It’s true. The final credit limit of Meituan Credit Card is related to the bank's review results. The bank will give the limit after a comprehensive review based on the user's credit qualifications. Even if the user is given an estimated limit first, this has no reference significance. The actual credit limit is very likely to be higher or lower than the estimated limit, and there are only very few cases where it is the same as the estimated limit. Moreover, the estimated limit is estimated by Ele.me for users, not by the bank. This estimated limit has nothing to do with the bank.
1. Many customers who frequently use Meituan will see the Meituan credit card channel in the Meituan APP. Generally, the approval limit will be displayed on it. This limit is actually just a reference limit, and it does not mean that there is a limit. You can definitely apply for a card. Meituan credit card application is mainly directly related to our credit report, so after signing the contract with the approval limit, our credit report will be checked. Once the credit report does not meet the conditions, it will be rejected. As long as your credit report is good, the probability of applying for a card is still very high. However, currently, the limits shown in the Meituan APP are relatively large. In fact, the limits for applying for a Meituan credit card are not high, and most of them are within the limit of 10,000.
2. The credit card limits of Meituan are not very high. The limit is basically less than 10,000 yuan. Currently, the limit of Bank of Shanghai and Hangzhou Bank is slightly higher, and the limit of more than 10,000 yuan is slightly higher. It is very difficult to increase the limit after applying for a Meituan Credit Card. At present, it can be said to be even more difficult, because of the special mechanism of Meituan Credit Card. Anyway, no matter how you use it, you will not increase the limit. Currently, it is very difficult. It’s rare to see a customer say that Meituan’s credit card limit has been increased.
3. When applying for a Meituan credit card, Meituan will automatically assign a local bank based on the customer’s positioning. For example, if you apply for a Meituan credit card in Shanghai, then Meituan Bank of Shanghai will automatically recommend you , you will recommend Jiangsu Bank Meituan to you when you are in Jiangsu. If you do not have a Meituan card locally, you cannot apply for it at the moment. More cities will definitely be opened in the future. The review speed of Meituan credit card application is still relatively fast. Submit Results will generally be available within two hours after submitting the information. If no results are available within two hours, a manual review is likely to follow, so subsequent customers must be prepared to receive a return call.
Operating environment: iPhone11 ios15.0 Meituan V11.5.407