1. Is it easy to apply for a Bank of Communications credit card?

It is particularly easy to apply for a Bank of Communications credit card. However, the only drawback is that the limit is not too high. Currently, Bank of Communications' credit cards include youth card, standard card and co-branded card. Each card has different application conditions. If you meet the card application conditions, it is relatively easy to apply for the card. As long as the following conditions are met, it is easy for users to apply for a Bank of Communications credit card: 1. The applicant is over 18 years old and has full capacity for civil conduct; 2. The applicant has a legal and stable job and income; 3. The applicant has the ability to repay The ability and willingness to repay the debt; 4. The applicant has a fixed residence in the local bank where the card is applied for; 5. The applicant's personal credit status is good and there is no bad record; 6. The applicant meets the additional conditions stipulated by the Bank of Communications. Expanded information; 1. Youth Card: If you want to apply for a youth card, you need to have a college degree or above recognized by the National Education Commission. After your unit hires you, you have worked continuously for no less than 6 months, and have passed the probation period. If you are between 18 and 30 years old, you can apply with your ID card alone. This can be done over the counter or through direct sales. The limit of this card generally starts at 5,000, and the cash withdrawal limit is the same as the credit limit, making it more cost-effective for young people to use. 2. Standard Card: This card requires you to be over 18 years old, but not over 65 years old. Your annual salary from work is at least 24,000. When applying, you must submit a copy of your ID card, proof of income, and proof of residence; 3. Co-branded cards: Bank of Communications currently launches N types of co-branded cards, such as Suning Card, Walmart Card, and Jinjiang Inn Card , aviation secretary card, etc., and also launch their own co-branded cards for different regions. Generally, this kind of card can be applied for at direct sales stores or stores like Suning and Wal-Mart. The documents submitted are usually ID card and proof of income or employment. 4. Bank of Communications credit card application conditions are divided into two categories: main card and supplementary card, and the required conditions are different. (1) To apply for a new card or additional card, the applicant must be between 18 and 60 years old, and for the youth card, the applicant must be between 18 and 35 years old; the applicant is required to have full civil capacity; and Stable job and source of income, able to repay loans on time; personal credit status is required to be good. (2) To apply for an supplementary card, the supplementary cardholder must be at least 16 years old, and must be a parent, child, spouse or other direct relative of the main cardholder. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits in life and career, know how to enjoy, and are more willing to struggle. Sometimes they also go abroad to study and do business." , research or travel needs.

2. Is it easy to apply for Bank of Communications credit card?

The credit card of Bank of Communications is good. It is relatively easy to apply. As long as your credit report is good and you have a stable source of income, you can apply online yourself or go to a Bank of Communications branch to apply. Credit payment is a newly launched online personal credit loan product of Bank of Communications. It is necessary to bind the applicant's Alipay or WeChat for online consumption, which is somewhat similar to a virtual credit card type product. However, the loan limit and credit card limit for credit payment are not exclusive, but will be the same as those of the previous Huimin Loan. The limit is exclusive.

3. Is it easy to apply for a Bank of Communications credit card?

Now that the government prohibits credit cards for students, you can apply directly on the Bank of Communications website when you are working.

4. How to calculate the installment payment fee for Bank of Communications credit card?

It depends on how many installments you pay. It is usually a multiple of 3 for other cards except Youth Card. You can pay in installments if you pay more than 1,500 yuan. For example, if you pay 3,000 yuan in 3 installments, each installment is 30,000.72 yuan = 21.6 yuan. The monthly installment fee is 21.63 yuan = 64.8 yuan. I am a Chengdu Bank of Communications business. Member. Hope Meng helps you