Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still quite a few preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
Where can I get a high credit card? Choosing the right bank is the key.
At present, the channels for handling credit cards can be divided into outlets and online processing. Card friends often ask where the credit card limit is handled. In fact, the credit card quota has little to do with the application channel, but if the bank chooses well, the quota may be higher. Let's have a look.
Where can I get a high credit card?
The biggest difference between online card handling and sub-branch card handling is that it is convenient to handle cards, and that it can provide information, but it is still approved by the same system of banks, and the reference factors are the same. They are all graded according to the applicant's work, credit and income, and then the places are given according to the scores.
Unless the applicant has sufficient financial proof, such as automobile production and real estate. , the amount of cards handled through outlets may be higher than online application, otherwise there may be little difference.
However, if banks choose well, it may be easier to grant large cards.
1, China Merchants Bank: China Merchants Bank has a low credit card threshold and a generous credit line, especially the first card. Compared with the four major state-owned banks, the credit line of China Merchants Bank may be above 1 10,000, even if the applicant is a young person who has just entered the society. Moreover, China Merchants Bank's credit card withdrawal speed is fast, and it is easy to provide e-credit line, which can be said to be the first choice card for entry.
2. Industrial Bank: Industrial Bank's credit card threshold is also relatively low, especially with high sesame scores. Through Alipay life number, it can be quickly approved, and the initial approval amount can reach more than 6.5438+0 million yuan. It can also provide a large cash installment amount for Xiang Xing loan, and the risk control is relatively loose. In the process of++reduction, it is rarely heard that industrial cards have been reduced.
The above is the introduction of "where to get a high credit card limit", I hope it will help everyone.
Which bank has a good credit card and a high quota?
ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card are all easy to apply for high credit cards.
1, ICBC credit card
It is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then, it is easy to apply for a card and the amount is high. The average card amount is about 40 thousand.
2. Agricultural Bank Credit Card
If you have good credit information and a stable source of income, you can apply for a credit card of Agricultural Bank of China. Of course, your repayment ability and consumer demand have a great influence on your credit card limit, with an average credit card limit of 35 thousand.
3. China Everbright Bank Credit Card
The threshold for getting a card is low, but the amount is not low. The average amount of the card is around 30 thousand, so it is easier to withdraw cash.
Extended data
Matters needing attention
1. Remember the billing date and repayment date when you arrive at the credit card;
2. If you can use it yourself, don't lend it to others;
3. Sign on the back of the credit card to protect the package security code;
4. More consumption can accumulate credit and increase the quota;
5. Participate in bank preferential activities, bonus hunter;
6. Make good use of the interest-free period of credit cards and repay them in time;
7. Credit cards have an annual fee, and grasp the standard of annual fee reduction;
8. Make a good record of using the card, and don't overdue or cash out.
Which credit cards (debit cards) have a high application amount?
Bank credit card (debit card) audit mainly depends on the applicant's credit situation. The better the credit conditions, the easier it is to apply for a credit card (credit card), and the higher the amount. Industrial and Commercial Bank of China, Agricultural Bank of China, and China Everbright are banks with higher card issuance.
1, ICBC's credit card (debit card) is more suitable for people who have business contacts. With assets in ICBC, it is easy to apply for a card, and the amount is high, with an average card amount of about 40,000.
2. ABC's credit card (debit card) has a good credit rating and can apply if it has a stable economic source. However, the repayment ability and consumer demand have a great influence on the card amount, and the average card amount is about 35 thousand.
3. The threshold for applying for the credit card (debit card) of China Everbright Bank is low, and the general card amount is around 30,000, so it is relatively easy to increase the amount.
Which bank has a good credit card and a high quota?
Easy to apply for a high credit card:
It is very easy to apply for credit cards, such as ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card, with high quotas. 1, ICBC credit cards are more suitable for people who have business dealings with ICBC, and they have assets in ICBC, so it is very easy to apply for cards, and the amount is high, with an average card amount of about 40,000.
2. ABC's credit card is excellent and its economy is stable.
High credit card limit and low interest rate?
The maximum limit of the endless card is about 500,000 yuan. ICBC and Minsheng Bank's credit cards do not charge fees for withdrawing money from local banks (there are only two in China at this stage). In fact, all credit cards in China are overdrawn at a daily interest rate of 0.05%, and there is no such thing as the least interest.
First, China Merchants Bank. To say which bank's credit card is easy to handle, I have to say China Merchants Bank. As long as there is no bad credit, even college students who have just graduated from school and worked soon may be granted credit cards above 10000. However, you must choose the card in advance. This is the youth card of China Merchants Bank.
Second, China Guangfa Bank. According to the applicant's feedback, the credit card application threshold of Guangfa Bank is low, and the credit card quota is generally low, but fortunately, it is easier to raise the amount. As long as you use your credit card frequently and repay in full and on time, you will not be rejected if you call customer service to apply for withdrawal.
Third, Industrial Bank. Industrial Bank's credit card application threshold is also quite low, with many credit card activities, many points and rich gifts. Ordinary credit cards of Industrial Bank are generally free of annual fees in the first year, while gold cards need to meet the corresponding credit card conditions or points.
In addition, there are China Everbright Bank, Huaxia Bank and Bank of Communications. And it's easy to get a credit card. At the same time, when applying for a credit card, there are more and more cases of providing real estate, and the card issuance rate is higher. Friends who want to apply for a credit card recently can consider applying for these banks.
There are ICBC credit cards, Agricultural Bank credit cards and China Everbright Bank credit cards. But the interest on all bank credit cards is the same. Cash withdrawal and penalty interest are both five ten thousandths of the daily interest, and compound interest is calculated monthly, but the cash withdrawal fee and installment fee of bank credit cards are different every year.
The final amount of application depends on personal economic proof (such as work or income proof, real estate license, car driving license, etc.). ) submitted at the time of application. The more proof materials are submitted, the higher the amount.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Let's talk about where to apply for a high credit card.