Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v5.6.7.00 1
First, open the China Construction Bank APP.
Second, use your construction bank to bind the mobile phone number of mobile banking to log in. If you are logging in for the first time, you can log in with your ID card or directly use your bank card.
3. Click "Credit Card" at the bottom of the screen, and then slide down to find "Credit Card Management". Slide to the second page to view the pre-approved amount.
4. Click on the pre-approval quota to find out if you have a quota.
1. What is the pre-approval amount?
The bank's pre-approval limit is the business limit granted by the bank to customers, and customers can handle any credit business within this pre-approval limit. Generally speaking, the bank's pre-approval quota is mainly divided into pre-approval quota for car purchase, pre-approval quota for credit card and pre-approval quota by stages, and different quotas can only be used for special purposes.
However, there is still a difference between the pre-approval amount and the actual card amount, which cannot represent the actual card amount. Sometimes even if there is a pre-approval quota, it may not be approved. The actual effect of pre-approval quota is that compared with customers without pre-approval quota, such small partners have a higher pass rate in handling business.
2. What is the difference between the pre-approval amount and the actual card amount?
The most intuitive meaning is that the pre-approval amount is not the actual card amount, but it can be regarded as the highest credit limit. When your pre-approval amount is 10000, it means that you can approve 10000 at most, depending on the approval result.
If you want to improve your qualifications, you need to have good credit and low debt ratio. If you have a mortgage or car loan, it is easier to get a card. In the case that everyone has a pre-approval quota, you can check what are the shortcomings of your credit information first, and then consider applying for a card after the credit information is repaired.
The credit card pre-approval limit is still conducive to handling the card, which can be regarded as the highest credit limit, but the specific limit depends on the qualification of the cardholder.