What is the general limit of Industrial Bank’s Platinum Card?
The general limit of Industrial Bank’s Platinum Card is between 50,000 and 300,000, that is, the minimum guarantee starts at 50,000 and the maximum limit is 300,000. Everyone's credit limit is different, and it will be comprehensively assessed based on the application information you provide and your personal credit situation. Each person’s quota is not fixed and will change according to each person’s actual situation.
Platinum Card is a high-end credit card or savings card jointly launched by bank card organizations and commercial banks and other institutions.
UnionPay card is a bank card jointly launched by China UnionPay and commercial banks and other institutions. It starts with 62 and has the UnionPay logo on the card surface. UnionPay cards only have the UnionPay logo on the card surface and no other card brand logos. They are also often called single-logo UnionPay cards.
Extended information:
1. UnionPay cards are subdivided into four categories: ordinary cards, gold cards, platinum cards and diamond cards based on card levels and service rights.
Like other UnionPay cards, the UnionPay Platinum Card starts with 62 and has the UnionPay logo on the card face. In terms of appearance characteristics, the card issuer identification area on the front of the card is printed with the "Platinum Card" product name in English or English and local common text, or the "Platinum" Platinum Card product identification pattern uniformly designed by UnionPay is used on the card surface (UnionPay The Premium Platinum Credit Card uses the PriorityPlatinum pattern). The base color of the card is usually metallic white gold.
Second, the current application conditions stipulated by the Industrial Bank Credit Card Center are:
(1) Applicant qualifications: Applicants must be over 18 years old, have full capacity for civil conduct, and have legal and stable income. Individuals with good credit card origin and good credit can apply to our bank's card issuer for a master personal credit card with their valid identity documents.
(2) To apply for a platinum credit card, you must have a house and a car. Among them, the value of the car is more than 250,000, and the real estate is more than 75 square meters. The limit is usually above 30,000, depending on your bank assets.
(3) If you have qualifications such as a certified public accountant, lawyer, economist, tax accountant, appraiser, etc., it is easier to apply successfully.
The materials to be prepared are:
1. Identity certificate: copy of resident ID card or military officer ID;
2. Work and income certificate: where you are Wage certificate issued by the work unit (need to be stamped with the unit’s financial seal or the unit’s official seal), and a copy of social security (need to be paid for more than half a year).
3. The differences between the regular credit card, gold card and platinum card:
1. Credit card limit. The credit card limit refers to the maximum overdraft amount approved by the bank based on the cardholder's asset status and credit status. The higher the limit, the more money you can overdraw, and of course, the greater the repayment pressure. The limit of a regular credit card is generally 3,000 to 10,000 yuan, while the limit of a gold card is generally 10,000 to 50,000 yuan. Platinum cards cost 100,000 or even 500,000.
2. Annual fee. The annual fee of the Platinum Card is higher than that of the Gold Card, while the annual fee of the Gold Card is higher than that of the Regular Card. Taking the Bank of Communications Pacific Credit Card as an example, the annual fee for the gold card is 200 yuan, while the annual fee for the regular card is only 140 yuan. However, many banks directly waive the first-year annual fee for gold cards. As long as the card is swiped 6 times in the first year (no limit on the amount), the annual fee for the next year will be waived. Online payments are not counted in the number of card swipes.
3. Credit card discounts. Because the card levels are different, the benefits enjoyed are also different. Generally, platinum and gold credit cards can enjoy higher discounts at preferential merchants and redeem points for gifts, while regular credit cards can enjoy slightly lower discounts, and platinum cards can enjoy many value-added services provided by banks. For example: airport VIP lounges, free golf, skipping the queue at the bank, etc. "
How much is the general limit of an Industrial Bank credit card?
The common credit card limit of Industrial Bank credit card is 1,000-5,000 yuan, and the gold card limit is 5,000-50,000 yuan.
Credit card, also called 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 name of the issuing bank, validity period, number, cardholder 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 appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("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 that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions. 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. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only. Starting from January 1, 2021, credit card overdraft interest rates will be determined independently by card issuers and cardholders through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. 0.7 times). On May 25, 2021, the Supreme People's Court issued and implemented the "Regulations of the Supreme People's Court on Several Issues Concerning the Trial of Bank Card Civil Cases".
How much is the amount of Xingxiang’s bonus? These aspects affect the limit level
Xingxiang Dabaijin is a card launched by Industrial Bank not long ago. This card has many high-end benefits, so it has attracted a large number of card lovers to pay attention to this platinum card, and many people with sufficient assets and financial resources have applied for this credit card. As for Xingxiang Da Platinum, in addition to its rights and interests, people are also very concerned about its quota. So, how much is the amount of Xingxiang’s bonus?
What is the credit limit of Industrial Bank?
1. The limit of Industrial Bank’s regular credit card is generally between 3,000 and 10,000 yuan;
2. The limit of Industrial Bank’s gold credit card is generally between 10,000 yuan and 10,000 yuan. RMB to about RMB 50,000;
3. The limit of Industrial Bank Platinum Credit Card generally starts at RMB 50,000, and the amount that can be applied for varies according to the applicant's comprehensive qualifications. Most people have a maximum limit of 200,000, but there are also many people who apply for an Industrial Platinum Card with an annual fee of more than 200,000, or even as high as one million.
How much is the amount of Xingxiang’s bonus?
As the standard platinum card of Industrial Bank, the limit of Xingxiang Da Platinum will not be low. Generally, there can be a quota of hundreds of thousands, or even hundreds of thousands. The specific amount depends on the applicant’s comprehensive qualifications.
Factors affecting the limit of Industrial Bank Platinum Card
If you want to apply for a high Xingxiang Platinum Card limit, you must ensure that your credit conditions are good enough. The following aspects are what banks will focus on.
1. Your income and asset level are the main basis for the bank to approve your credit limit;
2. Your marital status will also affect the credit limit. , married people are more popular than unmarried people;
3. The level of academic qualifications will also affect the credit card limit you apply for;
4. A good credit situation is also a must Indispensable.
The above is the answer to "How much is the Xingxiang large bonus amount?", and also summarizes several aspects that will affect your application for Xingxiang large amount. Like Xingxiang Platinum, as a platinum card, the limit is naturally not low, but the limit also depends on your qualifications, so if you want to be approved for a high limit, your credit conditions must be good.
How about Industrial Bank Credit Card?
Credit cards from China Merchants Bank, China Everbright Bank, and Ping An Bank are relatively easy to apply for.
Supplementary information:
It is very simple to apply for credit cards from China Merchants Bank, Everbright and Ping An. All you need is your work badge, medical insurance card and ID card. China Merchants Bank can also directly apply and fill in the information on the official credit card website, and the bank will send the credit card after verification. In terms of quotas, these three will also be higher than the four major state-owned banks.
Extended information:
1. The application conditions for China Merchants Bank credit card are:
1. The applicant is between 18 and 60 years old and has Chinese nationality.
2. Applicants must have a relatively stable job and income, with an average monthly income of no less than 3,000 yuan.
3. The applicant must provide the bank statement of the salary card and the list of personal social security accounts for the past 6 months. If you have a car or a house, you can also provide a real estate certificate and a car driving license.
4. Applicants must have a fixed place of residence and be able to provide proof of permanent residence, daily payment receipts, etc.
5. Applicants must have good personal credit.
As we all know, the requirements for applying for a credit card from China Merchants Bank are that you are over 18 years old, have a stable job and income, have a qualified personal credit report, etc.
6. Applicants for China Merchants Bank credit cards must have certain financial ability and no bad credit record. Applicants should be between 18 and 60 years old (overseas applicants are between 25 and 60 years old).
2. Basic conditions for Everbright Bank credit card:
1. Credit card applicants must be between 18 and 65 years old (inclusive), have full capacity for civil conduct, and be legally stable Income and personal credit report in the People's Bank of China are in line with China Everbright Bank's card issuance conditions.
2. A valid original ID card must be provided upon request (including but not limited to domestic resident ID card, foreigner’s passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, etc.).
Which bank has the highest credit card limit
1. Industrial Bank: Industrial Bank has a relatively low threshold for applying for a card. Applying on Alipay makes it easier to apply for the card, but it generally requires Sesame points. You can apply if you have a score of 620 or above. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be above 90%.
2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Duck-themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.
3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.
4. GF Zhenqing Credit Card: GF Zhenqing Credit Card is a women’s card launched by China Guangfa Bank. It has outstanding advantages in shopping, women’s insurance, etc.! At the same time, you can choose one of the four major merchant types including department stores, restaurants, tourism, and entertainment to enjoy three times the points for swiping your card. However, it is important to note that once this is selected, it cannot be changed.
Is the limit of Xingchuan Credit Card high?
It should be Industrial Bank instead of Xingchuan
High
The limit of Industrial Bank Credit Card is based on It depends on the credit card level. The higher the credit card level, the larger the limit. Of course, the review during application will be more stringent. Industrial Credit Cards are divided into three types: regular card, gold card, and platinum card, with corresponding credit limits of 3,000-10,000 yuan, 10,000-50,000 yuan, and more than 50,000 yuan respectively. Overall, the Industrial Bank credit card limit is relatively large.
Industrial Bank Co., Ltd. ("Industrial Bank" for short) was established in August 1988. It is one of the first batch of joint-stock commercial banks approved by the State Council and the People's Bank of China. In 2007, it was officially registered in Shanghai Securities It is listed on the exchange (stock code: 601166), and its head office is located in Fuzhou. [1]
Since its opening thirty years ago, Industrial Bank has always adhered to the business philosophy of "sincere service and accompanying growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services. As of the end of 2014, Industrial Bank's total assets exceeded 4 trillion yuan, reaching 4.41 trillion yuan, an increase of 19.84% from the beginning of the year; net assets per share attributable to ordinary shareholders were 1.286 billion yuan, an increase of 22.61% from the beginning of the year. The annual operating income was 124.834 billion yuan, a year-on-year increase of 14.23%; the net profit attributable to shareholders of the parent company was 47.108 billion yuan, a year-on-year increase of 14.31%; the weighted average return on equity remained at a high level of 21.19; 108 stores have been established in major cities across the country branches, 1,435 branches; it owns subsidiaries such as Industrial International Trust, Industrial Financial Leasing, Industrial Funds, Industrial Consumer Finance, Industrial Wealth, and Industrial Guosen Asset Management, forming a bank-based business covering trust, leasing, funds, securities, A modern financial services group including consumer finance, futures, asset management, etc.
As China's first "Equator Bank", Industrial Bank always adheres to the "scientific and sustainable" development concept, operates in a legal, stable and civilized manner, and takes into account the protection of shareholders, customers, banks, employees and the social environment. interests of all parties and actively practices corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad. [2]
In August 2021, the 2021 Fortune Global 500 was released: ranking 196th.
This ends the introduction about which Industrial Bank credit card limit is higher and what the Industrial Bank card limit is. Did you find the information you need?