Is it easy to apply for a Everbright Bank credit card?

Is it easy to apply for an Everbright Bank credit card?

Compared with other major banks, the credit card application threshold of China Everbright Bank is relatively low. You can choose to apply at the counter of China Everbright Bank or apply online. And it is worth mentioning that China Everbright Bank’s credit card is free of annual fees in the first year. After swiping the card three times, the annual fee will be waived in the second year. There is no consumption limit, and users will be provided with free SMS reminder services. From these aspects, the services of Everbright Bank's credit cards are very user-friendly, and they often launch a series of preferential activities, and the card design is relatively novel. It is deeply loved by young people and has a long interest-free period, so many people apply for Everbright Bank credit cards.

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Is it easy to apply for an Everbright Bank credit card?

Hello, how about applying for a Everbright Bank credit card? The credit card rate is relatively high, so it is relatively easy to apply for. However, Everbright Credit Card has relatively high personal credit requirements, which needs to be paid attention to.

Whether the Everbright Bank credit card is easily approved mainly depends on whether the applicant can meet the approval conditions of the Everbright Bank credit card. The approval conditions are as follows:

1. The applicant for the main card must be at least 18 years old. Above, the applicant must not be over 65 years old and must have full capacity for civil conduct.

2. The applicant for the supplementary card must be over 16 years old, not over 65 years old, and must be an immediate relative of the main card holder.

3. The main card applicant must have a stable job, a legal source of income, and a monthly income that can repay the credit card bill on time.

4. Applicants for primary and supplementary cards must have good personal credit records and no major default records.

5. The main card applicant needs to have certain proof of financial resources, such as income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments, etc.

Information required for applying for a credit card:

1. Identity certification materials;

2. Work and income certification materials;

3 , Documents proving financial resources;

4. Educational qualifications, professional qualification certificates, self-owned real estate certificate, self-owned car driving license and other auxiliary materials.

Process:

1. Apply for an appointment online;

2. Staff will contact you three to five working days after the appointment to collect information;

3. It takes about 7 to 10 working days for the bank system to review personal information and call back;

4. If the review is passed, the credit card will be sent out in about 10 working days. .

Everbright credit card approval has the following characteristics:

1. When applying for a credit card, you need to submit proof of identity, work certificate, income certificate and other information;

2. The credit status is good and there should be no overdue records;

3. Income will affect the credit limit of credit cards;

4. The credit card limit of married applicants is higher than that of unmarried applicants. High;

Is it easy to get Everbright Bank credit card?

The Everbright Bank credit card is easy to apply for, as long as the applicant meets the approval conditions for the Everbright Bank credit card. The approval conditions are as follows: \r\n1. The main card applicant must be over 18 years old, not over 65 years old, and have full capacity for civil conduct. \r\n2. The applicant for the supplementary card must be over 16 years old and not over 65 years old, and must be a direct relative of the main card holder. \r\n3. The main card applicant must have a stable job, a legal source of income, and a monthly income that can repay the credit card bill on time. \r\n4. Applicants for both primary and supplementary cards must have good personal credit records and no major default records. \r\n5. The main card applicant needs to have certain financial proof, such as income tax withholding certificate, or documents proving the market value of houses, cars, deposits and investments, etc.

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I would like to ask whether it is a good idea to get a credit card from China Everbright Bank?

As we all know, people aged 18 to 65 years or over , individuals with full civil capacity, legal and stable sources of income, and good credit can apply for a credit card. Anyone can apply for a credit card. But whether the card can be successfully approved in the end depends on the person. From the mouths of many card gods, we know that these five types of people are more likely to be approved for credit cards.

When banks approve credit cards, they will score them based on the applicant's qualifications. The higher the score, the easier it is to approve the card. Generally speaking, applicants who meet the following characteristics will not have a very low score.

1. Have a sustained and stable income

In other words, a stable job. Whether the job is stable and whether there is income can reflect the applicant's ability to repay the loan. However, each bank has different views on this income stability.

For example, for the four major state-owned banks, for them, the people with stable jobs are generally employees of public institutions or state-owned enterprises, or employees of Fortune 500 companies. The jobs of these people are quite stable. , the income is also higher than ordinary people, and the repayment ability cannot be underestimated.

But for joint-stock commercial banks, as long as they have a job and income, and the working time is more than 3 months, it is equivalent to being stable. Generally, they are not very picky about the applicant’s workplace. If you are not a person in a high-risk occupation, it is still relatively easy to get stuck.

2. People with large deposits in the bank

People who have large deposits of more than 50,000 in the bank are generally high-quality customers of the bank. In the eyes of the bank, these people have deposits. , so there is no need to worry about their repayment ability. In addition to applying for credit cards on their own initiative, such people will also be invited by banks to apply for cards.

So, if you want to apply for a credit card from a certain bank, it is also a common method to open an account at that bank and save money to buy financial products.

3. College students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 2010, when college students first came into contact with credit cards, only China Merchants Bank China Construction Bank approves cards for college students.

So, if you are a college student, it is generally easier to apply for credit cards from these two banks.

4. Have a mortgage loan in a bank

If you have a mortgage loan from a bank, it is easy to apply for its credit card, and the limit is at least 10,000. If you want to apply for a state-owned credit card For credit cards from the four major banks, you can try this method.

Some cardholders reported that they got a mortgage from China Construction Bank, applied for a CCB credit card online, and got a gold card with a limit of 10,000 yuan.

Of course, these four situations do not necessarily mean you can apply for a credit card. These are just common situations.

If you want to apply for a credit card quickly, the second one among the three situations that is most likely to meet the conditions is that you have a deposit in the bank. As for how much deposit each bank requires, it is recommended that it be more than 50,000. , after all, banks do not look down upon deposits below 50,000.

This is the end of the introduction about whether Everbright Credit Card is easy to get approved and which Everbright Bank cards are easy to get approved. I wonder if you found the information you need?