How long does Hua Xia Bank's credit card review usually take?
Hua Xia Bank's credit card review usually takes about 8 working days. If there are other circumstances, the time will be postponed.
The process of Hua Xia Bank card application is:
1. After receiving your application information from the review department, it usually takes 8 working days to complete the review.
2. After passing the review, a card will be produced for the customer within 2 working days.
Extended information:
Hua Xia Credit Card Fee Standard:
No annual fee policy: Swipe the Gold Card 5 times to waive the annual fee for the following year
Cash withdrawal handling fee: 1% of the transaction amount, the minimum domestic fee is 5 yuan, and the minimum overseas fee is 15 yuan or 2 US dollars
The longest interest-free period: 51 days
Multi-account management: enjoy limit limit
Online payment: not supported yet (dual-currency cards can be paid through external card channels on some websites)
Instalment business: you can choose at will For a high-value consumption transaction that has not yet been issued a statement (a single transaction amount is not less than RMB 500 or equivalent), call the Hua Xia Bank Credit Card Center to apply at any time, and you can enjoy zero interest and zero procedures for up to 6 months. Fees are payable in installments.
The maximum amount that titanium card holders can enjoy is RMB 15,000, the maximum amount that gold card holders can enjoy is RMB 10,000, and the maximum amount that ordinary card holders can enjoy is RMB 5,000.
Billing date: Each cardholder's billing date is different. Your billing date will be listed in the statement. You can adjust the billing date according to your income and salary payment date, but it can only be changed once a year
Card types: regular card (limit 2,000-20,000 yuan), gold card (limit 5,000-50,000 yuan), Titanium Card (limit 20,000-200,000 yuan)
Currency: RMB, RMB/USD
Annual fee standard
HuaXia Titanium Card Main Card The annual fee is RMB 300/card/year, titanium card supplementary card: RMB 150/card/year;
Hua Xia Bank Credit Card Gold Card main card: RMB 160/card/year; gold card Supplementary card: RMB 80/card/year;
Hua Xia main card: RMB 80/card/year, supplementary card: RMB 50/card/year;
Hua Xia Bank Business Card Gold Card: RMB 300/card/year, Regular Card: RMB 150/card/year.
Baidu Encyclopedia - Hua Xia Credit Card
Is Hua Xia Bank Credit Card easy to apply for?
Hua Xia Bank Credit Card is okay. It is a credit card with both advantages and disadvantages. Its advantages include a longer interest-free period, flexible repayment methods, many credit card promotions, many credit card value-added services, and a slightly lower application threshold. wait. The disadvantages include strict risk control, fewer bank service outlets, and charges for notification text messages. However, each bank's credit card has its advantages and disadvantages. As long as the advantages outweigh the disadvantages, it is enough for users.
In addition, when users apply for a Hua Xia Bank credit card for the first time, try to choose a card with a low level. This will not only increase the pass rate, but also help increase the actual card limit.
1: What is Hua Xia Bank
Hua Xia Bank was established in Beijing in October 1992 with the care and support of Deng Xiaoping, the chief architect of reform and opening up. Shareholding reform was implemented in March 1995; in September 2003, the bank issued shares for the first time and was listed for trading (stock code: 600015), becoming the fifth listed bank in China.
As of the first half of 2019, total assets were 3.02 trillion yuan, total loans were 1.78 trillion yuan, and total deposits were 1.68 trillion yuan. It has established 42 first-level branches and 68 second-level branches in 110 cities at or above the prefecture level, with a total of 1,017 business outlets and nearly 40,000 employees, forming an institutional system that "based on economically developed cities and radiates across the country" . ". It has established 1,330 domestic and overseas agent banks, covering 334 cities in 102 countries and regions on five continents, and has built a settlement network covering major trade areas around the world. Among the 1,000 global banks selected by "The Banker" in July 2019 , Hua Xia Bank ranked 56th in the world in tier one capital and 67th in the world in terms of asset size, up 9 and 3 places respectively from the previous year.
In Forbes magazine's 2019 list of the world's top 2000 listed companies, Hua Xia Bank ranked 265th, an increase of 24 places from the previous year.
Two: What is a credit card
Credit card is a non-cash transaction payment method and a simple credit service. Credit cards are generally plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. They are issued by banks or credit card companies to cardholders based on the user's credit and financial resources. Cardholders do not need to pay cash when using their credit cards and will pay back the amount on the settlement date. Except for the combination of some credit cards and debit cards, general credit cards are different from debit cards and cash cards. Credit cards are not debited directly from the user's account.
Credit cards are special carrier cards with consumer credit issued by commercial banks to individuals and organizations for shopping, consumption, and depositing and withdrawing cash in banks. It is in the form of a card, with the name of the issuing bank, validity period, number and cardholder's name printed on the front, and a magnetic strip and signature strip printed on the back.
A real credit card has the following characteristics: cash deposits are not encouraged, consumption is done first and repayment later, interest-free repayment period is available, repayment can be made in installments (minimum repayment amount), and international credit cards such as visa and master are included. Card organization for global use.
How to apply for Huaxia Credit Card? How to apply for Huaxia Credit Card
Credit cards are more and more widely used because of their convenience. Basically, everyone has a credit card. As far as Hua Xia Credit Card is concerned, does anyone know how to apply for Hua Xia Credit Card? Friends who are unclear about this aspect, please continue reading. Kabaobao summarizes the application methods for Huaxia Credit Card for everyone.
How to apply for Hua Xia Credit Card?
Hua Xia Credit Card Application Method_: Apply at a Hua Xia Bank branch
You can go directly to a Hua Xia Bank branch, submit the corresponding copy to the staff, and fill in the application form under the guidance of the staff Form and submit relevant certificates, waiting for review.
Method 2 for Hua Xia Credit Card Application: Online Application
For those who cannot go to a branch to apply for a Hua Xia Credit Card, applying for a Hua Xia Credit Card online is a good choice. First, log in to the official website of Hua Xia Bank, click "Credit Card Services", select "Apply for a Card Online" and then enter your relevant information as required and wait for review. After approval, the bank will send you a credit card within 3-5 working days.
Hua Xia Credit Card Application Method 3: WeChat Application
Search on WeChat and follow "Hua Xia Bank Credit Card Center", select "Apply Card Online" in the "I Want" column, and then proceed to make an appointment to apply for a card Page, follow the process to complete it and wait for review.
All of the above three methods can successfully apply for Hua Xia Credit Card. You can choose according to your personal preferences. Kabaobao reminds you that since the review of Hua Xia Credit Card takes time, you only need to wait patiently after submitting the application. Can.
Is it easy to apply for a Hua Xia Credit Card?
The ways to apply for a Hua Xia Bank Credit Card include: submitting the application information to a local bank branch, filling in the information on the official website to apply online, or applying through the salesperson filling in the application form. .
The conditions that need to be met are as follows:
1. Basic age requirements. Applicants must be over 18 years old, have full civil capacity, and hold a valid identity document.
2. Working conditions are also one of the requirements. Applicants must have a stable job and income. A stable job allows the bank to ensure that the applicant has the ability to pay off the credit card account.
3. A good personal credit report. Cardholders with credit cards should all know the importance of personal credit report in life. A good personal credit report is helpful for borrowing, applying for a credit card, raising a limit, etc. is useful.
4. You can also apply for a Hua Xia Bank credit card by card. If you hold a credit card from another bank, you must ensure that the credit card has been used for more than 9 months. In addition, you must have good repayment habits. Provide social security certificate.
5. Although it is not necessary to properly display personal assets, it will allow the bank to have a certain understanding of the applicant's financial resources. The amount of fixed assets determines the credit card limit to a certain extent.
Is it difficult to apply for a Hua Xia Bank credit card?
Not big. Because the application conditions for Hua Xia Bank's credit cards are relatively loose, you need to have a stable source of income. The specific results are subject to the bank's review.
The following conditions are required to apply for a Hua Xia Bank credit card:
1. Basic age requirements. Applicants must be over 18 years old, have full civil capacity, and hold a valid identity document.
2. Working conditions are also one of the requirements. Applicants must have a stable job and income. A stable job allows the bank to ensure that the applicant has the ability to pay off the credit card account.
3. A good personal credit report. Cardholders with credit cards should all know the importance of personal credit report in life. A good personal credit report is helpful for borrowing, applying for a credit card, raising a limit, etc. is useful.
4. You can also apply for a Hua Xia Bank credit card by using a card. If you hold a credit card from another bank, you must ensure that the credit card has been used for more than 9 months. In addition, you must have good repayment habits. Provide social security certificate.
5. Although it is not necessary to properly display personal assets, it will allow the bank to have a certain understanding of the applicant's financial resources. The amount of fixed assets determines the credit card limit to a certain extent.
Then Hua Xia Bank credit card limit:
1. Hua Xia Bank credit card limit is 2,000 yuan to 20,000 yuan;
2. Hua Xia Bank credit card limit The card limit is 5,000 yuan to 50,000 yuan;
3. The Hua Xia Bank Credit Card Titanium Card has a limit of 20,000 yuan to 200,000 yuan;
4. Hua Xia Bank Credit Card Platinum Card The credit limit of the card is 30,000 to 500,000 yuan.
Of course, the specific limit still depends on the bank’s systematic assessment of the amount that should be granted based on the information submitted by the applicant.
Materials required for Huaxia Bank credit card application:
1. Proof of identity: usually an ID card (photocopies of the front and back sides are required), and military personnel need to provide a copy of their military ID;
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2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or work permit/plate Copy;
3. Proof of financial resources: It can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates/car driving licenses/bank A copy of the time deposit certificate) and other information that can prove your financial level.
4. Other documents available for reference include: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.
What are the conditions for applying for a Huaxia Bank credit card?
1. Age requirements: The applicant needs to be between 18 and 65 years old, and must be a Chinese citizen with full capacity for civil conduct, overseas. If you apply, you need to be between 25 and 65 years old.
2. Working conditions: Applicants need to have stable and legal financial resources to ensure their ability to repay later.
3. Credit conditions: The applicant's personal credit report must be good, there must be no overdue status, and no large amounts of money can be cashed out illegally.
4. Asset conditions: If the applicant provides certain financial proof, such as real estate certificate, car certificate, etc., he or she can apply for a high-level credit card from Hua Xia Bank.
For more information about the conditions for applying for a Hua Xia Bank credit card, go to: View more content
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