Any bank has both good and bad sides. Can't generalize, generalize. We should treat it rationally, split it in two and analyze its advantages and disadvantages. Industrial Bank is a regular bank. Approved by the People's Bank of the State Council, People's Republic of China (PRC) and China, it was established on August, 2008 1988. Industrial Bank is the first joint-stock commercial bank in Chinese mainland. Since its establishment, it has become one of the few national joint-stock commercial banks in China and has been well received by all walks of life at home and abroad.
Advantages of Industrial Bank Credit Card:
Save money: Under normal circumstances, the credit card of Industrial Bank has to pay an annual fee, but it also offers annual fee concessions. The Industrial Bank credit card handled in the first year can enjoy the annual fee-free policy. You can also waive the annual fee for the next year in the first year. As long as you swipe your card five times with any amount of Industrial Credit Card, you can save a lot of annual fees and enjoy it for free.
Large amount: customers generally do not choose a small Industrial Bank credit card. The maximum credit card limit of Industrial Bank Jinpu Card can reach 50,000 yuan, and there is no trouble of low credit limit.
Points: Industrial Bank will provide points for customers' credit card consumption, and customers can get gifts through the corresponding points provided by Industrial Bank. After the card expires, the cardholder will renew the card and the points will be renewed automatically.
Simple: The application process of Industrial Bank's credit card is very simple, and there is no need to provide guarantor and deposit. Industrial Bank can issue credit cards according to the applicant's personal credit situation.
Extensiveness: Industrial Bank credit cards can be consumed by special merchants with UnionPay logo nationwide, and can also be withdrawn from ATMs with UnionPay logo nationwide.
Security: In order to ensure the security of customers' cards, customers can enjoy the security guarantee of zero card loss risk.
Convenience: customers don't have to travel around for repayment, and they can also realize the inter-bank repayment business of Industrial Bank's credit card.
Speediness: Under normal circumstances, in order to avoid overdue repayment, early repayment and transfer, the bank card of Industrial Bank can be received in real time. ：
Industrial Bank Credit Card Application Conditions
1, aged between 18 and 60 years old. If you apply for an online credit card, it needs to be between 22 and 60;
2. Have full capacity for civil conduct;
3. Cardholder 14 years old;
4. Personal credit is good, and it is best not to have overdue records;
5. Have a stable income and job;
6. The applicant has a local branch of Industrial Bank.
In addition, if the applicant can provide more financial proof, Industrial Bank will increase your credit card limit according to your financial situation.
Is the Industrial Bank credit card easy to approve? It is not difficult to get stuck in both cases.
Among many banks, Industrial Credit Card has a relatively high quota. As long as the qualification is not too bad, the first card amount is mostly 1000 yuan, which is one of the reasons that attract many people to run Industrial Credit Card. So, is the Industrial Credit Card approved? Let's have a look.
In fact, the credit card application threshold of Industrial Bank is still relatively low compared with most credit cards, and many card friends have responded well. As long as the qualifications are not too bad, 18~60 years old and have a stable job and income, even white borrowers can easily apply for a card.
However, whether the credit card is approved depends not only on the applicant's credit conditions, but also on the applicant's credit card level. In other words, as long as the applicant's qualifications can match the credit card level to be applied for, it is still better. Therefore, before you apply for a card, you must choose the appropriate card level according to your own situation.
The credit cards of Industrial Bank are divided into ordinary cards, gold cards, platinum cards and above, and different levels require different credit conditions for cardholders.
If you apply for an ordinary card or a gold card, you should apply for a card if your age meets the requirements, you have a stable income and no bad credit.
However, if you apply for a platinum card, you will not only meet the basic conditions for applying for a card, but also have requirements for the applicant's financial strength. It is suggested that you can apply for a card at the counter outlets, and provide financial proof materials such as automobile production and real estate as much as possible. However, if there are other credit cards, and the credit limit exceeds 50,000 1 year, you can also use them.
Is the Industrial Bank Credit Card Approved? I hope it will help everyone. In short, whether the credit card is approved depends mainly on whether the applicant's credit conditions and the card level to be applied for want to match. The better the credit conditions, the easier it is to approve cards.
The difference between industrial platinum credit card and ordinary credit card
The difference between industrial bank platinum credit card and ordinary credit card;
I. Different credit lines
There is a big difference in the credit line between the gold card of credit card and the ordinary card of Industrial Bank. The credit limit of an ordinary credit card is generally 3000 yuan to 10000 yuan, while the credit limit of a gold card is usually 10000 yuan to 5000 yuan, which is higher than that of an ordinary card.
Second, enjoy different discounts.
Because the credit card gold card is higher than the ordinary card, there are usually some discounts that the ordinary card does not have. There are many differences between the Industrial Bank credit card gold card and the ordinary card, so you should choose according to your own consumption habits and don't blindly pursue the gold card;
Third, color.
Each credit card has a different pattern, but this difference is more obvious on the general card. In order to highlight the difference, most banks' gold cards will use gold as the main color element.
Fourth, the annual fee
Because the amount of gold card is higher, the annual fee of credit card gold card is much higher than that of ordinary card. Take the industry-standard dual-currency credit card as an example. The annual fee for a gold card is 200 yuan, and the annual fee for an ordinary card is only 100 yuan.
Industrial Bank Co., Ltd. (hereinafter referred to as "Industrial Bank") was established in August 1988. It is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. It was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166) and its head office is located in Fuzhou.
Since its opening 30 years ago, it has established branches of 108 and 1435 in major cities all over the country. It owns subsidiaries such as Xingye International Trust, Xingye Financial Leasing, Xingye Fund, Xingye Consumer Finance, Xingye Wealth and Xingye Guo Xin Asset Management, forming a modern financial service group with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.
As the first "Equatorial Bank" in China, Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated legally, steadily and in a civilized manner, taking into account the interests of shareholders, customers, banks, employees and the social environment, and actively practiced corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad.
August, 20021year, Fortune Global 500 released: ranking 196.
Is the general credit card limit of Industrial Bank high? What is the general credit card limit of Industrial Bank?
What is the general credit card limit of Industrial Bank? The following card baby introduces you, hoping to help you.
General credit card limit of Industrial Bank
1. mainly depends on your personal funds and property. Generally, the amount of an ordinary card is 3000 to 1000 yuan, the amount of a gold card is 1000 to 50000 yuan, and the amount of a platinum card is generally a fixed 50000 yuan plus a temporary amount that is actively adjusted for you every month. At this time, you can use the sum of the two parts.
2. The credit card fixed limit applied by the customer shall be comprehensively evaluated according to the information submitted by the customer, and the final audit result shall prevail.
Further reading: What are the credit card limit adjustment methods of Industrial Bank?
The first method is temporary quota adjustment. When you use the Industrial Bank credit card and find that the credit card limit can't meet your needs, you can call the bank's customer service at 9556 1 at this time, and there is a certain chance to increase the credit card limit after explaining the reasons. In addition to taking the initiative to increase the temporary quota, Industrial Bank sometimes holds activities to temporarily increase the quota for old customers. You can focus on official website. However, it should be noted that because it is "temporary", it has certain timeliness. Times have changed, whether you use the improved credit line or not, the credit line of your account will change back to the original credit line.
The second method is permanent quota adjustment. As the name implies, this method of adjusting the credit card limit of Industrial Bank is permanent, that is, there is no time limit. If you want to permanently increase the quota, you can also call 9556 1 to consult the telephone customer service of Industrial Bank, and then increase the permanent quota according to the application process. But according to everyone's actual situation, the amount of promotion is also different. In order to facilitate the use of old customers' credit cards, the background of Industrial Bank will calculate the credit status of each user. For customers with good long-term credit, the background will automatically increase the permanent credit limit according to certain rules.
What is the general credit card limit of Industrial Bank?
What is the general credit card limit of Industrial Bank? Industrial Bank only approves one credit overdraft limit for all Industrial Bank credit cards held by the same cardholder, that is to say, no matter how many Industrial Bank credit cards the cardholder owns, the actual overdraft limit is certain, and these cards * * * enjoy the same maximum limit, that is, the credit limit.
Credit card limit of Industrial Bank
The credit line of Industrial Bank Puka is generally between 3000- 10000 RMB.
The credit line of Industrial Bank Gold Card is generally between 10000-50000 RMB.
In fact, the amount of the card depends on the specific situation of the applicant. Generally speaking, applicants who have formal jobs, stable income, good credit records, and more personal assets such as real estate, auto products, wealth management products and bank time deposits will apply for a higher amount. For applicants with poor personal conditions, such as low monthly income and no assets, the amount of the card may be less than 3,000 yuan.
Cardholders can call Industrial Bank's 24-hour customer service telephone number 9556 1 with their mobile phones or landlines, press 1 to select credit card business, and press 3 to check the credit card limit.
If you feel that the amount is not enough, you can call customer service to apply for withdrawal after using the card for 6 months. The following methods will help to successfully increase the credit card limit:
Stick to the card. It is suggested that you can make a full payment before the bill date to ensure timely and full repayment every month.
Withdraw the amount in installments. After using the card for half a year, you can try to apply to the bank for withdrawal.
For the first time, the bank may not give a very high amount. You need to continue to pay back in full and on time by credit card, and then apply to the bank for several months. If the amount is still not high, continue to apply for withdrawal after half a year.
Develop good consumption habits and swipe cards at different merchants to ensure the diversification of consumption places.
What is the credit card limit of Industrial Bank?
Under normal circumstances, the limit of Industrial Bank's ordinary card is between 3000- 1000, the limit of gold card is between 1000-50000, and the limit of platinum card is above 50000. Therefore, friends who want to apply for the Industrial Bank credit card can choose the corresponding card according to their own needs.
Basic information required for credit card application of Industrial Bank: 1. Identification: When applying for the Industrial Bank credit card, the applicant needs to provide his/her valid identity document, and the military personnel need to provide his/her military officer's card. 2. Work certificate: This is the material to prove that the applicant has legitimate income. This material contains the name, department, position and income of the listed company, and it must be stamped by the company. 3. Proof of financial resources: This mainly refers to the applicant's inherent assets, such as house accounts and car accounts. When we apply, we will provide everything we can to the bank as much as possible. This will help us to apply for a large credit card.
When handling the Industrial Bank credit card, you can handle it through the following channels: 1, bank counter. Applicants can bring their valid identity documents to the Industrial Bank outlets to apply. 2. Apply online. Enter Industrial Bank official website and apply online. However, it should be noted that due to incomplete information, online application may affect the personal credit card limit. 3. Apply for mobile stalls. Now Industrial Bank often has some mobile booths, and we can apply for them.
The introduction of Industrial Bank's credit card Puka ends here.