which bank has the easiest and fastest credit card processing?

China Merchants Bank, the first one, is the best credit card for individuals, with fast card issuance and high quota.

Attached is the credit card information of major banks:

1. Four major commercial banks: China Bank is very general, with a low quota and few points. The activities are all in a certain shopping mall, and there is no practical significance. Online banking is inconvenient. Convenient repayment.

China Construction Bank has a lower quota, but it is easy to get a gold card. Other things are the same as above.

Agricultural Bank of China, you don't have to do it. I applied for it for several months, but the outlets didn't hand in the list. It is a bank that pays little attention to the credit card business.

China Industrial and Commercial Bank is worth doing, with a high quota and overlapping quotas. For example, if you have one card, the quota is 1,, and another one is 1,, then your quota is 2,. This is the only bank in China with a superimposed line of credit. Besides, online banking is so cool that it can charge 5k directly at a time. Convenient repayment.

P.S: I wonder if you are from Beijing? If so, do it now, and send it back to Youdun.

2. Banks with better credit card development: China Merchants Bank is the first bank, which has a high quota and is easy to handle gold cards. The most important thing is that the points activities are very good, and other activities are often launched. In addition, online banking is very convenient to handle and use. Repayment is convenient.

Secondly, Guangfa Bank, for the same reason, has less activities and needs to pay attention to the website. Repayment is convenient.

3. Excellent small bank: I must say CITIC Bank. I don't know what other regions are like. 9 yuan movies are often held in Beijing (only six times are enough). All the movies I watched in the past two years are from 9 yuan (the original price ranges from 7 to 11), and there are many other activities, which are worth one. However, the amount is average, the repayment is inconvenient (it is better to have Laka), and online banking is also inconvenient. But the cards are all beautiful. It is important not to apply for CITIC's American Express card, because it will inevitably cost an annual fee.

China Everbright Bank has a high quota, and it can apply for a quota adjustment for half a year, which is generally doubled. The best thing is that the points are delivered in a cool way, often several times, and online transactions are also counted as points, which is the only one in China. Repayment is inconvenient, online banking is convenient, but once in 3 yuan, it's not so cool.

4. Other banks: Bank of Communications, online banking is convenient, repayment is convenient, and others have no advantages.

People's livelihood occasionally has activities (such as delivering milk), but others have no advantages. Have a local account with a high quota.

SDB has no advantages. I have cancelled my card.

Societe Generale, platinum card transaction processing, others have no advantages.

Huaxia has no advantages.

Bank of Beijing, Platinum Card is easy to handle. [img]

Which bank's credit card is easy to handle

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

Supplementary information:

Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have a work card, a medical insurance card and an ID card. China Merchants Bank can also directly apply for completing the information on 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 information:

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

1. The applicant is 18 to 6 years old and has China nationality.

2. Applicants should have a relatively stable job and income, with an average monthly income of not less than 3, yuan.

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

4. The applicant must have a fixed place of residence, and can provide proof of permanent residence and payment documents for daily life.

5. Applicants should have good personal credit.

As we all know, 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 have no bad credit record. The applicant should be 18~6 years old (foreigners are 25~6 years old).

2. Basic conditions for credit cards of China Everbright Bank:

1. Credit card applicants must be between 18 and 65 years old, have full capacity for civil conduct, and have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards of China Everbright Bank.

2. Original valid ID cards (including but not limited to domestic resident ID cards, foreign passports, Hong Kong and Macao residents' travel permits to and from the Mainland, mainland travel permit for taiwan residents, etc.) shall be provided as required.

what bank can handle credit cards quickly?

what bank can handle credit cards quickly?

Take a comprehensive inventory of the credit cards of banks around you

Four major state-owned commercial banks:

China Construction Bank:

Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year after three swipes;

2. SMS service is free;

3. The cash withdrawal fee is only .5%;

4. 5 yuan for loss reporting;

5. There is a credit card directly aimed at car owners, as long as there are cars with a displacement of more than 1.4, it can be easily handled.

Disadvantages: the gifts that can be exchanged for points are few and poor

Bank of China:

Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes;

2. SMS service is free;

3. The cash withdrawal fee is only 1%;

4. The handling fee for loss reporting is only in 4 yuan

Disadvantages: the points required for gift exchange are high, and the types of gifts are few

Industrial and Commercial Bank of China:

Advantages:

1. The American Express card is swiped 5 times a year, or the annual fee for RMB ordinary card is waived if you spend 5, yuan, or the annual fee for RMB ordinary card is exchanged for 2, points;

2. Cash withdrawal fee is free;

3. The overpayment will be recovered free of charge;

4. Only 2 yuan is needed to report the loss;

5. There are many outlets

Disadvantages:

1. SMS service fee is 2 yuan/month;

2. The points required to exchange gifts are high, and the types of gifts are few

Agricultural Bank of China:

Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes;

2. SMS service is free;

3. The cash withdrawal fee is only 1%;

4. The loss reporting fee is only in 5 yuan;

5. There are many outlets

Disadvantages: 1. There are few types of credit cards; 2. The card processing procedures are relatively cumbersome; 3. Less convertible gifts for points

China Merchants Bank:

Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year if swiped six times;

2. SMS service is free;

3. 6 yuan for loss reporting;

4. The integral gift is better

Disadvantages:

1. The cash withdrawal fee is 3%;

2. There are fewer outlets

CITIC Bank:

Advantages:

1. The annual fee for the first year is exempted once within one month after the card is issued, and the annual fee for the next year is exempted when swiping the card five times;

2. SMS service is free;

3. Send an accident insurance

Disadvantages:

1. The cash withdrawal fee is 3%;

2. Less outlets;

3. The loss reporting fee is high in 8 yuan;

4. There are many gifts, but the required points are high

Industrial Bank:

Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year if you spend 3, yuan for five times;

2. 5 yuan is required to report the loss

Disadvantages:

1. SMS service fee is 3 yuan/month;

2. The cash withdrawal fee is 3%;

3. Less outlets

Bank of Communications:

Advantages:

1. Free of the annual fee for the first year, free of the annual fee for the next year if you swipe the Y-POWER card three times, and free of the annual fee for other cards six times;

2. SMS service is free;

3. The cash withdrawal fee is only 1%;

4. 5 yuan is required to report the loss;

5. There are more outlets than other non-state-owned commercial banks;

6. There are many gifts that can be redeemed by points

Disadvantages: I haven't seen them yet, but the overall evaluation given by colleagues who use the Bank of Communications credit card is general

Guangfa Bank:

Advantages:

1. Free of the annual fee for the first year, and free of the annual fee for the next year after swiping for six times;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send an insurance copy;

5. There is a discount for handling the card

Disadvantages:

1. The SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less outlets

Shanghai Pudong Development Bank:

Advantages:

1. No annual fee for the first year;

2. Free SMS service fee;

3. No loss reporting fee;

4. Get back the handling fee without overpayment

Disadvantages:

1. Whether to exempt the annual fee in the following year is determined according to the credit card record and repayment record;

2. The card replacement fee for damaged cards is high, which requires 8 yuan;

3. The cash withdrawal fee is 3%;

4. Less outlets

Shenzhen Development Bank:

Advantages:

1. No annual fee for the first year;

2. Cash withdrawal fee is 1%;

3. 5 yuan for loss reporting;

4. Only 2 yuan is needed to make up the bill handling fee

Disadvantages:

1. Only points can be exchanged for the annual fee of the following year, and some credit cards can only be exchanged for the annual fee of the following year after being swiped 12 times in the first year;

2. Less outlets

Minsheng Bank:

Advantages:

1. No annual fee for the first year;

2. Free of cash withdrawal fee;

3. Get back the handling fee without overpayment;

4. Send aviation accident insurance and provide preferential car on-site emergency assistance service

Disadvantages:

1. Most credit cards need to be swiped 8 times to avoid the annual fee for the following year, and some of them need to pay the 16 yuan fee;

2. SMS service fee 3 yuan;

3. 8 yuan is required for the loss reporting fee;

4. Less outlets

Everbright Bank:

Advantages:

1. Some cards are exempt from the annual fee for the first year, and the annual fee for the next year is exempted after three swipes;

2. Cash withdrawal fee is 1%;

3. Free SMS service fee;

4. 5 yuan is required to report the loss

Disadvantages:

1. Some cards are only exempt from the annual fee for the first year, and some cards are required to pay the annual fee for the first year;

2. There are fewer outlets

What banks can handle credit cards faster

Joint-stock banks such as Shanghai Pudong Development Bank and China Everbright Bank can handle credit cards quickly, either online or through third-party software, such as 51 Credit Card Manager or Alipay.

which bank is faster to apply for a credit card

If it is China Merchants Bank, our credit card promoters will forward your application materials to the audit department of the credit card center, and it usually takes 1 working days from the receipt of your application materials by the audit department to the completion of the audit of the credit card. If it passes the audit, the card will be made and sent within 2 working days, and the next day after issuance, there will be a notice of sending the card by SMS. After receiving the SMS, you can check the progress of sending the card 2-3 working days later. By default, the card will be sent to the customer's billing address by registered mail, usually within 15 days.

which bank can handle credit cards faster

Bank of Communications

I can handle Bank of Communications the fastest, and I will get my Friday card on Tuesday! 4 days

Which bank can handle credit cards quickly

safely. When you apply online, you will usually come to the door within 3 days.

What do you earn from a bank's credit card?

You will earn fees, interest and other expenses.

Credit card income mode:

1. Explicit income-reflected in the direct profit obtained by banks through credit cards, mainly including:

1. Interest income;

2. Annual fee income;

3. commission income of merchants or commission income from credit card swiping: when customers buy things and spend by credit card, merchants have to give a certain percentage of the transaction amount to the bank, which is also the main part of credit card income. This part of the rebate is usually shared by the issuing bank, UnionPay and the acquiring bank, which has been at the level of about 7:1:2 for a long time.

4. Cash withdrawal fee, punitive fee and some value-added service income: The former refers to the handling fee paid for cash withdrawal at the counter or ATM, which stems from the purpose of promoting credit card consumption and preventing risks by banks; The latter refers to the fine paid by the credit card for overdraft, which is to make up for the risk loss brought to the bank by the cardholder's default. These two parts account for a relatively small proportion of credit card income;

5. Income from other value-added services: for example, the expenses paid by cardholders to purchase goods by installment, which is actually similar to the intermediate business of interest income, but it is conducive to expanding consumption and controlling risks;

second, hidden benefits-mainly refers to the additional benefits brought by credit card business to banks, including locking accounts and funds and promoting other public and private businesses in coordination.

1. Lock accounts and funds: this is the most important hidden income. For example, if a merchant uses a bank credit card to purchase goods, and installs a POS machine of the bank to collect money for customers, and at the same time opens value-added services such as ordinary merchant installment (customers can pay by installment directly) and integral consumption, then the business process of the merchant will also be the process of bank expanding accounts and collecting funds.

2. Collaborate with other public and private businesses: banks can use some functions of credit cards to provide support for other businesses, such as the inter-bank repayment business of a certain bank, the purchase of wealth management products by POS machines over the counter, the banking and medical communication system, etc. (all kinds of cross-applications are available in other banks).

what bank credit card is easy to handle?

It usually takes 7-15 working days. The speed is determined by the internal audit of the bank, and no one can decide the audit progress of the bank.

To get a card and withdraw cash, please contact me ~

Which bank can get a credit card faster

Everbright can get a card in a week, and the fastest

What bank has a car can get a credit card fastest

The four major banks are slower, while other commercial banks with private capital are faster.

at present, the definition of private banks in academic circles can be roughly divided into three types: the theory of property right structure, the theory of asset structure and the theory of governance structure. The theory of property right structure holds that private banks are controlled by private capital; Asset structure theory holds that private banks are banks that mainly provide financial support and services for private enterprises; The theory of governance structure holds that all banks that adopt market-oriented operation are private banks. These three definitions list the characteristics of private banks from one side, but fail to form a comprehensive understanding of the essential characteristics of private banks.

which bank is easier to apply for a credit card? These are the cards that are easy to get off in the four major banks!

For card friends, of course, they all want 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? Which credit cards are easy to apply for?

1. CITIC Bank Taobao Card can greatly improve the efficiency and the success rate of card approval by binding the customer's Taobao account. CITIC Bank's card approval speed has always enjoyed a good reputation among card friends. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now apply for CITIC Taobao Card through the Internet, and make the first quick payment to reduce 3 yuan. Don't miss this offer!

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

3. Guangfa Owner Card is specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy 1 kilometers of free road rescue service nationwide, 5 times points for credit card refueling or 1% cash refund discount, and choose high insurance coverage and many other functions and advantages.