Is 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 obtain 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.