Which bank’s credit card is easier to pass
1. Bank of Communications: The threshold for Bank of Communications to approve a card is very low. You only need to provide your ID card and your work certificate (i.e. work permit , a badge, or an income certificate stamped with the official seal of the unit is also acceptable, or even the original business card and a copy of the pass of the public institution are acceptable).
2. China Merchants Bank Credit Card: China Merchants Bank is the number one credit card brand in China. There are many cardholders who hold its credit cards. This is also because its approval threshold is not high. However, its credit limit is High or low, of course, this mainly depends on the applicant's property and income.
3. China Everbright Bank: China Everbright Bank credit card is also very easy to apply for. Its credit card approval threshold is very low. Some cardholders reported that they were approved without submitting proof of employment and property when applying.
The advantages of credit cards are: 1. When you swipe your card for consumption, you don’t need to give change (especially in supermarkets).
2. Spend in advance and don’t have to worry about not having enough money to buy things (both advantages and disadvantages).
3. You can download bills to facilitate accounting and statistics.
4. Points can be redeemed.
5. You can borrow cash in advance for emergencies.
Compare four types of cards: China Construction Bank, ICBC, China Merchants Bank and Bank of China. (Not sure about Bank of Communications, Agricultural Bank of China, Commercial Bank, etc.)
CCB: It has the widest range of teller machines and business outlets, with a lower authorized limit. It charges a handling fee of 1% for each cash advance, with a minimum of 2 yuan. Automatic deposit machines are relatively backward.
ICBC: There is no handling fee for cash advance loans, and there is an interest-free period of 30-50 days. The front desk can provide detailed credit card consumption statements. It seems to be the only local bank with a credit card customer service center.
China Merchants Bank: The authorization limit is large, and it has the most advanced teller machines and the best automatic deposit system among banks that I know of. A handling fee of 1% is charged for each cash advance loan, with a minimum of 10 yuan.
Bank of China: The online inquiry system is relatively good. It has opened a national unified business acceptance telephone platform with 400 numbers and supports local mobile phone calls. Teller machines do not support automatic deposits, and the front desk cannot provide credit card consumption details. A handling fee of 1% is charged for each cash advance, with a minimum of 8 yuan.
Take the estimated business expenses at China Merchants Bank or Bank of China as an example: withdraw 4,000 yuan and use it for 15 days, the fees incurred are:
1. Cash withdrawal fee: 1% × 4,000 yuan = 40 yuan.
2. Interest: 0.5/day × 4,000 yuan × 15 days = 30 yuan.
Total 70 yuan.
If you use CCB’s card, you may not have such great credit for cash withdrawals. If you use ICBC’s card, you can basically save 70 yuan.
If you are already accustomed to using cards, it is recommended to apply for more than 2 cards to prevent unexpected factors such as card swallowing, degaussing, teller machine failure, insufficient credit limit, etc. due to misuse.
China Minsheng Bank
Advantages: The value of points is high; installments do not account for the quota; the gold card has a lawyer who provides good service; the ID card is very personalized, but there is a card printing fee; cash withdrawals No handling fees. Disadvantages: Few outlets; Alipay is not supported. Advantages of Industrial Bank: It supports "Tenpay" repayment; "Gold Card" can enjoy it
What bank credit card is easiest to pass
One, Bank of Communications standard credit card
Approval speed: very fast, usually within 10 minutes. When I applied that year, I just submitted it online, and when I turned around, a text message came to my phone, which took less than 1 minute! The quotas for novices are quite good. Moreover, the Bank of Communications’ Red Friday event is a must-have for all hairy people! ! !
The second one, Everbright Bank Sunshine Credit Card
Who designed the colors!
Let’s change to the Yanhuang Card
Approval speed: 2-5 days, just express EMS registered mail, I have a bride, the postal outlet shouldn’t be too hard to find! ! There were actually many comrades inside sorting out newspapers, and the tables also had a sense of era, with rows of them looking like old movies from the 1980s.
In addition, China Everbright Bank often recommends golf platinum cards through telephone sales, but they may not provide credit increases after applying. A bit of a trap.
The third one, CITIC UnionPay standard credit card
Application speed: CITIC’s card limit is not very generous, but the approval speed is still very fast. The editor once recommended a customer to apply, and the result My POS machine was couriered from Hefei to Harbin. The machine has not been delivered yet, but the customer said that his credit card has been received
Seven fast-approval credit card recommendations, approved in as fast as 1 minute
The fourth one, Ping An Standard Credit Card
Ping An Insurance has been busy recently, but the credit card is still very friendly to the people, and I heard that it will be released at the end of the year, and the approval is fast and the credit limit is high. Approval is usually completed in 1 to 3 days.
Ping An focuses on the advertisements, which advertise that 10,000 and 20,000 quotas can be easily approved, but the actual amount obtained often shrinks a lot.
The fifth one, Minsheng Standard Credit Card
Approval speed: Within 5 days, if the basic information is correct, it will be approved. The limit is also good, suitable for novices to raise a card, the maximum cash withdrawal ratio is 40% , the cash withdrawal fee is 1% of the cash withdrawal amount. Other functions are relatively ordinary, and Minsheng Bank does not have much activity in the recently popular cash loans, installment loans, and various E-loans.
The sixth one is CCB Dragon Card Standard Dual Currency Credit Card
Which bank credit card is easy to get and has a high limit?
Many friends have asked which bank's credit card is easier to apply for. I'm afraid I have to answer you, you have to choose from a commercial bank. The four major state-owned banks will be relatively more difficult. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.
1. Industrial and Commercial Bank of China: Universe Constellation Credit Card
ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card promoted by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!
In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.
2. Bank of China: Taobao Credit Card
The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.
3. Agricultural Bank of China: Beautiful Upgraded Mom Credit Card
This Agricultural Bank of China’s Beautiful Upgraded Mom Credit Card is also easier to apply for. Both gold and platinum cards can waive annual fees based on the number of card swipes. The visa platinum card is also free of annual fees during its validity period.
You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.
4. China Construction Bank: The most popular card in the world
This card from China Construction Bank is also relatively easy to apply for, and it is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.
Overseas wifi, discounted air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.
This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to you. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!
Which bank's credit card is easier to apply for and has a higher limit?
Relatively speaking, commercial banks are easier to apply for than credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.
1. China Merchants Bank Credit Card
The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.
Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.
2. Bank of Communications Credit Card
What is often recommended is the Y-power card of Bank of Communications, which has up to 100% of the cash withdrawal limit. There is no annual fee in the first year of application, and it can be waived by swiping the card 6 times. The annual fee for the following year is very impressive.
The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on gas.
4. CITIC Bank Credit Card
It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verification of information is very simple, as long as a copy of the ID card is provided. But as for raising the quota, it’s very difficult.
CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.
5. Guangfa Bank Credit Card
Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.
6. Everbright Bank Credit Card
It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.
In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will gradually increase.
This is the end of the introduction about which bank credit cards are good for approval and which bank credit cards have low approval rates. I wonder if you found the information you need?