What does the standard white card mean? Minsheng Bank Credit Card
The standard white card is the standard platinum credit card of China Minsheng Bank.
Application conditions:
1. Domestic residents must be over 18 years old and not over 65 years old, foreigners and compatriots from Hong Kong, Macao and Taiwan must be over 25 years old and not over 55 years old. 1 year old;
2. Have full capacity for civil conduct;
3. Business owners with stable income and strong spending power, middle managers of large enterprises, executives of medium-sized enterprises, and A person with a certain social reputation and financial strength.
Extended information
The functions of Minsheng Bank’s credit card are as follows:
1. Dual-currency credit card allows cardholders to travel around the world.
Minsheng Dual Currency Credit Card has dual accounts in RMB and USD, with automatic conversion of domestic and overseas settlements. Overseas consumption payments can be made in both currencies, allowing cardholders to experience the convenience of global travel.
2. Revolving credit, advance consumption and convenient financial management.
Minsheng Credit Card will flexibly grant credit limits based on the cardholder's credit status. You can consume within the credit limit first and repay later, and enjoy an interest-free repayment period of up to 51 days. During holidays and when customers go abroad, Minsheng will take the initiative to increase the temporary limit for customers, and will also actively increase the limit for customers who continue to use their cards in good condition.
3. People’s Livelihood 1 1. Smart repayment saves time and worry.
You only need to apply for a Minsheng Savings Card (i.e. debit card) as a Minsheng Bank credit card automatic repayment account. The card center will automatically transfer the money from the savings card account to the credit card account on the final repayment date. Used for current period repayment, eliminating the trouble of not having time to repay in busy work life.
4. Customer service hotline, listening to the needs of cardholders 24 hours a day.
Minsheng Credit Card’s 24-hour customer service hotline provides comprehensive and convenient services anytime and anywhere.
5. Cash advance can help cardholders meet their unexpected needs.
Use Minsheng Credit Card to easily withdraw cash at ATMs with the UnionPay logo in China and VISA or MasterCard logo overseas to meet your emergency needs.
6. Report the loss by phone to avoid the risk of theft in time.
If you find that your Minsheng Credit Card is lost, please call the Minsheng Credit Card customer service hotline immediately to report the loss. After the credit card loss report takes effect, the credit card risks incurred by transactions other than the cardholder's own will be borne by Minsheng Bank, and the card center will issue a new card to the cardholder as soon as possible upon the cardholder's request.
7. Optional signature/password to ensure safe use.
Minsheng Credit Card has the optional function of swiping the card with signature or signature plus password, making cardholders' credit card use more flexible and safer.
8. SMS transaction confirmation allows cardholders to feel at ease when using their cards.
Minsheng Credit Card has a transaction SMS notification function. Cardholders can receive SMS notification services for all transactions so that they can keep track of changes in their credit card accounts.
9. Combine points to redeem more surprises.
Minsheng has launched a points accumulation system for cooperative merchants. The points spent at Minsheng's many well-known partners can be accumulated together, so that cardholders will have the opportunity to redeem more exquisite gifts or airline miles.
Baidu Encyclopedia--Minsheng Bank Credit Card
The limit of the GuimeAE white credit card is 50,000 yuan.
Longka Gemme Credit Card is a credit card launched by China Construction Bank. The Longka Gemme Credit Card is a platinum card. Depending on the credit rating, the limit is usually above 50,000, but this is subject to the bank's final audit results. The annual fee for this card is 580 yuan/year, and there is no annual fee for 10 transactions per year.
Credit card limit:_
Credit card limit, also known as the credit card available limit, refers to the maximum amount that can be used by your credit card. It includes the credit limit (that is, the maximum amount that a credit card can use) overdraft limit) and the amount deposited on the credit card.
The limit of any credit card depends on the effective income and asset security value provided by the individual during the application process. The credit limit of a credit card is positively correlated with the applicant's income and secured assets, that is, the higher the income and secured assets, the higher the credit limit obtained. Therefore, applicants must provide proof of income, provident fund social security, and asset guarantee statements. Asset guarantees include fixed assets such as real estate and cars, as well as current assets such as savings and bonds.
Different credit card levels have different limits, among which:
1. The limit of a regular credit card is about 3,000-10,000;
2. The limit of a gold credit card It is about 10,000-50,000;
3. The limit of credit card platinum card is more than 50,000, and so on.
The credit card limit is mainly determined by the credit card applicant's personal credit, repayment ability and other comprehensive qualifications. If you want to know how much credit limit you have, you can go to the bank to apply for a credit card.
A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.
What is the credit card CCB Joy Card c
CCB Long Card JOY Credit Card is an exclusive credit card issued by our bank for young customers under the age of 35. The cards are divided into UnionPay Standard Platinum Card, VISA Standard Platinum Card, MasterCard Standard Platinum Card, JCB Standard Platinum Card and UnionPay Gold Card (student version). The CCB joy card c held by the customer is labeled as a CCB UnionPay standard platinum credit card.
If you have any other questions, please consult the "China Construction Bank Customer Service" WeChat official account.
(In case of business changes, please refer to the actual situation.)
Advantages and Disadvantages of the CCB Credit Card Double Team Label
The advantages and disadvantages of the CCB Credit Card Double Team Label There are:
Advantages
1. The quota increase is good. You will always get it after using it for a period of time. The year is very important.
2. When calling customer service, mark The connection with the white card is quite fast
Disadvantages
1. A canceled card cannot be applied for again
2. The standard platinum card does not have free unlimited text messages Reminder, it is not an exaggeration to say that it is fake, and it is very appropriate
3. It says that you need to swipe a foreign card to get double points. This is entirely because of VISA and MASTERCARD. In China, you can only get double points within 60 days after opening the card. Double points, and there is no advantage in redeeming white-labeled points.
1. CCB LineFriends Duo Group is labeled as UnionPay single-logo magnetic stripe IC composite card, and the limit range is between 5,000 yuan and 200,000 yuan. Judging from the initial credit limit of credit cards issued by China Construction Bank, as a standard platinum card linefriends duo, the application threshold will not be very harsh. If you encounter a low limit of 5,000 yuan due to the credit conditions you apply for, don’t rush to cancel the card. Use the card well and maintain it. That's the way to increase your forehead.
2. The limit of CCB’s standard platinum credit card can reach up to 200,000 yuan. The bank will proactively adjust the permanent limit from time to time based on each person’s card usage.
After receiving your application, the bank will make a comprehensive score based on the information provided by each person. You can submit proof of financial resources under your name and apply at a local CCB branch. For example, if you have real estate or car property in your name, if you are with CCB Large-deposit deposits can also be provided on a regular basis. The more materials you have, the more helpful it will be for the new card review and credit limit review. The specific overdraft limit that can be obtained will be comprehensively assessed by the bank's reviewers based on the credit status.
3. Issues that you should pay attention to when repaying credit cards:
1. Cash withdrawal fees cannot be paid in installments
Occasionally, when you need cash urgently, it will When you use a credit card to withdraw money for urgent needs, everyone knows that there is a handling fee for withdrawing cash by credit card, and this handling fee cannot be installmentd. If you use a credit card to withdraw cash, you must remember this account.
2. The temporary limit cannot be divided into installments
Similar to the cash withdrawal fee, the temporary limit is used to relieve the credit card limit in seconds, and can avoid the embarrassing situation of insufficient limit during holiday consumption. However, the temporary quota used cannot be installmentd, and you must pay back as much as you use. Therefore, cardholders should not overdo it when using the temporary limit~
3. Pay attention to automatic repayment
A must-have service for lazy and forgetful people. Turning on automatic repayment can automatically help you pay off your debt on the repayment date every month, which is good news for lazy and forgetful people. Although automatic repayment is good, it still has shortcomings. If the balance in your savings card for automatic repayment is not enough to repay, the automatic repayment will fail. If you are not careful at this time, you may not repay in time. , causing overdue. Therefore, when using automatic repayment, make sure there are sufficient funds in the savings card to repay the loan.
What kind of card does CCB UnionPay’s C-label White Second Approval belong to? What is the general amount?
CCB UnionPay C-label white-second approval is a credit card, and the limit is usually between 10,000 and 50,000 yuan, but the specific limit may vary.
China Construction Bank does not clearly stipulate the upper and lower limits of credit card credit limits. When applying for a CCB credit card for the first time, the limit is often not high and should not exceed 10,000 yuan. The limit for CCB gold cards is only between 10,000 and 50,000 yuan.
The credit limit when applying for a CCB credit card for the first time is closely related to the card application information provided by the applicant. The more detailed the information, the higher the success rate of the card application, and the corresponding credit limit will be higher, and it is more difficult to increase the fixed credit limit for CCB credit cards. , usually you need to submit additional proof of financial resources, so if you are applying for a CCB credit card for the first time, it is recommended to provide as many supporting materials as possible.
Extended information:
Notes:
1. You can use a credit card when using a credit card, because there is no interest period when making purchases; and then the annual consumption of the PU card If the amount is more than 3 times, the annual fee will be waived.
2. Try not to withdraw cash: not only will there be a handling fee for withdrawal, but there is no interest-free period, and the daily interest rate is extremely high, which is not worth it.
3. If money is tight, you can use the lowest repayment. Although the interest rate is low, it will not affect your credit history. But it’s best to pay it off as soon as possible.
4. Changing the repayment date to 3-5 days after the salary date can avoid financial difficulties to a certain extent. Try not to change payment dates too often.
5. Do not apply for an excessively high credit limit. Usually the credit card limit is the best amount of three months' personal salary.
What are the application requirements for CCB Standard Platinum Credit Card?
China Construction Bank Platinum Card is divided into Platinum Savings VIP Card and Platinum Credit Card. Among them, if you want to apply for a Platinum Savings VIP Card, you need to meet one of the following conditions:
1. The average monthly balance of CCB’s financial assets within one year is more than 500,000 yuan.
2. The average monthly balance of personal loans within one year reaches more than 1 million yuan, with good repayment status and no bad records.
3. The cumulative consumption of Dragon Card within one year is more than 100,000 yuan.
Platinum credit card application conditions:
1. Personal annual income of more than 300,000 yuan.
2. Personal financial assets in China Construction Bank exceed 500,000 yuan.
3. Personal assets reach more than 3 million yuan.
4. For non-CCB customers, the requirements for personal financial net assets are higher and need to reach more than 800,000 yuan.
1. China Construction Bank Platinum Card is divided into Platinum Savings VIP Card and Platinum Credit Card. The application conditions for the two are different. To apply for a Platinum Savings VIP Card, you need to have CCB’s financial assets of more than 500,000 yuan within one year, the average monthly personal loan balance of more than 1 million yuan, or the accumulated Long Card consumption amount is more than 100,000 yuan. China Construction Bank Platinum Card is divided into two types: Platinum Savings VIP Card and Platinum Credit Card. The application conditions for the two are different. To apply for a Platinum Savings VIP Card, you need to have CCB’s financial assets of more than 500,000 yuan within one year, the average monthly personal loan balance of more than 1 million yuan, or the accumulated Long Card consumption amount is more than 100,000 yuan.
2. CCB Platinum Card limit. CCB Platinum Cards are divided into multiple series. Among them, the standard platinum credit card limit can be up to 200,000 yuan. The bank will make irregular adjustments based on the cardholder’s usage and repayment records. If you feel that you need approval when using CCB Platinum Credit Cards, If your credit limit is not enough and you need to increase your credit card limit, you can call the CCB Platinum Credit Card 24-hour customer service hotline to apply for a temporary increase in your credit limit.
3. Annual fee for CCB Platinum Card. At present, China Construction Bank has launched multiple platinum card series including standard platinum card, elite platinum card and exclusive platinum card based on customer segmentation. The annual fee for each series of platinum cards is different. The annual fee for the standard platinum card is 360 yuan per year, the annual fee for the elite platinum card is 1,800 yuan; the annual fee for the distinguished platinum card is 3,600 yuan; and the annual fee for the diamond platinum card is 5,800 yuan. ; The annual fee for CCB Obai Card is 580 yuan per year.
IV. What are the benefits of CCB Platinum Card:
1. Specialized financial services: 24-hour VIP line service 365 days a year, priority queuing service at outlets, preferential interest rates for personal consumption loans, The credit limit of the card itself can reach 1 million yuan, and you can get double points for spending with the card, which is valid for many years.
2. Enjoy air business travel privileges: free access to the services of more than 500 VIP lounges at domestic and foreign airports.
3. Book one airline and enjoy many discounts such as buy one, get one free.
4. Casual dining: including 28 first-class golf clubs throughout the year, free social matches, 12 free green fees throughout the year, etc.
Aviation accident insurance of RMB 51,000, and public transport accident insurance of RMB 1 million.
That’s it for the introduction of white-label credit cards.