Why is it so difficult to apply for a transportation credit card?
Bank of Communications Credit Card is the most stringent and compliant bank in the risk control system of almost all banks in China. Bank of Communications has also put a lot of effort into promoting credit cards. Whether it is online promotion or offline promotion, the promotion of credit cards exceeds that of other banks. At the same time, under such strict system risk control, Bank of Communications' approval results are also the fastest.
1. After completing and submitting the network card application information, if you do not meet the application conditions, the system will prompt you that you cannot apply through this channel. Please go to the counter to apply. At this time, it means that you have been rejected, and there is no point in going to the counter. If the situation shown in the picture above occurs, it means that you have passed the preliminary review of the system. As long as there are no mistakes in the subsequent manual review stage, you can get the card in about three days. The card is sent via courier and needs to be activated at the counter.
2. The Bank of Communications will issue the quota via text message after preliminary review by the system. This situation generally does not require manual review. When you get a transportation credit card, the first swipe is important. Remember not to withdraw cash. If your consumption exceeds 50% of the card limit, you will be targeted by the risk control system. Customer service will call to verify whether it is consumed by oneself. The limit of the Bank of Communications card has a lot to do with your personal qualifications. Basically, it’s how much production capacity you have now and how much economic income you have. This is called compliance. Some friends have passed the preliminary review, but in the subsequent manual return visit, they will be asked about the last unit and all contents in your credit report. However, they will be rejected.
3. In short, as long as you have applied for something in the current big data environment, it will be difficult for you to escape the Bank of Communications' credit card approval system. Transportation is difficult, and it is called the stingiest bank by card friends. It’s not that the bank is stingy, it’s that Bank of Communications’ risk control system has detected your bad credit card swiping habits. The system easily picks up how much debt you have on your credit check.
Every consumption you make, whether it is real consumption or virtual consumption, will be recorded. Some cardholders responded that if they log in and pay the bill at night, customer service will call to confirm whether it is you who logged in. If you have a bad habit of swiping your card, you will reduce the amount you swipe. The card will give you no warning or even block the card. Bank of Communications is very generous to friends with good cards or qualifications.
Why is it so difficult to apply for a credit card from the four major banks?
Why is it so difficult to apply for a credit card from one of the four major banks?
1: I happened to have worked in a certain bank for about a year and a half. The four major banks are different from other joint-stock banks. Commercial joint-stock banks can handle it as long as their credit report is not bad, but the four major banks Different, all banks are the same. As long as you deposit in a certain bank, you will be divided into silver card customers or gold card customers, whitelist, and of course VIP customers. Different customers have different credit card limits when they go to the bank. To be precise, It is said that the richer you are, the more credit lines you can get from the bank. The poorer you are, the more stringent the bank's risk approval department will be.
Two: Credit cards require users to use different amounts of money in installments, thereby generating relative interest and making money
1: In layman’s terms, credit cards promote consumption by young people, and banks Earn more returns by taking depositors' money and lending it to people in need of loans or investing. Banks do not make money when young people repay their money on time for normal consumption. Banks like to let customers pay installments, so you can often receive Banks call you to ask you to make installments. The main businesses of the four major banks and other commercial banks are different.
2: For example, if a bank applies for a credit card, it can be approved as long as it is a white account. Their credit card usage is among the top in the country, and credit cards account for a large part of the business profit. Some banks will not allow you to apply for a white account. You must have used a credit card for more than a year before you are eligible to apply. The four major banks do not need to make money through credit card credit limits. You can use the credit limit, but if you don’t use it for a long time, It’s also a loss for the bank. If you don’t use it, the bank might as well lend the money to people who need it more and earn more interest.
3: Basically, the credit limits of the four major banks are very low. I have seen many people who have just purchased a card and have a limit of one thousand or two thousand, but as long as they are used sparingly, plus the savings from the credit card issuer, There is a deposit in the card, and the basic limit can be increased quickly. As long as the customer is not short of money, the credit card limit can be increased very quickly. When one day you use a lot of credit cards, the post-loan management of the credit card will be able to find out whether you have used too much every month. You will be classified as a risk customer by the bank. If you have used online loans, you will be classified as a high-risk customer by the bank. Borrowing is also an online loan. If you have too many credit cards, you will be rejected, because in the eyes of the bank, you are a risky customer. Banks like qualified customers
3: Can the approval rate be improved if you apply for a credit card correctly?
1: Some banks can apply for a card if you have a bare account, some banks require you to use the card for more than half a year, some banks have industry restrictions and will restrict some industries from applying for cards, and some banks prefer those with academic qualifications. Customers, some banks like customers who use less credit cards, and some banks like whitelist customers who have debit cards in their bank, so you need to understand the approval conditions of major banks before applying for a card. Some banks cannot handle the data in a messy manner. Some friends said that they were overdue five years ago and then paid it off, but there was no record of it in the credit report. Why can't they still get it done? That's because in the eyes of the bank, you are a high-risk customer and the big data is not good.
2: Some friends said: "If you don't have a credit card, you will be rejected as soon as you apply online." In fact, it is not the bank that rejects you. It’s the system, what we commonly call instant rejection, big data is messy, and the system can’t be entered. Now I’ll teach you a little trick, keep it up for a while, go to a bank where you have deposits, then go to the branch to apply, and it will pass. Four The same is true for big banks. If you have a bank debit card with them, and you have deposits and a large turnover, it is very easy to go to the branch to get through, and the credit limit is also high
The difference between domesticated and wild ones
< p>Is it okay? I applied for ten credit cards at one time, canceled four of them, my friends used two, and I kept four. It is not used often and is mainly used on construction sites. Both Bank of China and ICBC have it, but I have not applied for it from Agricultural Bank of China and China Construction Bank. I have generally applied for it from other banks. All the small-amount ones were sold, and the remaining ones were kept as backupCCB is relatively easy to handle. Although the limit is not high, the handling fee for line withdrawal is lower.
It’s not difficult. The key depends on the individual’s credit qualifications. I got all of them from the four major banks. I applied for the China Construction Bank Long Card first, then I applied for the ICBC (because the limit was low, I canceled it, and the ICBC application was not approved again.), and then I applied for the Agricultural Bank of China and Bank of China.
Is it difficult to apply for a credit card for the first time?
It is still a bit difficult to apply for a credit card for the first time if you do not have the financial strength. It is recommended to apply for banks with lower thresholds. Credit cards, and choose the right credit card according to your actual needs, let’s take a look below.
Why is it difficult to apply for a card for the first time?
People who apply for a credit card for the first time are collectively called novices. Because these people have never applied for a credit card or loan business, their credit records are blank, and the bank has no way of knowing their financial status and repayment. ability, so you will not apply for a card easily, especially the credit card application threshold of the four major state-owned banks is higher.
So it is best to apply for a credit card from a commercial bank for Baihu. Compared with the four major state-owned banks, credit cards from commercial banks such as Bank of Communications, China Merchants Bank, and Minsheng Bank are easier to apply for and get approved. The amount is also high.
Here are three credit cards introduced to you
1. Guangfa Bank DIY Credit Card
Guangfa Bank’s credit card is easier to apply for. Generally, you have a stable job and income. If you meet the card application conditions, you can apply online.
The reason why this credit card is introduced is that the card can enjoy 3 times the points at merchants of your choice. Users can accumulate 3 times the points when spending at restaurants, entertainment, shopping and travel merchants.
In addition, Guangfa Bank's popular credit card event - Friday Guangfa Day has been launched again. On Fridays, you can enjoy buy one, get one free or half-price discounts on food, drinks, entertainment and Tesco.
2. China Merchants Bank YONG Card
This card is the easiest credit card to apply for. Freshly graduated college students can apply as long as they have a stable job. The biggest advantage of this card is that There is no handling fee for the first cash withdrawal every month, and the cash withdrawal limit is up to 100%. Cardholders who are applying for a card for the first time will have no difficulty choosing this card.
In addition, new customers who apply for this card can also receive gifts (Samsonite backpack, Pentium electric shaver, and 1,000 points from China Merchants Bank Credit Card, choose 1 out of 3). In addition, there are also many promotions at the China Merchants Bank Credit Card Center. , such as 50% off on food, watching movies, singing, etc. are all very attractive!
Finally, it is recommended that card friends who apply for a card for the first time should also choose a bank based on the number of bank branches in their location. After all, using a card is to facilitate daily life, so it is best to choose a bank with more branches in the area. bank!
Is it difficult to apply for a Bank of China credit card?
It is difficult to apply for a Bank of China credit card. The card approval is very slow, and the limit is not high, about 10,000. It is recommended that you apply to Bank of Communications or China Merchants Bank.
Dear, you have the following application methods:
Currently, all types of state-controlled banks, joint-stock commercial banks, both national and regional banks are actively Consumers are encouraged to apply for credit cards. They are also trying their best to improve their service efficiency in order to better serve consumers. Of course, since each bank has different standards, consumers may feel that some banks' credit cards are not easy to handle.
Generally speaking, China Construction Bank, Agricultural Bank of China, Bank of China, and Industrial and Commercial Bank of China have higher credit card application conditions and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks. Regional banks are more efficient than national banks. For example, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank, Guangfa Bank, etc. are relatively more efficient in card processing and have higher credit limit approvals.
In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit must make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards, and the higher the credit card limit will be. Therefore, the editor is here to give you some tips so that you can apply for a credit card as soon as possible:
1. No matter which bank you apply for, the more detailed personal information you prepare, the better. Especially documents that document the condition of your property.
2. You can apply for a credit card online, which saves the time of waiting at the business office.
3. If you want to apply for a credit card with a larger limit, it will be more troublesome to apply at the four major state-owned banks. You may consider other banks.
That’s it for the introduction to the difficulty of applying for a credit card.