After reading this article, you will probably have an outline impression of the credit card of China Everbright Bank, which can provide you with some entry-level knowledge for people who don't know this bank.
The first card must be platinum
For cardholders who have already started Everbright Credit Card, the preferential treatment of Everbright Credit Card to customers above platinum and diamond level is simply outrageous.
For example, JD.COM's full reduction, with a gold card, you can only watch.
The difference between China Everbright Bank and Jinpu Card is very big. Many policy activities and benefits are given to cardholders above Platinum Card level.
Therefore, Everbright's application for the card must be platinum, so don't hesitate, otherwise, you won't get any benefits from these card activities.
another point is that at present, China Everbright has opened the Internet access to Jinpu Card and some platinum-level cards at the same time. Although the card quota may not be very high, the platinum-level card can be depleted.
Moreover, according to feedback from many card friends, in fact, the information you require for applying for a gold card and a platinum card is actually similar.
If you have a normal job and pay social security, you may apply for a platinum card for the first time, so don't hesitate to get a platinum card for the first card. If you don't give it, don't make do with a gold card.
because China Everbright has a disgusting policy, and the second card is rejected to your head.
If your first card is a gold card and the amount of card approval is less than 3, yuan, applying for a second card is "not in line with the card application policy of our bank's existing cardholders."
The meaning behind this sentence: I have given you a gold card with a quota of 15, yuan. You have to use it slowly, and gradually increase the quota until it exceeds 3, yuan, so as to give you a chance to apply for platinum.
ladies and gentlemen, once every six months, the amount will be raised by 15% each time. How many years do you think it will take you to reach the quota of 3, yuan?
which cards to apply for
Although I don't have much research on Everbright Credit Card, I know the only platinum card in the market that cooperates with Longteng.
this is the door-to-door card, so if you want to have a Longteng rights card, then this one is the first choice. Moreover, it is the platinum card level of Everbright Credit Card, which can take care of most activities.
Longteng Card may not be known to some white people, but it is the Longteng Travel Rights Card equipped with many Platinum, which enjoys the rights of VIP room of high-speed rail, snacks and meals in VIP room for free, and VIP lounge at the airport, etc.
Of course, Longteng cards are generally electronic now, and everyone can go to Longteng APP to activate electronic cards. Physical cards are rarely issued.
there are also the classic business travel platinum card and sunshine platinum card of everbright, both of which have good face value, and they are also a collection of some business travel rights.
Last year, Caesar Travel, a joint outbound travel expert, also issued a set of platinum cards, which is the following one.
it's also a platinum card level, which integrates some tourism rights and interests. It's a joint-name card. Of course, joint-name enterprises have more resource rights and interests, so people who like to travel can consider this card.
Annual fee: In addition, the annual fee is the only difference between a platinum card and a pseudo-platinum card. The annual fee for the entry-level platinum card of China Everbright Bank is priced at RMB 1,188, and some of them will be deducted with an annual fee coupon of RMB 688, and the actual annual fee for 5 yuan will be paid.
in the following year, points can be deducted.
card application strategy
(1) The first card should provide as many self-certificates as possible to apply for platinum card grade, social security payment certificate, income certificate, cards with a quota of more than 5, yuan, real estate license, driving license and other valid proof of asset strength.
(2) Compared with online card application, the probability of card approval is much greater and the success rate is high.
(3) issuing a card with a wealth management deposit is the most useful routine for banks to apply for a card. With 1, wealth management income, please ask the business manager to recommend what card you want to apply for.
(4) if you don't want to apply for an annual fee of platinum, such as a platinum card, but only want a gold card, in fact, the easiest way is to take the Alipay card application channel, and we will decide whether to grant you a card according to your sesame score.
this routine is also the most effective channel for people who can't provide much credit certificate.
When Everbright signs face to face, it is actually the time to provide credit certificate. Whether the face-to-face sign is passed or not will directly affect whether you approve the card, that is to say, the face-to-face sign of Everbright is the key factor that determines whether you issue the card.
limit
China Everbright Credit Card is one of the banks with the most regular feedback from netizens.
the fixed quota will be raised in 6 months at a pace of 15% each time, and you can try to raise the temporary quota by telephone in 3 months.
If you don't mind a long time, it can be raised to the upper limit of certain levels.
For example, the maximum amount of a gold card is 5,. Even if you only approve a card for 1,, as long as the time is long enough, it will be mentioned to you, unlike Bank of Communications, which simply doesn't care about you.
after several years of use, the platinum card level can basically exceed 1,, which is awesome, but it takes time to witness the miracle.
as long as you are patient.
let's share so much today.