What is the difference between China Everbright Bank Fu IC Credit Card and whether it is a gold card or a regular card?
Name:
Fu IC Credit Card Gold Card, level:
Gold Card
Features: Golden card surface, Kangxi imperial pen, the choice of "luck". Chip design is safer. It has all the basic functions and services of our credit card, including: 20-50 days interest-free installment for transactions, and supports cash withdrawal, installment and other functions. Services include: 7×24-hour global service hotline, 48-hour card loss protection, transaction SMS reminders and zero-risk loss reporting services. Enjoy hotel, shopping, food discounts and high-value insurance at the same time.
Recommend 12 easy-to-apply credit cards (with application tips)
This is for people who already have credit cards. If you already have a credit card or have taken out a loan, then your detailed application The letter must have basic information such as employment. You have to read it first and then package it in the second step based on the detailed credit report. This is a professional approach. There are many people who have good credit reports but are rejected immediately when applying for a credit card. Maybe it’s because of this. For example, the last company you applied for a credit card on is A, and the interval is less than 6 months. When you optimized, you used company B, and the working time written was 2 years. From the bank’s perspective, The first is that it is illogical, and the second is that your job stability is very poor, so the risk is also very high. It is also normal to be rejected. How can you optimize it based on the detailed credit report? When applying for a card, you need to I won’t say much more about avoiding harmony.
If you are a pure white household, you can skip this step and just optimize directly. But remember, from the time you apply for a card, you must have the mentality of supporting an employer. What is supporting an employer? Just start from the first card you apply for. Whether you apply for a card or an online loan later, try to use this unit. The success rate is very high. In short, the principle to be adhered to is: do not change companies frequently, and do not let the bank think that you are a very frivolous person.
The number of credit inquiries is the first thing to look at. Just like the first impression you make during an interview, whether you can advance to the next step depends on this. If your credit report has a lot of inquiries, or is very bad, then don’t rush to apply. Keep your credit report for a month first, and then apply next month.
However, there are exceptions, that is, your strength is really good, such as provident fund, RV, savings, financial management, etc. That is, there are several of the eight major financial proofs mentioned before. In this kind of situation, even if it is No matter how many inquiries you make, you can still give it a try, but having said that, since you have such strong financial resources, why should you apply for a credit card or online loan?
Conservatively speaking, the number of credit inquiries cannot be higher than three times per month. If it is higher than three times, then go to improve your credit, stay put, wait for a month, and then wait for the next month. Apply again.
I won’t talk about the debt ratio here. This is related to the limit of the support card. If you want to increase the limit of your card, you must pay attention to this. It’s overdue, so I won’t say much about it, everyone knows it.
The last point is the detailed credit report unit information. This is for people who already have credit cards. It is best to operate on this basis based on your recent credit report unit information. This is a professional approach, rather than randomly selecting a card type. Just fill in the form and you can place the card.
2. Bank of Communications Y-POWER card. It is the same type as China Merchants Bank’s Young Card, which is suitable for young people with average qualifications to apply for, and the pass rate is also very high.
3. Bank of Communications standard credit card/Bocom Express Card. The pass rate of the Bank of Communications' standard card is also relatively high. In addition, the Bank of Communications has a quick card link on WeChat, and everyone can apply.
4. Everbright “Fu” IC Credit Card. The approval success rate is high, and the card can be obtained as soon as one day; it is Everbright’s low-threshold card type, and people without qualifications can apply.
CCB Long Card e-payment card. The Dragon Card e-payment card launched by China Construction Bank is a main card-type virtual card that is used for an independent and complete main account and does not rely on a physical credit card. After successfully applying for the card, the customer obtains the validity period, security code and other information through SMS verification. It can then be used after secure binding in mobile banking or personal online banking.
Ping An Bank Car Owner Card.
Those who own cars can apply directly. The car owner card is the first choice, and there are many activities. As long as you have a car, regardless of the high or low configuration, you can apply.
Pufa Youth Card. You can also apply if you have bad credit. After you apply for this card, in addition to the high fixed limit, there is also a separate universal limit, and it can be converted into a fixed limit. It is a card worth paying attention to.
Minsheng Bank in card. Minsheng Bank in card, this is a must-recommend Minsheng credit card. In recent years, women's flower cards have done well, and they are also the cards recommended by people's livelihood.
CITIC and Tencent co-branded card. CITIC and Tencent have established a comprehensive strategic partnership in the fields of co-branded credit cards, new e-commerce platforms, big data, cloud computing, financial payments and other fields. Data shows that China CITIC Bank has jointly issued nearly 3 million credit cards with Tencent QQ. If you are good at Tencent Big Data, you can apply.
What is the limit of Everbright IC Credit Card?
The limit of Everbright IC Gold Card is generally between 8,000 yuan and 50,000 yuan.
Increase the credit limit of Everbright Card:
1. Increase the number of credit card swipes: Use credit cards frequently, regardless of the amount, as long as you can swipe the card, you will definitely swipe the card. Accumulate as much data as possible in the system; the number of reference transactions is about 25 times a month.
2. Increase the amount of credit card swiping: it is best to generate monthly bill consumption that is at least 30% of the total amount, and preferably no less than 80% of the total amount;
3. Temporary Limit increase: Due to short-term needs such as festivals, tourism, business trips, etc. to increase the limit, you can apply for a temporary limit increase. Applying for temporary allowances multiple times will also help increase the credit card limit.
4. Seize the opportunity: The time to raise the amount is also very important. It is most effective to apply on billing day or when your card has just been maxed out.
5. Good credit record: Repaying the bill the day before can reduce the liability on the credit report. To ensure timely repayment of credit cards, maintain a good credit record. Credit record is the best guarantee.
6. Dormant Suspension: If you intend to deactivate a credit card for a certain period of time, the bank will provide certain incentives for the activation of dormant cards in order to gain territory. At this time, it is useful to increase the credit card limit.
This is the end of the introduction to Fuic Credit Card and Fuzhou IC Card. Have you found the information you need?