At present, all kinds of state-controlled banks and joint-stock commercial banks, whether national or regional, are actively encouraging consumers to apply for credit cards. They are also improving their service efficiency as much as possible in order to better serve consumers. Of course, because the standards of each bank are different, consumers may feel that some banks' credit cards are not easy to handle.

Generally speaking, China Construction Bank, China Agricultural Bank, China Bank and China Industrial and Commercial Bank have higher requirements for applying for credit cards and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks, and regional banks are more efficient than national banks. For example, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and China Guangfa Bank have higher card handling efficiency and higher credit line approval.

In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submit must make the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards and the higher the credit card limit will be. Therefore, Bian Xiao here gives you some suggestions so that you can apply for a credit card as soon as possible:

1. No matter which bank you handle, the more detailed your personal information is, the better. Especially materials that can prove your financial situation.

You can apply for a credit card online, thus saving the waiting time in the business hall.

3. If you want to apply for a large credit card, it is more troublesome to apply in the four major state-owned banks, so you can consider other banks.