1. China Merchants Bank: At present, as long as they have a permanent job, they can handle it with a copy of their ID card and a work certificate (a copy of the front of the access card or a work certificate for the start of the company, etc.). It is better to go directly to the direct sales office, which is more convenient. At present, China Merchants Bank offers many kinds of cards, so you can choose according to your own preferences.
2. China Construction Bank: At present, CCB in some areas of China requires applicants to pay 4 yuan (especially in Shanghai). Just an ID card. It is also recommended to go to direct sales.
3. Bank of Communications: At present, there are three credit cards of Bank of Communications-youth card, standard card and co-branded card
1) Youth card: If you graduated in 23, have a college degree or above recognized by the State Education Commission, have a regular job (have passed the probation period), and are between 18 and 3 years old, you can handle it only with your ID card. Can be handled at the counter or direct sales. Generally, the credit limit of this card starts at 5,, and the cash withdrawal limit is consistent with the credit limit, which is more cost-effective for young people.
2) Standard cards: such as Phoenix Carp Card, recently launched Expo Card, etc. Such a card requires that the applicant must be at least 18 years old, but not more than 65 years old; Have a regular job with a pre-tax annual salary of at least 24,; When applying, you must submit a copy of your ID card, proof of income and proof of residence. If you are in Shenyang, you must also have a real estate license. In addition, it is better to pay for the application now. You can submit materials in direct sales, because at present, the counter no longer accepts personal submissions, unless you use a card (there are other bank credit cards, and you have held the card for more than 6 months) or add a card (you already have a Bank of Communications credit card).
3) Co-branded cards: At present, Bank of Communications has launched N kinds of co-branded cards, such as Suning Card, Wal-Mart Card, Jinjiang Star Card, Aviation Secretary Card, etc., and also launched their own co-branded cards for different regions. Generally, this kind of card can be handled in direct sales or in stores like Suning and Wal-Mart. The information submitted is generally ID card and income or work certificate. 4. Industrial and Commercial Bank of China: There are not many kinds of credit cards in this bank, so it is generally not easy to handle them. Because some fees are high and the service is not very good.
5. Bank of China: The card design is OK, and the application materials are similar to those of other banks.
6. Agricultural Bank: I seldom consider the credit card of Agricultural Bank, which is not very beautiful.
7. Other small banks:
1) Shanghai Pudong Development Bank: There are not many kinds of cards, but some cards are not bad. The McDougall introduced before still sounds beautiful.
2) China CITIC Bank: Some card faces are OK, and there are QQ cards. However, some charging items are very expensive, and it is more difficult to sell cards.
3) Minsheng Bank: There is a true love card specially for women, and the card is transparent.
4) Industrial Bank: At present, there are many kinds of cards. I recommend a Garfield card. The customer service of Industrial Bank is better.
In addition, if you want to apply for a credit card, you must ensure that your credit record must be good, at least the previous record of arrears is only one-level late payment. If it has reached level 2 late payment, then there is little hope of handling the card generally.
I also need to remind you that even if some bank credit cards are not activated, as long as they are not swiped for a certain number of times in the first year, an annual fee will be charged in the second year. Therefore, when you apply for a card, don't listen to the introduction of those sales or counter personnel. You'd better call the customer service of the credit card center yourself to ask.