Is the credit card of China Construction Bank good?

Is the credit card of China Construction Bank easy to handle?

Easy to handle. China Construction Bank credit card is easier to handle. As long as the applicant 18 is over one year old and has full capacity for civil conduct; At the same time, with stable repayment ability, you can apply for a credit card in principle. When China Construction Bank approves whether to issue you a credit card, it mainly depends on your repayment ability and credit status, so it should provide personal information and proof of assets as much as possible. If the income is unstable or the credit status is not good, it is generally difficult to get approval.

It depends on your own personal credit, which is what we often call personal credit reporting. If you haven't used any credit cards before, you are a white credit card user, and it is very difficult for white credit card users to apply, which means you can apply for any bank's credit card at will. The same is true for China Construction Bank, which generally gives a white credit card a limit of 5000 to 1 000.

If you have used credit cards before, you need to understand the concept of the total credit line of the central bank. Within the total credit line of the central bank, you can apply for a credit card of China Construction Bank, which is generally difficult to apply for, and there are also requirements for users' personal credit information. In most cases, your credit card inquiry record cannot exceed 10 in the past year, otherwise it will be difficult to apply for a credit card from CCB.

: precautions for credit card use?

1. Pay attention to consumption. In addition to enriching the types of credit card consumption, credit cards should also ensure the amount of consumption, and occasionally there are several large purchases. In addition, we should also pay attention to avoid spending money in the same place often. Some friends spent a lot of money several times, and the bank did not approve the withdrawal, but frozen the credit card because of the risk of cashing out.

2. Pay attention to the quota. Friends who want to increase the credit card limit must pay more attention to the changes in the active credit card limit, especially the use limit and available limit. The higher the proportion of the credit line used in your credit card, the higher the probability that the withdrawal application will pass.

3. Inquire about credit information. If the cardholder has met the conditions for withdrawing cash from the credit card, it is best to check the personal credit first. Credit information has a great influence on credit card withdrawal, and only a good credit record can guarantee the success rate of cash withdrawal.

How about CCB credit card?

The credit card of China Construction Bank is easier to handle as long as the applicant 18 is over the age of one year and has full capacity for civil conduct. At the same time, with stable repayment ability, you can apply for a credit card in principle. When China Construction Bank approves whether to issue you a credit card, it mainly depends on your repayment ability and credit status, so it should provide personal information and proof of assets as much as possible.

1. What is a credit card? Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. Credit card-company card and personal card: company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations. Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

3. Credit card features: cash is not allowed to be pre-deposited, and it can be repaid after consumption. Enjoy an interest-free repayment period, which can be repaid in installments (with a minimum repayment amount). By joining VISA, MasterCard, JCB and other international credit card organizations, it can be used worldwide. It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range. It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

Advantages of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is for ordinary consumption, and there is no cash in the card. In many cases, it is enough to return the consumption amount on time.

How about the credit card of China Construction Bank?

As we all know, individuals who have reached the age of 18~65, have full capacity for civil conduct, have a legal and stable source of income and have a good credit status can apply for credit cards. However, whether the card can be successfully handled in the end depends on the number of people. Judging from many card gods, these five types of people are more likely to apply for credit cards.

When banks approve credit cards, they will score according to the qualifications of the applicants. The higher the score, the easier it is to approve the card. Applicants who generally meet the following characteristics will not get much lower scores.

First, there is a sustained and stable income.

In other words, job stability. Whether the job is stable and whether there is income can reflect the applicant's repayment ability from the side. However, banks have different views on the stability of this income.

For example, the four major state-owned banks, for them, the objects of stable work are generally employees of public institutions or state-owned enterprises, or employees of top 500 enterprises. These people's jobs are quite stable, their income is higher than that of ordinary people, and their repayment ability should not be underestimated.

But for joint-stock commercial banks, as long as they have jobs and income, working for more than three months is equivalent to stability. For the applicant's work unit, it is generally not picky, as long as it is not a high-risk occupational practitioner, it is still relatively easy to get rid of the card.

2. Have a large time deposit in the bank.

People who have more than 50,000 rated deposits in the bank are generally high-quality customers of the bank. In the eyes of banks, such people have deposits and do not have to worry about repayment ability. In addition to actively applying for a credit card, such people will be invited by the bank to apply for a card.

Therefore, if you want to apply for a bank's credit card, it is also a common practice to open an account in that bank to save money to buy wealth management products.

Third, college students and other highly educated groups.

In fact, China Merchants Bank was the first to open the credit card market for college students. At least 20 10 years ago, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank granted them cards.

Therefore, if you are a college student, it is generally better to apply for credit cards from these two banks.

Fourth, banks have mortgages.

If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1 10,000. If you want to get a credit card from the four major state-owned banks, you can try this method.

Some card friends reported that they applied for a mortgage in CCB, applied for a CCB credit card online and got a gold card with a limit of 10000.

Of course, these four situations may not all apply for a credit card. This is just a common situation.

If you want to apply for a credit card soon, the second of the three situations is most likely to meet the requirements. As for how much deposit each bank needs, it is suggested that it be more than 50,000. After all, deposit banks under 50,000 don't care.

Is the credit card of China Construction Bank reliable?

CCB's credit card is of course reliable, because CCB's credit card is a regular credit card.

I wonder what criteria you use to evaluate the reliability of credit cards. If you don't have extra credit card demand, in fact, the credit cards of all banks are basically the same, because the functions of credit cards are basically the same. If you have special needs, such as frequent business trips or spending abroad, you can apply for a credit card that meets the relevant requirements. Otherwise, CCB's credit card is no different from other banks.

First, CCB's credit card is reliable.

We have been talking about the construction of agriculture, industry and commerce in China, and China Construction Bank is one of them. China Construction Bank has a very large scale, and its business hall basically covers every corner of China. If you want to apply for a CCB credit card, CCB's credit card can basically meet the daily consumption needs of users and is particularly convenient to use. China Construction Bank has also launched an APP specifically for users, where various businesses can be handled.

Second, the credit card quota of CCB is generally low.

Although CCB's credit card is reliable, compared with other commercial banks, CCB generally does not give users too high a credit line. I once applied for a credit card from Bank of Zhang Jianshe, and CCB only gave me a credit line of 5,000 yuan, compared with 30,000 yuan in other domestic banks. To some extent, China Construction Bank did not pay special attention to the credit card business.

I suggest you apply for another bank's credit card.

It's not that CCB's credit card is not good, but that credit card is not the core business of CCB. If you want to use credit card service, I think other banks may give you a higher credit limit and more benefits. I mainly recommend China Merchants Bank and Guangfa Bank. You can choose the specific cards of these two banks according to your own needs, so I won't recommend them by name.

Is there an annual fee for CCB credit card and CCB credit card? This concludes our introduction. I wonder if you found the information you need from it?