Which bank has the highest credit card limit

1. Industrial Bank: Industrial Bank has a relatively low threshold for applying for a card. It is easier to apply for a card through Alipay, but it generally requires Sesame points. You can apply if you have a score of 620 or above. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be above 90%.

2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Little Yellow Duck themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.

3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.

4. GF Zhenqing Credit Card: GF Zhenqing Credit Card is a women’s card launched by China Guangfa Bank. It has outstanding advantages in shopping, women’s insurance, etc.! At the same time, you can choose one of the four major merchant types including department stores, restaurants, tourism, and entertainment to enjoy three times the points for swiping your card. However, it is important to note that once this is selected, it cannot be changed.

Which bank credit card is easy to apply for and has a high limit

Which bank credit card is easy to apply for with a high limit?

1. China Merchants Bank:

Speaking of 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 apply. It is possible to approve credit cards worth more than RMB 10,000. However, you need to choose a card in advance. Here we introduce the China Merchants Bank young card.

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 use behaviors, you can increase the credit limit after swiping the card for 3 to 6 months. If you make contributions in installments in the meantime, the increase will be The speed is faster.

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, Combined with the comprehensive evaluation of the banking system, the card can be approved on the same day, and the limit is usually starting from 10,000. If you want to apply for an Industrial Bank credit card, you can look at Industrial Taobao Card and so on.

In addition, Industrial Bank’s risk control is also relatively loose, especially it is easier to increase the limit. For gold-level credit cards, you can spend more with the card, and occasionally use the card in installments. The limit can be increased to 50,000 in one year after using the card. Not a problem.

3. 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, 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.

1. Credit card application process

After the user decides to apply for a credit card, he or she can apply for the credit card through bank branches, bank official website, and credit card staff visiting the door. The specific application process is As follows:

1. Apply for a credit card at a bank outlet:

After selecting the bank you want to apply for, you can go directly to the bank outlet with your ID card, and then inform the bank lobby The manager himself needs to apply for a credit card. At this time, the lobby manager will give you a credit card application form and fill in the information according to the requirements of the form.

Then take a number at the number-taking machine and wait for the counter to call your number. After your number is called, you can go to the counter and submit the application form and personal ID card to the staff, and the staff will help the user. After successful submission, you can wait for the review results.

2. Bank official website processing:

Now each bank has its own official website. Users can visit the official website of their bank, then find the credit card section on the homepage, click to enter and select Select the type of credit card you want to apply for, submit your application information according to the prompts on the page, and then wait for the review result.

3. Notes:

1. Be sure to remember the billing date and repayment date after receiving the credit card;

2. Never use it if you can. Lend to others;

3. Sign the back of the credit card and protect the security code;

4. Only by spending more can you accumulate credit and increase the limit;

5 , participate in more bank preferential activities and gain more;

6. Make good use of the interest-free period of credit cards, but also pay back in time;

7. Credit cards have annual fees, take advantage of the exemptions Annual fee standards;

8. Keep good card usage records, never overdue or cash out.

IV. Conditions for applying for a credit card:

1. Aged 18 and below 65 years old;

2. Have a good credit record;

3. Applicants can apply for no more than two supplementary cards for their spouses or relatives who have full capacity for civil conduct.

5. Credit card application materials:

1. Identity proof information: copy of resident ID card or military officer ID card;

2. Work and income proof information;

3. Other proof of financial resources: such as a copy of the real estate certificate, a copy of the vehicle driving license, a copy of the deposit receipt, etc.

Credit card application process:

1. Fill in the application form;

2. Give the bank’s personal information and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center reviews, prints and issues the card;

5. After I get the card, I open it and wait for the password letter .

Is the limit of credit card applied for online very low? This is how to use a high-limit credit card!

More and more people are applying for credit cards, and each of them chooses different ways. Cardholders who have a certain knowledge of credit cards should know that different ways to apply for a card have an impact on the credit limit. of. Many card friends have asked, is the credit limit applied online very low? How can I apply for a high-limit card online?

The limit of a credit card applied for online is low. This is the common knowledge of most people who have applied for a low-limit card online. This is because credit cards applied online generally do not provide additional proof of financial resources. The bank only relies on the application. The card information does not sufficiently recognize the applicant’s credit conditions. Or, if the applicant is applying for a credit card for the first time and applies online, the credit limit will naturally not be high.

So, if you apply for a credit card online with a high credit limit, what skills should you pay attention to when applying for a credit card?

1. Choose a card according to your own needs

If you are a woman, it is best to choose a female-specific credit card, such as GF True Love Card and Minsheng Women’s Flower Card. If you have good credit conditions, You can apply for the Shanghai Pudong Development Bank Beautiful Woman Credit Card (Platinum Card); if you are a car owner, of course, applying for a car owner's card will be more conducive to issuance of high limits.

2. Tips for filling in online application materials

1) The information filled in must be complete and accurate, and non-required fields must be filled in carefully, and must not be falsified;

2) Working years, you can fill in the time since graduation, do not fill in the working hours of the company;

3) Personal income, it is best to fill in the monthly salary before tax, plus various benefits, Salary;

4) The landline number in the contact number must be filled in, and it is best to fill in the company's landline;

5) The contact person is best to fill in a company colleague or leader.

You must do enough homework on how to apply for high-value/large-value credit cards

In short, the credit card limits applied online are very low. This is not the case. If the credit conditions are good, the limit will be higher. , especially if you already hold a high-limit credit card from another bank, if you apply online, the credit limit will not be low.

Which bank is good for applying for a credit card and has a high credit limit

Which bank is good for applying for a credit card with a high credit limit

In fact, there is no bank that has a high credit card limit and is easy to apply for. The key is to look at the actual situation of the credit card applicant. If the credit card applicant has good credit, high income, and stable job, then the credit card limit will be high and it will be easy to apply.

1. Agricultural Bank of China

First of all, the Agricultural Bank of China’s credit cards, Youran Platinum Card and National Treasure Card, are very good. There is no big difference in the rights of the two. They are basically the same. It’s the same. The platinum card is mainly the VIP channel of the branches. It can make appointments with experts, assist in medical treatment, and provide one-yuan parking in parking lots and VIP rights at the airport. Agricultural Bank of China has many branches and it is more convenient to handle business. The most important thing is that Agricultural Bank of China’s activities are There are many, and there are activities every month, but there are also shortcomings, such as low quota, difficulty in activation, etc., but overall it is still very good.

2. Guangfa Bank

The second is that the two credit cards of Guangfa Bank are very good, one is co-branded by JD.com, and the other is GF Zhenshang Platinum Credit Card. The one co-branded by JD.com is not necessary. It must be related to JD.com. If new users make three purchases, they can enjoy JD.com plus membership for one year. There are also 2 no-threshold tickets every month. The GF Zhenshang Platinum Credit Card enjoys the rights of Longteng VIP Lounge and unlimited trips to the Guangfa High-Speed ??Railway. VIP lounges are very good for those who are on business trips for a long time. Generally, this kind of card approval is faster, and the credit limit is higher. It can also be activated remotely, which is more convenient, but it has fewer points.

3. CITIC Bank

CITIC’s Yanka is quite good for shipping koi. For general consumption, points can be redeemed for videos after 9 days of consumption every month, and It also has payment options from major shopping platforms, and finally, takeout, which is very cost-effective. You can enjoy an additional 9-point redemption for 3 purchases of 88 yuan. This card is still very good-looking, frosted, and has many activities. However, there are relatively few outlets, and the amount does not increase very quickly.

4. Postal Bank

Postal Youth UnionPay Card is also okay. This card does not have any good benefits, but it is more practical because it is the first payment of every month. Cash withdrawals are free and there are no handling fees. Compared with other credit cards, it is still very good. However, this card is more difficult to apply for, but fortunately there are many branches and there are many activities of this kind of bank, so it is still very good. , it is more difficult to handle, especially if there is no social security.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, and China CITIC Bank. If you need it, you can apply by yourself!

Credit card application for China Merchants Bank and Ping An Bank

Credit card application for China Everbright Bank and China CITIC Bank

Credit card application for Agricultural Bank of China and Minsheng Bank

Which It is best to apply for a bank credit card

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 the Bank of Communications Y-power card, which has a cash withdrawal limit of up to 100. There is no annual fee in the first year, and you can swipe the card 6 times for free. The annual fee 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.

Which bank is easier to apply for a credit card and has a higher limit?

For many friends who want to apply for a credit card, the question they often ask is which bank is easy to apply for a credit card and has a high limit. So which bank is easier to apply for a credit card with a larger credit limit? Today we will take stock of several banks with a high success rate and high card limit.

Which bank has the best credit card limit?

1. China Merchants Bank

If you are a cardholder who has never applied for a credit card, it is generally recommended to apply for a credit card from China Merchants Bank first, because the threshold for applying for a card is not high and the benefits are more practical. As long as all the information is filled in and the credit check is passed, you can basically get a credit card with a limit of 5,000-10,000, and then use the card well within 3-6 months after purchasing the card, and the first limit increase will be around 30 of the original limit. . China Merchants Bank pays more attention to the number of credit card swipes, so no matter how big or small the amount is, the actual consumption is enough.

2. Bank of Communications

Bank of Communications is definitely a bank that a large number of cardholders love and hate. The threshold for applying for a card is very low, and you can easily apply for a credit card with a large limit. It is very suitable for novice card friends to apply. The card application rate of Bank of Communications online application is also famously high, and the card application amount is basically more than 10,000. If you have a stable job, a high degree of education and no bad records, then it will be approved in seconds. However, Bank of Communications's risk control is also notoriously strict. Your credit limit is often like riding a roller coaster, rising and falling. The credit limit that you have managed to raise will be reduced to the level before liberation in minutes.

3. Shanghai Pudong Development Bank

Shanghai Pudong Development Bank’s credit limit increase is very fast, but if you want to apply for a card, you still need to have good credit and complete personal information. If you apply for a card through purchasing financial management, the limit will be higher.

You don’t need to be too cautious when using your Pufa card, but you have to make real purchases, especially when participating in bank activities. Otherwise, you will be warned of a reduction in your credit limit and you will be asked to upload consumption vouchers.

4. Guangfa Bank

Guangfa Bank has a lot of activities, the probability of placing large-value cards is also high, and the limit is increased quickly. If you have fixed assets, it will be easier to apply for a large-value card, or you can apply for a large-value card using a credit card. However, GF's risk control is also very strict. If there is a record of illegal use of the card, the balance will be reduced after repayment, so do not use the card illegally, let alone use the card beyond the limit. There should be a limit of 30 in the card.

That’s it for the introduction of credit cards with high limits when applying online.