Constellation card probability _ Constellation card activity

Which line of Ping An Credit Card is higher?

What credit card has a maximum limit?

Credit cards are divided into ordinary cards, gold cards and platinum cards, in which the amount of ordinary cards is between 0 ~ 1 10,000 yuan, the amount of gold cards is between1~ 50,000 yuan, and the amount of platinum cards is generally above 50,000 yuan. To sum up, the platinum card has the highest quota.

The overdue credit card is because after using the credit card, we failed to repay the arrears arising from using the credit card within the specified date. The overdue credit card has a serious impact on us. If it is not handled well, it will probably bring us unnecessary trouble and worry us.

Usually, after our credit cards are overdue, most banks will provide time tolerance repayment and tolerance services for the credit cards in the hands of cardholders. In other words, under certain circumstances, banks allow credit card holders not to repay their loans within a certain period of time. As long as the cardholder can call the issuing bank to apply for time and pay off the arrears in full within the limited period after the repayment date stipulated by the bank, the overdue phenomenon of the cardholder will not be entered into the personal credit information system.

In fact, the law of overdue credit cards is clearly stipulated, and the impact on credit information is only the smallest aspect. Generally speaking, overdue credit cards will bring serious consequences to individuals:

The first is fines and penalty interest.

Late payment of credit cards will result in late fees and interest. The overdue fine is 5% of the unpaid part of the minimum repayment amount, and the minimum repayment amount is RMB 10 yuan or USD 1 yuan. Interest means that all consumption in the current period is charged from the bookkeeping date (usually the day after consumption), and the daily interest rate is five ten thousandths until it is fully paid off.

It can be seen that the overdue credit card is not cost-effective for individuals, and the economic punishment is very heavy.

Secondly, violating the criminal law may lead to imprisonment.

Article 196 of the Criminal Law stipulates that anyone who engages in credit card++activities in any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years++or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than++or++10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:

(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;

(2) Using an invalid credit card;

(3) Fraudulent use of another person's credit card;

(4) malicious overdraft.

Which bank has the best credit card application quota?

Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.

1, Industrial and Commercial Bank of China: Cosmos credit card.

Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!

In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.

2. Bank of China: Taobao Credit Card

In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend any amount for 5 times.

3. Agricultural Bank: Upgrade mom's credit card beautifully.

This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.

You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.

4. China Construction Bank: Global Hot Purchase Card

This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.

Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.

The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!

What bank's credit card is easier to handle and has a high quota?

Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

1. China Merchants Bank Credit Card

The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.

Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.

2. Bank of Communications Credit Card

It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.

The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.

4. CITIC Bank Credit Card

It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.

Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.

Verb (abbreviation of verb) Guangfa Bank Credit Card

Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.

6. China Everbright Bank Credit Card

It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.

In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.

Which bank has the highest credit card limit?

China Merchants Bank, Bank of Communications and Pudong Development Bank have the highest credit card quotas.

1, China Merchants Bank

The probability of a large amount under a small credit card is relatively high, which is said to reach 76%. If it is the first time to apply for China Merchants Bank's credit card, as long as all the information is filled in, you can basically get a limit of 5000- 10000.

In addition to the relatively high credit card quota, China Merchants Bank's credit card withdrawal speed is also relatively fierce. As long as it is used normally, it can be withdrawn in 3-6 months, and the amount can reach 30%.

2. Bank of Communications

The threshold for handling cards in Jiao Xiao will be relatively low, so the probability of large quantity is relatively high, reaching 74%. As long as the information is complete and not dark, you can basically get the card. The initial amount of the card issued by Bank of Communications will be around 5,000 yuan, but it should be noted that if the card is not standardized, it will be targeted.

3. Shanghai Pudong Development Bank

To apply for a credit card in Shanghai Pudong Development Bank, you need complete information and good credit information, and the probability of large sum is 7 1%. Pufa pays more attention to personal comprehensive credit score, so a good credit record will be the trick for Pufa to get a large card.

4. Guangfa Bank

The probability of issuing large cards under Guangfa can reach 67%, mainly because platinum cards are relatively easy to approve. If you have a real estate license, the platinum card is basically stable. If you are lucky, you can give a quota of 50-65438+ 10,000.

5. China Everbright Bank

The probability of approval of the big card of China Everbright Bank is 66%, which may be relatively low, but it is quite easy to raise the amount, and the temporary quota is also very high. Some netizens gave feedback, and the gift amount of the Platinum Card was 654.38+ 10,000.

Extended data

1. When making++consumption, bind your ICBC bank card and credit card together, and then change the money in the bank card into 1,000++,such as USD, EUR, etc. And buy several kinds. Then, I called the customer service of the bank credit card and said that I would spend money abroad, and the amount was too small to use, so I applied for an increase. The most important thing is that I just changed a little++in my bank card, which is very inconvenient.

2. ICBC also takes high-risk control measures for customers without deposits and customers who use cards abnormally.

Which bank has a high credit card limit?

1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.

2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.

3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.

4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.

A bank with a high credit card limit

1, ranking the average credit card limit of banks.

First place: Industrial and Commercial Bank of China. The average card amount is about 41;

Second place: Agricultural Bank. The average amount of the card is around 35,000;

Third place: China Everbright Bank. The average amount of the card is around 33,000;

Fourth place: Industrial Bank. Average credit card limit: about 24,000;

Fifth place: Huaxia Bank. Average credit card limit: about 24,000 yuan, but slightly lower than that of Industrial Bank.

2. Maximum credit card limit of each bank

China Industrial and Commercial Bank Peony International Credit Card (dual currency) maximum amount: RMB account: 5000-20000; Dollar account: 1000 to 2000.

China Industrial and Commercial Bank Peony Credit Card (RMB) Maximum Limit: 20,000.

China Construction Bank Longka credit card (dual currency) maximum amount: 50,000.

China Construction Bank Longka Credit Card (RMB) maximum amount: 5000.

Maximum credit card limit of China Merchants Bank (dual currency): 10000.

Maximum amount of Pacific Credit Card of Bank of Communications (RMB): 50,000.

Maximum credit card limit of Guangfa Bank (RMB): 50,000 yuan.

Maximum credit card limit of CITIC Industrial Bank (dual currency): 50,000.

Maximum credit card limit of CITIC Industrial Bank (RMB): 50,000.

The maximum amount of SDB credit card (RMB): 50,000.

To sum up, ICBC has the highest credit card limit, followed by Agricultural Bank and China Everbright Bank, all of which are above 30,000. If it is easier to apply for credit cards, then the four state-owned banks (the four banks refer to the four state-owned banks of agriculture, China, industry and construction) are obviously at a disadvantage. One of the best banks to handle credit cards is China Merchants Bank. In addition, in fact, after several years of development, ICBC has lowered the threshold for handling credit cards. So generally speaking, credit cards are easy to handle, and banks with high quotas are all ICBC credit cards. Secondly, China Everbright Bank is not weak. China Merchants, Communications, CITIC and other small and medium-sized banks are all good, and their quotas are quite high.

So much for the introduction of high-value credit cards.