Which bank credit card is easier to apply for

Each bank has a wide variety of credit cards with different standards. The following are the credit cards that are easier to apply for

1. China Guangfa Bank Credit Card

Guangfa Credit Card has many activities, a large limit, and is easy to apply for. Therefore, GF has many loyal fans. The easiest credit card to apply for is, of course, the GF Zhenqing Credit Card. This card is the first female-only credit card in China, and its 3x points at merchants of your choice have made countless female consumers crazy. More importantly, applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.

2. China Merchants Bank Credit Card

The best card to apply for is the China Merchants Young Card. This card is one of the most popular cards among young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply. If the cash withdrawal limit of the maximum credit limit of 100 is not enough, then the first cash withdrawal in each calendar month is free of charge~~

3. Ping An Bank Credit Card

Ping An Bank Credit Card is ten points It is down-to-earth, such as the car owner card for car owners, the standard card for supermarket shopping, the platinum card for airport discounts, and the green channel to go directly to the movie theater. Card promotions cover food, fitness, entertainment, shopping, etc. The TOP2 most popular and best credit cards.

4. CITIC Bank Credit Card

CITIC Bank’s online application for credit card is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours! The verification information is very simple, just make a photocopy of your ID card, and there are many promotions, such as points for refueling, cash back when you spend enough, free food, free movie tickets, etc. Cards can be issued as quickly as one day, with a maximum credit limit of 100,000. These are the two most worth-buying credit cards from China CITIC Bank.

5. Everbright Bank Credit Card

The installment fee of Everbright Credit Card has always been the lowest in the country. The approval rate is high and the card can be obtained as soon as one day. It is well-known among card friends. All pretty good. Ten Yuan Hui Life creates the most affordable food, drink and entertainment activities. Ten yuan to watch movies, enjoy delicious food, wash beautiful clothes, and wash beautiful cars?

6. Industrial Bank Credit Card

Industrial Bank has fewer outlets, but has many activities and benefits. For card lovers who love traveling, the Mango co-branded credit card is indispensable. It is the oldest and most popular card among domestic credit card travel products. In addition, the application success rate is often much higher than other credit cards. Of course, if you can also indicate your intention to travel overseas to the customer service staff during the card application process, then your Mango Card application will be guaranteed!

Which bank credit cards are easy to apply for and get issued quickly? Take a look at these three companies

Nowadays, many cardholders like to apply for cards online. Although it is faster to apply for a credit card online than at the counter, you still need to pay attention when choosing a bank. After all, every bank Credit card approval speeds vary. Here is a list of several banks that are easy to apply for and issue cards quickly for your reference.

Which bank credit cards are easy to apply for and get issued quickly in 2020?

1. Bank of Communications:

According to feedback from many cardholders, when applying for a card through the official channels of the Bank of Communications, you usually apply on the same day, and the approval result will be available on the same day, and the card will be issued within two days. . It only takes 3 days from application to getting the card, and the amount given is relatively generous. As long as the card can be approved, it is usually more than 10,000 yuan. In terms of card selection, Bank of Communications Y-power credit card, Walmart co-branded card, and some co-branded cards are all cards that can be used quickly.

2. Industrial Bank:

Industrial Bank credit card is easier to apply for among many joint-stock commercial banks. The card issuance speed is quite fast. For non-white households, you can find the right card to apply for. Channels and card types, results can be obtained in as little as 5 minutes.

I have personally practiced this. I applied for a Taobao card on the Alipay Life Account. When applying, I had to authorize Zhima Fen. 2 minutes after submitting the application, I received a text message saying that it was approved and asked to go to the bank for an interview to get the card. , the limit is 10,000, which is quite good.

3. Minsheng Bank:

Minsheng Bank’s credit card is also easy to apply for, and the card is issued quickly, especially for non-white accounts. The card has been used well in other banks for more than 1 year. If you apply for a credit card with a limit of tens of thousands of yuan through Alipay, the approval speed is very fast. The fastest you can do is submit the application and receive the approval notice immediately.

Finally, I would like to remind you that although it is easy to apply online for credit cards from these banks, you still have to have a successful interview before you can use the credit card. Everyone must be fully prepared before the interview.

Which bank credit card is easy to apply for?

Credit cards from China Merchants Bank, China Everbright Bank, and Ping An Bank are relatively easy to apply for.

Supplementary information:

It is very simple to apply for credit cards from China Merchants Bank, Everbright and Ping An. All you need is your work badge, medical insurance card and ID card. China Merchants Bank can also directly apply and fill in the information on the official credit card website, and the bank will send the credit card after verification. In terms of quotas, these three will also be higher than the four major state-owned banks.

Extended information:

1. The application conditions for China Merchants Bank credit card are:

1. The applicant is between 18 and 60 years old and has Chinese nationality.

2. Applicants must have a relatively stable job and income, with an average monthly income of no less than 3,000 yuan.

3. The applicant must provide the bank statement of the salary card and the list of personal social security accounts for the past 6 months. If you have a car or a house, you can also provide a real estate certificate and a car driving license.

4. Applicants must have a fixed place of residence and be able to provide proof of permanent residence, daily payment receipts, etc.

5. Applicants must have good personal credit.

As we all know, the requirements for applying for a credit card from China Merchants Bank are that you are over 18 years old, have a stable job and income, have a qualified personal credit report, etc.

6. Applicants for China Merchants Bank credit cards must have certain financial ability and no bad credit record. Applicants should be between 18 and 60 years old (overseas applicants are between 25 and 60 years old).

2. Basic conditions for Everbright Bank credit card:

1. Credit card applicants must be between 18 and 65 years old (inclusive), have full capacity for civil conduct, and be legally stable Income and personal credit report in the People's Bank of China are in line with China Everbright Bank's card issuance conditions.

2. A valid original ID card must be provided upon request (including but not limited to domestic resident ID card, foreigner’s passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, etc.).

Which bank offers the easiest and fastest credit card processing?

The first recommendation is China Merchants Bank. It is the best credit card that I personally use. The card is issued quickly and the limit is high.

Attached are the credit card information of major banks:

1. The four major commercial banks: Bank of China is very average, with low limits and few points. The activities are all about buying a few thousand for free in a certain shopping mall. , has no practical significance. Online banking is inconvenient. Repayment is convenient.

China Construction Bank has a lower limit, but it is easier to apply for a gold card. Others are the same as above.

There is no need to apply for Agricultural Bank of China. I applied for it for several months, but none of the branches submitted the form. It is a bank that does not pay much attention to the credit card business.

Industrial and Commercial Bank of China is worth applying for. The limit is high and the limits are superimposed. For example, if you apply for a card with a limit of 10,000, and then apply for another one with a limit of 10,000, then your The limit is 20,000. This is the only bank in China that offers overlapping credit limits. In addition, online banking is great and you can directly top up 5k at a time. Repayment is convenient.

P.S: I wonder if you are from Beijing? If so, do it now and you’ll get a free shield.

2. Banks with good credit card development: China Merchants Bank is the first to recommend. It has a high limit and is easy to apply for a gold card. The most important thing is that the points activity is very good and other activities are often launched. In addition, online banking is very convenient and easy to use. Repayment is quite convenient.

Secondly, China Guangfa Bank has the same reason as above, but there are fewer activities, so you need to pay attention to the website. Repayment is quite convenient.

3. Excellent small banks: I have to say CITIC Bank. I don’t know how it is in other regions. Beijing often launches 9 yuan movie-watching activities (you can spend 6 times). All the movies I have watched in the past 2 years are It’s 9 yuan (original price ranges from 70-110), and there are many other activities, so it’s worth checking out. However, the credit limit is average, repayment is inconvenient (it’s better if you have a card), and online banking is not convenient either. But the cards are all beautiful. It is important not to apply for a CITIC Express card, as this does not waive the annual fee.

China Everbright Bank has a high credit limit, and you can apply for a credit limit adjustment in half a year, which is usually doubled. The best thing is that it is a great way to give out points, often times the points, and online transactions also count as points, making it the only one in China. Repayment is inconvenient, online banking is quite convenient, but it’s not very comfortable for a one-time payment of 300 yuan.

4. Other banks: Bank of Communications, online banking is convenient and repayment is convenient, but there are no other advantages.

There are occasional activities for people's livelihood (milk delivery and the like), but there are no other advantages. With local household registration, the credit limit is high.

Shenzhen Development Bank has no advantages, so I canceled my card.

Xingye has no other advantages in dealing with platinum card transactions.

China has no advantages.

Bank of Beijing, platinum card is easy to apply for.

Which bank makes it easier to apply for a credit card?

1. The ones with the lowest threshold are of course local small commercial banks. Among the big banks, Guangfa is the easiest to apply for. However, as long as you can issue a work certificate, you can ignore all conditions. If you can't get it, you can use your work permit. If you still don't have it, then you won't be able to apply. Unless your employer is good, you can apply with your ID card. If you want a larger quota, you can also consider Guangfa and China Merchants Bank. College students generally apply to China Merchants Bank. It can go up to 5,000, and GF can go up to 10,000. In fact, CCB is the best, with very thoughtful and user-friendly services, but it is relatively difficult to increase your credit limit.

2. The best way to apply for a CCB credit card online is to keep applying and stick to it. Apply for an IC card first, then apply for IC gold after rejection. Apply once a week. If the cycle continues like this, apply for these two cards. If you apply back and forth 2-3 times and still not approved, go to China Construction Bank to apply for a debit card and open a KSY shield and continue. Apply.

1. Bank of Communications Credit Card

The threshold for Bank of Communications credit card approval is very low. You only need to provide your ID card and your work certificate (i.e. work permit, badge, or add-in card). Proof of income stamped with the official seal of the unit is also acceptable, or even the original business card and a copy of the pass of the public institution are acceptable). The overdraft limit is not very high. Of course, the information you provide is more comprehensive, and the limit will be much higher if you prove that you own real estate, cars, etc. Bank of Communications's interest-free period for consumption is relatively long at 56 days. In addition to the YONG-POWER card, you can apply for installment repayment for a single purchase of more than 1,500. There is no free SMS reminder function for transactions, and there is a transaction reminder SMS service of 3 yuan per month. Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan, you will also be charged 10 yuan. Points: one dollar for one point, easy to accumulate, no points for withdrawing cash.

2. Minsheng Bank Credit Card

The requirements for card approval are higher than those of Bank of Communications, and if you are not a resident of the city, the card will not be approved at present. Some discriminate against people with rural household registration, and the overdraft limit is higher than that of other banks. It is slightly higher. The interest-free period for consumption is up to 50 days. There is no handling fee for withdrawing cash from local Minsheng Bank teller machines. The bill date and repayment date of Minsheng Bank can be set by yourself. Points redemption is at a medium to upper level.

3. China Merchants Bank Credit Card

The threshold for card approval is not high. It is the number one credit card brand in China. Its card issuance is second only to Industrial and Commercial Bank of China. Its overdraft limit is relatively higher than that of Bank of Communications. High, lower than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on your property and income. The longest interest-free period for consumption is 50 days. Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. The online mall is quite good, and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card, and the credit card has a good reputation. Let me tell you here that China Merchants Bank has a cash installment payment method. It is said that many cardholders have raised their balance through cash installments.

4. Everbright Bank Credit Card

The threshold for card approval is very low. My Everbright Credit Card did not ask me for proof of employment or property. The overdraft limit is very high, which is basically better than any other credit card. Banks are all high-end, and the longest interest-free period for consumption is 50 days. It has an automatic installment function. After the automatic installment function is activated, every time the card is swiped, regardless of the amount of the card, the payment will be automatically divided into 12 installments, which is more humane. Cash withdrawal: The handling fee is 1%, with a minimum of 3 yuan per transaction, which is the lowest among all other banks. Free text message reminder: A text message is automatically sent to your mobile phone for every transaction, and there is no charge.

That’s it for the introduction of which bank can apply for a credit card quickly.