CCB has pre-approval quota, so it refuses! Is CCB's pre-approval quota useful?

Friends who have business dealings with CCB can basically find out the pre-approval quota, that is, the estimated quota for handling other CCB businesses. Many people refuse to do business with CCB, so they will doubt whether the pre-approval quota of CCB is useful. Let's find out.

Why does CCB have a pre-approval quota?

In fact, the pre-approval quota of CCB is only a reference quota for handling this business, not a real quota, and it does not mean that the pre-approval quota can certainly handle this business. Take CCB's credit card as an example. If the credit card pre-approval limit of CCB A is 8,000 yuan, in fact, it may be rejected if it is handled by him.

After all, after submitting a credit card application, the bank needs to comprehensively evaluate the applicant's income, credit information, liabilities, age and other factors, and then give a credit line after approval, which is the final credit line of the credit card. If the applicant fails to meet any one or more conditions, it may also be rejected.

Therefore, the pre-approval quota can be regarded as a preliminary examination of the qualifications of customers who have business dealings with banks, and a second examination is needed to obtain the final quota when handling business.

Is CCB's pre-approval quota useful?

Although it is not the final quota, the pre-approval quota is still useful, which at least shows that the customer's qualification has been initially recognized by the bank. Compared with customers who have no business dealings with CCB, it can play a certain reference role in handling other businesses of CCB.

This is easy to understand, that is, the difference between acquaintances and strangers. Compared with strangers, acquaintances will certainly gain trust, and so will doing business in CCB. The trust of old customers is still higher than that of new customers.

The above is "CCB has pre-approval limit, refused! Is CCB's pre-approval quota useful? " I hope it helps you.