What credit cards can Baihu apply for?

Baihu can apply for China Merchants Bank YOUNY card, Bank of Communications Y-POWER card, and China Guangfa Bank Sharp Card.

1. China Merchants Bank YOUNY Card This card is specially launched for young people who have just entered society. It is required to be under 30 years old and has a low application threshold. If you are a recent graduate, you must submit an application when applying. A copy of your graduation photo, certificate and work certificate are sufficient. In addition, it is also a very cost-effective card, such as up to 100% of the cash withdrawal limit, no handling fee for the first cash withdrawal every month, and you can also enjoy multiple discounts on movie watching and food with China Merchants Bank Credit Card.

2. As can be seen from the name of Bank of Communications' Y-Power Credit Card, this credit card is specially designed for young people. The annual fee is waived when you swipe the card, and the interest-free period can be up to 56 days. , 100% cash withdrawal. The cash withdrawal fees are also very favorable. If you withdraw cash within China, the handling fee is only 5 yuan. In addition, it needs to be mentioned that this card, like other Bank of Communications credit cards, has many preferential activities. For example, Bank of Communications’ special event is the most popular Friday. The application requirements are only for young people under the age of 30.

3. Guangfa Bank Sharp Card This card is also one of Guangfa’s more representative card types. If you are a friend who knows more about credit cards, you will not be unfamiliar with it. The threshold of this card is not high, and its main benefits are focused on merchant consumption. A single purchase is between 99 and 199 yuan, and 0.5% cash back is provided for daily consumption in department stores, supermarkets, and restaurants. For single purchases above 199 yuan, 1% cash back will be given on daily purchases in department stores, supermarkets, and restaurants. Every Friday, if you spend over 199 yuan in a single transaction, you can enjoy 5% cash back on your purchases in department stores, supermarkets and restaurants.

1. Minsheng Bank, it is recommended to apply for Minsheng Bank’s credit card online. For example, you can apply on the Alipay Life Account. The bank relies on credit reporting and big data for approval, and the results can be obtained in 5 minutes at the fastest. In addition to meeting the basic conditions for applying for a card, applicants should preferably have a sesame score of 650 or above, and the reserved mobile phone number must be authenticated by real-name authentication and must be used for more than half a year. When choosing cards, you can consider women’s credit cards and people’s livelihood in cards. Remember, the online application also requires a successful interview before you can get the card.

2. CITIC Bank. CITIC Bank is also friendly to white accounts, especially the credit card approval limit will be relatively high, and it is easy to apply for a card online. The premise is that the applicant must have a stable job and at least You have to work for more than 3 months, and your income meets the requirements. If you have an account on another third-party platform, it is better, such as a JD account. It will be easier to apply for the CITIC Bank JD Little White Card. For other card types, you can choose CITIC Yan Card and CITIC Magic Woman Card.

Which credit card is easier for pure white households? If you don’t believe it, you will suffer a loss

With the popularity of credit cards, cardholders have tasted the "sweetness". Many pure white households have not had it in the past. Friends who have applied for a credit card also want to apply for one. It is not that simple to apply for a card as a white household, and it is easy to be rejected. So which credit card is easier for a pure white household? This is introduced to you.

1. Avoid the four major state-owned banks

As we all know, the four major state-owned banks, namely Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, and Bank of China, have relatively high thresholds for credit card applications. Not everyone is suitable to apply, especially if you are a pure white household. It is relatively easy to get started with more than a dozen domestic joint-stock commercial banks. When it comes to which credit card is easier for pure white accounts, you can start with small and medium-sized banks.

2. Find a bank with business dealings

To apply for a credit card with a pure white account, try to find your salary card or a bank with large deposits, financial products and other assets, because you If you have assets or salary flow in this bank, the bank will have a better understanding of your assets and income, and will receive extra points when approving the card, which can greatly increase the success rate of card application.

3. These credit cards are easy to apply for

The above is an introduction to "Which credit card is easier for pure white households to apply for?" In fact, there is no credit card that is absolutely easy to apply for. Applying for a card based on your own needs and characteristics is the best choice. As a pure white household, if you don’t want your credit card application to be rejected, you can apply through a credit card. The threshold is low and the card is issued quickly. It is the best choice for pure white households.

Which credit card is suitable for beginners?

The first time you apply for a credit card, the threshold may be relatively high, but you must not blindly apply because of this. You need to understand why you are applying.

For example, the application threshold for Bank of Communications is very low, but its maximum limit is 10,000. Maybe later when you have a certain financial strength, the limit of this card is still 10,000, which is very inappropriate. As a junior credit card user, I think it is necessary to apply for at least one of the three banks: China Merchants Bank, Minsheng Bank, and Agriculture Bank. Because it is easier to increase the amount, and it is very possible to increase the amount to 100,000. Maybe you applied for one of these cards in the early stage, and after many purchases, the limit can be increased a lot, which will be very helpful for you to apply for other cards later.

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The Agricultural Bank of China’s credit card application threshold is relatively high, and it has very high requirements for cardholders. Official institutions, social security, and provident funds are the basic requirements. If you have a car, it can be considered a shortcut. If you apply for an Agricultural Bank of China credit card with an initial limit of 5,000, it is very likely that the limit will be increased to 100,000 later. This depends on your contribution to the Agricultural Bank of China. China Merchants Bank is also the first choice for many young people to apply for credit cards. As long as you have a formal job and have been employed for more than three months, it is easy to apply. In this way, the initial limit may not be high, but it will not affect your ability to increase your limit. Moreover, China Merchants Bank offers many preferential activities, which are very suitable for young people who are just entering the workplace.

For more information about which kind of credit card is suitable for novices, go to: View more content

How do white households apply for credit cards? What kind of card is best for pure white households?

The first choice that Baihu has to face is the first card. Which card to apply for is very important, because there is no personal credit record in the bank. If the first card is canceled within a few days, then it is very important to apply for the second card. When you are applying for a second card, the bank thinks that you are very casual when applying for a card. In order to avoid waste, it is likely to refuse to apply for the card. So which card should you choose when applying for a card for the first time?

It is recommended to apply for Bank of China or ICBC, so why not other cards?

1. It goes without saying that it is very powerful to apply for a card using the cards of the four major banks.

2. Why is it not the Agricultural Bank of China? Some branches of the Agricultural Bank of China are very nonsense and are not local SFZ. No, it won’t work if it’s not a civil servant, it won’t work if you don’t have XXXXX. In addition, you probably don’t know the president of the Agricultural Bank of China. You can’t get a decent card at the Agricultural Bank of China for 500,000 yuan in three months. Zun Ranbai wants to get a starting limit. Let me follow you. It is said that you can apply for at least 1 million per year.

3. Why not CCB? CCB Little Platinum is actually tasteless and a pity to abandon. Dabaishan is indeed worth owning, but it is not a suitable first card. Its annual fee is too high. It is not Most people can afford it

4. Why not China Merchants Bank? Classic White is a classic. Everyone knows it and loves this card very much, but has never had the chance to apply for it. 500,000 is the standard of China Merchants Bank Golden Sunflower. Line, according to China Merchants Bank, you can apply for 100,000 classic white, but the high management fee of Golden Sunflower is not up to standard and the card application process of China Merchants Bank is not as sharp as the four major banks. Secondly, the main reason is that China Merchants Bank has a big cash installment plan. In my case Personally, the gap between the 60,000 fixed + 5K temporary CMB gold card and the 100,000 classic white card is not very big, because when your CMB fixed limit reaches 50,000, you can still apply for this card again, so you are done For Bank of China/ICBC, for the second card, you can apply for China Merchants Bank Gold Card, and then gradually upgrade to Classic White. However, if you choose Classic White, although the limit is high in the short term, I think the loss of ICBC/Bank of China is not worth the loss.

5. Why not Bank of Communications? 500,000 is also Ward’s standard. You can apply for 50,000 Bai Qilin. In my heart, I think it is the most suitable for your first platinum card. In fact, it is this Zhang Bai Qilin, Bank of Communications' most popular Friday, shopping card, gas card, needless to say, although the 1,000 annual fee cannot be waived, it is definitely worth it and you can earn it back. However, Bank of Communications has used reductions for Ward customers who meet the standard. What a black hand, not to mention your future that is not up to standard?

A good start is half the battle. A good first card will make your future journey much easier.

ICBC Baicai is believed to be the card that many cardholders dream of, whether it is benefits or annual fee policy, various benefits at ICBC and unlimited PP card

Apply for this card The threshold seems to be very high. You are a Fortune 500 executive, and you are a civil servant at the senior level or above.

ICBC itself also particularly recognizes this card and always wants to use this card to distinguish real VIPs. Customer

However, the application threshold for this card is actually very low. You only need to have 500,000, whether it is fixed deposit or financial management, talk to the financial management manager, insist on it for 3 months, and ask for a quota introduced by the banker. , get this card done.

The above routine is also applicable to Bank of China, and it can also be done in this way. ?

Can a pure white household apply for a Bank of Communications credit card?

Of course. The most important conditions for applying for a credit card are to be between 18 and 60 years old, with a stable job and income. The necessary application documents are a copy of your identity certificate and a work certificate. If you can provide other financial documents, it will be more helpful to the bank. Understanding of personal circumstances and judgment of credit limit.

You can apply in the following 3 ways:

1. Log in to the Bank of Communications credit card website, select "New Customer Application Channel" under the "Credit Card Application" column, and then select the card to apply for , register information and make an appointment to apply for a card at your door.

2. Call the credit card customer service hotline for card application consultation and registration.

3. Bring the original identity certificate, work certificate and financial certificate documents to any Bank of Communications branch in person.

How to choose your first credit card, and taboos of various banks

Credit cards are financial tools issued by banks for profit, and banks want to ensure that their funds can It is very well recovered and will be issued with reference to your personal credit report when issuing credit cards, which is a pain to the general public. The threshold for applying for a bank card is high, and repeated applications are rejected. Even if you apply for a card, the limit of your first card is pitifully low. This requires us to pay attention to methods and proceed step by step. Because each bank has different standards for card approval, the situation of applying for a card is also different. The bank also has its own general assessment standards, such as whether the credit report is overdue. It will also make appropriate reference to the credit cards of other banks that you said you have. The limit of the credit card issued to you is determined by the credit limit, which is a typical card application.

Each bank also has its own taboos. For example, China Construction Bank, Agricultural Bank of China, and Industrial Bank are particularly taboo against banks with multiple credit extensions. If you have more than five credit extension banks, it will be difficult to get a card, and Agricultural Bank of China not only If you only care about having many banks, you should avoid frequently applying for credit cards. When you apply for credit cards frequently, Agricultural Bank of China may consider that your personal debt ratio is too high and refuse to issue a card to you. Many friends who want to apply for Agricultural Bank of China credit cards will always stop applying for cards3 Months later, try to apply again. China Everbright Bank dislikes frequent credit card applications and too many banks holding cards. Therefore, if you want to apply for a large-value credit card, it does not depend on the number of cards you hold, but on the quality of your cards. If your credit report is not overdue, it is easy to apply for a large-value credit card by using your credit card correctly.

For pure white accounts, how to choose your first credit card is also particularly important. On the basis that your credit score is 0, the best card issuing banks to apply for are Bank of Communications and ICBC. ICBC is The bank with the largest number of card issuances in the country is known as the largest bank in the world. It is also nicknamed as Aunt Bank. Because it is deeply loved by aunts, it has a high volume of card issuance and is easy to get cards, so it is always the target of first-time card processing. Moreover, the bank industry has its own credit card approval mechanism. State-owned banks have low risk control and it is easy to apply. Moreover, after you have an ICBC credit card, applying for a card with the card has become another method of applying for a card. As for Bank of Communications, the threshold is low and the approval speed is fast. Although the credit limit may be lower, it is also a more suitable entry card for white households to apply for, and the Bank of Communications brand promotions also attract batches of users to join.

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This is the end of the introduction about which credit card a pure white household should apply for and which credit card a pure white household should apply for with a high credit limit. Did you find the information you need?