In fact, many people don't play credit cards, which are all explosions. Credit cards save me money. If you can't save money, swipe your card regularly. I think it's useless to cancel your business and the Bank of China. It's better to get a few other bank cards. It better be the kind with a purpose.
I only have one card, CCB's, and I want to cancel it, but the process is quite difficult. It's no use keeping the card. You have to use it three times to get rid of the annual fee. I didn't use it three times, and I stayed in the desert Gobi all the year round, and it didn't cost much.
Hello, Ma Penglong said this question will be answered for you. I suggest you cancel the three cards of Bank of China, China Construction Bank and Communications. Let me give you a brief analysis.
Let's talk about traffic first. Traffic is the bank with the strictest risk control. Your credit limit is only 5,000 yuan, so it is difficult to raise the amount. Although the loan for transportation is good, the fixed credit limit of your card is too low, so it is difficult to raise the amount and issue loans outside the card. So the first bank I suggest you cancel is Bank of Communications. When your overall qualification goes up, you can apply for another credit card of Bank of Communications, and it is also possible to issue cards directly, that is, two.
Next, China Construction Bank and China Bank will be cancelled. First of all, the amount of these two cards is not high, and neither of them exceeds 10 thousand yuan. In addition, it is very difficult for these two banks to increase the quota. Bank of China can only raise the quota once a year, which requires a lot of assets. If you go abroad frequently, you can swipe the card of China Bank, which will increase the quota faster, and the cashback of China Bank's consumption abroad is also very strong. If this is not satisfactory, I suggest you cancel it directly. There are also China Construction Bank and China Construction Bank. Although the zero-hour quota is very large, it is difficult to increase the fixed quota unless you have a car loan or a large deposit certificate in CCB, which not only increases the fixed quota of your credit card rapidly, but also CCB has a loan called fast loan with a maximum credit line of 300,000. The system automatically whitelists the credits without any guarantee and audit. However, without what I said, CCB will be cancelled.
All right, let's talk about it again. The remaining banks, first of all, are CITIC Bank. Although CITIC Bank only has a quota of 5,000 yuan, which is not high, the advantage of CITIC Bank is that it can increase the quota in a curve. You can directly increase the quota, three months or more, and there will be no problem when it reaches more than 20 thousand to 30 thousand. More importantly, CITIC Bank has dreams, money, new money and this.
Next, ICBC, ICBC, you have a mortgage, which is a plus item for cash withdrawal by credit card, but you may not understand the system of ICBC. If you do, it is very easy to withdraw 565,438+10,000 or even 200,000 directly from 5,000 yuan. I suggest you read my previous article about ICBC. ICBC's credit card has many rights and interests, and the most important thing is that it can be exempted.
The last card left is Minsheng Bank. There is a simple reason. Minsheng Bank has the highest credit limit among all your cards and can support you temporarily. Moreover, the credit line of Minsheng Bank is faster. More importantly, Minsheng Bank also has post-card loans with a maximum credit line of 300,000. Therefore, I suggest you keep this card.
To sum up, you should cancel the credit cards of Bank of Communications, Bank of China, China Construction Bank and these three banks, while you should keep the credit cards of ICBC, China CITIC Bank and Minsheng Bank. My answer today is right here. Please pay attention to more credit card knowledge, Ma Penglong said.
Bank of China can get a line of 9 100, which means that your job qualification is very good, or you have a lot of assets in Bank of China. Bank of China can get 9 100, and other banks should get at least 20,000, but the result is indeed 5,000 to 6,000, indicating that your card processing channel is useless, or there is something wrong with filling in the submission materials, resulting in such a low quota.
Icbc has a mortgage and only gives a quota of 5000, indicating that there are not many mortgages. Another situation is that the repayment month is short, and ICBC invites you to do it right away. If the loan amount of ICBC does not exceed 500,000, or if it does not want to put all the funds in ICBC's support, ICBC can cancel it. Because ICBC values capital, there is not much money to play with and the quota is limited.
CCB is also one of the four state-owned banks. If there is no mortgage, car loan or other loan in CCB, it is not recommended to keep it. The four major banks are * * * and value assets.
Bank of China can get a line of 9 100, which means that your job qualification is very good, or you have a lot of assets in Bank of China. Bank of China can get 9 100, and other banks should get at least 20,000, but the result is indeed 5,000 to 6,000, indicating that your card processing channel is useless, or there is something wrong with filling in the submission materials, resulting in such a low quota.
Icbc has a mortgage and only gives a quota of 5000, indicating that there are not many mortgages. Another situation is that the repayment month is short, and ICBC invites you to do it right away. If the loan amount of ICBC does not exceed 500,000, or if it does not want to put all the funds in ICBC's support, ICBC can cancel it. Because ICBC values capital, there is not much money to play with and the quota is limited.
CITIC and Communication suggest to keep it. Commercial banks can increase the loan amount relatively quickly, and at the same time, the back-end loan is very high, with a fixed amount of 50,000, which can probably give 1.5 million back-end loan. With assets, it is easier to mention.
Minsheng Bank gave 20,000 yuan, indicating that the application was made in the right way. At this stage, it is easy to support people's livelihood and increase the quota, and the speed is still very fast.
My suggestions fall into two categories:
If funds are tight at this stage, first cancel those that are difficult and slow to increase the quota, such as ICBC and CCB. When the quotas of other banks come up, we will cancel the Bank of China.
If the funds are not tight, only BOC and Minsheng will be retained, and everything else will be cancelled. Then mainly mention the Bank of China and the people's livelihood to see which one is faster and higher. After half a year, use the highest bank to handle the card. Half a year after joining, Minsheng mentioned 30 thousand yuan, which can be used to run a card. The amount of the card is at least 30,000+. If you are not in a hurry to use funds, you can continue to raise funds. If it is raised to more than 50,000 yuan, you can get a card with a card. The amount will be higher then. It saves a lot of time and energy than slowly improving from 5000.
Wealth consultant of New Ant Financial Services Business School, focusing on financial business consulting, financing consulting, real estate investment consulting, credit card withdrawal guidance, etc. Welcome to pay attention and share dry goods every day!
Discuss keeping an ICBC credit card and the longest one!
1: ICBC's violent cash withdrawal is not just talk!
But first, you have to meet his withdrawal conditions (deposit! Stars! )
Your ICBC has a mortgage (if you just bought a house, it is not so easy to raise the amount: the debt is too high! )
Personally, I mind saving it as soon as possible! Brush brush!
Maximum time: no overdue, no minimum repayment!
(Any bank that handles credit cards will read a personal credit report and big data, so the source of credit information is the repayment record! The longer the time, the better the repayment and the higher the credit score.
What about big data: online loan! Credit! Don't touch it!
The following is my personal opinion: if you want to apply for a higher amount of debt, use your card well, it will take a long time! Cancel all the unused ones with low quotas! You can keep this 20 thousand, and the industry and commerce will sell it without deposits and stars (it won't be mentioned for a short time)
Keep that 20 thousand, and the longest! If all the cards are less than one year old, just use them casually and sell all the cards that can be sold (just keep them for the longest time)
CITIC Platinum Card (Sales) 480 Annual Fee! ! ! It's useless now
Hello, you have six credit cards, keep three and cancel three. Let me give you some advice. First, when you use a credit card, you must first raise the limit. If it is easier to raise the limit during your use, I think you can stay first. Although the current quota is not high, it can be increased, and the future quota will certainly not be very low, so it will be more convenient to use money in the future. Second, it is convenient to use a credit card, and you can keep this credit card. If you have a car, it is recommended to apply for Minsheng Car Card and CCB ETC Card first. Third, if credit card points are valuable, they can also be considered. Many people will ignore this problem, points are valuable, but also banks in another way to give you concessions. If there is a Wal-Mart supermarket near you, I suggest you leave a Wal-Mart co-branded card to facilitate transportation. Integral is a more valuable one. Credit cards also need to guard against risks. Where is this risk? Many people don't know that most credit cards have a buffer period of more than three days and will not be blacklisted. Except for a bank. This bank is China Industrial and Commercial Bank. If you have ICBC, I suggest you give it up. It's not that ICBC is bad, but from the perspective of consumers, we need to pay attention to risks. So keep CCB, Bank of Communications and People's Livelihood. What I said may not be suitable for you, but if you choose according to my method, you will find one that suits you. Use your card well!
It is recommended to keep an ICBC credit card. Too many credit cards are also cumbersome. I have used CCB credit card, which can't be compared with ICBC credit card. I compare it from the following aspects:
First, the credit card repayment cycle of ICBC is longer than that of CCB.
Second, ICBC's credit card does not need to be changed for at least five years, while CCB has to change it once every three years. Moreover, CCB sends a registered letter to the local post office, and the post office informs you to pick up the card. Icbc never sends cards through the post office, but ICBC sends people to deliver them to your door.
Third, the audit procedures for issuing credit cards by ICBC are more complicated and strict, while CCB is more casual, and some people sell credit cards at the entrance of supermarkets.
Therefore, I suggest that no matter how many credit cards you have, ICBC credit card must be the first choice. Credit cards from other banks should be introduced, and ICBC credit cards should also be kept.
Personally, I think it is probably the wisest choice to keep all six credit cards. Details are as follows:
First of all, these six credit cards have been fully displayed in your credit history. Assuming that there is a new credit card demand after cancellation, reapplying for a credit card will add an extra credit card application record to the credit report, which runs counter to the original intention of card cancellation.
Secondly, each bank's credit card has its own preferential activities. It would be a good choice to keep the occasional "bonus hunter", after all, it can save money!
Finally, for some customers who cancel their credit cards, they may encounter considerable obstacles in re-applying for credit cards in the future, so the cancellation of accounts may be due to obstacles!
In addition, I would like to remind everyone to pay attention to the credit card charging policy. If you don't use a credit card, you will be advised to cancel it to prevent forgetting the annual fee from causing arrears and affecting credit information.
I am Hang Jian, a private banker's apprentice, sharing reading notes and financial knowledge!
Cancel traffic, CITIC Platinum Card, Industry and Commerce.
First of all, credit card users are generally concerned about the amount, low traffic and low withdrawal amount, so the credit card amount is so low, we will know if it is useful.
Moreover, the amount of platinum cards is generally more than 30 thousand, and the amount given by CITIC is very small. Moreover, the platinum card has an annual fee, and the annual fee is non-deductible. The average bank can only reduce the handling fee if it spends more than 200 thousand, but it will not be reduced in the first year.
Finally, the credit card limit of ICBC is generally low, but the car or real estate attached in the future is generally large. Here, ICBC's credit card can be cancelled. This card should be processed before the mortgage application is filed or the mortgage has not been repaid, or there are no additional real estate materials. After cancellation, you can take the real estate materials to the bank to re-apply for one, which is basically a large amount.
As for architecture, BOC and the four major banks are not easy to apply for, but they are still very useful in life and can stay.
ICBC and BOC of the four major banks must stay, and the credit cards of the four major banks are not easy to handle, and then there is only one big credit card left.