Minsheng Che Che Credit Card Application Conditions and Limit
Minsheng Bank has specially created a car-themed Minsheng Che Credit Card for car owners. Holding this card can Enjoy eight major services including gas rebates, car insurance rebates, car cleaning, business driving, alcohol driving, airport transfers, annual inspections, and road assistance. So, is this credit card easy to apply for? What conditions are needed? What is the credit limit? Let’s find out together below.
In order to meet the differentiated needs of different private car owners, Minsheng Cheche Credit Card is divided into four levels: Gold Card, Standard Platinum Card, Deluxe Platinum Card and Diamond Card. The higher the level, the higher the credit card application requirements. The more stringent.
1. Application conditions
1. Natural person with full capacity for civil conduct and repayment ability;
2. Aged between 18 and 65 years old;
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3. Have a stable career and income, good credit status, and the ability to repay principal and interest on time
2. Required information
1. Resident ID card Or passport
2. Work certificate (work permit or relevant personnel department certificate, basically required to work for more than three months)
3. Income certificate (income certificate issued by the unit’s financial department , if you are self-employed, you need a copy of the industrial and commercial license and a tax payment certificate)
The above three points are enough to apply for a regular card. If you want to apply for a gold card or platinum card, it is best to provide your own real estate certificate or certificate of your own vehicle, etc. , will greatly increase the success rate of card application and increase the overdraft limit.
3. Application process
Finally, fill in the relevant information step by step according to the prompts on the application page, and then submit to complete the application.
4. Credit Card Approval Limit
As for the Minsheng Cheche credit card limit, it is also related to the card type. Generally speaking, the gold card limit is between 3K~1W, and the standard platinum card limit is between 3K and 1W. Between 1W and 5W, the deluxe platinum card limit is above 5W. However, the specific amount is mainly directly related to the qualifications of the applicant and the application materials submitted.
Minsheng Cheche Credit Card
(Gas rebate for full monthly consumption; exclusive business driving and airport transfer services)
Minsheng Cheche Credit Card is a platinum card
Minsheng Cheche Credit Card is a credit card specially tailored for car owners. It is divided into three levels: gold card, standard platinum card and luxury platinum card, suitable for private car owners with different needs. The specific limits are as follows:
Gold Card: The limit is generally 3,000-10,000 yuan;
Standard Platinum Card: The limit is generally 10,000-50,000 yuan;
Luxury Platinum Card: The limit is generally above 50,000 yuan.
What is the general limit of Minsheng Cheche Credit Card?
Minsheng Bank Cheche Credit Card is very popular among cardholders because of its unique benefits of 1 yuan car wash and 5% gas rebate. In addition to paying attention to the rights and interests of this card, many cardholders also want to know how high they can get when applying for this credit card. Let’s introduce to you the matters related to the credit limit of this credit card.
What kind of credit card is this?
Minsheng Cheche Credit Card is a credit card specially tailored for car owners. It is divided into four levels: gold card, standard platinum card, luxury platinum card and diamond card, suitable for different Private car owners in need. The card surface design is divided into classic version and excellent version.
What is the limit of this credit card?
The limit of Minsheng Cheche Credit Card is mainly determined based on your income, property certificate and the value of the vehicle in your name. Generally, the limit of Minsheng Cheche Credit Card is within 10,000 yuan, and the limit for gold card is 10,000 to 10,000 yuan. The price is between 50,000 yuan, and the platinum card starts at 50,000 yuan.
If it is your first time to apply for a Minsheng Bank credit card, the credit card limit depends on the type of card you apply for and the personal information and financial proof you provide when applying for the card. Please refer to the following standards for specific reference:
1. Marital status: Married customers are more stable than singles and are more favored by banks.
2. Technical title and working status: Technical title is a testimony of the customer’s working ability. Practitioners in industries with higher stability will receive bonus points.
3. Financial ability: Those who provide detailed personal income certificates, stable income, and long-term prospects for income growth will receive higher ratings.
4. Personal housing: Owning a personal housing can also show that the individual has a certain financial foundation and can get extra points.
5. Credit record: If the borrower has had an account with a bank in the past and has often had funds coming in and out, the bank will also consider adding points as appropriate.
6. Education level: Graduate students and above will be rated higher.
If you want to get a high-limit people's livelihood credit card, you can provide a significant asset certificate, such as income certificate, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or valuable Securities certificates, etc., the bank will increase your credit evaluation based on your situation, and the credit limit will of course increase.
Can I increase my quota if I am not satisfied with it?
Reminder, the initial limit of the Minsheng Cheche Credit Card is not static, it can be increased or decreased according to the cardholder's card usage. If you feel that the limit is too low, after holding the credit card for 6 months, you can call the bank customer service and ask for an increase in the fixed limit.
The bank will inform you within a week whether your limit can be increased based on your card usage, repayment records, etc. If you can provide some proof of your assets (such as real estate certificate, car ownership certificate, income certificate, information such as fixed deposit certificates from China Minsheng Bank), you will get a higher limit.
Minsheng Cheche Credit Card
(Gas rebate for full monthly consumption; exclusive business driving and airport pick-up services)
Minsheng Credit Card White Card with Cheche logo What is the general limit?
Minsheng Cheche credit card limit range: Standard white card: 10,000 yuan-100,000 yuan;
The specific limit is determined by the bank based on the application materials you provide and the People's Bank of China records and other information Comprehensive assessment is determined.
Which Minsheng credit card is worth getting? Recommend a few entry-level livelihood cards!
China Minsheng Bank’s credit card is not outstanding among many banks. It is not as famous as China Merchants Bank, nor does it have as many activities as Shanghai Pudong Development Bank.
But the Minsheng Bank credit card activity is one of the favorites of the Wool Party.
1. Basic knowledge
1. Minsheng credit card account merging is the same as China Merchants Bank. Even if you apply for 100 Minsheng credit cards, you will only have one account and only one bill and repayment. Just pay it back to any card.
The advantage of merging accounts is that it will not pollute personal information. Veterans who participated in the Minsheng UnionPay 62 activity for several months at the end of last year all know this.
2. There are basically no points for online payments with Minsheng Credit Cards, but points for offline payments in most life scenarios.
Note that there are no points for cheering on MCC.
Minsheng credit card points are usually valid for 3 years.
3. The Minsheng credit card levels are regular card, gold card, standard platinum card, deluxe platinum card, American Express Centurion platinum card, diamond card, unlimited card and American Express Centurion black gold card.
Gold Card: 300 yuan per year, one purchase within two months of purchasing the card will be waived for the first year, and the annual fee for the next year will be waived if the card is used for 5 transactions or 1 foreign currency transaction;
Standard Platinum Card: RMB 600 per year. One purchase within two months of purchasing the card will be waived for the first year. If you accumulate points for 18 purchases or RMB 50,000 in that year, the annual fee for the next year will be waived;
Deluxe Platinum and above All are rigid annual fees.
2. A few entry-level credit cards
1. Minsheng in card
This is Minsheng’s leading lady, and no matter what activities, he is indispensable.
Main activity: 1 point to redeem a Starbucks large cup e-voucher.
The event is valid until September 30, 2017, and there is a 99% chance of renewal.
2. Minsheng Cheche Card
I think this is Minsheng’s best credit card, especially the Cheche Standard Platinum Card, which is the most cost-effective.
Main activities:
Gold Card: If you spend 1,500 yuan or more in monthly points, you will get 2 free car washes of 1 yuan, and 5% of the gas money will be refunded (maximum 50 yuan, 1,000 yuan required for gas) ;
Marked: If you spend 2,500 yuan in monthly points, you will get 4 free car washes for 1 yuan, and 8% of the gas money will be refunded (up to 100 yuan, 1,250 yuan is required for gas);
Hao Bai: If you spend 3,000 yuan in monthly points, you will get 4 free car washes for 1 yuan, and 15% of the gas money will be refunded (maximum 200 yuan, 1,335 yuan required for gas).
It is now very convenient to receive gas rebates, so don’t miss it if you own a car.
Why is Minsheng Car Card so recommended?
Because there are no restrictions on gas stations, 5541, 5542, etc. can participate.
3. Minsheng Baitiao Co-branded Card
Main activities:
The activity will last until the end of February 2018.
3. People’s Livelihood Activities
1. The first people’s livelihood activity is “People’s Livelihood Everyday”
The activity will last until May 20, 2018. The most valuable things every day for people’s livelihood are food coupons on Fridays and movie coupons on Saturdays.
2. Every Tuesday from September 12th to November 7th (10:00-23:59), Minsheng Credit Card customers can purchase physical goods in JD Mall (PC and mobile) using Minsheng Credit Card JD.com If the payment is successful and the transaction is completed, you will get an instant discount of 30 yuan for a single transaction of 200 yuan or more. The first 2,000 users are limited to participate every day.
Each cardholder can only enjoy one discount per day.
3. Every Tuesday from November 14th to January 2nd (10:00-23:59), Minsheng Credit Card customers will use Minsheng Credit Card JD.com to purchase physical goods in JD Mall (PC and mobile). If the payment is successful and the transaction is completed, you will get an immediate discount of 50 yuan for a single transaction of 300 yuan or more. The first 1,500 users are limited to participate every day.
Each cardholder can only enjoy one discount per day.
There are many other small activities that I won’t list one by one.
How much is the amount of Minsheng Bank Cheche Credit Card White Card?
The limit of Minsheng Bank Cheche Credit Card White Card is 10,000-50,000 yuan, which varies according to personal circumstances. The credit card limit is given by the bank based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc. One score range corresponds to one result, from not approved to approved, from low limit to high limit. After using the credit card for a period of time, the limit may be reduced, or you can apply to increase the limit.
Several ways to increase credit card limit:
1. Frequency of use: Frequent use of credit cards, regardless of the amount, as long as the card can be swiped, it will definitely be swiped.
2. Amount: It is best if the monthly bill consumption is at least 30% of the total amount.
That’s it for the introduction of the Minsheng Cheche Credit Card White Card.