Is it easier to get a credit card from a small bank?
Each bank has different standards for applying for a card. If you apply for a China Merchants Bank credit card, whether it is easy to apply for will depend on whether the information you provide meets the review standards of the bank you are applying for. Taking China Merchants Bank as an example, the review is based on a comprehensive assessment by the system and will take into account many factors, such as work, income, stability, personal credit and other aspects.
Is it better to choose a credit card from a big bank or a credit card from a small bank?
Of course a credit card from a big bank is better. Big banks are powerful and generally won't do anything random. What's more, big banks are generally state-owned enterprises and their supervision is more formal!
Which bank’s credit card is best to apply for
Relatively speaking, credit cards from commercial banks are easier to apply for than the four major domestic state-owned banks. 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 and fast. It is so powerful.
2. Bank of Communications Credit Card
What is often recommended is Bank of Communications’ Y-power card, which offers up to 100% of the cash withdrawal limit. There is no annual fee for 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 refueling.
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. Verifying the information is very simple, as long as you provide a copy of your ID card. 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 increase slowly.
Are small bank credit cards reliable?
Small banks are also reliable. Compared with the four major banks, they may be stricter in risk control management because they have fewer branches. The big four banks are a bit like big stores bullying customers and have some domineering terms, but small banks will offer services and additional services to increase customer stickiness. Then in small banks, like the four major banks, they will not charge fees indiscriminately. After all, small banks cannot afford complaints from customers, and their complaints cost more, so they will not do anything indiscriminately.
I hope my answer will be helpful to you, thank you
Which bank’s credit card is the best to apply for? The four major difficulties are small banks and the threshold is low
Many have been in a wait-and-see mode and have not yet opened. What credit card novices want to know most is which bank’s credit card is best to apply for. Many card lovers who are new to applying for a credit card go to a big bank to apply for a credit card, but they end up complaining about the complicated procedures and the troublesome approval process. In order to avoid this situation, I would like to tell you which bank's credit card is best to apply for.
1. Generally, card holders must be over 18 years old and have full legal capacity;
2. Proof of identity is required. Documents that can prove your identity, such as ID card, military ID card, Hong Kong, Macao and Taiwan passes, and passport;
3. Proof of income is required. A signed income certificate issued by the work unit
4. There is a need to provide proof that the cardholder has stable repayment ability. Including bank statements, RVs and other asset forms, information that can prove that the cardholder has a stable repayment ability;
5. Applications with good personal credit records and past overdue repayments and other bad credit records Credit cards will be much more difficult.
The above conditions are basically the same requirements of all banks when handling credit card business, but each bank has different preferences and policies. Next, I will tell you which bank's credit card Best to apply.
The following are the top three banks with credit card approval rates in January:
1. CITIC Bank, with a credit card approval rate of 31%. As long as you meet the basic conditions and provide relevant information, you can apply. The approval rate for positions such as company clerk administration and shopping mall staff is extremely high;
2. China Everbright Bank, the approval rate is 30.9%. Everbright Bank's card approval volume has always been very stable, making it the best choice for people who want to apply for a card quickly;
3. Bank of Communications, the approval rate is 27.7%. If you have proof of academic qualifications, it will be easier to apply for a Bank of Communications credit card.
In addition to these three banks, credit cards from Guangfa Bank, Ping An Bank, and Industrial Bank are also relatively easy to apply for, and the card application speed is relatively fast; while the four major banks of China Agricultural and Industrial Construction have a somewhat lower pass rate. It pales in comparison, both are below 20%.
Tips for applying for large-amount credit cards with maximum credit limit for white households
The application conditions for CCB’s small platinum credit card may also apply for you
So we can see that small The credit cards of joint-stock commercial banks generally have lower thresholds. Overall, the credit card of China CITIC Bank is the best to apply for, while the four well-known banks are not so friendly in terms of credit card application. It is up to each cardholder to decide which one to apply for. Hurry up and click on the credit card application channel to experience the low-threshold and high-discount card opening journey.
Which bank’s credit card is better?
The first choice is China Merchants Bank. It is the best credit card that I personally use. The card issuance is very fast and the credit limit is high.
Attached are the credit card information of major banks:
1. The four major commercial banks: Bank of China is very average, with low limits and few points. The activities are all about buying a few thousand for free in a certain shopping mall. , has no practical significance. Online banking is inconvenient. Repayment is convenient.
China Construction Bank has a lower limit, but it is easier to apply for a gold card. Others are the same as above.
There is no need to apply for Agricultural Bank of China. I applied for it for several months, but none of the branches submitted the form. It is a bank that does not pay much attention to the credit card business.
Industrial and Commercial Bank of China is worth applying for. The limit is high and the limits are superimposed. For example, if you apply for a card with a limit of 10,000, and then apply for another one with a limit of 10,000, then your The limit is 20,000. This is the only bank in China that offers overlapping credit limits. In addition, online banking is great and you can directly top up 5k at a time. Repayment is convenient.
P.S: I wonder if you are from Beijing? If so, do it now and you’ll get a free shield.
2. Banks with good credit card development: China Merchants Bank is the first to recommend. It has a high limit and is easy to apply for a gold card. The most important thing is that the points activity is very good and other activities are often launched. In addition, online banking is very convenient and easy to use. Repayment is quite convenient.
Secondly, China Guangfa Bank has the same reason as above, but there are fewer activities, so you need to pay attention to the website. Repayment is quite convenient.
3. Excellent small banks: I have to say CITIC Bank. I don’t know how it is in other regions. Beijing often launches 9 yuan movie-watching activities (you can spend 6 times). All the movies I have watched in the past 2 years are It’s 9 yuan (original price ranges from 70-110), and there are many other activities, so it’s worth checking out. However, the credit limit is average, repayment is inconvenient (it’s better if you have a card), and online banking is not convenient either. But the cards are all beautiful. It is important not to apply for a CITIC Express card, as this does not waive the annual fee.
China Everbright Bank has a high credit limit, and you can apply for a credit limit adjustment in half a year, which is usually doubled. The best thing is that it is a great way to give out points, often times the points, and online transactions also count as points, making it the only one in China. Repayment is inconvenient, online banking is quite convenient, but it’s not very comfortable for a one-time payment of 300 yuan.
This concludes the introduction to small bank credit cards and small bank credit cards. Have you found the information you need?