Banks that are easier to apply for credit cards include Bank of Communications, China Merchants Bank, Industrial and Commercial Bank of China, China Everbright Bank, Ping An Bank, etc.
The following is a detailed introduction:
1. Bank of Communications Credit Card:
The threshold for card approval is very low. You only need to provide ID card and work certificate (i.e. work permit) , a badge, or proof of income stamped with the official seal of the unit is also acceptable, or even the original business card and a copy of the pass of the public institution are acceptable)
The overdraft limit is not very high, of course the information provided is relatively Comprehensive, and the amount of proof of ownership of real estate, cars, etc. will be much higher. Bank of Communications's interest-free period for consumption is relatively long at 56 days. In addition to the YONG-POWER card, you can apply for installment repayment for a single purchase of more than 1,500. There is no free SMS reminder function for transactions, and there is a transaction reminder SMS service of 3 yuan per month.
Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan in cash, you will also be charged 10 yuan.
Points: one dollar per point, easy to accumulate, no points for cash withdrawal.
2. China Merchants Bank Credit Card:
The threshold for card approval is not high. It is the number one credit card brand in China. Its card issuance is second only to Industrial and Commercial Bank of China, and its overdraft limit is relatively higher than that of Bank of Communications. It is higher than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on property and income. The longest interest-free period for consumption is 50 days.
Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. The online mall is quite good and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card. The credit card has a good reputation. good.
3. ICBC Credit Card:
As the largest bank in the world, ICBC is the most powerful bank, but in fact it is not that superior. On the contrary, it has the largest number of credit card issuances. .
ICBC’s credit card requirements are not very strict. Many users with bad credit records have applied for a large number of cards, and there are even some cases of debiting cards from illegal accounts.
However, ICBC pays more attention to the user's contribution star rating and asset strength, so before applying for an ICBC credit card, you can apply for a savings card first, and then increase the contribution star rating (up to seven stars), and then have If you have the conditions, you can save some time deposits or buy precious metals and financial management, etc., and then apply for a credit card. It is best to provide proof of real estate, car license, etc. This operation is almost 100% successful, and the limit is not low.
4. China Everbright Bank Credit Card:
The threshold for card approval is very low, the overdraft limit is very high, basically higher than any other bank, and the longest interest-free period for consumption is 50 days. Automatic installment function. After the automatic installment function is activated, every time the card is swiped for consumption, regardless of the amount of the card, the payment will be automatically divided into 12 installments, which is more humane.
Cash withdrawal: The handling fee is 1%, with a minimum of 3 yuan per transaction, which is the lowest among all other banks.
Free text message reminder: a text message is automatically sent to your account for each transaction on your mobile phone and there are no charges.
5. Ping An Bank Credit Card:
Ping An Bank, which started out as an insurance company, has never been able to get rid of the characteristics of a salesman. Even selling a credit card can be the same as selling insurance. There are many merchant activities, but there are also many promotional activities and various spam messages. If you have a car, you can enjoy various value-added services, and the credit limit will increase very quickly. There are preferential treatment for girls when applying for cards, and some card types only require an ID card to apply.
Credit card application skills:
1. Specific personal conditions
Strictly speaking, which bank to choose to apply first depends on each person's conditions. For example: do you have a real job, do you have social security, do you have a check-in salary, are there any records of card application rejections in the past three months, do you have a lot of turnover on your frequently used savings card, do you have a house or car or other assets... Either way, you can choose different approaches.
2. Ignore the four banks, Industrial, Peasant and China Construction for the first time
Theoretically, these four banks have relatively high asset requirements, so to be on the safe side, there is no major interaction with these four banks. In this case, it is better to give priority to exclusion.
3. Start with commercial banks
The ten that are often mentioned are: Jiao, Zhao, Hua, CITIC, Pu, Guang, Ping, Min, Xing and Guang. But now these local banks are also good, such as Bank of Shanghai. These are the banks we prioritize.
From the data point of view, the above-mentioned companies that are easy to apply for those without three qualifications are: CITIC, Guangfa, Everbright, Pudong Development, etc. Of course, transportation and investment are also good.
4. Determine the bank and card type
First of all, from the perspective of application, banks that are better at issuing cards are generally banks that do more marketing, which means, If you open a web page and search for credit cards, the ones that appear most frequently are easier to apply for.
Because credit cards that are easy to search for will definitely invest more money in marketing, which means that only a larger number of card issuances and a better card issuance limit can cover this cost. Currently, the banks on the market that do a lot of marketing include China Merchants Bank, Ping An Bank and China Guangfa Bank. Interested friends may wish to try to apply.
5. Try to find a bank with more cooperation to apply for a card
From the general thinking of banks, the bank that is easier to issue a card is a bank that has an account with the bank. Generally, when applying When applying for a credit card, it is recommended to choose the issuing bank of your salary card to apply for a credit card, because in this bank, personal turnover is relatively high.
Personal bank flow is also a very important link in credit card approval. Therefore, friends in need can choose to try to apply.
6. Don’t apply for too many credit cards at once
Some users will apply for credit cards from several banks online because they are anxious to apply for a card. Doing so will not add points to your credit card application, but will have a negative impact on your credit card application, because the bank can see the card application status in the credit reporting system of the card applicant.