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Everbright "Fu" credit card gold card

Everbright "Fu" credit card gold card

Xiaobian reviews

Automatic interest-free instalment offers
  • Foca MINI Card Consumption No need to apply Automatic interest-free instalment (12 issues)Foca MINI Card Consumption No need to apply Automatic interest-free instalment (12 issues)
  • Give 1 million yuan to travel accident insuranceGive 1 million yuan to travel accident insurance
  • SMS notificationEverbright Bank credit card transaction SMS notification is completely free
apply immediately

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  1. grade:Gold card
  2. Currency:RMB + USD
  3. annual fee:200 yuan No annual fee for the first year, spending three years or accumulative amount of 2,000 yuan, no annual fee

Annual fee policy: In the first year, there is no annual fee. In the current year, three pens or a cumulative amount of 2,000 yuan will be consumed, exempting the annual fee.

Integral rules: A total of 1 point is charged for 1 Yuan for the card and gold card, and 1 Yuan for the birthday month is accumulated 2 points.

Validity of points: 5 years

Cash out: The maximum cash withdrawal rate is 50%, the current handling fee is 2.5% of the cash withdrawal amount, and the lowest domestic fee is 10 yuan.

The minimum repayment ratio: 10%

Interest-free period: The shortest 20 days, the longest 50 days

SMS notification: Everbright Bank credit card transaction SMS notification is completely free

Lost card guarantee: China Everbright Bank Credit Card can enjoy the loss of card guarantee service before the loss of 48 hours

Application conditions: 1. Applicants should be Chinese citizens who are 18 years old (inclusive) to 60 years old (inclusive) and have full civil capacity; 2. Applicants should have proper employment and stable income;

Application materials: 1. Identification: Usually an ID card (if you are using a new ID card, you need to have a copy of the front and back). Military personnel are required to provide a photocopy of the military certificate. 2. Work certificate: It can be the original work certificate issued by the employee. Please specify the specific company name, department, position and income, and affix the company's official seal or personnel chapter), or a copy of the work permit / license; 3, financial certification: can be a bank payroll records, or income tax deduction vouchers , Or proof of the market value of housing, cars, deposits, and investment (such as real estate license/automobile license/copy of bank deposit certificates), etc.

Special privileges

Card privilege

  • Foca MINI Card Consumption No need to apply Automatic interest-free instalment (12 issues)Foca MINI Card Consumption No need to apply Automatic interest-free instalment (12 issues)

  • Give 1 million yuan to travel accident insuranceGive 1 million yuan to travel accident insurance

    "Lucky Credit Card Gold Cards" donated 1 million yuan in travel accident insurance and 48 hours lost card guarantee services.

Related costs

Cash out: The maximum cash withdrawal rate is 50%, the current handling fee is 2.5% of the cash withdrawal amount, and the lowest domestic fee is 10 yuan.

Repayments: The minimum repayment amount is 10% of the monthly bill, 0.05% of the daily rate

Liquidated damages: Repayments below the minimum repayment amount are subject to a penalty of 5%, and a minimum charge of $15/2 USD/2

Over-limit fee: Over 5% of credit limit

Overpayment fee: The amount of money deposited exceeds the amount owed and 1% will be charged upon withdrawal

Loss report fee: 50 RMB

Renewal fee: 20 yuan

Instalment rate:
  • Phase 36 issues12 issues18th issue24th issue
  • 2.9%5%9%----
Card Friends Reviews
  • 33816
  • Everbright is considered to be relatively stable in terms of the amount of withdrawals, from the next card of 25,005 to the fixed 130,000 today. Basically, each time the quota is fixed at 30%, temporary 50% and temporary renewal. 1. The temporary renewal of Everbright, Everbright Bank should not exceed the limit one month after the temporary expiration of Everbright's monthly expiry date. No matter how many tens of thousands you remember before you mention the balance date, the best billing date, such as the last time you were 22 No.20 on the quotation bill is recommended to be part of the repayment on the 19th. Why do other cards do? Basically they can all be continued. Or the letter will be checked, as long as there is a paragraph (the number of credit cards you apply for. The rate and the status of each bank letter are the conditions for the adjustment of the quota, and if the audit can't adjust the quota now, it will take three months after the score update to break the practice. 2. The size of the amount of credit card usually does not matter, Everbright pays more attention to the installment and credit card amount, frozen basically does not mention the amount, the type of business does not matter, on time repayment basically no problem. 3. If the above requirements have been met, the voice dialing request will be temporarily referred back and fixed temporarily or only temporarily for three months before resuming temporary fixation. 4. According to this line of thought, the next time one should be able to graduate 150,000, and then one month after the temporary expiry, the temporary quota will be estimated to be about 190,000 yuan according to a fixed 150,000 percent of the 150,000 percent. 5. According to the above situation, this is broken in three months (The credit card usage quota you applied for and the credits of each bank are conditional on the adjustment of the credit limit. If you can't adjust your credit limit after review, the card will be fixed at 100,000.) , Temporary 50% mentioned 150,000 Fixed 30% mentioned 130,000, Billing date was No. 20 last quoted time No. 22, No. 22 must-have letter, No. 19 I returned, No. 20 bill keeping part available The quota, a check on the 22nd, can be mentioned, card friends can try it, and brush and cherish! Each rating in the bank is different, if not, please continue to raise the card to maintain good card use habits. According to my method of operation, there should be no problem, and after the temporary expiration of the future, before the bill must be repaid, remember! ! More Credit Card Repayments Knowledge Sharing Pay Attention to the Public Magic Card!
  • 25126
  • :'(Said: The online application for a credit card passed the first trial on December 14, 2017, and received a text message requesting a visa from China Everbright Bank (Ryan Branch) before proceeding with the next review and issue of the card. On Saturday, December 16, 2017, At 14:30 in the afternoon, leave at 15:30 for the signing of the (Ruan Branch of Everbright)! I just entered the room and there were no other people working for the business! I asked the staff how to handle the credit card! A staff member answered: I will not handle it today ( Saturday - Sunday is not available) Monday to Friday, so I went back to work! The second time to face the sign: 8:30 on December 18, 2017 to 11:30, so it came again (China Everbright Ryan Branch)时间9:35 Asked in which area to apply for a visa? The staff answered where to get the ticket from the security guard, so the security was already prepared to print out the ticket number in front of 18 people, well I wait, wait until 11:00 or so, okay There are 3 people, so we have to handle the signing work staff all afternoon to come, go home, not in the afternoon because you can not leave, so the next day, December 19, 2017 at 14:50 pm, 15:10 to (China Everbright Ryan Branch) There are 24 people in front of the ticket, and there are 5 people waiting until 17:00. The staff is called to get off work, and everyone will come to handle it tomorrow! Get a face check and I will leave 3 times, and lose 500 RMB! Face to face sign! Is my poor quality or other factors? I feel deeply tearful! The above-mentioned 100% real! I said that with the Everbright missed! To Tucao, no other thoughts! Seeking comfort!
  • 26765
  • During the period after the National Day, some photos were seen on the Internet. Some of Everbright Bank's business outlets were crowded with people. All are face-to-face with a credit card. Uninformed thought it was to bring commemorative coins! The person who sent the map vomited: There is still a 50-year-old, was asked to address, it turned out to be holding a mobile phone read. This can be passed, with serious doubts that the internals have been infiltrated. Everbright is very hot this year. According to a senior card friend, I would like to use a landline or social security system to complete the signing process. If you don't meet it, hurry to find an excuse to go for a sneak peek and try to change your home to a lighter outlet. If you are in the system, open the face-signing process and rejected it, then there will be no more chance. Recently, a lot of intermediaries are proposing violence to raise the amount of money, saying that after the card is released, the number of horses is 8 or 9 times higher. The initial amount is 10,000, but it is stated on the card that the quota will be raised to 90,000 yuan after activating the first brush. In fact, this is the new trick that Everbright plays for himself. The quality of these customers is good, they can be granted 80,000, 90,000, but it is only Everbright deliberately hide the amount. The main purpose is: First, to strongly stimulate customers to open cards, Everbright Platinum Card requires an annual fee, no card can not charge an annual fee. Second, to compress the credit line, the credit card occupies the bank's overall credit line. If a customer with a high credit card does not open a card, the credit will be idle, causing a waste of credit resources. It is better to waste 90,000 than to waste 10,000. More credit card raises the amount of money and pays attention to the public number magic magic card line!
  • 23327
  • More than half a year after opening the card, the monthly consumption accounted for 30% of the total amount. If there is no amount of arrears, you can apply for a permanent fixed amount by following the steps below! 1. It is of utmost importance to ensure that cash withdrawals are not made on bank automatic machines. As long as there are ATM machine withdrawal records, the amount of money will be more difficult. More credit card raises pay attention to the principal v 9488 51 32. 7. 2. The consumption of at least 5 to 6 different merchants per month, regardless of whether they are large or small, can be different, and must be different businesses. 3, no staging. In short, it is very useful for some banks to pay instalments, but it is just the opposite for Everbright. Remember! As long as the above three points are met, once again apply for the temporary quota of Everbright, 100% will be approved. Everbright Bank's internal policies stipulate: If you want to increase the fixed amount, you must have 3 times the amount of the promotion record (to obtain a fixed amount of Everbright, this is the key point) Everbright credit card after brushing light, go to the Everbright Mall to buy something, (some people can, some people can not) after the purchase of a refund on it, or commission temporary quotation, and then apply for a card online. Everbright can go to the counter to collect the amount of money, and remember to go to the counter, and say that the quota is too small and not enough to use. If you have a driving permit or asset certificate, it is better. The quota raised is much higher than through the telephone channel. . Everbright if you go to the counter, even if you do not bring anything, you can usually at least 1 times. Everbright Bank Platinum Card directly mentions 500,000 capping technology. Operational requirements: 1, as long as the platinum card can provide 100% success; 2, require customers to use more than six months; 3, can not have overdue limit. There is no temporary expiration. Operation method: 1, first landing online banking check the next bill, have not been overdue; 2, prepare a 1.25 gold POS machine and 0.78POS, Everbright Bank special merchant POS machine, other can not be capped POS machine; 3, the net customer card inside the original deposit card 5 times the money, can not brush out the same day, divided into 10 pens, the morning to save money afternoon brush, brush the second day the next. Note: It is not possible to brush on a duplicate machine. Call the amount directly after the third day, add another 10 days, one cycle, and one cycle. More Credit Card Retirements Pay Attention to Public Magic Magic Cards!
  • 56936
  • A friend of the Everbright Credit Card said that the bank phone called and asked me, XXX is who you are, I said no, the bank’s result was rejected. Later I learned that this is the name of his grandmother! This made him quite depressed. For the bank, you don't even know your grandmother's name, and the authenticity of your identity is indeed suspicious. For my clients, my grandmother is so old. I know from grandchildren to grandma how to call my grandma. How do I know the full name? Asked the card friends in several places across the country, said Everbright really has this set of roads. This is very interesting. The bank’s public security network inspections are all known to everyone, but the credit card and the public security household registration information network are the first time I’ve heard of it. Does this count as divulging customer privacy? Everbright's online application process was changed from face-to-face and then face-to-face and re-audited. This undoubtedly means that the probability of notifying visas is increased, and the probability of passing visas is reduced. The usual routine of Everbright: 1. Be sure to be familiar with the information you need to fill in the form. Even if you are responsible for cleaning and sanitation, if the form is filled with the administrative department, you cannot say the logistics department. Otherwise, it is false. 2. The unit telephone number cannot be passed if it is not connected. Some netizens said that they would go to Guangda to sign on the weekend, and the counter said that they would call a company to verify the phone. However, he did not work at the weekend and was unable to answer the phone. He had no choice but to come back later. 3, be careful about side attack. For example, if you have a question and answer about financial management, whether or not you participate in the trading of stocks and gold P2P will measure your level of risk in disguise. Applying for Everbright Credit Cards, 90% will notify you to sign at the bank outlets. But don't think too much about the rights of bank outlets. The signing of outlets is only one part of the review process. Only the card center passes the verification, is the real success, the others are clouds. More Credit Card Retirement Credits Paying Attention to Principal V 9188 8327

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