which is better for a novice to apply for a credit card

1. CITIC Bank: Novices should apply for a credit card of CITIC Bank, preferably online, which will be more efficient. After submitting the application materials online, they will usually receive a call for a return visit within 3 days. After passing the preliminary examination, they will be asked to bring their valid ID cards to the outlets for face-to-face interviews. After passing the examination, they will send the cards and receive them as soon as half a month. The co-branded cards of this bank are all easier to get off. If female friends can apply for CITIC Magic Credit Card, they can provide exclusive insurance for women, online transactions and points. Because there are two levels of gold and platinum cards, it is best for beginners to apply for a gold card if they don't have strong asset strength.

2. Bank of Communications: The credit card of Bank of Communications is also relatively easy to get off, with a low threshold, but it pays more attention to academic qualifications, at least junior college or above. As long as the academic qualifications pass, the work and income are stable, and valid ID cards and work certificates can be provided, white households can basically get off the card. If a novice is young and under 3 years old, it is more appropriate to apply for a Bank of Communications Y-POWER card, with a quota of about 1, yuan, plus a 1% cash withdrawal quota, a domestic cash withdrawal fee of 5 yuan/pen and a 56-day interest-free period, which can basically meet the consumption needs of young people who have just entered the society.

3. China Merchants Bank: China Merchants Bank ranks first among commercial banks in the number of cards issued, which is inseparable from its low threshold. Generally, credit cards can be issued without problems and stable jobs, and the amount is raised very quickly. Booking a card online has a salesman coming directly to the door. After approving the card, you don't need to go to the outlet to sign it. You can use the card when you get it.

What credit card should a novice apply for?

1. Bank of Communications Y-POWER Card

The target users of this card are young people under 3 years old, and the threshold for processing is low. As long as you meet the conditions for issuing cards in the bank, it is not difficult to successfully get off the card, which is more suitable for beginners.

2. The YOUNG Card of China Merchants Bank

Like the Y-POWER Card of Bank of Communications, only young customers under 3 years old can apply, and the application threshold is low. As long as they can provide work certificates and certificates of bachelor degree or above, they can meet the conditions for applying for the card.

3. Although CITIC Bank's White Bar Co-branded Card

belongs to the gold card level, it is easy to apply for and issue cards quickly. It is worth choosing for beginners to apply for credit cards, and it can be used in conjunction with JD.COM White Bar, enjoying an interest-free period of up to 8 days.

credit card application

in most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.

each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant.

and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

review

after receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the review mainly include whether the contents of the application form are true or not, evaluating the credit degree of the applicant, and reviewing the relevant information of the guarantor for the individual.

usually, the bank will examine the applicant's various information and economic situation according to the application materials to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. The standards of different card-issuing banks are also different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

card issuing

after the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

Four magic cards in the credit card industry: novice entry-level credit cards

There are actually many kinds of four magic cards in the credit card industry, mainly depending on the needs of applicants. If you want a high-end card, there is a high-end card, but just want to apply for a novice card, there is an entry-level card. Today, I will introduce four entry-level novice cards to you, and white households can apply for easy-to-download cards, which are cost-effective.

1. Young Card of China Merchants Bank

is the first choice for entry-level card application. Young customers who are 3 years old can get a card, even if they are still in the internship period, as long as they can provide proof of work. The initial batch is generally around 1, yuan, and they can withdraw 1% cash. The first cash withdrawal is free every month, and they can also enjoy the benefits of 1 yuan storm of China Merchants Bank, which is very suitable for young people who have just entered the society.

What's important is that China Merchants Bank's credit card withdrawal speed is relatively fast, and it can be repaid on time by swiping the card frequently, and it can be withdrawn in about six months. If it is divided into stages again, the withdrawal speed is even more leveraged, and even credit card loan products such as China Merchants Bank's e-loan can be provided. Although it may be used in a dark room, it doesn't matter when it is urgently needed.

2. Bank of Communications Wal-Mart Credit Card

This credit card has a very low application threshold. You can apply as long as your age meets the requirements, you have a stable job and income, and your credit is good. The reason why this Wal-Mart credit card is introduced is mainly because it is a supermarket co-branded card, which can be said to be one of the must-have cards at home.

With this card, you can participate in the five-day activities of the most popular supermarket of Bank of Communications, and you can enjoy the refund of the credit card when you swipe your card at Wal-Mart supermarket every Friday, up to 5%, and you can also enjoy double points when you swipe your card at the supermarket. Many people use this card for these benefits.

3. Pufa Youth Credit Card

As you know from the name, Pufa Youth Credit Card is also a youth card, and the application threshold is also extremely low. You can apply with a small white collar just after graduation. If the salary card is from Pufa, it is easier to get a card.

why do you introduce everyone to apply for Pufa Youth Credit Card? The first cash withdrawal of this credit card is free, plus a unique card with two amounts, a 1% discount rate, a limit of 1, yuan, and double points, which is more in line with the consumption needs of modern young people (low rate, high quota, and more concessions).

4. ICBC world Struggle Credit Card

This credit card is the lowest threshold card of ICBC. Generally, it can be issued in a stable job with good credit. However, there are three types of cards: Pukashin, Gold Card and Platinum Card. Novices had better start with Pukashin. However, as a card of the four major state-owned banks, the quota is not as high as the first three.

Although the rights and interests are relatively average, the installment rate of ICBC's credit cards is low, so it is relatively easy to raise ICBC's star rating and raise the amount in the future, or to handle other ICBC businesses.

What credit card is better for beginners?

Here are three credit cards that are more suitable for beginners.

1. Young Card of China Merchants Bank

Recommended reason: Young Card of China Merchants Bank is very suitable for novices, and the first cash withdrawal every month is free of charge, and the cash withdrawal amount reaches 1%, with double points in the birthday month. Newcomers can also get gifts (Samsonite backpack, Pentium electric shaver, China Merchants Bank credit card 1, points) when applying for this card. In addition, there are many preferential activities launched by China Merchants Bank credit card center, such as 5% off food, watching movies, singing and so on, which are very attractive! The characteristic of youth card is that it is only for young people under the age of 3, and you can apply without too high income. After you get it, you can enjoy food and beverage shopping discounts, and there is a 5% discount on Wednesday, which is very suitable for young people to improve their lives occasionally. The starting limit of a young card may not be too high, but it doesn't matter. If you use it occasionally, the limit will rise slightly. The author's initial quota is 1.5W. I brushed it in 1.5W stages. After the 12th installment is paid off, the quota rises to 4.3W. After that, I applied for another card, and the initial quota became 5W, and I got several platinum cards.

2. Pufa Youth Card

Recommended reason: Pufa Youth Card is free of annual fee for life, and you can open a red envelope, get points and double the holiday product for every purchase, and the first cash withdrawal every month is free of handling fee.

3. CITIC I Platinum

Recommended reason: This card is called the first platinum card for young people, with fast approval speed and double points for online transactions, and you can get 5 million aviation accident insurance and delay insurance when you buy air tickets.

4. DIY Credit Card of China Guangfa Bank

Recommended reason: 3 times points for the type of self-selected merchants (including catering, entertainment, shopping and travel, etc.), and the points are free to offset consumption or exchange gifts (every 1, points will arrive in 2 yuan). In addition, Guangfa Bank's popular credit card activity, Guangfa Day on Friday, has been reopened, and you can get one get one free or half price discount in ishare for eating, drinking and having fun every Friday.

5. CITIC Bank Taobao co-branded credit card (V version)

Recommended reason: new customers can enjoy 3 yuan Alipay red envelopes and enjoy up to 1 times points at the same time. This card can be said to be a necessary credit card in hands-chopping people. Online shopping is super cost-effective. Not only does online shopping earn points, but it also doubles points according to your Taobao level! In addition, you can enjoy 9-point share exchange, watching movies in 9 yuan and other discounts.

which credit card do newcomers suggest

For the first time, it is better to choose the credit cards of commercial banks with low card threshold. For example, Bank of Communications, China Merchants Bank, Industrial Bank, Minsheng Bank, these banks' credit cards are easy to get off as long as they meet the application age, have a stable job and income source, and have good credit.

first, you should handle the credit card according to your own needs. After all, what suits you is the best. Therefore, you should know what you are using the credit card for, whether it is for eating, drinking, shopping or for better travel. Second, in addition to the financial interests on the surface, credit cards often hold preferential credit card activities. Some brand credit cards can provide benefits to cardholders all the year round. These real discounts and reductions are the most beneficial things for cardholders.

first, China merchants bank: Young card

when it comes to the necessary credit card for beginners, many cardholders will think of China merchants bank's young card, which has very good rights and interests, and the application threshold is low, so it is quite good to choose this credit card as the first card in life. The benefits of this card are as follows:-Free handling fee for the first cash withdrawal every month

- Double points for birthday month, with the upper limit of 2, points per household

- Cash withdrawal limit of 1,

-Card opening ceremony: new customers will be given Samsonite backpack or Pentium electric shaver in full when swiping the card

Comments: YOUNG card of China Merchants Bank is limited to 3 years old and includes the following customers' applications, and the application threshold is low, and the credit card approval is fast. In addition, China Merchants Bank's credit card preferential activities are very powerful. The ongoing 1 yuan storm has brought a lot of gifts to everyone. In addition, there are various activities worth participating in the palm life, such as snapping up points at 3 pm every day and 5% off meal tickets every Wednesday. If you grab the meal tickets, you can have a beautiful meal.

Second, CITIC Taobao co-branded credit card

If the main battlefield of shopping is Taobao, then the CITIC Taobao co-branded credit card is the first one. As a gold card, the application threshold is still quite low, and the specific rights and interests are as follows:

- Gold card consumption is free of annual fees

- Multiple points for online transactions

-4 hours 1 yuan flight delay insurance

Comments: The biggest feature of this card is online shopping. The higher the membership level of Taobao, the better. Even if you don't have a grade in Taobao, you can still pay 2 times the points quickly with this card. The POS machine swipes a gold card with a single score of less than 2, and a double score of more than 2,, and there is flight delay insurance in 1 yuan. The threshold is not high, and the points are generally exchanged for mileage or gifts.

Third, Pudong Youth Credit Card

The credit card of Shanghai Pudong Development Bank is also a good application among all commercial banks. This youth credit card focuses on young people, so the application threshold is not very high. In addition, the rights and interests of this card are also remarkable. The specific rights and interests are as follows:

- You can open a red envelope for each purchase, get points, and grab the red envelope shared by friends

- You can get 5 times points. Choose 2 out of 6 categories of Alipay/WeChat/Catering/Department Store/Hotel/Entertainment, and each category has a monthly 3 yuan

- Free handling fee for the first cash withdrawal every month

- Double points for birthdays, Christmas, Valentine's Day and Singles' Day

- Free annual fee for life, free anti-theft brush service

Comments: Pudong Youth Credit Card has its unique one card with two amounts and a 1% discount rate. The age range is between 2 and 3, and they are college graduates or young people who still have dreams after working for several years. You can submit a copy of your work certificate, ID card or other supporting materials at bank outlets, WeChat and official website.

That's the end of the introduction about what credit cards are good for beginners and what credit cards are easy for beginners. Did you find the information you need?