China Construction Bank has mortgage business, the applicant has a good repayment record, and China Construction Bank has a good credit rating, so it is convenient to apply for a credit card. The credit card processing process is as follows: applicants can apply online, contact the credit card salesman to apply at home, apply directly at the counter, and apply for a credit card from the credit card bank; The staff of the credit card bank will pay a return visit to the telephone number in the application materials to verify whether the application materials are true, and misunderstanding of the information will directly lead to the failure of the application; After the applicant passes the credit card examination, he will receive a short message from the bank where the account is opened, waiting for the card to be mailed.

Can I apply for a credit card if I have a mortgage in CCB?

You can also apply for a credit card if you have a mortgage in CCB. As long as the customer's age is up to standard, his personal credit is good, he has a stable and legal income from work and the ability to repay on time, he can generally apply for a card. And as long as the customer's mortgage keeps a good repayment record, it will be helpful to handle the credit card.

Because banks can know that customers' previous credit and repayment ability have been recognized through their existing mortgages. As long as the customer's personal credit is still very good when applying for a credit card, and enough information on assets and income is prepared to prove his repayment ability, it is not a problem to apply for a credit card, and there is still a chance to be approved for a high amount.

Of course, if the customer is overdue in the process of repaying the mortgage, or when applying for a credit card, he can't prepare enough asset income data to prove that he has the ability to repay the loan on time, it will affect the handling of the credit card, and the bank is likely to refuse to approve the card because of the customer's credit problems or worry about the risk of overdue.