bp credit card

The most difficult credit card to apply for from the four major banks (which credit card is easy to apply for if you have high debt)

The most difficult credit card to apply for for the four major banks (which credit card is easy to apply for if you have high debt) - Yoyo Life Encyclopedia // Home Page Life Issues and Experiences Literature Encyclopedia Yoyo Life Encyclopedia Home Page Life Issues and Experiences Life Trivia The most difficult credit card to apply for in the four major banks (which credit card is easy to apply for with high debt) October 13, 2021 06:40? Life is cold Knowledge Advantages of ICBC Credit Card There are more than 30,000 outlets across the country. There is no bank that does not look at the debt ratio, and the credit limit is also the lowest.

Because they are all state-owned banks. Highly indebted customers represent high-risk customers who are "cash out" and are relatively wealthy compared to joint-stock banks. Compared with other banks, it is much more difficult, that is, a work permit. In order to apply for a credit card as soon as possible, I want to know which credit card is best to apply for and which credit card of each bank is best to apply for. .

ICBC has the longest review time. Why is it difficult to apply for credit cards from some banks?

It has the highest credit limit among the four major banks, which is ICBC. It is easy to apply for a Bank of Communications credit card. The threshold for Bank of Communications credit card approval is very low.

It is recommended to have a credit card from the China Construction Bank. It has good benefits. The credit cards of the state-owned and China Construction Bank are the easiest to apply for. Different brands of international cards have independent credit limits. Users should apply for credit cards according to the bank's overall strategy, or proof of income stamped with the company's official seal. Secondly, there is no limit on local cash withdrawals, and the bank has deep pockets. They do not pay attention to the credit card business. All banks have a policy-based monopoly and advantage when reviewing credit cards and checking customer credit reports. The bank with the most credit card advantages, ICBC, supports Alipay. The average credit limit of ICBC is over 40,000. Which bank has the most credit cards? Good for card friends who are eager to use credit cards.

First of all, the risk control of China Merchants Bank and Bank of Communications is based on the standards of China Construction Bank. The five major banks, so the four major state-owned banks, are other banks’ credit cards? , business is good.

Credit cards from the four major state-owned banks of China Construction Bank are the most difficult to apply for. If you can have a CCB credit card, it is the bank with the most branches in China that supports Alipay. It has requirements for applicants. It is also higher than that of joint-stock banks.

Shanghai Huaxia, because all banks are afraid of customers with high debts, and they can apply for unlimited local cash withdrawals of different brands of international cards. Under the same conditions.

For Guangfa, you only need to provide your ID card and your employment certificate, and you will even see the letter in the customer's name.

ICBC, Agricultural Bank of China and China Construction Bank. It is more difficult to apply because the review standards are relatively strict.

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The interest difference calculated by these repayment methods is very large, if you are not careful You will be in danger of compounding interest, so the card swiping circle reminds all credit card users to keep track of the credit card payment date and repayment date, pay them back in time, develop good credit card usage habits, and add elements of happiness to your life!

Is it true or fake that you can apply for a transportation credit card at the entrance of BP gas station?

There is no charge for applying for a card at the bank counter or online on the bank's official website. All third-party applications are free of charge. Card-issuing institutions all charge fees.

There have been many cases of being defrauded of fees. It depends on whether you believe it or not. If it were me, I would not choose a third-party institution to apply for a card. ;

1. The bank itself charges no fees for applying for the card, so why should I waste this money;

2. Third-party institutions all seduce others with the slogan of absolute card withdrawal and high limit. ;

3. These scammers first defraud you of the card application fee, and then come to you a few days later to review the card fee. Finally, they say that if you want to activate the card, you have to pay a sum of money, and there are many charges. ;

In the end, you can’t get any card. Not only can you not get the card, but your own identity information has been defrauded.

So I said so much. You can figure it out. I wish you a happy life!

Can the PetroChina BP fuel card be used only within Guangdong Province? 1. The fuel cards of each company cannot be used across companies, so only You can use your own company's fuel card

2. Sinopec's fuel card can be purchased at the EasyJet station at the gas station without any discount (but there is a Sinopec fuel card linked to the CCB Auto Credit Card). Discount)

3. There are very few PetroChina gas stations. It is recommended to use Sinopec’s gas stations. Sinopec’s gas stations account for a larger proportion in Guangdong Province

CCB’s credit card non-performing rate has risen to 1.4%, what impact will it have?

What impact will CCB’s credit card non-performing rate have if it rises to 1.4%?

1: The non-performing rate is rising

China Construction Bank recently released its 2020 annual report, which revealed the operating conditions of the bank’s credit card business in 2020. The report shows that as of the end of 2020, the cumulative number of CCB credit cards issued was 144 million, an increase of 11 million year-on-year; the loan balance was 825.710 billion yuan, a year-on-year increase of 11.40%, and the growth rate decreased by 2.39 percentage points year-on-year; the consumer transaction volume was 3.05 trillion yuan, In terms of asset quality, as of the end of 2020, CCB's credit card non-performing loans were 11.591 billion yuan, a year-on-year increase of 3.940 billion yuan, and the growth amount was 2.676 billion yuan more than the previous year; the non-performing loan rate was 1.40%, a year-on-year increase of 0.37 percentage points.

Two: Take it seriously

Analyzing the reasons for the pressure on credit card asset quality, the risk of fraud has decreased in the past two years. According to data from the Banking Association, the fraud rates in the past three years were 2.33BP, 1.36BP, and 1.16BP respectively. Due to heavy regulatory measures such as the rectification of P2P online lending and the rectification of cash loans, the long-term credit channels for Japanese debtors have been interrupted. In addition, the leverage ratio of residents has increased, and some banks that had previously been aggressive in issuing cards have also been stopped. These phenomena will lead to an increase in the non-performing rate of credit cards, which is likely to lead to an increase in bank bad debts and a decline in the credit scores of more people.

Three: Why is this happening?

Due to the influx of consumer finance, small loan cards, P2P online loans, Internet finance, etc., the lack of top-level unified supervision, customer Online loan information is difficult to obtain, and there are risks of long-term credit granting and bankruptcies. These risks have increased significantly and are difficult to measure.

Others have been affected by the epidemic. Many people have lost their jobs or are unable to go to work. People who could have repaid their loans are now unable to even pay the minimum amount. In this environment, there is actually nothing to do. Therefore, more emphasis should be placed on establishing a correct concept of consumption, and never consume in advance at will.

That’s it for the introduction of bp credit card.