Bank of China China Mobile VIP Card “Zero” Risk Credit Card
Xiaobian ReviewLifetime annual fee/high traffic accident insurance
- Shanghai Bank China Mobile VIP Card “Zero” Risk Credit Card enjoys high insurance
- Shanghai Bank Credit Card 100 yuan or more SMS notification is free
- Shanghai Bank Credit Card No Loss Card Guarantee Service
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Annual fee policy: Lifetime free annual fee
Points rules: 1 yuan for RMB 1 yuan, 7 points for USD 1 yuan
The validity period of the points: Permanent
Cash withdrawal: --
Minimum repayment ratio: --
Interest-free period: --
SMS notification: Shanghai Bank Credit Card 100 yuan or more SMS notification is free
Lost card protection: Shanghai Bank Credit Card No Loss Card Guarantee Service
Application conditions: If the applicant is a resident of the country, the age of the resident is between 18 and 60 years old. If the age of the foreigner is between 25 and 60 years old, the applicant of the supplementary card needs the parent, spouse or child of the primary card (age 18 years old or older)
Application materials: A copy of the ID card of the main card applicant, and a copy of the resident ID card for the domestic person. (Receiving domestic persons aged between 18 and 60. Foreigners aged between 25 and 60 apply for the main card) Passports of overseas persons or Hong Kong and Macao residents travelling to and from the Mainland, Hong Kong and Macao compatriots returning home permits or copying of mainland residents' passports to and from the Mainland And the proof of the residence permit or the temporary residence permit copy of the work permit, such as: a copy of the work permit, the original work certificate issued by the work unit, a copy of the professional title, a copy of the professional qualification certificate, etc., in order to obtain a more accurate assessment and quota, It is recommended to provide other financial certificates (such as: bank payroll record, income certificate issued by the unit, income tax withholding certificate, own property certificate, bank deposit receipt, etc.)
Shanghai Bank China Mobile VIP Card “Zero” Risk Credit Card enjoys high insurance
You can enjoy a high traffic accident insurance of 3 million yuan by purchasing a boat ticket, train ticket, plane ticket or full tour group fee with this card.
Overdue fee: Temporary exemption over the credit limit
Loss of charge: 20 yuan
Reissue card fee: 10 yuan
- Phase 3Phase 612 issues18 issues24 issues
Recently, many card friends have commented on the message “Does the tolerance for overdue in the case of Shenka and loan the same? Is it overdue to influence that?” We all know that it is really difficult to process loans and credit cards as long as there are overdue records in the credit report. Because it is almost like a pin-up for banks, credit and credit cards are handled at banks. Credit reporting is a no-frills reference. Once an overdue record is found, 99% of you will be properly rejected. In addition, the overdue records of loans and credit cards are displayed separately. The longest overdue months: Loans due on November 15th, the repayment on November 16 is overdue for 1 day, and the repayment on December 14 is overdue for 30 days, showing "1"; if repayment on December 16, more than 30 The day will display "2"; for more than 90 days, "3" will be displayed. This 3 is the "three" of "even three tired six", which proves that the lender has a loan that has not been repaid for more than 90 days. Number of pens and months: Both loans are due on November 15th, and November 16th is overdue for 1 day. Both the number of pens and the number of months will display “2”. The credit report can clearly show information about overdue: Credit card, loan interest, mortgage monthly payment are overdue, and occasionally several overdue banks are understandable. However, if the loan principal is overdue or the repayment amount is overdue, the bank will pay special attention to it, because the overdue principal or large amount cannot be easily forgotten. The big probability is that the repayment ability is problematic, so the bank will worry about the lender. The financial situation is in a hurry and the new loan approval is rejected. Different loan types have different tolerances for overdue: 1, pure provident fund housing mortgage loan: do not see the letter 2. Commercial bank mortgage and commercial loan pool portfolio loan: Most banks only care about credit information within two years. 3. Real estate mortgage loans: Strict banks care about overdue status within five years. The more lenient banks only care about the credit reporting records within two years, and they can not exceed three and six. 4, credit loans and credit cards: concerned about the overdue situation within five years, can not exceed three consecutive six. There can be no overdue within six months, and there can be no overdue for more than 60 days in a year. 5. Overdue amount: When the credit loan is approved, it is considered that the overdue period of more than 1,000 yuan is a major overdue and will refuse to be loaned. Mortgage loans will ignore overdue payments within 1,000 yuan and are relatively loose. Real estate mortgages and car loans are somewhere in between. Banks have time tolerance services Of course, most banks provide time-to-poor tolerance services. The key is to have a good attitude and communicate with banks. According to Articles 13, 14, and 15 of the "China Bank Card Industry Self-Regulation Convention", the card-issuing bank shall clear the interest-bearing rules to the cardholders, provide repayment "time tolerance" services, and increase repayment tips. “Time” means that on the day of expiration of the repayment date, if the cardholder fails to repay the loan in time, there is a grace period. If the money is paid within the grace period, there will be no penalty interest and no upload. To the credit information system. However, if you do not pay back if you exceed the grace period, it is likely to be uploaded to the personal credit information system. Most banks are 3-day natural days, but each bank has a different grace period. You can call the major banks for customer service. “Tolerance” means that if the cardholder has insufficient repayment in the current period and the unliquidated portion of the account is less than or equal to a certain amount after the date of repayment, the cardholder shall be deemed to have repaid in full. The repayment amount is automatically transferred to the next bill, and this situation will not be recorded in bad credit. The tolerance amount is generally within 10 yuan, but the tolerance policies of different banks are different. The detailed regulations can still call the major bank customer service consultation. Welcome to pay attention to WeChat public number: Magic Financial Card Bank to get more credit card knowledge and information!
Share the additional conditions of the credit card application cards of major banks, and grasp the conditions for the approval of these bank approval cards. You will not be arrested when you apply for the card. According to these conditions, you can place the card. The principal of the Magic Financial Card Bank has sorted out the credit card application skills of various banks, and mastered the conditions of the bank approval card. The application card no longer blindly follows the trend! Peace 1, there is a monthly housing, you can apply for any credit card 2, the premise is a policy, you can apply for any 3. Have a life insurance leadership signature, you can apply for any Meet any of the above points, any application for Ping An Credit Card Minsheng As long as you have done a business loan, you can apply for any livelihood credit card. Business 1. If you have paid wages on your behalf, you can apply for any one. 2, apply for Lang Ping credit card, (not to see qualifications) 3. If you have a car purchase contract, you can apply for any one by holding the contract to the counter. CCB 1, have a room, you can apply for any one 2, there are decoration loans or furniture loans, you can apply for any one 3. If you have a car purchase contract, you can apply for any one by holding the contract to the counter. 4, as long as there is a car, go to the ETC credit card, the card rate will be very large Industrial 1. If you have a travel loan, you can apply for any one. 2, ZTE's constellation Puka, do not look at qualifications, can apply traffic 1. College or above, you can apply for any traffic card, any channel 2. If you have paid personal or corporate income tax, you can apply for any bank card or above. Agricultural Bank 1. The company is a type of agriculture, and there are special loans or subsidized loans. The legal person can apply for any one. 2. If an employee has a payroll on behalf of the Agricultural Bank, he can apply for any one. 3, ABC beautiful mother credit card (K treasure entry) 4, as long as there is a car, go to the ETC credit card, the card rate will be very large Bank of China 1. Prepare to buy a house. When applying for the Bank of China, you can ask the bank to make a credit card with a 30% credit for the mortgage at the counter, but the maximum amount will not exceed 300,000. 2. If you have a house and apply for a mortgage at BOC, you can also ask for a credit card with a 30% credit for your mortgage. If the bank does not handle it, it can be handled by a Chinese bank. This is the bank’s internal policy. If you don’t do it for you, he will use this amount to do other things. Huaxia 1. Have a GF credit card, you can upload a GF credit card photo through the online application, second batch 2, China smart credit card 3. If you have a salary for Huaxia, you can apply for any one. 4, he has a high credit card, you can card Investment 1. You can apply for any credit card with any loan record in this bank and more than 2 pens. 2, pure white, female, the first application for investment 3. Young people apply for YOUNG card postal Find the card holder: (Because it is not good to approve the card, it is best to do the card collectively) Guangfa 1. Can apply for Guangfa Taobao Card without any qualifications. 2, can use his high-value credit card to card card (debt below 100,000, no problem with credit), apply for GF-plated Platinum credit card, the amount is 30,000 CITIC First open the Jingdong account, after the Jingdong credit points, apply for the Jingdong small white card (buy more things, small white card based on Jingdong credit points) Pufa 1, Alipay 650 points or more, apply for any credit card in Alipay 2. On the basis of the first article, apply for the Pudong AE credit card, which may be repeatedly applied if it is rejected multiple times. Everbright 1. If you have a credit card, you can apply for Guangdafu Capka, with a quota of 20,000. 2, there is a car, you can apply for an ETC credit card directly These are the conditions for some credit card applications that are arranged for you. Mastering these conditions will help you get off the card better. Of course, this is only a key condition for credit card applications, and it can only increase your card rate.
What bank's credit card is easy to apply? What kind of card is easy to get off the card? When is it easier to apply for a credit card? This is a question that many card friends will think about before applying for a credit card. In fact, there is a precondition that the personal data has been optimized before the application. If you say that your personal information is often changed indiscriminately, there are already problems with indiscriminate application for credit and so on. It is the bank that really puts water, and you may not pass it. So no matter what kind of bank, what kind of card type will pack its personal information information in place before the application. Otherwise, it will not be established any more. Shenka has to be lucky, but it cannot rely on luck. What strategies do you have for each bank's Shenka? For Shenka, no matter which bank strategy is used, it is similar. The forms filled in each bank's application card are similar, just individual information, some banks need to fill in, some banks do not need to fill in. But when we do the information, we are involved in all the information. We need to fill in what we need when filling out the form. The general steps are: 1, first check your own detailed letter, what? It's nothing? 2. Find out what information is needed to apply for a credit card as a whole. 3, according to their own situation, what things have their own resources, which things have no resources, for those who do not, we must create (that is, package themselves). 4. Optimize or create (package) individually for each message. 5, after each piece of information is put in place, there is a logical problem in looking at each piece of information. For example, if an ordinary employee has an annual income of 1 million, then this position and this income directly have logical problems, which are not true and are not realistic. 6. After all the first five steps have been completed, select the bank, fill out the form application, and wait for the result. In addition, for the bank's new card type, we can pay attention to this card on weekdays. Because the new card type is easier to apply than some other cards. For example, after the release of the Demon Story 2, Minsheng Bank launched a theme card related to the capture of the demon note. When this card type was first introduced, the pass rate would generally be higher. Many years ago, many banks introduced new types of cards. When it comes to new card types, it is a good time. If you prepare the information, if you encounter this situation, we can grasp the time when the preliminary review is not strict, try to apply, and the card rate is very high. of. of course, Before that, your information must be optimized first. Learn the strategy, plan the financing road, help the pass rate of the card, choose the machine, and boost the amount of help faster! After the opening of the year, the credit card applications of major banks have begun to heat up. Various "second batches" often occur, such as ICBC Zodiac cards, GF DIY credit cards, Everbright Fuka, etc., banks are the first to push credit cards or new cards. There are some signs of water release, and ICBC, as a giant in the banking sector, certainly cannot fall behind. Today, I will tell you two cards of the "second batch" that are now very hot. Such as: [Intermediary Advertising] "Industrial and commercial crazy card species! Men and women or pure white did not apply overdue! The amount is generally 3000~50000!" The most popular of these days, the ICBC zodiac card! Today, the principal will explain it to everyone! The principal first said that ICBC recently launched: Industrial and Commercial Bank of China Zodiac Card (Year of the Dog) It is also one of the very hot "second batch" cards recently fired. Apply for the entrance channel: official website, app, etc. You can find the channel to apply independently. note: Business card Zodiac new card species - the Year of the Dog, a gold card, many people Direct card without returning The pass rate is still relatively high, but according to the card friend reaction may be insufficient for the new card type card.. Many are in the card! ! In fact, the passing rate of industrial and commercial enterprises like the car plus card, small white card, struggle card... these days are relatively high, so this may be the beginning of the ICBC at the beginning of the year to reduce the application threshold. I have already mentioned the method of filling out the form in the previous article, so I won't say much here. Then explain to everyone the rights of this card: 1. Chinese Festival. Chinese Ceremony: Three traditional Chinese holidays in Dragon Boat Festival, Mid-Autumn Festival and Chongyang. Each festival consumes 3 pens, each with more than 10 yuan, that is, there is a chance to get back 10 yuan! Limited quantity, first come first served. 2. The first free card for tied card consumption: After the card is opened, the UnionPay cloud flash payment transaction will have the opportunity to enjoy the first free. The exempted amount is actually reduced according to the amount of consumption, and the upper limit is 50 yuan. The cash back amount will be returned to the account of the customer's Zodiac card in the following month. Each person is limited to one time and is available on a first-come, first-served basis. 3, tolerance. Tolerance: For the time limit, the repayment period is 3 days, which provides the cardholder with a 3-day repayment grace period. The cardholder will repay the card on time when repaying within 3 days after the repayment date. Tolerance, the current repayment margin is 10 yuan. On the expiration date of repayment (expiration date + grace period), the cardholders are deemed to be less than or equal to 10 yuan in the previous period. It has been repaid in full. 4, love to buy weekends, thousands of merchants as low as 50%: From now until October 31, 2018, with the Zodiac card, you can enjoy the huge amount of food, shopping, movie, supermarket, convenience store, coffee dessert, etc. in the top 100 cities, 500 business districts and 10,000 merchants in the country every weekend. 50% off. This one The rights of the card are similar to those of many ICBC cards. It seems that there is no special place, but the key point is that the card rate of the recent zodiac card is really good after statistics. From the information of many card friends to the principal, "second batch "The probability is really great. If you have a good qualification, you can try to apply, and grasp the time when the new card is not approved in the early stage!" More credit card maintenance card withdrawal knowledge sharing attention to the public number: magic financial card line!
Many novice card friends often ask for a small year to play cards: What bank credit card is easy to apply? What kind of card is easy to get off the card? In fact, this issue has a precondition. That is, your personal profile has been optimized before the application. If you say that your personal information is often changed indiscriminately, there are already problems with indiscriminate application for credit and so on. It is the bank that really puts water, and you may not pass it. So no matter what kind of bank, what kind of card type will pack its personal information information in place before the application. Otherwise, it will not be established any more. Shenka has to be lucky, but it cannot rely on luck. For the new card types of the bank, we can pay attention to this card. Because the new card type is easier to apply than some other cards. For example, after the release of the Demon Story 2, Minsheng Bank launched a theme card related to the capture of the demon, when the card is just launched, the pass rate will generally be higher. Many years ago, many banks introduced new types of cards. Of course, this is the same as the above, we must first do a good job of data optimization, and carefully study the card strategy. Therefore, the new card type is indeed a good time. If you prepare the information, you can try it if you encounter this situation. What strategies do you have for each bank's Shenka? For the sound card, no matter which bank strategy is the same, the form filled in each bank's application card is similar, just individual information, some banks need to fill in, some banks do not need to fill out. But when we do the information, we are involved in all the information. We need to fill in what we need when filling out the form. The general steps are: 1, first check your own detailed letter, what? It's nothing? 2. Find out what information is needed to apply for a credit card as a whole. 3, according to their own situation, what things have their own resources, which things have no resources, for those who do not, we must create. 4. Optimize or create individually for each message. 5, after each piece of information is put in place, there is a logical problem in looking at each piece of information. For example, if an ordinary employee has an annual income of 1 million, then this position and this income directly have logical problems, which are not true and are not realistic. 6. After all the first five steps have been completed, select the bank, fill out the form application, and wait for the result. More credit card card Raiders tutorial, Baidu search Lao Ba Finance, the first one is! .
The credit card was finally approved, and I got it and opened it. The amount was 0! What does the bank mean by doing this? In the Xiaobian impression, the general credit card of 0 credits is given to college students. For example, when many students have a student loan, they will be charged a quasi-credit card. Most of them are 0 credits. Save money to consume. There are also some banks that apply for a credit card of 0 credits for students, such as a game card of China Merchants Bank. Some people are office workers, who have paid wages, even five insurances and one gold. Why do they get a credit card with a quota of 0? As far as I know, the number of credit cards for batch 0 is a number of state-owned banks, such as ICBC, Bank of China, and Postal Savings Bank. The applicant's conditions may be good in other banks, and you can apply for tens of thousands of credit cards, and these state-owned banks are more picky, but in order to complete the card issuance, they will approve 0 credit cards, regardless of the amount, which is considered as their The number of cards issued. Commonality: 1. The applicant is a white household. They have never used a credit card before, and they have never made a loan. In the eyes of the bank, the risk of white households is unpredictable, so for the sake of insurance, the amount of 0 is directly approved. I suggest that the first card should not be applied directly to several state-owned banks, except for traffic. It is easier to apply for the bank where you pay the wages first, or apply for several other commercial bank credit cards, and then apply for several big banks. 2. There is a credit card but it is overdue. This type of group is a credit card overdue, and there are usually multiple overdue records, but not more than 30 days. The bank may combine the application materials and the credit report to know that the applicant has the repayment ability, but the repayment consciousness may not be very good. It is considered to be a potential customer. Therefore, a credit card of 0 credits is approved. If the post performance is good, the credit card quota may increase. . More credit card benefits are welcome to pay attention to the public number "Golden Card God"
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