How to apply for unlimited credit card of China Bank?

China Bank Unlimited Credit Card is mainly issued to high-end customers. You can consult with your wealth management manager or your local BOC outlet about handling the card.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

you are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

what are the unlimited overdraft credit cards? What are the processing conditions?

Unlimited overdraft credit card, as the name implies, means that you can swipe your credit card whenever you want. You can overdraw your credit card indefinitely without worrying about the credit card limit. It is also enviable to think about it. This is more representative of identity and status than the so-called large credit card, high platinum card and gold card.

1. What are the unlimited overdraft credit cards?

Unlimited credit cards are available in relatively few banks in China. The top credit cards of banks that are more advanced than ordinary platinum credit cards have a higher credit threshold. Generally speaking, the limit of unlimited credit card is not really unlimited, but the overdraft limit is higher, generally more than 1 thousand yuan, which varies according to the social status and wealth of users. Therefore, it is basically impossible for ordinary people to apply for unlimited credit cards. Let's watch the local tyrants.

China Merchants Bank's credit card is the first top credit card in China to face the top domestic rich, but the application rate is relatively low. There are also credit cards from China CITIC Bank, Shanghai Pudong Development Bank and China Guangfa Bank. The starting point of diamond credit card of China Everbright Bank is 3, yuan, and the starting point of China Construction Bank is as high as 5, yuan. In terms of overdraft limit, the maximum limit of many banks such as China Merchants Bank and Bank of Communications is 3 million yuan, and the maximum limit of CCB Diamond Card can reach 5 million yuan.

Citibank's black credit card named Ultima and American Express's black credit card named Centurion in 1999 (China Merchants Bank Centurion Black Gold Card) do not accept applications, and only banks actively invite customers to join. For black card holders, there is no such thing as "credit limit", which is the so-called unlimited overdraft credit card.

2. Conditions for handling unlimited overdraft credit cards

Most banks don't accept customers' applications for unlimited cards. They send invitations on their own initiative, and customers can only apply after receiving the invitations from the banks. Customers with unlimited cards are required to have a good credit record in addition to the annual income of several hundred thousand yuan and a certain amount of assets in the bank. According to the financial manager of private bank of Sichuan Branch of Bank of Communications, the standard for Bank of Communications to handle unlimited cards is that the financial assets of customers reach more than 8 million yuan.

3 rights and obligations of unlimited overdraft credit cards

Of course, customers who apply for unlimited cards can enjoy the top services provided by banks. VIP access to global airports, aviation accident insurance amounting to tens of millions of yuan, preferential services from many golf courses and invitations to golf matches, as well as one-on-one private business travel secretaries. Most banks also closely follow the consumption and life needs of these business people and provide a series of value-added services to meet their customers. Different from ordinary credit cards, the annual fees of platinum cards and diamond cards are almost inevitable, usually as high as several thousand yuan or even tens of thousands of yuan. (Comparing the annual fees of ICBC Centurion Black Gold Card and Platinum Card)

What is an unlimited credit card?

Unlimited credit cards are some high-value credit cards issued by banks, which are similar to diamond cards and black cards. They are usually launched for high-end people such as business owners, business executives and business travelers. Compared with ordinary credit cards, unlimited credit cards have very high credit lines, and some even have unlimited credit lines.

There are strict restrictions on the issuance of unlimited credit cards, and all of them are invited to apply for cards. At the same time, the access conditions for handling unlimited credit cards are very strict, which usually requires applicants to have a large amount of assets and a certain social status and influence. Now some commercial banks have launched unlimited credit cards, and their overdraft limits are not the same.

Extended information:

Precautions for the use of credit cards:

China Merchants Bank's unlimited credit card is the first in China to adopt the++card issuance mode of active invitation, that is, only customers who receive the invitation letter from China Merchants Bank are eligible to apply, thus achieving the strictest screening for high-end customers. The annual fee is 1, yuan, and the amount varies according to the conditions of different cardholders.

the repayment date is 2 or 25 days after the bill date, and the interest-free period is the longest, and the interest-free period is the shortest.

The three key information on the card face of a credit card:++,expiration date and CVV code affect the safety of users, especially the CVV code, which is as important as the password. It is suggested to cover the CVV code with correction fluid or sticker.

Anyone who has unreasonable charges on credit cards can call customer service and apply to cancel the unreasonable charges.

Baidu Encyclopedia-China Merchants Bank Unlimited Credit Card

Application conditions of China Merchants Bank Unlimited Credit Card

At present, the application for unlimited credit card is not open to the public, only in the form of invitation. If you already hold the main card of China Merchants Bank Unlimited Credit Card, you can apply for a supplementary card for your immediate family members (parents, spouses or children over the age of 14). We need to bring the original identification of yourself and the supplementary card holder to apply at the business outlets of China Merchants Bank. The supplementary card and the main card * * * enjoy the credit limit of the main cardholder's account, and the consumption of the supplementary card will be calculated on the main cardholder's bill together with the consumption of the main card.

Eight points for attention when using credit cards:

Lend credit cards to others. Credit card is a credit tool issued by the bank to qualified applicants, which can be used for consumption in advance. The bank clearly stipulates that cardholders are not allowed to lend their credit cards to others, but some friends will lend their credit cards to others in their lives. If the cardholder lends his credit card to others, the debt incurred will be borne by the cardholder, so when the other party is unwilling to repay, the cardholder needs to repay by himself.

too many credit card applications. Some friends will apply for credit cards for various reasons, but only a few of them can actually be used. If there are too many credit cards, it will not only be bad for management, but also affect personal credit information.

the credit card is overdrawn. When using credit cards, some cardholders will spend blindly because of poor self-control, which will lead to excessive credit overdraft, inability to repay and overdue.

overdue repayment. After using a credit card, the cardholder must repay the arrears in accordance with the regulations. If the credit card user is overdue, the personal credit will have a bad record and will be collected by the bank, resulting in overdue fees. If the overdue amount is large and the time is long, the bank may also++the cardholder. Once the cardholder has malicious overdraft behavior, he will also face criminal responsibility.

cash out. Credit card withdrawal not only requires interest, but also a handling fee. Therefore, some cardholders will withdraw the amount by cashing out when they meet the cash demand. Cashing out is against the rules. If the cardholder is judged as cashing out by the bank, the amount will be reduced first, and some may be directly blocked or even included in the credit blacklist.

by stages at will. In order to alleviate the repayment pressure of cardholders, banks also provide repayment by installment, but installment requires a handling fee. If cardholders often handle installment, it will not only reduce the repayment pressure, but also increase the repayment pressure, and it is easy for cardholders to develop bad consumption habits.

always use the minimum repayment. Some cardholders often use the minimum repayment method after using credit cards, and the minimum repayment will generate interest, and the interest expense is calculated on a daily basis. The longer the time, the higher the interest expense. If the minimum repayment is often used, the cardholder may increase the repayment pressure because of interest.

credit cards are used as savings cards. Although a credit card can also deposit money, the money deposited in the credit card not only has no interest, but also generates a handling fee when it is taken out, so credit card users should not deposit money in their credit card accounts if they have nothing to do.

This is the end of the introduction about the conditions for handling unlimited credit cards and handling credit cards without thresholds. Did you find the information you need?