Credit cards are not recommended for the four major banks for the following reasons:
1. In terms of credit limits, the credit card starting limits of the four major banks are relatively low, not as high as those of China Merchants Bank and Bank of Communications.
2. From the aspect of card processing: the credit cards of the four major banks all have annual fees. Sometimes if you don't use it for a long time, the annual fee is likely to be overdue, causing unnecessary trouble to yourself. Credit cards such as China Merchants Bank are free of annual fees, so don't worry about the problem of overdue annual fees.
3. From the perspective of preferential activities, there are few credit card preferential activities of the four major banks, while credit cards such as China Merchants Bank will have many discounts, which can bring many benefits to their own consumption.
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Personally, I think China Merchants Bank's credit card is easier to use, with no guarantee and no local account. The online banking system facilitates repayment; Except China Bank, China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank, China Merchants Bank may have the largest number of branches among all commercial banks. Most large and medium-sized cities have branches.
Second, the bank's credit line should consider not only your personal income level, but also your personal credit and education, as well as the nature of your work and actual needs; The basic principles for banks to approve credit cards and credit lines are as follows:
1, consider your actual spending power.
2. consider your solvency.
3. Article 2 takes precedence over article 1.
3. Under normal circumstances, the interest-free repayment date of the bank is 50-56 days;
Fourth, due to the imperfect credit system in China, the four major commercial banks have strict requirements for credit card applicants. However, if you apply for some credit cards from local banks and accumulate some credit card application cards over a period of time, the approval of these four people may be higher. You know, whether you pass, the owner or China UnionPay card, if your application fails twice in a row, it will be very difficult for you to apply for the third time.
However, it is very important to apply for some local banks, such as Guangfa and Minsheng, and you need to consider whether it is convenient to repay in the future. If you can't find the bank counter, paying back the money through the bank will delay the time and cause a bad repayment record, which is very unfavorable to you.
6. If the personal conditions are not very good, don't ask for too high a credit limit for the first application. Generally, after three months, the bank will adjust the credit line according to your repayment and actual use in the first three months. The principle of applying for a credit line is: enough is enough.
Are the credit cards of the four major banks easy to handle?
Looking at personal qualifications, the four major credit cards with excellent personal qualifications are easy to handle. If the personal qualifications are average, the chances of getting a card will be reduced.
The four major banks refer to the four major state-owned banks: China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank and China Bank, which are the four most influential banks in China. There is no essential difference between the four major banks and other commercial banks. The biggest difference lies in the influence of banks themselves.
The credit cards of the four major banks are not easy to handle. Why do people always want to get one? This is because the credit cards of the four major banks have the following advantages:
(1) The credit cards of the four major banks can show their identities, which is the proof of users' asset strength.
(2) Since you have proved your asset strength, it means that you are a high-quality customer with many assets and stable income. This makes it easier than others to apply for credit cards that are not the four major banks.
(3) The four major banks have many business outlets. Friends who have handled and used credit cards know that credit card applications and some businesses need to be handled at bank outlets. At present, in domestic cities, the four major banks have the largest number of business outlets and the densest distribution.
(4) The credit card business of the four major banks is very flexible, and even if users occasionally make mistakes, they will not directly reduce their cards.
(5) The loan interest of the four major banks is often lower than that of other banks. For those who need loans, they need to pay less interest to the bank.
Is it difficult to apply for the credit cards of the four major banks? Let's first look at the credit card application conditions of the four major banks.
Many applicants will give priority to the credit cards of state-owned banks when applying for credit cards. Compared with other banks' credit cards, the credit cards of state-owned banks tend to have higher quotas and more concessions. Many applicants have asked, is it difficult to apply for credit cards of the four major banks? Let's take a look at the credit card application conditions of the four major banks first!
Is it difficult to apply for the credit cards of the four major banks?
The four major banks refer to the four major state-owned banks, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank and China Bank. The basic conditions for credit card applications of the four major banks are the same: the applicant 18 years old and has full capacity for civil conduct; The applicant's credit information is spotless and the debt ratio is low; The applicant has a stable source of income and a proper job; The applicant meets other conditions of the Bank for handling cards.
Although most card handlers can meet the basic card handling conditions of the four major banks, they want to improve the card handling rate. Applicants also need to open an account at Shenka Bank, where they have some deposits or other economic contacts. It is best to apply for a salary card at Shenka Bank and have wealth management products at Shenka Bank.
Because the four major banks have abundant funds and generally high-quality customer groups, they have stricter requirements for ordinary card holders, so they will be stricter than other banks in approving credit cards. Therefore, it is really difficult for the four major banks to apply for credit cards.
If you are a small white user who has never done credit business before and want to apply for a credit card, I suggest you try it from some state-owned banks with lower card threshold. For example, Bank of Communications has a relatively low threshold for handling cards.
The above is "Is it difficult to apply for a credit card in the four major banks?" I hope I can help you!
The easiest credit card to apply for in the four major banks! I want to apply for a card. Look here!
Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.
1, China Industrial and Commercial Bank: Cosmos Constellation Credit Card.
Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!
In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.
2. Bank of China: Taobao Credit Card
In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend any amount for 5 times.
3. Agricultural Bank: Upgrade mom's credit card beautifully.
This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.
You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.
4. China Construction Bank: Global Hot Purchase Card
This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.
Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.
The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!
Among the four major banks, which bank will have a higher credit card limit?
1. The average amount of ICBC is over 40,000, which is the highest among the four major banks. Advantages of China Industrial and Commercial Bank's credit card: the bank with the most outlets; Support Alipay, unlimited times; There is no handling fee for local cash withdrawal, and the amount of international cards of different brands is independent; Disadvantages: the bidding threshold is too high and the quota is too low; Poor service attitude (especially in branches), there is no 800 telephone, and 400 is not for individual users; Summary: It is suitable for local commercial banks without joint-stock system and friends who often like to withdraw cash from overdrafts.
2. In addition to personal income level, the bank credit limit should also consider your personal credit and education, as well as the nature of work and actual needs; Basically, the basic principles for banks to approve credit cards and credit lines are:
Consider your actual spending power.
2) Consider your repayment ability.
3) Article 2 takes precedence over Article 1.
3. Usually, the interest-free repayment date of the bank is 50~56 days;
Due to the imperfect credit system in China, the four major commercial banks generally have strict requirements for credit card applicants. However, if you apply for some credit cards from local banks first, and then apply for these four cards after accumulating some credit lines for a period of time, you will be more likely to be approved. You know, whether it's Vias, Master or China UnionPay card, if you have failed to apply for it twice in a row, then you think it will be very difficult to apply for the third time in 1 year.
However, when applying for some local banks, such as Guangfa and Minsheng, it is very important for you to consider whether it is convenient to repay in the future. If you can't find the bank counter for cross-bank repayment, it will delay the time and it will be very unfavorable for you to have a bad repayment record.
6. If your personal conditions are not very good, don't ask for too high a credit limit when applying for the first time. Generally, after three months, the bank will adjust the credit line according to your repayment and actual use in the first three months. The principle of applying for a credit line is: just enough.
7. Generally, undergraduates who have a fixed occupation and have worked in this unit for two years can easily get a quota of 3-5,000 yuan for the first time, and graduate students can get a gold card, that is, a quota of more than 1000.
This is the end of the introduction of the four major banks' credit cards. What are the four major banks' credit cards? I wonder if you have found the information you need from them?