Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
Which bank has a large credit card?
ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card are all easy to apply for high credit cards.
1, ICBC credit card
It is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then, it is easy to apply for a card and the amount is high. The average card amount is about 40 thousand.
2. Agricultural Bank Credit Card
If you have good credit information and a stable source of income, you can apply for a credit card of Agricultural Bank of China. Of course, your repayment ability and consumer demand have a great influence on your credit card limit, with an average credit card limit of 35 thousand.
3. China Everbright Bank Credit Card
The threshold for getting a card is low, but the amount is not low. The average amount of the card is around 30 thousand, so it is easier to withdraw cash.
Extended data
Matters needing attention
1. Remember the billing date and repayment date when you arrive at the credit card;
2. If you can use it yourself, don't lend it to others;
3. Sign on the back of the credit card to protect the package security code;
4. More consumption can accumulate credit and increase the quota;
5. Participate in bank preferential activities, bonus hunter;
6. Make good use of the interest-free period of credit cards and repay them in time;
7. Credit cards have an annual fee, and grasp the standard of annual fee reduction;
8. Make a good record of using the card, and don't overdue or cash out.
What bank has the best credit card with a high amount?
Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.
Supplementary information:
Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.
Extended data:
1. The application conditions of China Merchants Bank credit card are:
1. Applicant 18 to 60 years old, with China nationality.
2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.
3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.
4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.
The applicant should have good personal credit.
As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.
6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).
Two. Basic conditions for credit card of China Everbright Bank:
1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.
2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.
Which bank has the best credit card and the highest amount?
Bank credit card audit mainly depends on the applicant's credit situation. The better the credit conditions, the easier it is to apply for a credit card and the higher the amount. If you want an easy credit card with a high credit limit, it is recommended to choose ICBC, Agricultural Bank of China and China Everbright with a high credit limit.
1, ICBC credit card
It is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then, it is easy to apply for a card and the amount is high. The average card amount is about 40 thousand.
2. Agricultural Bank Credit Card
If you have good credit information and a stable source of income, you can apply for a credit card of Agricultural Bank of China. Of course, your repayment ability and consumer demand have a great influence on your credit card limit, with an average credit card limit of 35 thousand.
3. China Everbright Bank Credit Card
The threshold for getting a card is low, but the amount is not low. The average amount of the card is around 30 thousand, so it is easier to withdraw cash.
Credit card application
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
check
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
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After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Which bank has a good credit card and a high quota?
Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.
1, Industrial and Commercial Bank of China: Cosmos credit card.
Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!
In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.
2. Bank of China: Taobao Credit Card
In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend any amount for 5 times.
3. Agricultural Bank: Upgrade mom's credit card beautifully.
This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.
You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.
4. China Construction Bank: Global Hot Purchase Card
This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.
Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.
The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!
Which bank has a good credit card and a high quota?
Easy to apply for a high credit card:
It is very easy to apply for credit cards, such as ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card, with high quotas. 1, ICBC credit cards are more suitable for people who have business dealings with ICBC, and they have assets in ICBC, so it is very easy to apply for cards, and the amount is high, with an average card amount of about 40,000.
2. ABC's credit card is excellent and its economy is stable.
High credit card limit and low interest rate?
The maximum limit of the endless card is about 500,000 yuan. ICBC and Minsheng Bank's credit cards do not charge fees for withdrawing money from local banks (there are only two in China at this stage). In fact, all credit cards in China are overdrawn at a daily interest rate of 0.05%, and there is no such thing as the least interest.
First, China Merchants Bank. To say which bank's credit card is easy to handle, I have to say China Merchants Bank. As long as there is no bad credit, even college students who have just graduated from school and worked soon may be granted credit cards above 10000. However, you must choose the card in advance. This is the youth card of China Merchants Bank.
Second, China Guangfa Bank. According to the applicant's feedback, the credit card application threshold of Guangfa Bank is low, and the credit card quota is generally low, but fortunately, it is easier to raise the amount. As long as you use your credit card frequently and repay in full and on time, you will not be rejected if you call customer service to apply for withdrawal.
Third, Industrial Bank. Industrial Bank's credit card application threshold is also quite low, with many credit card activities, many points and rich gifts. Ordinary credit cards of Industrial Bank are generally free of annual fees in the first year, while gold cards need to meet the corresponding credit card conditions or points.
In addition, there are China Everbright Bank, Huaxia Bank and Bank of Communications. And it's easy to get a credit card. At the same time, when applying for a credit card, there are more and more cases of providing real estate, and the card issuance rate is higher. Friends who want to apply for a credit card recently can consider applying for these banks.
There are ICBC credit cards, Agricultural Bank credit cards and China Everbright Bank credit cards. But the interest on all bank credit cards is the same. Cash withdrawal and penalty interest are both five ten thousandths of the daily interest, and compound interest is calculated monthly, but the cash withdrawal fee and installment fee of bank credit cards are different every year.
The final amount of application depends on personal economic proof (such as work or income proof, real estate license, car driving license, etc.). ) submitted at the time of application. The more proof materials are submitted, the higher the amount.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
What kind of credit card is easy to handle? Let's stop here.