Question 1: Which credit card is easier to apply for? It is relatively easy to apply for: Communications, CITIC, Guangfa, China Everbright, etc.

Generally, documents proving your ability to repay stably are required, such as employment certificates, income certificates, etc. When a bank lends you money, it must be reviewed See if you can afford the repayments.

The credit card limit is given by the bank based on the comprehensive score of the information submitted by the applicant. The reference items include age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, For personal financial assets and other items, one score segment corresponds to one result, from not approving the card to approving the card, and from low limit to high limit. After using the credit card for a period of time, you can also apply to increase the limit.

Question 2: Is it easier to apply for a regular card or a gold card when applying for a credit card? All first-time credit cards are regular cards. It is impossible to apply for a gold card for the first time.

Question 3: When applying for a credit card online, which bank is easiest to approve? Construction! I just applied for it! But he printed out an information sheet, filled it out and mailed it to him! It is recommended to go to the counter! ! ! The risk of leaking personal information online is too high!

Which bank is the best to apply for a credit card online? Nowadays, in addition to applying for a credit card at the bank counter, you can also apply online by yourself. Applying online is simpler and takes less time to process. So, which bank is the best to apply for a credit card online?

It is understood that the requirements of various banks for applying for a credit card online are the same as those for applying for a credit card through other methods. But if the applicant is a friend who applies for a credit card through online invitation, the review will be faster.

Which bank is the best to apply for a credit card online? Some banks require the applicant to bring their ID card and credit card to the bank counter to go through the activation procedures before they can use it. However, China Construction Bank and Industrial and Commercial Bank of China stipulate that as long as the credit card is applied through the online banking shield, an interview is not required.

It should be noted that the limit for applying for a credit card online is generally lower. Especially for friends who are applying for a credit card for the first time, since the bank has no information for reference, the credit limit will not be too high. However, cardholders can request to increase the limit after using the credit card for a period of time.

Question 4: Which credit card is best to apply for? Bank of Communications, China Merchants Bank, and Minsheng Bank are all easy to apply for.

Basically, you can apply as long as you bring enough information

If you are applying for a card for the first time, you will need an ID card and proof of income. You can apply for a card first, and then wait for the card to be obtained before applying for a card, which will be easier.

The following information is available for reference:

CITIC Bank Credit Card

The best thing to apply for is: CITIC Bank Taobao Card can be purchased by binding the customer’s Taobao account. Significantly improve the efficiency and success rate of credit card approval by card issuing banks when checking customers' credit. If the applicant wants a larger credit card limit, he should try to submit more comprehensive personal information, such as bank deposit slips, work certificates or business cards in the past six months. In addition, China CITIC Bank's credit card approval speed has always had a good reputation among cardholders. According to my test, CITIC Bank's online credit card applications usually receive an acceptance text message from the bank within 24 hours, which is quite efficient.

China Merchants Bank Credit Card

The best thing to apply for is: College students who have just entered society are often rejected by banks when applying for credit cards due to factors such as low assets and unstable jobs. However, young people People’s consumption power and economic growth potential are factors that card issuers cannot underestimate. The YOUNG Card is a credit card product launched for this group of people. As long as a copy of the cardholder's undergraduate degree or above is submitted when applying, users can quickly get the credit card. For young people who have just started working, having a YOUNG card as their first credit card is a good choice.

The best way to apply for a CITIC Bank credit card is: CITIC Magic Card is a credit card product issued for married women. This card not only provides women’s health insurance and parent-child exclusive insurance, the cardholder You can also enjoy 3 times the points return on your own and your children’s birthdays. In addition, women are the most valued group in the credit card industry, and the number of female credit cards issued is often the most important performance indicator for each bank.

Therefore, it is easy for married ladies with good credit to apply for CITIC Magic Credit Card. If you can also provide a strong enough asset certificate, the credit limit granted to you by CITIC Bank will definitely give you a little surprise. .

Everbright Bank Credit Card

The best thing to apply for is: Many credit card experts have an Everbright Bank credit card in their hands. The reason is very simple. The installment consumption fee of Everbright Credit Card has always been The lowest in China. Secondly, the new card limit and approval success rate of China Everbright Bank Credit Card are pretty good among card friends. If you have had the experience of installment consumption or have credit cards from other banks, it will be easier to get twice the result with half the effort by providing a copy of the credit card you already hold and the consumption repayment record when applying for a credit card from China Everbright Bank.

China Construction Bank Credit Card

The best thing to apply for is: As one of the four major state-owned banks, China Construction Bank is relatively generous in credit card approval. In addition to this credit card co-branded with eLong Travel. In addition to the credit card functions of CCB Dragon Card, it is also a membership card of eLong.com. Therefore, when China Construction Bank examines users' qualifications to apply for a card, of course there are some factors involved that do not look at the monk's face but the Buddha's face. Of course, if you can prove in your card application materials that you often travel for business or tourism, then the card issuing bank will be even more embarrassed to embarrass its prospective customers.

Bank of Communications Credit Card

The best thing to apply for is: Bank of Communications China Eastern Airlines Credit Card is a credit card tailor-made for airlines and business travelers. Simply put, this card is mainly launched for cardholders who travel frequently, and its main value-added service is that you can exchange points for miles. Therefore, when applying for a China Eastern Airlines card, cardholders are advised to state that they often travel for work reasons during the credit investigation process. This way, the bank will basically not have any other stringent requirements on the applicant.

Question 5: When applying for a credit card for the first time, which bank has a higher limit and is easier to apply for. I checked online and found that it is easier to apply for smaller stock-price banks. Because they are small banks, they pay more attention to expanding their market share. The most effective way for them to attract customers is to increase their overdraft limit. Bank of Communications and China Merchants Bank are relatively easy to apply for. Among the three major banks, ICBC is the easier to apply for. Overdrafts generally start at 5,000 yuan. There are also people with incomes less than 2,000. However, the interest rate for overdrafts is very high, usually 18%, that is, the daily interest rate is 50%. However, all shopping expenses are free. The interest-free period for consumer shopping overdrafts is 20-56 days. Please adopt!

Question 6: Which bank is the easiest to get a credit card approved? CITIC is the second largest card issuer in China, and its approval is relatively strict

If there are branches in your city, I suggest you Apply for credit cards from Shenzhen Development Bank, Guangfa, and Minsheng. The thresholds of these banks will be slightly lower

Credit card application documents

Generally, the application requirements are relatively close, and the specific requirements vary according to each bank. actual operation of the regulations.

Each card-issuing bank has its own card-issuing standards, which generally include the following:

1. Over 18 years old

2. Have a fixed occupation and Urban and rural residents with stable income and whose workplace is usually in the place of permanent residence.

3. Fill in the application form and sign in the "Applicant's signature" area.

To apply for a credit card, you need to provide the following information:

1. Copy of identity document, work certificate, income certificate, etc.

2. If you can also provide bank deposit receipts, real estate certificates, degree certificates, etc., your application approval process will be more convenient and faster.

3. If you have a non-local household registration, an overseas personnel is applying for a local job, or an active-duty military officer applies for a credit card in his or her own name, some card-issuing banks may require you to present a temporary household registration issued by the local public security department or a relevant Certificate issued by the department (including work certificate).

4. Other conditions required by each card issuing bank.

I wish you a successful application and happy card use

Question 7: Which bank’s credit card is the easiest to apply for? Hello, the basic functions of credit cards are roughly the same, such as spending first and repaying later; using the cash advance function; choosing the minimum repayment business; online shopping; installment shopping, etc.

If you have no special requirements for credit card consumption, you can apply for any one. If you need to learn more, you can click this link ccclub.cmbchina/CCPRODUCT/newcustomer.aspx

to learn more about China Merchants Bank Credit Card.

Among all the credit cards of China Merchants Bank, the YOUNG card youth version is the best to apply for, because it was only launched in 2010 and is aimed at college graduates and fresh people under the age of 30. It is relatively easy to get approved. It is recommended that if you are applying for the first credit card in your name at China Merchants Bank, you can give priority to applying for the YOUNG version. In addition, China Merchants Bank does not limit the number of cards under the same account. They all have exclusive quotas. After being approved for the YOUNG version, as your needs increase - you need to go out to travel or eat, buy a car, etc. "Easy car purchases", point cards that need to be redeemed for World of Warcraft when playing games, etc. - you can apply for other China Merchants Bank credit cards. Generally, if you already hold a card and apply for a "second card" from China Merchants Bank, you will be approved (except for platinum cards and unlimited cards, which are mainly invited by the bank).

The most important conditions for applying for a China Merchants Bank credit card are that you are 18-60 years old and have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other Documents proving your financial resources will help us better understand your personal situation and determine your credit limit. Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card; 2. Proof of employment: it can be issued by the unit where you are employed. Original work certificate (please indicate the specific company name, department, position and income, and add the company seal or personnel seal), or a copy of the original work certificate/plate that has been verified by the promoter and marked; 3. Proof of financial resources : It can be salary records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other information that can prove your financial level. . Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

Under normal circumstances, the fixed limit range for regular cards is ￥1,000-￥10,000 yuan, and the fixed limit range for gold cards is ￥10,000-￥50,000 yuan. The specific limit is subject to the audit results.

Question 8: Which bank is better for applying for a credit card? What are the advantages and disadvantages of each bank card?

The most convenient one is Guangdong Banking Bank, which does not require the submission of any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, someone at the card center will contact you within 15 working days to check your credit, and the result will be out

Guangfa Card has powerful functions, a very favorable points policy, and many discounts. , SMS reminders are timely, online payment is relatively mature, and it supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary. . . .

The best one is China Merchants Bank. It has powerful functions, many card types, high efficiency, and high-quality services. You can adjust the consumer credit limit at any time. It has powerful online banking, lifetime points system, and the latest card loss protection. plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good

If you often stay in hotels for pre-sale rights, a Bank of China card is the best choice. The acceptance rate of merchants across the country is high, but the Bank of China credit card system is still at the stage of 10 years ago. It has weak functions, poor services, and low efficiency. The repayment limit cannot be restored in time. Annual fees are rarely waived. It is recommended to wait and see. The next best thing is to have a card from the other three major state-owned banks, which is more convenient when traveling. I have never dealt with the Agricultural Bank of China and the Industrial and Commercial Bank of China. It is recommended to use China Construction Bank, which has many branches, high application efficiency, good points system, many preferential activities, high merchant acceptance rate, password + signature consumption limit can be adjusted arbitrarily, and it is safe and free. SMS reminders are charged on a per-item basis

HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. Go apply now

The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

CITIC has just launched the World Cup card, and there are many activities. Go check it out: it does not support online payment, and the handling fee for cash withdrawals is the highest. Points are only valid for 1-2 years and cannot be exchanged for anything. However, the interest-free period is up to 56 days, text message reminders are free, and you can check consumption details through mobile text messages

The Minsheng Card is still good, and online payment will be supported soon. Moreover, the handling fee for cash withdrawals is free compared to other banks’ fees, which are only 1%. You can get one for emergency cash withdrawal

Shanghai Pudong Development Card: approval is fast, online banking is good, recent promotions are generous, points are valid for 2-4 days The year is not very good, but the things that points can be exchanged for are good

China Merchants Bank, leading recruitment, five-layer protection, what do you think? I strongly recommend China Merchants Bank

Question 9: Which bank’s credit card is best to apply for if you have a job? It does not require social security. ICBC’s ultra-low limit credit card*** is only for those who have no job. If you want to apply for a card by card, if you have a job, you can get it wherever you go. If you want it quickly, go to CITIC. The card is approved in three days, but it’s not easy to use. If you want a higher limit, go to Guangfa, it’s okay

Question 10: Which banks can apply for credit cards online? Which one is easy to apply for? Currently, all banks have basically opened the business of applying for credit cards online. As for which one to choose, it depends on the actual needs of the individual.

Application steps:

1. Log in to the bank's official website and select "Apply for a Credit Card" or "I want to apply for a card".

2. On the next page, various introductions to credit cards will appear. Especially for individual users who don’t know what kind of credit card to apply for, they can consult online customer service themselves, or of course call the bank’s customer service.

3. After confirming the type of credit card you choose, you can choose to open a card.

4. Read the credit card usage agreement carefully, and finally click the box on the left before agreeing below. Click "OK".

5. According to the requirements of the bank, fill in the personal information truthfully or install the necessary controls. After submission, the task of applying for a credit card online will be completed.

Notes

It is not recommended to apply for a personal credit card on a public computer. When using a personal computer to apply for a credit card, make sure the computer has the necessary security software.

After applying for a credit card, the bank will contact you through customer service. There are generally two situations: the bank requires you to bring relevant documents to the business hall to apply, or bank staff will come to help you apply. As long as your identity is verified correctly and you meet the conditions for opening a credit card, then your online credit card application will be considered successful.