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Rong 360 credit card >Card selection center >Everbright Bank Credit Card > Everbright "Fu" Credit Card Gold Card
Everbright "Fu" credit card gold card

Everbright "Fu" credit card gold card

Xiaobian Review

Automatic interest-free installment discounts
  • Foca MINI card consumption No need to apply Automatic interest-free installment (12 issues)Foca MINI card consumption No need to apply Automatic interest-free installment (12 issues)
  • Give 1 million yuan for travel accident insuranceGive 1 million yuan for 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 The annual fee is waived for the first year, and the annual consumption of three or the cumulative amount of 2,000 yuan, free of the annual fee

Annual fee policy: In the first year, the annual fee is waived. In the current year, three or the accumulated amount is 2,000 yuan, and the annual fee is waived.

Points rules: Puka, Jinka consumption 1 yuan accumulated 1 point, birthday month consumption 1 yuan accumulated 2 points

The validity period of the points: 5 years

Cash withdrawal: The maximum cash withdrawal ratio is 50%, the cash withdrawal fee is 2.5% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.

Minimum repayment ratio: 10%

Interest-free period: Minimum 20 days, up to 50 days

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

Lost card protection: Everbright Bank Credit Card can enjoy 48 hours of loss before card loss protection service

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 a legitimate occupation and stable income;

Application materials: 1. Identification: Generally, it is an ID card (if you are using a new ID card, you need a copy of the front and back), the military must provide a copy of the military ID; 2. Work certificate: It can be the original work certificate issued by the unit ( Please specify the specific company name, department, position and income, and affix the company official seal or personnel chapter), or a copy of the work permit / card; 3, financial proof: can be a bank payroll record, or income tax withholding certificate , or housing, car, deposit and investment market value documents (such as real estate license / car driving permit / bank deposit certificate) and other information that can prove your financial level

Exclusive privilege

Card privilege

  • Foca MINI card consumption No need to apply Automatic interest-free installment (12 issues)Foca MINI card consumption No need to apply Automatic interest-free installment (12 issues)

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

    "Fu Credit Card Gold Card" will give away 1 million yuan of travel accident insurance and 48 hours of lost card protection service.

Related costs

Cash withdrawal: The maximum cash withdrawal ratio is 50%, the cash withdrawal fee is 2.5% of the cash withdrawal amount, and the minimum domestic fee is 10 yuan.

Repayment: The minimum repayment amount is 10% of the monthly bill, and the daily interest rate is 0.05%.

Liquidated damages: A repayment of less than the minimum repayment amount is subject to a 5% liquidated damages, and the minimum fee is 15 yuan / 2 US dollars / 2 euros.

Overrun fee: More than 5% of the credit limit

Overdue payment: The amount deposited is more than the amount owed, and 1% is charged when taken out

Loss of charge: 50 RMB

Reissue card fee: 20 yuan

Instalment rate:
  • Phase 3Phase 612 issues18 issues24 issues
  • 2.9%5%9%----
Card friend reviews
  • 41088
  • Everbright's calculation is relatively stable, from the next card 25,000 to the fixed 130,000 today, basically each time the quota is fixed 30% temporary 50% and temporary renewal. 1, Everbright temporary renewal, Everbright each time after the temporary expiration of one month before the bill of light, the Bank of China should not exceed the limit, whether you temporarily tens of thousands of people remember to pay before the date, the best bill date, such as your last time is 22 The bill for the number 20 is recommended to be part of the repayment on the 19th. What should the other cards do? Basically, they can continue, or the letter will be checked, as long as there is a paragraph (the number of credit cards you apply for is used). The rate and the status of each letter dai are the adjustment conditions for the quota adjustment. If the quota adjustment cannot be made after the review, it is basically necessary to update the score after three months. 2, usually the amount of credit card does not matter, Everbright pays more attention to the staging and credit card amount, the basic amount of freezing is not raised, the type of merchant does not matter, the basic repayment on time is basically no problem. 3. If the above requirements have been met, the voice call will be raised first and then fixed temporarily or only after three months, and the temporary fix will not affect. 4, in accordance with this line of thinking, the next time you should be able to graduate 150,000, and then temporarily expired after a month, the temporary quota will be estimated at around 130,000 percent of the 130,000 percent can be mentioned around 190,000. 5. According to the above situation, this is broken within three months (the amount of credit card used for your application and the status of each letter dai are the adjustment conditions for the quota adjustment. If the quota cannot be adjusted after reviewing), the card is fixed at 100,000. Temporary 50% mentioned 150,000 fixed 30% mentioned 130,000, billing date is No. 22 on the 20th last time, 22nd must check the letter, 19th I still pay, 20th bill keeps part available The amount, the 22nd check, can be mentioned, the card friends can try it, and brush and cherish! Each score in the bank is different. If you can't, please continue to maintain the card to maintain good card habits. According to my method of operation, it should be no problem, and after the temporary expiration, you must return it before the bill is issued, remember! ! More credit card maintenance card withdrawal knowledge sharing attention to the public number magic financial card line!
  • 32490
  • :' (Speaking: The online credit card was approved on December 14, 2017, and received a text message requesting to China Everbright Bank (Ruian Branch) for a face-to-face review and card issuance. On Saturday, December 16, 2017, At 14:30 in the afternoon, please go to 15:30 to go to the (Guangda Ryan Branch) for the face-to-face sign! Just go in, except for the staff, there are no other people who handle the business! I asked the staff, how to handle the credit card visa! One staff member replied: I will not apply today ( Saturday-Sunday is not processed. From Monday to Friday, I will go back to work at the company! The second time I will go to the face-to-face sign: At 8:30 on December 18, 2017, I will take time off to 11:30, so I will be there again (Guangda Ryan Branch) Time 9:35 asks in what area to apply for a face-to-face check? The staff member answers to the security guard where to get the ticket, so the security has long been ready to print out the ticket number in front of 18 people, well, I wait, wait until around 11:00, well in front of There were 3 people, so I went to the face-to-face workman to come in the afternoon, so go home, I didn’t go in the afternoon because I couldn’t take time off, so I took a leave on the second day of December 19, 2017 at 14:50, 15:10. (Guangda Ryan Branch) There are 24 people in front of the ticket, and there are 5 people in front of 17:00. The staff is called to work, everyone will come to handle it tomorrow! I will take 3 times to face the visa, and lose 500 RMB! Check in! Is it my character or other factors? I feel a deep tears! The above is 100% true! I said that I will not be able to make a big deal in the future! Just spit it out, there is no other thought! Seek comfort!
  • 32118
  • During the period after the National Day, I saw some photos on the Internet. One of the business outlets of China Everbright Bank was full of people. All of them are holding a credit card to face-to-face. I don’t know what I thought was the commemorative coin! The person who sent the picture spit: There is still a 50-year-old who was asked to take the phone when asked about the address. This can be done, seriously suspected that the inside has been infiltrated. Everbright is very hot this year. According to senior card friends, the face-to-face process of some Everbright outlets requires a landline or social security. If you don't match, just look for an excuse to open the sneak peek and try a looser outlet. If you are in the system, open the face-to-face process and be rejected, there is no chance to come again. Recently, a lot of agents have been arguing for the violent increase in speculation, saying that after the card is placed, the amount is 8 to 9 times, and there is a picture. The initial quota is 10,000 yuan, but the card paper indicates that the amount of the first brush will be raised to 90,000 yuan. In fact, this is the new trick that Everbright played. These customers have good qualifications and can approve 80,000 and 90,000. It is just that Guangda deliberately hides the quota. The main purpose is: First, the customer is strongly encouraged to open the card. The Everbright Platinum Card requires an annual fee. If the card is not opened, the annual fee cannot be charged. Second, to compress the credit line, the credit card is the total credit line of the bank. If the customer of the high credit card does not open the card, the amount is idle, resulting in waste of credit resources. It is better to waste 90,000 than to waste 10,000. More credit card raises the amount of knowledge to pay attention to the public number magic financial card line!
  • 26054
  • If you open the card for more than half a year, the monthly consumption will account for 30% of the total amount. If you have no record of arrears, you can apply for a permanent fixed amount according to the following steps! 1. It is most important to ensure that you do not withdraw cash on the bank's automatic machine. As long as there is an ATM machine withdrawal record, it is more difficult to raise the amount. More credit card raises the amount of attention to the principal v 9488 532 7. 2. At least 5 to 6 different merchants' consumption per month, regardless of whether they are large or small, must be different merchants. 3. Don't have stages. In short, the staging is very useful for some banks, but it is the opposite for China Everbright. Remember! As long as the above three points are met, and then apply for Everbright's temporary quota, 100% will be approved. Everbright Bank's internal policies stipulate that if you want to increase the fixed amount, you must have 3 temporary advancement records (to obtain a fixed amount of Everbright, this is the key point) After the Everbright credit card is swiped, go to the Everbright Mall to buy something. (Some people can, some people can't) After the purchase, you can refund it, or make a temporary quota, and then apply for a card online. Everbright can go to the counter before the amount can be raised, remember to go to the counter, it is said that the amount is too small to use, to increase the amount, if there is a driving license or proof of assets is better, so the amount proposed is much higher than through the telephone channel . If you go to the counter, if you don’t bring anything, you can usually at least double. Everbright Bank Platinum Card directly mentions 500,000 capping technology. Operational requirements: 1, as long as it is a platinum card 100% can be successful; 2. Require customers to use for more than half a year; 3, can not have overdue overdue. There is no temporary expiration. Operation method: 1. First login to the online banking to check the bill, whether it has been overdue; 2. Prepare a 1.25 gold POS machine and 0.78 POS. Everbright Bank invites merchant POS machines, others cannot cap POS machines; 3, the network customer card inside the original card 5 times the money, can not be brushed out at the same time, divided into 10, in the morning save money in the afternoon brush, the second day in the second brush. Note: You can't brush on the repeating machine. After the third day, you can call the amount directly, add 10 days and one cycle, and pick it up once. More credit card maintenance cards to pay attention to the public number magic financial card line!
  • 62693
  • A card friend who has a large credit card said that the bank phone call came over and asked me, XXX is who you are, I said no, the bank results were 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 the name of your grandmother, and the authenticity of the identity is indeed suspicious. For the customer, my grandmother is so old, I know grandma from a young age, how do I know the full name. I have asked card friends from several places across the country to say that Everbright really has this routine. This is very interesting. Everyone knows the bank's public security network verification, but the credit card and the public security household registration information network, I really heard it for the first time. Does this count as revealing customer privacy? Everbright's online application process, from the first review and then face-to-face, to the first-sided sign and then review. This is undoubtedly, the probability of notifying the face-to-face sign is increased, and the probability of passing the face-to-face sign is reduced. The common routine of Everbright Noodles: 1. Fill in the form information must be familiar, even if you are responsible for cleaning and sanitation, the form is filled with the administrative department, you can not say the logistics department, otherwise it is a holiday. 2, the unit phone number, can not pass without being connected. Some netizens said that they would go to the big face to sign on the weekend, and the counter said they would call the unit to verify. However, his unit did not go to work on weekends, could not answer the phone, and had to come back in the next day. 3. Be careful when you hit the side. For example, the question and answer of financial management, whether the stock gold P2P participates, measure your risk level in disguise. 90% of the application for Everbright Credit Card will inform you to go to the bank outlet for a face-to-face check. But don't think too much about the rights of bank outlets. The face-to-face check is just a part of the review process. Only when the card center is approved, is it a real success, and the rest are clouds. More credit card maintenance card withdrawal knowledge about the principal V nine one eight eight five one 327

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