In 2022, the credit card settlement rate of Bohai Bank was very high, and it was generally well recorded in banks. Banks generally require customers to apply for credit cards, with high card issuance rate and high quota.

How about JD.COM Bohai Bank credit card? Can I apply?

We all know that people use credit cards more and more frequently, and many social platforms also have corresponding publicity boxes. JD.COM Bohai Bank can definitely apply for a credit card, but as far as Bohai Bank is concerned, it is a very small bank, so you must think twice before applying. Although it may be better to open a card, the amount will certainly not be very high. Therefore, if other cards are not well maintained, we do not recommend handling such meaningless cards. I hope everyone can apply rationally.

1. What is the credit card of Bohai Bank?

As far as the credit card of Bohai Bank is concerned, there is no credit card system and no credit card. Compared with the credit cards of the other four major banks, it has great disadvantages and the activities are very general. It is not recommended to apply. At the same time, when it comes to Bohai Bank's credit card, we have to talk about its credit card issuance. As far as the credit card issuance of Bohai Bank is concerned, the amount is not very large, so the credit card business is basically a Buddhist business. I hope you can think clearly before you apply for a card.

2. How to apply for a useful credit card?

There is a process to apply for a credit card. We should maintain our credit information six months before the application to make our process look better. The amount may be higher at this time. At the same time, it should be noted that there must be no overdue behavior. Banks attach great importance to personal credit reporting. If there is overdue behavior, it is very likely that they will refuse to apply for a card for us.

3. What should I pay attention to when using a credit card?

As we all know, credit cards provide great convenience for everyone's life. A card can keep us from taking paper RMB. If you lose it, you must report it in time. Only in this way can our legitimate rights and interests be better protected. At the same time, credit cards can't be lent to others, because it's illegal. I hope everyone can be kind to their credit cards.

Is Bohai Credit Card Strict?

Bohai Bank's credit cards are still relatively easy to approve, provided that users meet some conditions and requirements stipulated by Bohai Bank. Usually, when applying for Bohai Bank credit card, you need to provide the original information of your personal ID card; You also need to provide personal income certificate, which can be payroll, income certificate, personal income tax certificate, social security withholding certificate, etc. Need to provide some personal assets, such as real estate, car production, etc. Finally, to apply for a credit card, Bohai Bank needs to be authorized to inquire about personal credit information. Only when these conditions are met will the application for Bohai Bank credit card be issued.

If the applicant's credit information is not good or his personal income is too low, the credit card application will fail.

Bohai Bank, the full name of Bohai Bank Co., Ltd., was established in February 2005 at 65438+ and 3 1, and opened to the public in February 2006. It is a national joint-stock commercial bank in People's Republic of China (PRC), headquartered in Tianjin.

Bohai Bank is the first Chinese-funded commercial bank to introduce overseas strategic investors in the initial stage, mainly engaged in absorbing public deposits and issuing short, medium and long-term loans, and was selected as one of the top 500 global banking brands in 2020. It was listed on the China Stock Exchange on July 16, 2020; In August, a representative office was established in Hong Kong, with 245 outlets.

scope of business

On June 5438+February, 2005, China Banking Regulatory Commission gave an official reply in document [2005] No.337, and the business scope of Bohai Bank included:

(1) Absorbing public deposits; (2) Short-term, medium-term and long-term loans; (3) Handling domestic and international settlement; (4) Handling bill acceptance and discount; (5) Issuing financial bonds. (6) Acting as an agent to issue, honor and underwrite government bonds; (7) buying and selling government bonds and financial bonds; (eight) engaged in interbank lending; (9) Acting as an agent for buying and selling foreign exchange; (ten) engaged in bank card business; (eleven) to provide letter of credit services and guarantees; (12) Agency payment and insurance agency business; (thirteen) to provide safe deposit box services; (14) Other businesses approved by the State Council Banking Regulatory Authority.

Product service

Personal banking services: personal customer grading standards, personal savings services, Yin Bo e-credit, personal credit loans, personal mortgage services, personal entrepreneurial services, mobile banking, debit card products, credit card products, consignment business, foreign exchange services, wealth management services and community banks.

Small and medium-sized enterprise services: small express service, quick loan, mortgage loan, Bohai tax loan, stock transfer, interest-saving treasure, loan e application, and the company can handle things easily.

Wholesale banking services: cash management services, financing services, domestic trade financing services, international settlement and financing services, letter of guarantee services, cross-border RMB services, financial market services, electronic channel services, investment banking services and fund custody services.

Is Bohai Bank's 5 1 credit card reliable?

5 1 credit card is more reliable. 5 1 credit card belongs to the third-party platform, and the personal data provided by users through 5 1 credit card are submitted to the bank instead of 5 1 credit card, so the information security of users is more secure. On the other hand, the 5 1 credit card only supports the application of 20 credit cards from prime Bank, so users don't have to worry about the source of credit cards.

Moreover, 5 1 credit card is only one of the credit card processing channels, which is the same as users applying for credit cards through WeChat and Alipay.

5 1 Bohai Credit Card is not a debit card. This is a joint credit card issued by Bohai Bank. It has financial functions such as credit consumption, cash advance and overpayment recovery. The interest-free period is as long as 54 days, and the full repayment on the repayment date of overdraft consumption does not require additional expenses.

However, 5 1 Bohai credit card holders need to bear certain interest if they borrow cash in advance or apply for credit card loans. The specific interest rate standard is subject to the bank's audit results.

How about the credit card of Bohai Bank? Recommend it?

The financial function of credit cards is similar. It mainly depends on whether there is a branch of this bank near your home, whether it is convenient to handle business, or whether this bank has many preferential activities, and whether the annual fee can be reduced or exempted after paying a certain amount.

China Bohai Bank Co., Ltd. (hereinafter referred to as "China Bohai Bank" or "the Bank") is the only newly established national joint-stock commercial bank since the revision of China Commercial Bank Law in 2003. It is the first national joint-stock commercial bank to introduce overseas strategic investors in the establishment stage since 2000, and it is also the first national joint-stock commercial bank headquartered in Tianjin.

Significantly benefiting from the competitive advantage brought by the national license, Bohai Bank completed the strategic layout of major provincial capital cities and economically important cities in only 65,438+04 years, and added more than two tier-one branches every year since its opening in 2006. By the end of 20 19, 33 tier-one branches (including directly affiliated branches), 30 tier-two branches, 127 sub-branches, 54 community micro-branches and a Hong Kong representative office with 245 outlets had been established. All outlets are carefully built according to strategic planning, and the average network operation efficiency is among the best in the industry. By the end of 20 19, the total assets of Bohai Bank had reached11693 billion yuan, up 8.0% year-on-year; Realized operating income of 28.378 billion yuan, a year-on-year increase of 22.3%; Realized a net profit of 86,543.8+0.92 billion yuan, a year-on-year increase of 65,438+0.5%; The asset quality is stable, and the non-performing loan ratio is 65,438+0.78%, which is lower than 65,438+0.84% at the end of 2065,438+08. (The quoted data are audited according to international accounting standards.)

In 2020, according to the Tier 1 capital as of the end of 20 19, Bohai Bank ranked 133 in the list of global banks 1000 published by The Banker, up 45 places from the previous year and ranked 27th among all listed banks in China.

As a newly established national joint-stock commercial bank with obvious advantages of latecomer, geography and internationalization, Bohai Bank will make full use of all favorable factors, carry out comprehensive operation in the form of comprehensive functional bank through long-term efforts, and continue to provide "excellent experience" quality services for medium-sized enterprises, small and medium-sized enterprises, well-off people, high-end individuals and other social middle-class target customers, provide employees with the best development opportunities, and realize the harmonious development of "growing together with customers and employees".

Advantages and disadvantages of Bohai Bank's credit card

Bohai Bank is a national joint-stock commercial bank located in Tianjin. Like other banks, Bohai Bank has its own credit card business.

Bohai Bank credit cards are divided into diamond cards, platinum cards, gold cards and ordinary cards according to credit card grades, which provide interest-free period of 24 to 55 days, and also have many product functions such as consumption installment, bill installment and special installment.

The card organization of Bohai Bank's credit card is UnionPay, which has dual-interface IC chips and supports UnionPay flash payment and HCE payment functions. The color of the four-level card is different.

Bohai Bank's credit card application threshold is low, but there are fewer types of cards and fewer choices for users. I suggest that you can choose a credit card that suits you according to your own situation.

So much for the introduction of Bohai Credit Card.