Relatively speaking, credit cards of commercial banks are easier to handle than those of the four major state-owned banks in China. Each bank's credit card has its own characteristics and procedures. The credit cards of China Merchants Bank, Bank of Communications, China CITIC Bank and China Guangfa Bank 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.

First, China Merchants Bank Credit Card

The best credit card for China Merchants Bank is the YOUNG card, which is tailor-made for the younger generation. You can apply for a small white collar just after graduation, and college students who have reached the age of 18 can also apply for a formal internship contract.

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 money is quite high. Moreover, China Merchants Bank supports the WeChat withdrawal test. Once the test passes, it can quickly withdraw the amount, which is simple and rapid, which is so powerful.

Second, Bank of Communications Credit Card

The Y-power card for Bank of Communications is often recommended, with a cash withdrawal limit of up to 1%. There is no annual fee for the first year, and the annual fee for the next year can be waived by swiping the card six times, which is very powerful.

The usual activities are also super powerful, such as the annual necessary activities: the most red star period on Friday, the most super red star period on Friday, and weekly brushing. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

Third, Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently, supporting insurance policies. 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 car owners, because there are many gas concessions.

Fourth, CITIC Bank Credit Card

It is recommended to apply through the Internet, which is quite efficient. Generally, short messages will be accepted by the bank within 24 hours. Auditing information is very simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.

from time to time, CITIC's credit card activities are quite powerful. In recent years, the "9-point redemption" activity has gained a good reputation, but it has been criticized by everyone for adjusting its strategy. However, I still recommend its Platinum Card and JD.COM White Card.

V. Credit Card of Guangfa Bank

Guangfa is called an iron rooster, mainly because it is difficult to raise the amount, but there are still many preferential activities. The best credit card for 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.

VI. Credit card of China Everbright Bank

It is relatively easy to get the card, and the amount is high. You can apply for adjusting the amount for half a year, which is generally doubled at a time. The best thing is that there are many points activities, often several times the points are delivered, and online transactions are also counted as points.

Actually, at present, as long as your credit qualification is good enough, you can apply for a credit card at any bank. If you repay the loan in time and use the card reasonably, the credit limit will go up.