Everyone knows that when applying for a credit card, the applicant’s debt status is often inquired. If the debt ratio is too high, it will usually affect the credit card approval rate. So, which bank credit cards on the market have high credit limits and are easy to pass? Let’s take a look.
Which credit card should I apply for if I have too much debt?
China Merchants Bank
The number of credit cards issued by China Merchants Bank is second only to the Industrial and Commercial Bank of China, and its credit card application threshold It’s not high. Basically, as long as there are no problems with your personal credit and you have a stable job and income, it can be approved.
CITIC Bank
Applicants for the main card are between 18 and 65 years old, and applicants for the supplementary card are between 16 and 75 years old. Natural persons with full capacity for civil conduct can apply for a CITIC Bank credit card. , the requirements are not high. In addition, although the CITIC Bank credit card limit is not very high, the limit can be increased relatively quickly, as long as the cardholder uses the credit card as soon as possible and maintains a good credit report.
China Everbright Bank
China Everbright Bank has a low credit card approval threshold. As long as the applicant has a good credit profile, he or she can basically pass, and the credit limit is relatively high. The limit of most Everbright Bank regular credit cards can reach 10,000 yuan.
Ping An Bank
The principal cardholder’s application age is between 20 and 65 years old, and the supplementary card applicant’s age is between 14 and 65 years old. In addition, new user applications need to provide credit card application form, valid resident ID card, work certification documents and other information. At the same time, the applicant's personal credit profile must be kept good and the debt ratio should not be too high.
Apply for a credit card that suits you. The threshold is low, the efficiency is high, the limit is high, and the approval rate is high. The credit card entrance of major banks: Minsheng Bank Credit Card is easy to apply for, the limit is high, and there is no annual fee to apply for it. Apply for the Everbright Bank Credit Card for free, pass quickly, with a pass rate of over 90. Apply for this card, CITIC Bank Credit Card, multiple cards, and multiple rights. Apply for this card, China Merchants Bank Credit Card, cash advance can be withdrawn anywhere, and new accounts will receive 2 years for any purchase. Jingdong Plus members apply for this card, Ping An Credit Card, interest-free installments, apply for this card with a repayment fee of 8 yuan, apply for this card with China Guangfa Bank Jingdong Supermarket Co-branded Card, enjoy 1 point shopping supermarket gifts, choose one of six, waive the annual fee in the first year, apply for this card from Ping An Bank Standard credit card rebates on online purchases, new accounts receive an instant discount of 60 yuan when paying, apply for this card, Shanghai Pudong Development Bank Ele.me co-branded credit card, get 7 yuan off on takeout every day, and spend 6 times per year without annual fees, apply for this card from CITIC Bank Credit card - Yan Card series has a limit of up to 100,000, and you can enjoy 50% off gourmet food with no annual fee when you apply for this card. Shanghai Pudong Development Bank JD.com PLUS Co-branded Card will give you a PLUS membership annual card with no annual fee for the first swipe, and you will be free to apply for the next year after spending 6 times. This card
The approval rates for credit card applications from the above-mentioned major banks are very high, so you can pay attention to it.