1, China Merchants Bank:

Speaking of low threshold and high quota, China Merchants Bank can't miss it. As long as there is no bad credit, even college students who have just graduated from school and worked soon may issue more than 10000 credit cards. However, you must choose the card in advance. This is the youth card of China Merchants Bank.

In addition, the risk control of China Merchants Bank is relatively loose. As long as there is no malicious overdraft, cashing and other illegal card use behavior, you can withdraw the amount after swiping the card for 3~6 months. If you pay in the middle, the withdrawal speed will be accelerated.

2. Industrial Bank:

Among many joint-stock commercial banks, Industrial Bank has a low threshold and a high quota, especially on Alipay and WeChat. With the help of comprehensive evaluation of big data and banking system, the card can be approved on the same day, and the amount is usually 10000. If you want to apply for a credit card of Industrial Bank, you can look at the Industrial Taobao Card and so on.

In addition, the risk control of Industrial Bank is relatively loose, especially the amount is relatively easy to be raised. Gold card credit card, 1 year, it is basically not a problem to raise the card amount to 50,000.

3. Guangfa Bank:

Guangfa Bank credit card is also known for its low threshold and high quota in the industry. Many white households can get at least 1000 credit cards when they apply for cards online.

However, the risk control of Guangfa Bank is also tightening recently. After getting the credit card, it is best not to use it illegally, otherwise it may be downgraded by the title.

(1) Credit card process

After users decide to apply for a credit card, they can apply for a credit card through bank outlets, bank official website and home visits by credit card staff. The specific procedures are as follows:

I. Bank outlets of credit cards:

Users can choose the bank they want to apply for, bring their ID cards directly to the bank outlets, and then inform the bank lobby manager that they need to apply for a credit card. At this time, the lobby manager will give you a credit card application form, fill in the information according to the requirements of the form, then take the number at the number machine, wait for the counter to call their number, and then go to the counter to submit the application form and personal ID card to the staff. After the submission is successful, the staff will handle it for the user and wait for the audit result.

Two. Bank official website handles:

Now every bank has its own official website. Users can visit the official website of their own bank, then find the credit card section on the homepage, click Enter, select the type of credit card they want to apply for, submit their application materials according to the page prompts, and then wait for the audit results.