Applying for a credit card online is convenient and fast. You only need to fill in the application information and submit it online, which saves time and effort. Many cardholders like to apply for a card through this method. However, applying for a credit card online is not easy. It mainly depends on the application channel and the card issuing bank. Let’s learn about it together.

1. To apply online and apply for a credit card easily, find the right channel to apply for the card:

It is understood that there are many channels to apply for a credit card online, one is the official channel, that is, the official website of the credit card issuing bank, The credit card official account of the issuing bank, etc.; one is the third-party channel for bank cooperation, such as Alipay, WeChat, etc. Here we introduce Alipay to apply for a credit card.

After all, Alipay can not only apply for a card online, but the user’s Zhima credit score is also helpful for applying for a card. This is because when applying for a credit card on Alipay, some banks also authorize Zhima points. If the applicant relies on Alipay for food, clothing, housing, transportation and entertainment, and the Zhima points are 600 or above, it is easier to apply for a card through this method.

However, not all credit card online applications are easy to apply for, and it depends on the card issuer.

2. Introduce several banks that make it easy to apply for a card online:

1. Industrial Bank:

The threshold for applying for a card at Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for the card, but generally you need a Sesame score of 620 or above to apply. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be over 90%.

2. China Everbright Bank:

For Alipay users with a Sesame score of 620 or above, it is easier to apply for the Everbright Credit Card on Alipay. Many cardholders reported that it can be approved in seconds. Of course You still need to choose the right card type in advance. It is recommended that you apply for the Everbright Little Yellow Duck themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.

3. Minsheng Bank:

Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, a sesame score of 600 or more is enough. Approvals are approved in seconds, especially now that the end of the year is approaching, and the approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.