Which bank’s credit card is easy to apply for?

1. Industrial Bank: The threshold for applying for a card from Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for the card, but 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 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.

How to apply for a credit card

1. Choose a bank and credit card type

1. Card issuing bank: At present, most banks are qualified to issue credit cards. You can choose according to your personal habits. Banks such as: construction, industry and commerce, transportation, investment promotion, CITIC, etc.

2. Credit card types: Credit card types include co-branded cards such as animation cards, game cards, car owner cards, food cards, etc. Different card types have different rights and interests.

2. Application Qualifications

1. Applicants must be 18 years old and have a stable income, have a fixed office address, and the company is equipped with a landline phone.

2. ID card, work certificate, social security, academic certificate, etc.

3. My mobile phone number and email address for real-name authentication.

4. Proof of assets such as: cars, real estate, certificates of deposit, etc. (special requirements for quotas).

3. Application method

1. Official WeChat public account of bank credit card.

2. The official website of bank credit card, such as: XX Bank Credit Card.

3. Apply at a bank outlet and fill in the application information with the help of the staff.

4. Credit card outlet promotion personnel will come to handle the matter.

When applying online, fill in your personal information truthfully. For door-to-door promotion, you need to provide original personal information such as ID card, work certificate, etc.

4. After the information is submitted

1. After the information is submitted, it will be reviewed by the staff of the credit card outlet. Generally, a return visit will be conducted through the unit phone number and personal phone number for verification; some applications will be There were 2 random inspection visits.

2. Review time: Generally, the review is completed within 10 working days. After the review is passed, the card will be printed and mailed to the unit address.

3. Some banks have enabled rapid review, and review results will appear in a shorter period of time, but it still takes time to prepare and send the card.

5. Receive the credit card

1. After receiving the credit card, a usage guide will be attached. Follow the prompts to activate the credit card;

2. Credit card activation method It is divided into: phone activation, bank APP activation, and business outlet activation;

3. For outlet activation, you need to bring the original ID card and original credit card.

4. Remember the billing date and repayment date of your credit card, repay on time and maintain good credit.

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

Relatively speaking, commercial banks are easier to apply for than credit cards of the four major state-owned banks in China. 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, fast, and 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 gas.

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. Verification of information is very simple, as long as a copy of the ID card is provided. 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 gradually increase.

Which bank credit card is easy to get and has a high limit?

Many friends have asked which bank's credit card is easier to apply for. I'm afraid I have to answer you, you have to choose from a commercial bank. The four major state-owned banks will be relatively more difficult. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgrade Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, special discounts on air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to everyone. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

Which bank credit card is easy to apply for?

Credit cards with good reputations and creditworthiness currently on the market include: China Merchants Bank Credit Card, Ping An Bank Credit Card, China Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card, etc. They are all good choices. Of course, credit cards The specific amount depends on individual qualifications. It is impossible to generalize which bank's credit card is the best, as long as it suits the user himself, it is the best. The following is the situation of some bank credit cards:

1. Industrial and Commercial Bank of China: Easy repayment, high credit limit, but the application conditions are strict.

2. Bank of China: The credit limit is low, the activity points are relatively few, and repayment is convenient.

3. China Merchants Bank: The success rate of card application is high, the credit limit is relatively high and there are many activities, and repayment is also very convenient. It has powerful functions, many types of cards, high efficiency, high-quality services, you can adjust the consumer credit limit at any time, powerful online banking, lifetime points system, and the latest card loss protection plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good.

4. China CITIC Bank: There are many discounts and strong discounts, but the credit limit is average. The interest-free period is up to 56 days, text message reminders are free, and consumption details can be checked via mobile text messages.

5. China Everbright Bank: It has a high success rate in applying for a card, a higher limit and a faster limit increase, and many points activities.

6. Guangfa Bank, no need to submit any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, someone at the card center will contact you within 15 working days to check your credit. The result is that Guangfa Card has relatively powerful functions, a very favorable points policy, many discounts, timely text message reminders, and online payment. It is relatively mature and supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary.

7. HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent promotions are generous. The points are valid for 2-4 years, which is not very good, but the points can be exchanged.

Which bank credit card is easy to apply for

Credit cards from China Merchants Bank, Everbright and Ping An Bank are relatively easy to apply for.

Supplementary information:

It is very simple to apply for credit cards from China Merchants Bank, China Everbright, and Ping An. All you need is your work badge, medical insurance card, and ID card.

China Merchants Bank can also directly apply and fill in the information on the official credit card website, and the bank will send the credit card after verification. In terms of quotas, these three will also be higher than the four major state-owned banks.

Extended information:

1. The application conditions for China Merchants Bank credit card are:

1. The applicant is between 18 and 60 years old and has Chinese nationality.

2. Applicants must have a relatively stable job and income, with an average monthly income of no less than 3,000 yuan.

3. The applicant must provide the bank statement of the salary card and the list of personal social security accounts for the past 6 months. If you have a car or a house, you can also provide a real estate certificate and a car driving license.

4. Applicants must have a fixed place of residence and be able to provide proof of permanent residence, daily payment receipts, etc.

5. Applicants must have good personal credit.

As we all know, the requirements for applying for a credit card from China Merchants Bank are that you are over 18 years old, have a stable job and income, have a qualified personal credit report, etc.

6. Applicants for China Merchants Bank credit cards must have certain financial ability and no bad credit record. Applicants should be between 18 and 60 years old (overseas applicants are between 25 and 60 years old).

2. Basic conditions for Everbright Bank credit card:

1. Credit card applicants must be between 18 and 65 years old (inclusive), have full capacity for civil conduct, and be legally stable Income and personal credit report in the People's Bank of China are in line with China Everbright Bank's card issuance conditions.

2. A valid original ID card must be provided upon request (including but not limited to domestic resident ID card, foreigner’s passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, etc.).

Which bank credit card is easier to apply for?

Banks that are easy to apply for credit cards include Everbright Bank, Ping An Bank, Shanghai Pudong Development Bank, CITIC Bank, Bank of Communications, etc.

1. China Everbright Bank

China Everbright Bank Credit Card Center was founded in July 2003 and officially established at the end of 2003. It is directly under the head office of China Everbright Bank and is a state-controlled, international financial organization. Within the framework of participating in a national joint-stock commercial bank, it serves as a credit card center for consumers. There are many ways to join a class, which is very convenient.

2. Ping An Bank

Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to having credit card consumption, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel". Easy to handle.

3. Shanghai Pudong Development Bank

The Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Any natural person who is over 18 years old, has full capacity for civil conduct, has legal and stable sources of income and solvency, and has good credit standing. You can apply with your valid ID and other documents required by the credit card center.

4. China CITIC Bank

On December 8, 2003, China CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million. It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market. Processing is quick and easy.

5. Bank of Communications

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Bank of Communications' credit card products are named "Pacific", such as: Pacific Dual Currency Credit Card, Pacific Y-power Credit Card, Bank of Communications Pacific Walmart Credit Card, Bank of Communications Pacific Suning Credit Card, Bank of Communications Hong Kong New World Department Store Credit Card and Pacific Business Card, etc. . Processing is quick and easy.

This is the end of the introduction about which bank’s credit card is easier to apply for and which bank’s credit card is easier to apply for. I wonder if you found the information you need?