. Credit cards are for me to save money. If you can't save money, then swipe a card regularly. I think it's useless to cancel your business and Bank of China. It is better to apply for cards from several other banks. It's better to be the kind with a purpose.
I only have one card, which belongs to China Construction Bank, and I also want to cancel it, but the process is quite difficult. It's no use keeping the card. You have to use it three times to avoid the annual fee. I have used it less than three times, and I have stayed in the desert Gobi all the year round, and I can't spend all my money. < P > Hello, Ma Penglong, a financial adviser, said to help you answer this question. I suggest you cancel the three cards of Bank of China, China Construction Bank and Transportation. Let me give you a simple analysis.
Let's talk about transportation first. Transportation is a bank with the strictest risk control, and your credit limit is only 5, yuan, so it is very difficult to raise the amount. Although transportation has a good loan, the fixed credit limit of your card is too low, and it is difficult to raise the amount, and it is difficult to issue loans outside the card. Therefore, the first bank that I suggest you cancel is Bank of Communications. After your overall qualification is improved, you can apply for a credit card of Bank of Communications again, and it is possible to directly get off.
The next ones to be cancelled are China Construction Bank and China Bank. First of all, the credit lines of these two cards are not high, and they are not more than 1, yuan. In addition, it is very difficult for these two banks to raise the credit line. China Bank can only raise the credit line once a year, and it needs a large amount of assets. If you go abroad frequently, you can swipe the Bank of China card to raise the credit line faster, and China Bank consumption abroad's cashback is also very powerful. If this is not satisfied, There are also China Construction Bank and China Construction Bank. Although the zero-hour quota is very large, it is difficult to increase the fixed quota, unless you have a car loan or a large deposit slip in China Construction Bank, so that not only the fixed quota of your credit card will increase quickly, but also China Construction Bank has a loan called fast loan, with a maximum credit line of 3,. The system automatically invites credit to the white list without any collateral and audit. However, without what I said, China Construction Bank will have to cancel it.
Ok, let's talk about it again. The remaining banks are, first of all, CITIC Bank. Although CITIC Bank only has a quota of 5, yuan, it is not high, but CITIC Bank has an advantage that it can raise the quota in a curve. You can directly raise the quota in three months or more, and there is no problem if it reaches 2, or more. More importantly, CITIC Bank has a dream, money and new money.
next, ICBC, ICBC, you have a mortgage, which is a plus item for credit card withdrawal, but maybe you haven't understood the system of ICBC. If you understand it, it is very easy to withdraw 5 yuan directly to 51 thousand or even 2 thousand. I suggest you read my previous article about ICBC, and ICBC's credit card has many rights and interests, and the most important thing is that it can be exempted from annual fees.
The last card to keep is Minsheng Bank. The reason is very simple. Minsheng Bank has the highest credit line among all your cards, which can temporarily support you. Moreover, Minsheng Bank has a faster credit line. More importantly, Minsheng Bank also has a post-card loan, and the maximum credit line is 3,. Therefore, I suggest you keep this card.
To sum up, you should cancel the credit cards of Bank of Communications, Bank of China and China Construction Bank, while you should keep the credit cards of ICBC, China CITIC Bank and Minsheng Bank. Well, that's all for my answer today. For more credit card knowledge, please pay attention, Ma Penglong said.
BOC can get a quota of 91, which means that your job qualification is very good, or you have a lot of assets in BOC. Bank of China can get 91, which is supposed to be at least 2, in other banks, but the result is indeed five or six thousand, which shows that your card application channel is useless, or there are problems in filling out and submitting materials, resulting in such a low quota.
ICBC has a mortgage, so it only gives a quota of 5,, which shows that there are not many mortgages. Another situation is that there are few repayment months, and ICBC invited you and did it immediately. If the loan amount of ICBC is not more than 5, yuan, or if you don't want to put all the funds in ICBC to support it, ICBC can cancel it. Because ICBC values capital, there is not a lot of money to play, and the quota is limited.
CCB is also one of the four major state-owned banks. If there is no mortgage, car loan or other loans in CCB, it is not recommended to keep them. The four major banks value assets.
BOC can get a quota of 91, which means that your job qualification is very good, or you have a lot of assets in BOC. Bank of China can get 91, which is supposed to be at least 2, in other banks, but the result is indeed five or six thousand, which shows that your card application channel is useless, or there are problems in filling out and submitting materials, resulting in such a low quota.
ICBC has a mortgage, so it only gives a quota of 5,, which shows that there are not many mortgages. Another situation is that there are few repayment months, and ICBC invited you and did it immediately. If the loan amount of ICBC is not more than 5, yuan, or if you don't want to put all the funds in ICBC to support it, ICBC can cancel it. Because ICBC values capital, there is not a lot of money to play, and the quota is limited.
CITIC and Communications are recommended to be retained. Commercial banks can increase their credit lines relatively quickly, and at the same time, the back-end loans are very high, with a fixed credit line of 5,, which can give about 15, back-end loans. Assets are available, and it is easier to mention them.
Minsheng Bank gave 2, yuan, which shows that the right method was used when applying. At this stage, it is very easy to support people's livelihood and increase the quota, and the speed is still fast.
My suggestions are divided into two types:
If funds are tight at this stage, first cancel those that are difficult and slow to raise the quota, such as ICBC and CCB. After the quota of other banks comes up, we will cancel the Bank of China.
If the funds are not tight, only BOC and Minsheng will be kept, and all others will be cancelled. Then BOC and Minsheng will be taken care of, to see which one can raise the quota faster and higher. After half a year, the highest bank will be used to handle the card. Half a year after joining, Minsheng mentioned 3, yuan, and you can use Minsheng to apply for a card. The amount of the card is at least 3,+.If you don't use the funds in a hurry, you can continue to raise it. If you raise it to more than 5, yuan, you can apply for a card with a card. At that time, the amount will be higher. It saves a lot of time and energy than raising it slowly from 5.
The wealth consultant of New Ant Financial Business Institute focuses on financial business consulting, financing consulting, real estate investment consulting, credit card withdrawal guidance, etc. Welcome to pay attention and share dry goods every day!
I'd like to keep an ICBC credit card and the oldest one!
1: ICBC's violent withdrawal is not just a casual remark!
but first, you have to meet the conditions for his withdrawal (deposit! Stars! )
Your ICBC has a mortgage (if you just bought a house, it won't be so easy to raise the amount: the debt is too high! )
personally, if you want to withdraw money quickly, save it! Brush brush!
2 longest time: there must be no overdue and no minimum repayment!
(Any bank will read a personal credit report and big data when handling a credit card, so the credit source is the repayment record! The longer the time, the better the repayment, so the credit score will be higher
Big data: online loan! Credit! Don't touch!
The following is my personal opinion: If you want to reduce the debt with a relatively high amount, use the card well, and it will take a long time! All unused ones with low quotas are cancelled! You can keep the 2, yuan, and if the industrial and commercial enterprises don't have deposits and stars, they will sell it (it won't be mentioned in a short time)
Keep the 2, yuan and the longest one! If all the cards don't last more than one year, please use them at will, and sell all the cards that can be sold (the one that stays the longest is enough)
CITIC Platinum Card (sales) costs 48 yuan! ! ! It's no use yet
Hello, you have six credit cards, keep three and cancel three. Let me give you some advice. First, when you use a credit card, you must first raise the limit. If it is easier to raise the limit during your use, I think you can stay first. Although the current quota is not high, it can be raised, and the future quota will certainly not be very low, and it will be more convenient to use money in the future. Second, the use of credit cards can be preferential and convenient, and this credit card can also be kept. If you have a car, I suggest you start with Minsheng Car Card and CCB ETC Card. Third, if credit card points are valuable, you can also consider them. Many people will ignore this problem, and points are valuable, which is also a discount that banks give you in another way. If there is a Wal-Mart supermarket near you, I suggest you leave a Wal-Mart co-branded card for transportation. Integral is the more valuable kind. Credit cards also need to guard against risks. Where is this risk? Many people don't know that most credit cards have a buffer period of more than three days and will not be blacklisted. Except for one bank. This bank is ICBC. If you have ICBC, I suggest you give it up. It's not that ICBC is bad, but from the consumer's point of view, we need to pay attention to the risks. So keep CCB, Bank of Communications, and Minsheng. What I said may not be suitable for you, but if you choose according to my method, you will find something that suits you. Have a good time with your card!
it is recommended to keep one ICBC credit card, and too many credit cards are also cumbersome. I have used CCB credit card, and it can't be compared with ICBC credit card. I compare it from the following aspects:
First, the credit card repayment cycle of ICBC is longer than that of CCB.
second, ICBC's credit card does not need to be changed for at least five years, while CCB has to change it every three years. Moreover, CCB sends a registered letter to the local post office, and the post office informs you to get the card. Icbc never sends cards through the post office, but ICBC sends people to deliver them to your door.
Third, the approval procedures for issuing credit cards by ICBC are more complicated and strict, while CCB is more casual, and there are people selling credit cards outside the supermarket.
Therefore, it is suggested that ICBC credit card must be the first choice no matter how many credit cards are kept. All the credit cards of other banks should be pushed out, and ICBC credit cards should also be kept.
Personally, it may be the wisest choice to keep all six credit cards. Details are as follows:
First of all, these six credit cards have been completely displayed in your credit record. Assuming that there is a new demand for credit cards after cancellation, reapplying for credit cards will add an additional credit card application record to the credit report, which runs counter to the original intention of canceling the cards.
Secondly, each bank's credit card has its own preferential activities, so it would be a good choice to keep the occasional "bonus hunter", after all, it can save money with real money!
finally, for some customers who cancel their credit cards, they may encounter a lot of obstacles in re-applying for credit cards in the future, so canceling their accounts may be due to obstacles!
In addition, I would like to remind you to pay attention to the card charging policy. If you don't use the credit card, you will be advised to cancel it, so as to prevent the forgetting of the annual fee from causing arrears, affecting the credit investigation, and the loss will outweigh the gain.
I'm Xing Jian, a little apprentice to a private banker, sharing reading notes and financial management knowledge!
cancellation of transportation, citic platinum card and industry and commerce.
First of all, credit card users generally care about the amount, the amount of transportation is low, and the amount of withdrawal is low, so the amount of credit card is so low, which can be seen whether it is used or not.
furthermore, the amount of platinum cards is generally more than 3,, but the amount given by CITIC is rare. Moreover, there is an annual fee for platinum cards, and the annual fee is non-deductible. Generally, banks can only reduce the fee if they spend more than 2, yuan, but it will not be reduced in the first year.
finally, ICBC's credit card limit is generally low, but the attached car or real estate is generally large. Here, ICBC's credit card can be cancelled. This card should be processed before the mortgage application is made or the mortgage is returned, or there is no attached real estate material. After cancellation, you can take the real estate materials to the bank for a new one, which is basically large.
as for the construction, it is not easy for BOC and the four major banks to apply, and they are quite useful in life, so they can stay.
ICBC and BOC of the four major banks will definitely have to stay. The credit cards of the four major banks are not easy to handle, and then the rest will be left with a large credit card.