foreword
as a student The unemployed A group of up to 200 million people in flexible employment✔
When faced with credit card applications in mainland China, you often encounter difficulties, because you need to submit strange certificates, company, social security, etc., after consulting group friends and relevant experience on the Internet, the card is successfully approved automatically.
Of course, please note that those who call you harassingly (known as JD.com, Meituan, and XX Bank) and those who text you that you are a VIP, pre-approved, well-qualified, green channel, with a maximum limit of XX million (I accept Those who have visited CITIC, Hengfeng, Pudong Development, Traffic, China Merchants, Everbright, Huaxia, and Guangfa) are all pure advertisements, pulling people’s heads, and useless (especially text messages, and phone calls may be a little useless).
Also, please note that most banks do not grant approval cards for occupational students, and student approval cards are limited by regulations to hold credit cards from up to 2 banks.
pre-approval
In the credit card section of the apps of Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Ping An Bank and other banks, sometimes you can see the “pre-qualification limit”. cannot.
Generally speaking, the amount of automatic approval and pre-approval are generally highly consistent.
Generally speaking, the triggering conditions for pre-approval are:
- Peer debit card (including income and expenditure, salary income, years of use)
- Peer investment and wealth management (such as funds, fixed deposits)
- Peer loans (such as home loans and car loans)
If you are a white credit accountant, it is a good direction to start with debit cards and financial management. If you are employed, you can also apply to the payroll card issuing bank with your social security and employment certificate.
Bank of China
As one of the four major banks in mainland China, Bank of China is known as a “brick bank” (brick = 10,000 RMB, or W CNY). According to the experience of netizens, Bank of China mainly looks at your assets, which is very similar to Bank of America BOA. According to the comments of netizens, the characteristics of Bank of China are that it recognizes the salary and running water, and values assets, wealth management, and deposits.
However, the Bank of China is basically unable to raise the amount, and the difficulty of raising the amount is the most difficult level among mainland banks. However, in general, the normal limit is enough for daily use, and the credit card overflow in mainland China is still very simple.
Personal experience
Since 2014, I have used Bank of China, with a long-term fixed deposit of 4w+.
In the past year, the turnover is about 94w RMB
Expend 21W in 2022, mainly real consumption
Then a few months ago, I saw that the App showed the pre-qualification amount of 8500CNY, At the beginning, I mocked this quota with my friends as pure fart, but I didn’t expect to be slapped in the face.
The specific pre-examination amount may be related to the deposit and running water, and it is estimated that it is 1/10 of the deposit.
You can also refer to the cases of my love card forum: portal
application process
You can apply in the Mobile Banking App. Then the first card selection, I took a walk around, to be honest, these cards are pretty bad, they can only be said to be pure entertainment cards.
If your limit is less than 1w, it is recommended not to apply for a platinum card. Of course, the annual fee and the number of swipes for the platinum card are higher than those for the gold card and the general card.
The basic operations such as filling in ID card information and family information will not be mentioned. The most troublesome thing for many student parties, unemployment parties, and flexible employment parties is the work content. Generally speaking, the work content is a required item.
First of all, if it is a student or someone who is about the same age, it may check the data of Xuexin.com, so don’t be too arrogant about your education.
Occupation type and work unit, if you are a full-time employee, then fill in the truth is nothing to say, if you are a pure student who wants to apply for a student card, then fill in the school address, call the school or the school’s academic affairs office, if the income can not be 0, then Just fill in 1. It is recommended not to be too arrogant for the length of service, and it can meet the normal calculation level (not 22 years old and 5 years of service).
According to the experience of group friends, for work, the general salacious operations are:
- school counselor, address writing school
- E-commerce (cross-border e-commerce, Taobao stores, etc.), write your own address
- Freelance/unemployed, write your own address
- Open your own company, studio, self-employed, and write your company/work/home address
- Fill in the parent’s company unit, and write the address of the corresponding company unit.
Then most banks require a landline. I filled in the landline of my own home. It is said that this is generally not verified, but it is hard to say. It is recommended to study how to deal with it.
Then there is the contact person. This is a pain in the ass. You have to write a person. However, if you are a Bank of China, you can write relatives or “other”. I just finished the nonsense with Ali trumpet. I didn’t have phone verification when I applied.
Then I applied for a digital gold card this time, and I did not have a physical card. Before the application, I temporarily moved into 3w financial management. After the application is submitted, there is no notification, no online search, no serial number, but after waiting for about 10 minutes, the machine will automatically send a text message. (But looking at my application in March and May 2021, the application was numbered at first, and then it was rejected after 40 minutes. At that time, there was always a fixed deposit of 4w, which means that the deposit is not enough. , there must be a large flow of deposits and withdrawals and normal consumption, but it is not ruled out that it is because the student career was chosen)
Then, a half-year activation period is given, and no functions can be used before activation, and the quota is exactly the same as the pre-examination quota.
activation process
Bring your mainland China ID card and registered mobile phone number (if you have a physical card, you should bring a physical card)
After arriving at the outlet, go directly to the smart counter to find the customer service and say to activate the credit card, and then you need to manually operate at the counter
- Click to activate by credit card
- Enter the middle 8 digits of the credit card number
- insert ID
- Registered mobile phone number SMS verification
- face recognition
- Write a piece of text on the machine and sign the claim instructions
- Sign your name on the machine
- Customer service manager pressing fingerprint
- Then remember to take a photo to save your security code and expiration date
There was no inquiry throughout the whole process, and it was required to prove the following:
- family address
- work address and phone
- Contact ID and Phone
- Job information, company, unit, position, length of service
- Income information and proof
- Proof of assets and financial resources
- proof of source of funds
- Social security, medical insurance, provident fund information
- Personal income tax and other tax information
[Of course, this is the activation process of the Bank of China’s smart counter. It is said that banks including but not limited to China Merchants Bank will require you to come to your home and company for information inspection, as well as social security and other information. The strictness of each bank is different. It is recommended to consult Users with application experience, especially online applications, offline applications and event applications have no reference value]
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