Nowadays, most people have a credit card in their hands, and more people are planning to apply for a credit card. After all, credit cards can provide us with a lot of convenience when making daily purchases. So when applying for a credit card, which user is better to choose?

Which bank is better for credit cards

1. China Merchants Bank: When it comes to low threshold and high credit limit, China Merchants Bank is the most unmissable. As long as there is no bad credit, even college students who have just graduated from school and have not been working for a long time can be approved for a credit card worth more than 10,000 yuan. However, you need to choose a card in advance. In addition, China Merchants Bank's risk control is relatively loose. As long as there are no malicious overdrafts, cash outs and other illegal card usage behaviors, you can increase the credit limit after swiping the card for 3 to 6 months.

2. Industrial Bank: Among the many joint-stock commercial banks, Industrial Bank has the lowest threshold and the highest credit limit. Especially when applying for cards on Alipay and WeChat, with the help of big data and comprehensive evaluation of the banking system, Cards can be approved on the same day, and the limit usually starts at 10,000. In addition, Industrial Bank's risk control is relatively loose, especially when it comes to raising quotas.

3. Bank of Communications: The activities of Bank of Communications are very user-friendly and practical. No points are required, and cash is returned directly. New customers who spend over 100 yuan for the first time on Friday will receive a 50 yuan card credit, 30 yuan for mobile banking activation, 40 yuan for automatic repayment, etc. In addition, if you meet the consumption standards, you will get a 10 yuan discount for watching movies once a month.

4. China CITIC Bank: China CITIC Bank can compare with China Merchants Bank in credit card business, and many activities are very innovative. For example, everyone generally believes that credit card points are worthless, but CITIC has a 9-point redemption event. 9 points can be exchanged for a cup of Starbucks, a book worth less than 35 yuan, or a Wanda movie ticket, etc. Compared with other banks, you can exchange hundreds of points for a cup of coffee, which is indeed infinitely more powerful.

5. Guangfa Bank: Guangfa Bank credit card is also well-known in the industry for its low threshold and high credit limit. Many white households can apply for a credit card online and get a credit card with a limit of at least 10,000. However, China Guangfa Bank's risk control has also been tightened recently. After getting a credit card, it is better not to use the card illegally, otherwise the card may be blocked and the credit limit reduced.

6. Industrial and Commercial Bank of China: 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 limit is high. The average card limit is about 40,000.

8. Agricultural Bank of China: With good credit and stable financial resources, you can apply for an Agricultural Bank of China credit card. Of course, your repayment ability and consumption needs have a great impact on your card limit. The average card limit is 3 50,000.

9. Everbright Bank: The threshold for applying for a card is low, but the limit is not low. The average card limit is about 30,000, and it is relatively easy to increase the limit.

The above are the banks that are better at handling credit cards and have relatively high limits. If you want to apply for a credit card, you can consider the cards from the above banks.