Many college students want to get a credit card after graduation, which is also convenient for them to use it better at work. In fact, it is relatively simple to apply for a credit card. You only need to bring your ID card and personal property proof ability, so you can handle it better. However, when people choose to apply, they are also quite entangled, because many people are not very familiar with different types of credit cards. Personally, I suggest you apply for a credit card from China Merchants Bank. Because the credit card of this bank is very convenient, and the main business of this bank is more reliable.
China Merchants Bank's credit card is very convenient.
Many people also think that China Merchants Bank's credit card is very convenient for college students, and many people know this bank better. Because my personal savings card is also handled at China Merchants Bank, the situation of this bank is more reliable. It is suggested that many college students also go to this bank to apply for credit cards, so that they can find the ones that suit them. After all, it is more important to apply for a credit card.
Choose different types of credit cards
Some college students need to look at different types of credit cards in advance if they want to know more. Because each bank's credit card is different, you can't choose blindly. If you want to choose different types of credit cards, you need to find some smarter big banks. It is very convenient for these big banks to handle credit cards, and there will be no problems later. After all, credit cards also bring convenience to people and facilitate people to make better investments.
It is easy to apply for a credit card.
After applying for a credit card, college students must control their consumption desire and try not to overdraw too much. Otherwise, it will also lead to some bad situations and bring great pressure to yourself in the future. Everyone thinks that it is relatively simple to apply for a credit card, and people just need to know clearly in advance. In this way, you can go to the bank quickly and then wait for a while.
I want to apply for a credit card.
You can complete the credit card application online through Bank of China Mobile Banking, China Bank Credit Card WeChat official account, Colorful Life APP, online banking and Bank of China official website (). If there is a bank outlet in China nearby, you can also bring your ID card and other valid documents, as well as proof of economic source and income, and fill out an application form at a bank outlet in China to apply. Financial proof includes real estate, automobile output, salary certificate (detailed in the last six months), complete tax payment certificate, employment certificate (official seal or financial seal of the company is required), etc. , subject to the counter.
The above contents are for your reference. Please refer to the actual business regulations.
I want to apply for a credit card. What credit card is good?
Although the basic conditions for major banks to apply for credit cards are similar, in fact, the threshold for banks to apply for credit cards will be slightly different. For example, the four major state-owned banks usually have strict audits. If the personal qualification of the first credit card user is not particularly good, it is suggested to avoid the four major banks and choose a small commercial bank to handle it.
1, Bank of Communications credit card. For white households, the first credit card suggests applying for a Bank of Communications credit card. Bank of Communications credit card applications are generally rejected once a second, and the card amount is generally 5000 to 1.5 million. For example, the Y-POWER card of Bank of Communications is a credit card issued for young people, which is more suitable for people with ordinary qualifications to apply. According to the introduction of users who have handled this card, the card issuing target is mainly young people (under 30 years old), which is suitable for people with general qualifications to apply. Bank of Communications has a high pass rate of Y power card.
2. China Merchants Bank Credit Card. China Merchants Bank is the fastest bank to withdraw cash from credit cards. China Merchants Bank's Young card is also a relatively easy credit card, which is an exclusive card for young people. White households who have just joined the work can apply as long as they are 18 years old and have a formal internship contract.
3. Shanghai Pudong Development Bank Credit Card. Shanghai Pudong Development Bank has a youth card, which, like the Y Power Card of Bank of Communications and the youth card of commercial banks, is a credit card for young people, making it easier to apply.
4. CITIC Bank Credit Card. The credit card application threshold of CITIC Bank is not high. For example, CITIC Taobao co-branded card is a credit card that many users who like Taobao shopping will choose. If you like online shopping, you can try to apply.
5. China Everbright Bank Credit Card. The standard credit card of China Everbright Bank is a low-threshold credit card, which is relatively easy to apply for.
Tips for novices to handle credit cards
1, it will be more convenient to choose a bank with more outlets to handle business; For example, China Merchants Bank and Bank of Communications have many outlets, and the threshold for handling credit cards is low, which is more suitable for users who handle credit cards for the first time.
2. Choose the credit card type that suits you. There are many types of credit cards in banks, and the one that suits you best is the best. Applicants should choose the type of card according to their own needs. Those who like online shopping can choose CITIC Taobao co-branded card, and those who like traveling can choose aviation co-branded card.
3. Choose the card level that suits you. Credit cards generally have three grades: ordinary cards, gold cards and platinum cards. The higher the card level, the higher the requirements for applicants. If your own conditions are average, it is recommended to apply for an ordinary card.
I want to apply for a credit card. Do you have any recommendations?
What I recommend most is the credit card of China Merchants Bank, and I can also apply for the credit card of Bank of Communications.
Strictly speaking, you can apply for a credit card from any bank, because the basic functions of credit cards are very similar, and there is no essential difference between credit cards from different banks. If you have a soft spot for a bank, you can apply for a credit card from the relevant bank. If you haven't used credit cards before, I personally recommend applying for credit cards from China Merchants Bank and Bank of Communications, because these two banks are relatively friendly to new users.
1. China Merchants Bank Credit Card.
China Merchants Bank is a relatively large commercial bank, and credit card business is the main business of China Merchants Bank. It is precisely for this reason that all kinds of credit cards of China Merchants Bank basically cover all credit card functions on the market at present. If you are young, I recommend you to apply for the Young card of China Merchants Bank. This card is specially designed for young people, and there will be various points deduction activities.
Second, the credit card of Bank of Communications.
The credit card of Bank of Communications is not as easy to use as that of China Merchants Bank, but it is particularly friendly to newcomers and has a high credit line. For most white households, many white households can get a credit line of about 654.38 million yuan when applying for the Bank of Communications credit card, which is significantly higher than other banks' credit cards. The credit card installment of Bank of Communications is more flexible and more suitable for young people who like overdraft consumption.
3. Credit cards from other banks.
Compared with the credit cards of the above two banks, the credit cards of other banks also have their own characteristics. Personally, I don't recommend users to apply for a credit card from China Agriculture and Industry Construction. Although China Agriculture and Industry Construction is the four major banks we often mention, the credit card quota of the four major banks is generally low, and the use of credit cards is relatively rigid. Personally, I prefer to use relatively flexible credit cards. Generally speaking, there is no essential difference in applying for credit cards from different banks. You can apply according to your own preferences.
This concludes the introduction of asking for credit cards and credits. I wonder if you found the information you need from it?