For card friends, of course, everyone wants to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose them? Which credit cards are easy to handle?

1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate by binding customers' Taobao accounts. CITIC Bank's card approval speed has always enjoyed a good reputation among card users. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now, CITIC Taobao Card is processed through the network, and the first quick payment is reduced to 30 yuan. Don't miss this offer!

2. Guangfa True Love Card, the first exclusive credit card for women in China, is designed with a transparent card version and advocates the concept of "independence, calmness, intelligence and frankness" in women's life. It has the service functions such as triple points plan and self-selected insurance plan, and enjoys many merchant discounts, giving women more personalized choices and more caring services. More importantly, it is simple and quick to handle this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.

3. Guangfa Car Owner Card, specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy the national 100 km free road rescue service, 5 times credit card refueling points or 1% cash back discount, choose high insurance coverage and many other functions and benefits. The application of Guangfa Owner's Card naturally reduces a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for a credit card by providing their car's driving license!

4. New customers of China Merchants Bank QQ co-branded credit card can get a gift of American traveler's fashion shoulder bag over 388 yuan. New card customers only need to swipe their cards three times in two months, and each time they spend 188 yuan, they will get a 388-yuan American traveler fashion shoulder bag. The first cash withdrawal every month is free.

The best card of China Merchants Bank is China Merchants Youth Card, which is one of the most popular and favorite cards for young people. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts. If the maximum withdrawal amount of 100% credit line is not enough, the first withdrawal fee will be added free of charge every natural month!

6. Ping An Bank's credit card is very grounded, such as the owner's card dedicated to the owner, the standard card for supermarket shopping, the platinum card discount at the airport, and direct access to the cinema. Card promotion covers food, fitness, entertainment, shopping and so on. The most sought-after and easy-to-handle credit card.

How to apply for a credit card online

You can apply for a card online.

I. Online application process:

1. Enter the bank card application page through the ICBC portal or personal online banking.

2. Select the provinces and cities to apply for bank cards, and click Apply.

3. Fill in the application information completely according to the prompt requirements, designate the card receiving outlets, read the Instructions for Safe Card Use and the Automatic Repayment Business Agreement of China Industrial and Commercial Bank, and confirm whether you agree with the applicant's statement;

4. After confirming the applicant's statement, you can click "Submit" to complete the application process. After submitting the application, you can click "Continue to apply" to enter the product selection page and continue to apply for other products.

5. You can check the card processing progress through the counter, telephone banking, portal website or personal online banking.

6. After receiving the card, the reservation card collection outlet will send a card collection notification message to the applicant.

7. After receiving the card receiving notice, the applicant must present his/her valid ID card to the designated card receiving outlets for receipt confirmation, card receiving and business opening.

2. Which banks can handle cards online?

If you are the first card, there are many online applications. To be exact, common banks, especially those with lively ideas, such as China Merchants, CITIC, Transportation and Guangfa, can apply online. But in view of the bank's audit, you and the bank people need to see it in person. China Merchants Bank is a salesman who visits your company after you apply, as well as CITIC, Communication, etc. I will give you a card after the online preliminary examination, but this card can't be used for the time being, and it can't be officially opened until you personally take the card to the bank outlet for face-to-face signing. Otherwise, if not all applications are submitted by myself, it will violate the regulations of the CBRC. If you are not the first card, that is to say, you already have the bank's card and apply for a second card, then industry and commerce, construction, investment promotion, CITIC, transportation, people's livelihood, industrial development, etc. You can basically apply online.

3. What are the requirements for online card processing?

1. First of all, the credit card held by the applicant is in normal condition and has no bad credit record.

2. According to the information from the public channels, the banks that support credit card swiping at present are: China Bank, Bank of Communications, Shanghai Pudong Development Bank, China Everbright Bank, Huaxia Bank, Industrial Bank, Ping An Bank and China Guangfa Bank. Generally speaking, for these banks, the card with the longest service life and the highest amount in your hand will be more popular. However, you still need to consult the customer service of all banks. Each bank's card-to-card mode has its own rules.

3. When applying for a credit card, try to provide personal financial proof, such as: copy of self-owned property certificate, original and copy of motor vehicle driving license, copy of bank deposit (living) certificate, or copy of academic certificate, etc. 4. The service life of the reference card in your hand should meet the standard, at least for half a year, with a limit of not less than 5000 and no bad records. In addition, the number of cards in a person's name should not be too much. For ordinary people, four cards are almost the same.

Can I apply for a credit card online?

To apply for a credit card, you can naturally apply online, and customers can apply directly through online banking, mobile banking client or credit card app. After the application is submitted, the bank will review it, and after it is approved, it will immediately make a card and send it to the customer. After the customer receives the card, the card will be activated and can be used.

However, it should be noted that if it is the first time to apply for a bank credit card online, you may have to go to an offline outlet for a face-to-face interview later. If it is not the first online application, if it has been done before, it is generally not necessary to sign it in person.

If you apply for a savings card, it depends on the regulations of the bank. Some of them must go to the outlets and there is no way to handle it through online channels. Others can apply through personal online banking, but they still have to go to the outlets to apply for cards; Some customers can also mail cards directly after applying online, but some need to sign in person. I suggest that you can call the customer service of the bank, and then the customer can choose the bank card that can be applied online.

Can I apply for a credit card on my mobile phone?

You can apply for a credit card on your mobile phone.

You can apply for a credit card on your mobile phone. Users can apply for a credit card through the mobile banking app, micro-signal, and the application portal of a third-party cooperative organization. No matter what channel they apply for a credit card, the application materials will be uploaded to the issuing bank for review. And the different application channels will not affect the credit card audit results.

Generally speaking, if you apply for a credit card through a mobile phone, even if you successfully apply for a card, the initial credit limit of the credit card will generally be relatively low.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is for ordinary consumption, and there is no cash in the cards. In many cases, it is enough to return the consumption amount on time.

You can spend without deposit overdraft, and enjoy an interest-free period of 20-56 days to repay on time without any charge (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, but ICBC will only charge interest).

It is not only safe and convenient to swipe your card when shopping, but also a bonus gift.

Special merchants who hold cards in banks can enjoy preferential treatment.

Accumulate personal credit, add credit records to credit files, and benefit for life.

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending, and it is best not to withdraw cash, which is very expensive and uneconomical).

Credit card spending, some credit cards get existing points, and various discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card; Most credit cards pay online without points, but online payment is very convenient and fast.

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it to electronic statement).

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses.

Can I apply for a credit card online?

You can apply for a credit card online. Generally speaking, applying for a credit card online should be done on the official website of the issuing bank. The official website interface layout of different banks may be different, so pay attention to the distinction when using it. The specific application steps are as follows:

1. Open Baidu browser with your mobile phone and log in to official website, the bank to which your credit card belongs.

2. Find the "Credit Card" option in the main menu on the home page, and click to enter the credit card business page to handle our credit card business.

3. The menu item "Credit Card Application" is generally obvious on the credit card business page. Find "Credit Card Application", and find "Do Card Now" in the column of "Credit Card Application" to enter the personal credit card online application page.

4. After entering the personal credit card online application page, the varieties and types of all credit cards of the bank will be listed in the webpage for the applicant to choose. After choosing the right credit card, the next step is to fill in the information. According to the process set by the webpage, fill in the basic personal information first, then fill in the information such as income status and work status, then read the relevant credit card statement agreement of the bank and click the consent agreement, and then submit the application.

5. Just wait after submitting the application. During the waiting period, the bank will review and evaluate the applicant's information to see if he can repay the credit card. After the approval, the bank will make a card for the applicant and mail it to the applicant.

Operating environment:

Brand model: iPhone 13

System version: iOS 15.0

Application version: v 13.2

The requirements for online credit card application are the same as those for counter application. Applicants are required to be between 18-65 years old, able to afford the maximum amount of credit card application, and have no record of bad behavior in the bank credit information system. If a guarantee company or individual is required to guarantee the card, it is necessary to show the guarantee qualification materials of the guarantee company or guarantor. In addition, different banks have different requirements for credit card types, which shall be subject to the bank's interpretation.

Benefits of credit cards:

1. Handling a credit card can effectively solve the problem of insufficient funds for users. Credit card handling does not require loans or borrowing money from others.

2. Using credit card has rabbit interest time, so users can invest their own money and pay it back in the future repayment time, which effectively improves the utilization rate of funds.

3. Credit card issuers will cooperate with merchants, and users can enjoy preferential treatment; 4, credit card repayment on time can increase a good credit record.

These are the benefits of credit cards.

Advantages and disadvantages of credit cards:

1. Some service personnel may overspend during cardholders' consumption, or steal credit cards for other merchants' consumption, which may happen in both physical and online virtual merchants.

2. The credit system is still not perfect, and there is still a phenomenon of lax review in bank credit granting, insufficient protection of citizens' own information security, and serious credit card crimes.

3. Users' blind credit card spending may lead to excessive consumption and irrational consumption.

4. There is no interest-free period for credit card cashing, and users need to be charged a handling fee.

How to apply for a credit card online

You can apply for a credit card online in the following ways:

1. Log in to the official credit card customer service center of the bank, click Apply to apply for a credit card, fill in personal information and submit an application. Example: Open the official website of China Bank, click online credit card application in the convenience service column, select the required card type, click Apply Now, enter information according to the personal authentication prompt, and submit the information.

2. Pay attention to the official account of WeChat in the bank credit card center and apply. Example: Pay attention to the official account of "China Bank Credit Card" on WeChat, click My Account-Credit Card Application Recommendation-Online Credit Card Application | Self-help Fast Processing, select the appropriate card type, click Apply Now, and enter relevant information.

3. Log in to mobile banking and apply. Example: download and log in to the personal credit card software "Pocket Life" of China Merchants Bank, click Finance-Card Application, select the card type, fill in personal information and apply.

Credit card type

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

This is the end of the introduction about whether you can apply for a credit card online and whether you can apply for a credit card online. I wonder if you have found the information you need?