If I have a mortgage and want to apply for a credit card, which credit card is suitable?

Yes. It is recommended to apply for a credit card from a mortgage bank first. Mortgage loans do not affect credit card applications. Generally speaking, banks will analyze and score the overall qualifications of applicants. The scoring criteria will include the applicant’s safeguard support score and financial support score. Among them, the economic support score includes monthly debt repayment. The higher the monthly debt, the lower the score. The security support score includes the housing rights score, which is high but low for private home purchase. So these two factors can essentially cancel each other out for simple debt without affecting a credit card application.

In addition, mortgage loans, as a bank's loan business, are closely related to the credit card business. When applying for a mortgage loan, banks will strictly scrutinize the applicant's qualifications. At the same time, the purchased house is more secure as a mortgage loan. In the eyes of banks, mortgage applicants have demonstrated financial standing and have collateral, making it easier to get approved for a card, even with a higher credit card amount. With a mortgage record, applying for a credit card from any bank is easy to get approved. Mortgage is a very high-quality asset, so as long as you have a mortgage, no matter which bank you go to to apply for a credit card, you can go through it smoothly. The premise is that you have a stable job.

If which bank is the best to approve, it must be your mortgage bank, because your house has been mortgaged to him, what does he have to worry about? In addition, if you don’t have a credit card on hand, try to apply for a credit card from the four major banks, because the credit card risk control of the four major banks is relatively loose, and the activities and benefits are better. However, I recommend that you apply for 1 to 2 credit cards and not too many. On the one hand, there are too many credit cards that are difficult to manage. On the other hand, if you don't use a credit card, you may be charged an annual fee. If you forget to repay, it will lead to overdue payment and have a negative impact on your credit investigation. If the mortgage is not overdue, I recommend first applying for a credit card from the bank you use. For example, if you use a savings card from Ping An Bank and have a certain amount of deposits and withdrawals in the bank every month, the bank's credit card approval rate will be higher and the amount will be higher. So when you see this, you can apply for a credit card from another bank by "applying a card." Generally, the limit is the first one or above.

The reason is that all your asset information, job information and loan repayment information are in the bank. Since your situation has been investigated on the spot, the bank does not need to verify the content filled in your credit card application form, so credit card approval is most efficient. As for which banks you can apply for a credit card from, of course, all banks are acceptable. If your mortgage lender is a big bank, once you've obtained a credit card from one bank, it's relatively easy to apply for credit cards from other banks. This is called "card-by-card application", and other banks will also refer to the credit card the bank gives you. If you do not apply directly to the bank through the above methods, the credit limit given by the bank will not be very large, because the bank does not know your assets, and you can give a basic credit limit. Therefore, if you want an ideal credit limit, it's best to apply for a credit card from your mortgage bank first.

I bought a car and applied for a mortgage loan at Bank of China. The bank issued me a credit card. Can this card be used as an overdraft? I just need to swipe the card to buy things. Know how to get in.

Bank of China will The personal financial resources and comprehensive credit status you submit when applying for a credit card determine whether you meet the card application conditions and credit limit. In the end, please refer to the actual approval results. Generally, the credit card limit range is from 0 to 2 million yuan. Please use your The credit card limit shall prevail.

The above content is for your reference, please refer to actual business regulations.

Is it easy to apply for a credit card from a mortgage bank? Is the limit high?

Nowadays, many people buy a house with a loan, and then they want to apply for a credit card at the lending bank. Many people think that a mortgage loan can be regarded as a kind of proof of financial strength, and since they have business dealings with a lending bank, it should be easier to apply for a credit card. So, is this the case? Let’s find out together.

1. Is it easy to apply for a credit card from a mortgage bank?

Compared with other banks, it will be easier to handle. As mentioned above, one is to have business dealings with the bank, and the second property is regarded as proof of financial resources. But can it be done? Approval depends on the applicant's credit conditions and the card level chosen.

After all, credit card approval and mortgage approval belong to two departments respectively. In addition, many people apply for mortgage loans from the four major state-owned banks, so the threshold for credit card application is relatively high. It is recommended here that it is best to apply for a card after paying off 6 mortgage payments, and keep the debt low. Start with a regular card or a gold card first, as the success rate will be higher.

2. Is the credit card limit provided by a mortgage bank high?

If you apply for a credit card at a mortgage bank, the approval rate is relatively high, but it does not mean that the limit will be high.

Especially the mortgage loans are provided by the four major state-owned banks. It is good if the credit card can be approved. If you want to obtain a high limit, you must have a large deposit certificate at the bank, or purchase financial products, etc. These banks value it the most. What matters most is the applicant’s asset strength, not to mention that the mortgage loan will also lower the applicant’s repayment ability.

According to many cardholders, when they applied for a mortgage loan from China Construction Bank, they were only given a limit of 10,000 yuan when applying for a credit card, while when applying for a card from other commercial banks, the limit was at least 20,000 yuan. .

Will applying for a credit card during the process of applying for a mortgage have an impact on the application for a mortgage?

Will it have an impact?

The "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks" have corresponding provisions:

Article 40 The card-issuing bank shall establish and improve the credit review system of credit card applicants, clarify the management structure and Internal control mechanisms. Card-issuing banks should conduct credit investigations on credit card applicants.

Fully verify and completely record the applicant’s valid identity, financial status, consumption and credit history and other information, and confirm that the applicant has a fixed job, a stable source of income or reliable repayment guarantee.

Extended information:

Relevant legal provisions of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks":

Article 61 The cardholder continues to request payment exceeding the limit To complete an overdraft transaction that exceeds the credit limit, the card-issuing bank must immediately stop using the card beyond the credit limit after the end of the second billing cycle.

When a card-issuing bank conducts credit card marketing activities to students on the campus of any educational institution, it must notify the relevant educational institution in advance of the specific location, date, time and content of the marketing activity and obtain the consent of the educational institution.

Article 62: Card-issuing banks shall provide complaint handling services, establish unified and efficient complaint handling procedures based on the characteristics and complexity of credit card products (services), clarify the management department for complaint handling, and publicly disclose complaints. processing channels.