What does Changsha Bank’s credit card look like

The current credit card issued by Changsha Bank is called Furong Credit Card, which is a standard credit card. According to different card issuance objects, Furong Card is divided into business card and personal standard card. Generally, as individuals, we apply for personal credit card cards. The bank will grant a certain credit limit based on the cardholder's basic qualifications, and the cardholder can use basic credit card functions such as consumption and cash withdrawal within the credit limit.

Changsha Bank Credit Card Pass Rate

Changsha Bank Credit Card Review is relatively strict. If the applicant does not meet the Changsha Bank Credit Card application conditions, the application is likely to be rejected.

One thing to note is that the application conditions for Changsha Bank credit cards require applicants to work or live in the location of the card-issuing bank.

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

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

That is, the applicant should ① be between 18 and 65 years old, and have full civil capacity; ② Have a fixed residence or work unit in the location of the card-issuing bank, have legal and stable sources of income, and have solvency. In general, the application conditions for Changsha Bank Credit Card are relatively simple, and it should not be difficult to meet the above points.

Secondly, the applicant should have a good credit record, because after the applicant applies for a credit card, Changsha Bank can be authorized to query its credit report, which will know the applicant's assets, liabilities and inquiries. Record.

If the applicant has no recent bad records such as loans or overdue credit cards; the asset-liability ratio is within control; and there are no negative circumstances such as multiple loan approval records, it is relatively easy to apply for a Changsha Bank credit card.

To sum up, whether the credit card is easily approved depends on whether the applicant's qualifications are good.

If you are a natural person with good credit, there will be no problem; conversely, if you have excessive credit, excessive debt, unstable income, etc., your application will most likely fail.

Where is the validity period of Changsha Bank's credit card?

The validity period of Changsha Bank's credit card can be viewed directly on the card surface. The valid period of use of the credit card will be printed on the front of the credit card. Some formats are ValidFromxx/xx and ValidThruxx/xx, indicating the valid start and end dates of the credit card.

1. Changsha Bank Credit Card Points Rules

Validity period of points: Consumption points will be calculated from the date the card is issued, and the points will be permanently valid; after the card expires and the cardholder renews the card, the points will automatically Continuation; after the credit card account is closed or canceled, the remaining points will be cleared and cannot be restored; using a valid Furong credit card to spend at restaurants, hotels, department stores, and other retail stores will earn 1 point for every RMB 1 spent. Points generated from the consumption amount will take effect on the day after the bank accounting date; points are accumulated in multiples: For transactions conducted by Furong Credit Card holders on their birthday, points will be earned at twice the general point accumulation rules. Supplementary cardholders will also enjoy double points on their birthdays, and the points earned will be credited to the main card account; points will be accumulated in accordance with relevant event rules during the special promotion period. Points will not be calculated for the following expenses and transactions: credit card cash withdrawals and transfer transactions; credit card annual fees, interest and various fees; points will not be calculated for low discount rate, zero discount rate and special types of merchant consumption; points will not be calculated for low discount rate, zero discount rate For merchants, if the POS machine installed by China UnionPay does not set the discount rate as required, causing the cardholder to accumulate points, our bank will reserve the right to deduct the corresponding points from the cardholder's accumulated points.

2. Changsha Bank Credit Card Overdue Grace Period

The repayment grace period of Changsha Bank Credit Card is generally three days. That is to say, if the customer cannot make the payment within 24 hours of the repayment date, If you repay the loan on time before clicking the button, it must be repaid at least before 18:00 on the third night of the following day, so that it will not be regarded as overdue and will still be regarded as normal repayment.

Of course, if you apply for a Rongyitong card, there is no grace period for repayment, and you must pay it back before the due repayment date. Also, there is no grace period for Changsha Bank’s transfer payment card.

Please note that Changsha Bank’s credit card review is relatively strict. If the applicant does not meet certain conditions of Changsha Bank’s credit card application standards, the application is likely to be rejected. In addition, the application conditions for Changsha Bank's credit card require that the applicant works or has a residence in the location where the card is issued. Many people do not meet this condition alone.

That’s it for the introduction of Changsha Bank Credit Card.