What does it mean to apply for moving bricks with a credit card? Pay attention to these matters
Many freelancers don't have a stable job, or they want to apply for a high-end card when they have a job. They have to prove to the bank that their assets are good and their ability is recognized before they can get the card. Moving bricks is the best proof method, which means saving money in the bank. Let's take a look.
what does it mean to apply for moving bricks with a credit card?
The bank's money is tied in bundles, which looks like a brick, with a brick of 1, yuan. Therefore, moving bricks to handle cards is to let us deposit money in the bank, and many banks acquiesce in this practice.
China Bank, in particular, is known as a brick bank, which is enough to show its requirements for the applicant's assets.
how to apply for a credit card?
pay attention to two points, one is the brick moving time, and the other is the brick moving amount.
as for the brick removal time, it is suggested that brick removal should be started three months before the card is issued, because the average daily deposit is taken as the measure by ordinary banks, and it is difficult to be recognized by banks if the brick removal time is less than three months.
The amount of moving bricks depends on the identity of the applicant and the level of the card. For example, three unemployed people only need to get off the card, and moving five bricks is almost the same, that is, they have to deposit 5, yuan; For friends who want to run a high-end platinum card, there are not dozens of bricks that can't break the bank.
finally, some friends will ask, can I withdraw the money after moving the brick and getting the card?
The safest way is to put the bricks for another three months. During this period, we must standardize the use of cards, increase the frequency of swiping cards, and diversify our consumption. It is important to repay the money on time. We will see if the bank will raise the amount after the three bills are issued. If the amount is raised, we can withdraw the bricks, but we should be prepared to be reduced. Because the removal of bricks may make the dynamic management of assets not up to standard.
How to increase the credit card limit of CCB
First, swipe as much as possible
No bank doesn't like cardholders to spend more by swiping their cards, and CCB is no exception. Therefore, it is recommended that you swipe your cards as much as possible after you get the card to activate it, and try to swipe your cards in physical stores to reduce online payments, because many online payments have no points.
Second, apply for a temporary limit
Take the initiative to apply for a temporary limit, and the bank will think that your current credit card limit is really low, which is not enough for you to use. In view of your strong demand for withdrawal, CCB will generally give you a temporary limit, so it is not difficult to raise the fixed limit after repeated attempts.
Third, dormant suspension withdrawal
If the repayment is made on time in the three months before the card is opened, and the frequency of swiping the card is still relatively high, but the bank does not withdraw the amount, then this situation can be deliberately stopped for a period of time. In order to retain high-quality customers, the bank will enable certain incentives for dormant credit cards and increase the credit card limit.
Fourth, move bricks and withdraw money
Deposit a term in CCB, so that the bank can see that you have abundant funds and know that your repayment ability is not bad.
V. installment
Appropriately installment CCB bills to make banks feel that you have higher consumer demand;
CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
CCB credit card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named as "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
annual fee-free policy: the annual fee for the following year will be exempted if the Puka Gold Card is swiped 3 times or 18 times (excluding special cards such as business cards and car cards).
cash withdrawal fee: within China: 5‰ of the transaction amount, with the lowest in 2 yuan and the highest in 5 yuan; Overseas: 3% of the transaction amount, with a minimum of $3.
Multi-account management: quota * * * Enjoy multiple CCB cards with the same repayment date. Independent installment business
Support interest-free installment for specific merchants (3, 6 and 12 installments). You can apply for installments (3, 6, 12, 18 and 24 installments) by phone after spending more than one 1 yuan, and each installment will generate different handling fees according to the number of installments.
Billing days: there are multiple billing days every month, and the cardholder can change the currency: RMB, RMB/USD and RMB/Euro once a year within the validity period of the card.
During the interest-free repayment period: interest-free repayment. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before the due repayment date, you won't enjoy the interest-free period. The Construction Bank will charge interest at the daily rate of .5 ‰ and compound interest on a monthly basis. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated based on the actual amount payable.
if you fail to repay before the due repayment date or the repayment amount is less than the minimum repayment amount, CCB will charge interest as required, and will also charge a late fee of 5% of the unpaid part of the minimum repayment amount.
how to increase the credit line of CCB?
As a popular bank, CCB credit card has always been liked by many cardholders, and the application threshold of CCB is good. However, it is difficult for many cardholders to feedback the credit card amount of CCB, and some people have never mentioned the credit card amount for one or two years, so today Xiao Qin will share with you the special skills of CCB credit card amount!
1. Move bricks and raise the amount
CCB attaches great importance to personal financial assets. Every month, the system will make statistics on cardholders' financial assets in CCB, including deposits, treasury bonds, wealth management products, funds, etc., with the amount raised between 4% and 6% (refer to the temporary limit), and the APP will display the reference limit. This method is a local tyrant's special method, because if you want to upgrade the card with a quota of 5 thousand, you must have 5 thousand stored in the card for three months.
ii. Curve withdrawal
The curve withdrawal of CCB mainly depends on your total credit line, the comprehensive score of the Bank, the current credit card bill and the selected curve card type; For different card types, the effect of the curve may be different. The curve cards shared here are not immutable, because the card types will change the heat and audit requirements over time, and even be removed from the shelves, so the curve cards selected in different time periods are not necessarily the same. Another key point is that you can also choose the corresponding curve card type according to the current card type, which is more accurate and has a higher success rate.
Third, consumption
Consumption is what every bank likes. Conventional special card-raising skills+consumption for three consecutive periods can directly make CCB give you a fixed amount. Comparison is a symbol of consumption strength. It is too difficult to go abroad for three consecutive periods. Xiaobian can share the real consumption through "online". It is no problem to raise 5%-3% of the bill for the third period.
IV. Card-raising skills
For card friends who want to build CCB, it is best to control the number of bankers with credit cards under their names to less than five, and only need to raise a few cards carefully, and then plan their follow-up card application after CCB has established its quota, because CCB attaches great importance to multi-head credit, and the card loan behind its credit card is very powerful, so it is a bank worth owning;
1. Card swiping times: more than 2 times a month, and 25+3+1 is the best;
2. Credit card amount: small amount mainly, medium amount supplemented, large amount less times;
3. Credit card merchants: the types of merchants are diversified, including catering, department stores, clothing, entertainment and so on; Enrich the credit card scene;
4. Bill receiving mechanism: Try not to have a machine with only one bill receiving mechanism;
5. control debt: the debt ratio should not be too high, and it is best to control it within 7%.
that's enough for the introduction of how to move bricks with credit cards.