Reveal the reasons why it is difficult to apply for a credit card from the four major banks, do you get it?
It is said that the credit cards of the four major banks are difficult to apply for, but everyone wants to have a credit card of the four major banks; some people say that it is a nightmare to have so many credit cards on hand, but none of them are from the four major banks. Although it is true that it is difficult to get a credit card from the big four, even if you do get one, the credit limit will not be very high, so what is so good about the big four credit cards, so that everyone is so eager to get it?
One, why is it hard to get a credit card from the big four? First of all, to explain to you, the four big banks refers to: Industrial and Commercial Bank of China, Construction Bank, Agricultural Bank of China, Bank of China, the four big state-owned banks, representing China's financial sector, the four most powerful big brother.
By thus "four big", so naturally do not worry about business, but still more cold and arrogant, belonging to you ignore it, it ignores you kind of. These four banks prefer to work with individuals/merchants with rich assets, and the criteria for selecting customers will also be higher, so applying for credit cards from these banks will also be more difficult.
Two, the four major banks credit card is good there?
1, show identity, is a confirmation of the strength of assets with the four major banks credit card, it shows that your assets are safe, is a person with financial assets. Compared to other white households, is more assets and stable quality customers. Where the big four bank customers are also mostly institutional groups, plus special industry employees and private enterprises in the middle and upper levels, and how can there be no decency?
2, easier to point other lines of credit card if you have a big four credit card, other trade banks will be very easy to check your water, you want to point a credit card of other banks, such as Industrial Bank and other trade banks will be easier, this is to card card. On the other hand, is said in the opening paragraph, the selection criteria of the four major banks are very strict, if you have gone through their test, that in other banks to apply for a credit card is not a problem.
3, easier to get a loan amount if you have a credit card of the four major banks, there is running water can confirm your assets, it is also easier to get a deposit qualification. So many people to take out a mortgage preferred also the four major banks, because the approval of the amount of higher.
4, the first batch of higher amount of my hands also have a few credit cards, but the four major banks credit card initial approval of the amount will be relatively high, the other trade banks, although the card is very good to apply for, but the amount of the amount of all in about 1w.
If you get the approval of the four major banks, you will be recognized by them as their own gifted customers, then they in terms of the amount that is quite good.
If you don't have a credit card of the four major banks, you can make use of the hands of these cards to consume, each time the amount of consumption is relatively large, and the number of times, and to ensure that the good have four major credit cards, but you also like many cardholders, want to have the repayment record, so that the bank feels that you are a "pregnant and have the money "The person can also be faster through the approval of the four major banks. Which credit card is good to apply for with high debt) October 13, 2021 06:40?Life Cold Knowledge ICBC Credit Card Advantages There are more than 30,000 outlets nationwide, and there is no bank that doesn't look at debt ratios, and the credit limit is also the lowest.
Because they are all state-owned banks. High-indebtedness customers represent the high risk of cash customers,hollister france, the financial strength relative to the joint-stock banks. Compared to other banks is much more difficult, that is, the work permit, in order to be able to apply for a credit card as soon as possible would like to know which credit card is the best to apply for each bank which credit card is the best to apply for.
The ICBC has the longest review time, some banks credit card why it is difficult to apply, with the gradual popularization of credit cards.
It is the highest credit limit among the four major banks, industrial and commercial people's livelihood and construction bank, which bank credit card is easy to apply for Bank of Communications Bank of Communications has a very low threshold for approving cards.
Construction Bank's credit card is more recommended to have, good benefits, state-owned, CCB's credit card is the easiest of the four major banks to get a card, the different brands of international cards with independent credit limits, the user to apply for credit cards should be based on the bank's overall strategy. Or stamped with the official seal of the unit's income certificate can also be, secondly.
No limit local cash withdrawals without fees, the bank is rich and powerful, they do not pay attention to the credit card business, all banks in the review of credit cards to check the customer's credit, occupying a policy monopoly and advantage, the Industrial and Commercial Bank of China (ICBC) credit card advantages of the largest number of outlets to support Paypal, the average amount of ICBC spent 40,000, which bank's credit card is the best for the cardholders who are eager to use the credit card.
First of all, China Merchants Bank Bank and Bank of Communications wind control is a reference to the standards of the CCB, the five big, so the state-owned four big, other lines of credit cards? other lines of credit cards? business is good.
Industrial, agricultural and construction in the four major state-owned banks credit card is the most difficult to do, if you can have a CCB credit card, and then knot. It is currently the bank with the most outlets in China to support Alipay, and the requirements for applicants are also a little higher than the joint-stock banks.
Shanghai Huaxia, badge. Because all banks are afraid of high-debt customers, and can do unlimited local cash withdrawals of different brands of international card limit independent disadvantages of the application, so the same conditions.
Guangdao, you only need to provide your ID card and your proof of employment, even. All will see the letter in the customer's name.
Industrial and Commercial Bank of China (ICBC) and Agricultural Bank of China (ABC) are more difficult to apply for because of the more stringent standards required for the review.
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hm.src=""; vars=document.getElementsByTagName("script")[0]; s.parentNode.insertBefore(hm,s); })();{ "@context":{ "@context":{ "images":{ "@id":"", "@type":"@id", "@container":"@list" }, "title":"", "description":"", "pubDate":""" } }, "@id":"", "title": "The hardest credit cards of the big four (which credit card is good to apply for with high debt)", "images":[""] , "description": "Industrial and Commercial Bank of China credit card advantages of the country has more than 30,000 outlets, there is no bank that does not look at the debt ratio, the amount of the lowest. Because they are all state-owned banks. High indebtedness customers on behalf of cash"..." , "pubDate": "2021-10-13T06:40:17", "upDate": "2021-10-13T06:40:17" } Which bank credit card is the hardest to get? Strictly speaking, you can get a credit card from basically every bank as long as you have a very good personal credit history. If you really want to name the most difficult credit cards, I think the credit cards of the four major state-owned banks like China National Agricultural, Industrial and Construction Bank are the most difficult to deal with, because such banks usually put their credit card business into a more biased business. In itself, these banks have a very large volume of business, so they are not worried about business, naturally, they do not pay so much attention to the personal business of credit cards, and the qualifications of users are more stringent. Credit card processing needs to look at your personal credit. When you apply for a credit card, your credit card application record will be reflected in your personal credit. Generally speaking, if you apply for a credit card too many times in a short period of time, the bank may decide that your personal financial situation is problematic and will not approve the credit card application. The bank will definitely call your personal credit before approving the credit card, so we must usually maintain our personal credit, do not often make inquiries and operation of the record. Chinese agriculture, industry and construction credit cards are the most difficult to get. As I mentioned above, the credit cards of the four state-owned banks are the most difficult to get. Because these 4 banks have some technical business of their own, they don't put their credit card business into their business centers, so they will be more strict in reviewing credit card applications and also have basic requirements for users. In addition, the credit card limits approved by these 4 banks are generally lower than those of other commercial banks, and users rarely take the initiative to apply for credit cards from these banks. The user's personal qualifications matter. While each bank has a different level of stringency in approving credit cards, in general, the user's personal qualifications are the most important. If a user's personal qualifications are not good enough, he or she will not be able to apply for a credit card at any of the banks. On the other hand, if the user's personal qualifications are good, although different banks have different credit card limits, basically all of them can be applied for. I personally recommend that we apply for less than three credit cards, which is not only easy to manage, but also good for our personal credit. Why is it hard to apply for a credit card from the four major banks? Why is it difficult to apply for a credit card from one of the four major banks? 1:Just happen to have had a year and a half or so of work history in a certain bank, the four big banks and other joint-stock banks are different, commercial joint-stock banks as long as the credit is not bad, can be done down, but the four big banks are different, all banks are the same, as long as you have deposits in a certain bank, then you will be divided into the silver card customers or gold card customers, the whitelist, and of course, there are also vip customers, different customers to go to the bank for The credit card limit is different, to be precise, the richer you are, the more credit limit you can get from the bank, the less money you have, the bank risk approval department will be more strict. Two: credit card is the need for users of different consumer use, the amount of staging, thus generating relative interest to make money 1: in layman's terms, credit card is to promote young people to consume, the bank is to rely on the depositors to take the money put to the need for a loan, or investment, to earn more returns, the young people normal consumption on time repayment, the bank is not making money, the bank most favorite to let the customer installments, so you can often get the bank to call you to let you installments, the four major banks and other commercial banks of the main business is different. 2:For example, a bank to do credit cards, as long as it is a white household can be approved through their line of credit card usage of the country's top few, business profit credit cards account for a large part. Some banks do not give white households through, you must have used a credit card for more than a year to qualify for, the four major banks do not need to make money through credit card credit line, credit line, you use okay, if you do not use for a long time, the bank is also a loss, you do not use, the bank might as well lend money to people who need it more, you can earn more interest. 3: basically the four banks credit limit is very low, I have seen a lot of just under the card inside a thousand, two thousand amount, but as long as the usual use of less, plus the credit card issuer's savings card inside the savings card, the basic amount of fast, as long as the customer is not short of money, credit card quota is very fast, when there is a day when you credit card use more, then credit card credit card management will be able to find out, every month are using too much on the The first thing you need to do is to get your hands on some of the most popular products and services in the world, and you'll be able to do it in a way that's easy for you. 1:Some banks can do it with a white household, some banks have to use the card for more than six months to do it, some banks have industry restrictions that will limit some industries to do the card, some banks like to have a degree of customer, some banks like to credit card use of less customers, some banks like to have a savings card in their line of whitelisted customers, so you need to understand the approval conditions of the major banks before the card, and in some cases, the bank. The data is messy to do not be able to do. Some of my friends said that five years ago, the overdue later paid off, credit are no record, why still can not do it? That's because in the eyes of the bank, you are a high-risk customer, big data is not good, 2: Some friends said: "no credit card, an online application on the refusal" in fact, the refusal of you is not the bank, is the system, we are commonly known as second refusal, big data mess, the system can not be entered, this time to teach you a little skill, raise a period of time, the bank will be the first time that you have a deposit of money, and then you have to go to the bank. The first thing you need to do is to get to a bank where you have deposits, and then go to the outlets to do it, and the four major banks are the same, you have their line of savings cards, and there are deposits, water, go to the outlets to do it is especially easy to get through, and down to the quota is also high Difference between domesticated and wild And it is okay, ah? I applied for ten credit cards in one ****, canceled four, friends with two, I keep four. Usually do not often use, mainly for construction sites ++++. The bank and ICBC have, the agricultural bank and the construction bank did not apply, other banks generally apply for all over. The small amount of all canceled out, the remaining a few to keep a spare Construction Bank is still relatively good to do some, although the amount is not high, but the withdrawal line fee is lower. It's not hard to see how you can get the best out of a person's credit rating, and I've got all of the four major banks on my side. The first to do the construction bank dragon card, and then do the ICBC (because of the low amount of I gave the cancellation, and again for ICBC not approved.) I'm not sure what I'm getting at, but I'm getting a new one. The four major banks the most difficult credit card Credit card application good to do the amount of high interest low bank, credit card online application for: If you want to find the credit card the most good to do the bank, you can from the private banks, local banks and their co-branded card inside the selection, which is also a common perception. Additionally the development of credit card business varies from bank to bank, and generally speaking the ones with a larger number of credit cards can be considered to have a lower threshold for application and a higher chance of passing. Many cardholders in the credit card, in addition to looking at the threshold of the application, will also pay attention to the amount, after all, credit card limit is large, the more pleasant to brush the card, so many people want to do a good application for a large amount of credit card. Meituan co-branded credit card Meituan co-branded credit card is a co-branded card launched by the bank in cooperation with Meituan, Meituan co-branded credit card credit limit is generally in the range of 1,000-50,000 yuan, the highest limit is 50,000 yuan. ( Meituan co-branded credit card application ) Meituan and Bank of Guangzhou, Bank of Jiangsu, Bank of Xiamen, Guilin Bank, Bank of Shanghai, Bank of Qingdao and many other banks have cooperated to launch co-branded credit cards. The number of cooperating regional banks reaches 14. Cardholders can bind the Meituan credit card on Meituan, and when they spend money on Meituan, they can use the Meituan credit card to pay and enjoy the relevant preferential activities. If you are a senior user of Meituan, often ordering takeout and group purchases, and at the same time have a certain spending power, have applied for another bank credit card and used it normally, then apply for a Meituan co-branded card, basically it is approved in seconds. Meituan credit card minus 6 yuan is available every day, every day a single takeout can be reduced by 6 yuan, can be reduced for 90 consecutive days. Movies are 50% off month after month, and credit card spending points can be automatically converted to Meituan Spare Change at a rate of $10/$100, which can be cashed out on the daily platform. Bohai Bank Credit Card Bohai Bank credit card limit ranges from 1,000-10,000 for universal card; 10,000-50,000 for gold card; and more than 50,000 for platinum card. It should be noted that the approval of credit card application credit limit is based on the actual situation of the applicant to decide, whether the job is stable, fixed income and so on. ( Bohai Bank credit card application ) Their products mainly include standard card, Bohai Bank 51 co-branded credit card, travel theme card, house card theme card, family series theme card and so on. The Bohai Bank 51 co-branded credit card is a UnionPay standard gold card with no annual fee and a maximum credit limit of 100,000 yuan. The card does not have an interest-free repayment period, accrues interest on a daily basis, and can be repaid as you borrow, flexibly meeting the needs of cardholders ++++ and shopping and consumption. Pudong Development Bank Credit Card Shanghai Pudong Development Bank credit card according to the card level is divided into card, gold card and platinum card. The general card limit is usually between 3,000 and 50,000 yuan, the gold card limit is usually between 10,000 and 50,000 yuan, and the platinum card limit is usually more than 50,000 yuan. ( Pudong Development Bank credit card application ) Shanghai Pudong Development Bank credit card limit is the credit limit given through the applicant's various assessments, which include: job, credit history, education level and asset status. The better the assessment, the higher the credit card limit. HDFC Bank Credit Card The credit limit of HDFC Bank credit card is generally as follows: General Card Limit: $3,000 - $10,000. The limit for Gold Card: between $5000 - $30,000. Platinum card's limit: between $10,000 - $50,000. ( Hang Fung Bank Credit Card Application ) The main point is about the HDFC Bank Stellar Platinum Credit Card, which is a credit card for the family unit, and with this card, you can provide a wide range of rich rights and benefits for the cardholder and his family, such as comprehensive aviation protection, a private health butler for family **** enjoyment, 3x points on Wednesdays, exclusive points rebate, UnionPay Platinum Privileges and other five major benefits. When it comes to traveling, the Stellar Platinum Credit Card is also quite unique. With this card, cardholders as well as their family members can enjoy the global flight delay insurance of RMB 300 yuan for a single delay of 2 hours, and RMB 800 yuan for delayed checked baggage by air. This is the end of the introduction about the hardest bank credit card to apply for and which bank credit card is the hardest to apply for, I don't know if you find the information you need from it?