I have provident fund and social security. How many credit cards can I apply for?

This depends on your own qualifications. Having social security and provident funds is just one of your contributions. Age, education, and proof of financial resources are also taken into consideration. It cannot represent your entire situation. However, banks with social security and provident funds will generally approve cards. Provident fund social security generally has a limit of RMB 10,000 to RMB 50,000. If you want a high-limit card, you need to add other proof of financial resources.

I have a provident fund and want to apply for a CCB credit card. What is the limit?

For CCB credit cards, the approval limit for regular cards and gold cards is generally 1,000-50,000, and the standard platinum card does not exceed 200,000.

When approving, the bank will refer to the landlord’s work, income, social security, provident fund, personal tax, personal assets, credit, education and other aspects to approve the amount, so no matter which channel you apply for, Before the approval result comes out, there is no way to know the initial limit of the card in advance.

In terms of application methods, there are roughly two types, one is online application, and the other is application at a branch.

Online application is relatively simple, and does not require additional proof of financial resources. The bank will focus on the property owner's employer status, social security, provident fund, personal tax, personal credit, etc., which can be checked online. If these are not paid much or have not been paid, this method is not very recommended

Apply online. This is the traditional method of applying for a credit card. When applying, you must bring proof of work income (work permit from the unit, employment certificate, salary card statement (preferably more than 3 months), tax bills for the past 3 months, and social insurance policies). , provident fund slips, etc. (not all of these are required, just have them). If you can attach some proof of financial resources, such as real estate, car ownership, and time deposit certificates from China Construction Bank, it will be very helpful for applying for the card. (When proof of work income cannot be fully provided, it is best to have proof of financial resources)

The entire approval time for his credit card takes about 20-25 working days, which is about a month. Oh, the poster You can check the approval progress of your card through the "Application Progress Query" on the homepage of his credit card.

How much of a CCB credit card can be applied for with the housing provident fund?

This cannot be determined. The housing provident fund is just a certificate, and the amount of the amount is given by the bank after considering various aspects. When applying for a credit card, try to provide as much proof of your financial resources as possible, such as income certificate, bank deposit certificate, real estate certificate, car ownership certificate, etc. The bank will evaluate the assets of the card applicant based on these certificates. If the card holder has a deposit in China Construction Bank or is a civil servant, it will also help the card holder to obtain good credit, and it will also be helpful to obtain a higher credit limit after approval.

The credit limit of China Construction Bank is as follows:

1. The credit limit of China Construction Bank’s regular card is generally between RMB 3,000-10,000.

2. The credit limit of bank gold cards is in the range of 10,000-50,000 yuan.

3. The credit limit of China Construction Bank Platinum Card is generally more than 50,000 yuan.

4. The cash withdrawal limit of China Construction Bank credit card can reach up to 30% of the actual limit.

If you have high debts and provide provident fund details, can you increase your credit limit?

If you have high debts and provide provident fund details, can you increase your credit limit?

Some customers apply for housing provident fund credit cards with zero limit, which means the customer needs to use the credit card more before the credit limit will be gradually increased. After the housing provident fund reaches certain conditions, you can apply for a housing provident fund credit card from the relevant bank. The greater the consumption, the higher the limit will be.

Maintain a good consumer credit, increase your credit card limit, use more credit cards in multiple installments, try to spend in supermarkets and shopping malls, and strive to repay every bill in full in advance. In short, if you want to increase your credit card limit, you must not repay overdue payments. Swipe multiple cards, etc.

That’s it for the introduction of provident fund credit card limits.