Which bank credit card is the best?

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, 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 credit cards are the easiest to apply for?

Which bank’s credit card application is the easiest to apply for?

What are the easiest credit cards to apply for from major banks? Regarding applying for a credit card, I believe many friends are finding it increasingly difficult to apply for a credit card. However, in order to seize the market, different banks will launch several flagship cards with low application thresholds, many activities, and high strength. These are also the "easiest to apply" credit cards for each bank. If you have the same qualifications, you only need to start with them. The success rate of your application will also be higher!

1. China Merchants Bank

China Merchants YOUNG Card

Card Highlights: The cash withdrawal ratio is as high as 100, and the first cash withdrawal per month is free of charge, and once successfully processed, The cash withdrawal ratio of other China Merchants Bank credit cards under the cardholder's name has also been increased to 100! It must be the first choice for friends who often withdraw cash! At the same time, new customers will get a men’s Gillette grooming set for free by swiping their card! Girls give it to their boyfriends as gifts to their colleagues, and boys give it to themselves, both are good choices!

Suitable for the crowd: fashionistas, moonlighters

2. Guangfa Bank

Guangfa True Love Credit Card

Card Highlights: Guangfa True Love Credit Card It 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!

Suitable for: fashionable white-collar workers, young hot moms, shopaholics

3. China CITIC Bank

Which bank is easier to apply for a credit card online

1. It is quite easy to apply for a credit card online with Bank of China. You can log in to the bank’s official website and personal online banking to apply for a credit card. Because the Bank of China's online application page is simple and clear, you can clearly see all the credit card types and click to apply according to your needs. Under normal circumstances, online application is about 5 to 7 days faster than over-the-counter application.

2. When applying for a credit card online from China Guangfa Bank, it only takes about 10 to 15 minutes to complete. Moreover, Guangfa Bank’s card issuance speed is fast, convenient and confidential. If all your conditions are correct and your personal credit is good, you can receive your credit card within 2 working days. Yes, you read that right! China Guangfa Bank is so fast. However, it should be noted that because the bank will want you to verify your information, you must always check your mobile phone communications!

3. According to card friends, online application for China Merchants Bank credit cards is particularly easy. And the online application process is relatively simple. If your friend has a China Merchants Bank credit card, you can ask your friend to recommend applying for the card, so that the credit card application process will be much faster.

4. It is particularly easy to apply for an ICBC credit card online. Just like China Merchants Bank, as long as your friend has an ICBC credit card or debit card, you can quickly apply for a credit card online.

Which bank’s credit card is best to apply for

Relatively speaking, credit cards from commercial banks are easier to apply for than the four major domestic state-owned banks. 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 increase slowly.

A bank where it is easy to apply for a credit card

1. Guangfa Bank Credit Card

Guangfa Credit Card has many activities, a large limit and is easy to apply for. Therefore, there are loyal fans of Guangfa Bank a lot of. The easiest credit card to apply for is, of course, the GF Zhenqing Credit Card.

2. China Merchants Bank Credit Card

The best card to apply for is the China Merchants Young Card. This card is one of the most popular among 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. If the cash withdrawal limit with a maximum credit limit of 100 is not enough, then the first cash withdrawal in each natural month is free of charge

3. Ping An Bank Credit Card

Ping An Bank Credit Card is very down-to-earth , such as the car owner card for car owners, the standard card for supermarket shopping, the platinum card for airport discounts, and the green channel to go directly to the cinema. Card promotions cover food, fitness, entertainment, shopping, etc. The most popular and easiest credit card to apply for.

4. CITIC Bank Credit Card

CITIC Bank’s online application for credit cards is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours! The verification information is very simple, just make a photocopy of your ID card, and there are many promotions, such as points for refueling, cash back when you spend enough, free food, free movie tickets, etc.

5. Everbright Bank Credit Card

The installment fee of Everbright Credit Card has always been the lowest in China, and the approval success rate is high. The card can be obtained as soon as one day. It is well-known among card friends. All pretty good. Ten Yuan Hui Life creates the most affordable food, drink and entertainment activities.

The application materials are as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back is required), military personnel need to provide a copy of the military ID card

2. Work certificate: It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or A copy of the original and marked work permit/plate that has been verified by the promoter;

3. Proof of financial resources: it can be salary records issued by the bank, or income tax withholding certificates, or houses, cars, deposits and investments Market value certification documents (such as real estate certificate/car driving license/copy of bank time deposit certificate) and other information that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.

What credit card is best to apply for?

Although the basic conditions for applying for credit cards in major banks are similar, in fact, the application thresholds for credit cards of each bank will be slightly different. For example, the four major state-owned banks, Usually the review is strict. If you are a first-time credit card applicant and your personal qualifications are not particularly good, it is recommended to avoid the four major banks and choose a small commercial bank. Below I will introduce to you some credit cards that are easier to apply for.

1. Bank of Communications credit card. For white accounts, it is recommended to apply for a Bank of Communications credit card as your first credit card. Bank of Communications credit card applications are usually approved and rejected within seconds, and the card limit is usually 5,000 to 15,000. For example, Bank of Communications' Y-POWER card is a credit card issued for young people and is more suitable for people with average qualifications. According to users who have applied for this card, the card issuance target is mainly for young people (under 30 years old) and is suitable for For young people with average qualifications, Bank of Communications Y-POWER card has a higher approval rate;

2. China Merchants Bank Credit Card. China Merchants Bank is the bank with the fastest credit card limit increase. The China Merchants Bank Young Card is also an easier credit card to apply for. It is an exclusive card for young people. Those who have just started working can apply as long as they are over 18 years old and have a formal internship contract.

3. Shanghai Pudong Development Bank Credit Card.

Shanghai Pudong Development Bank has a Youth Card, which, like Bank of Communications' Y-POWER card and Commercial Bank of China Young Card, is a credit card for young people and is easier to apply for;

4. CITIC Bank Credit Card. CITIC Bank's credit card application threshold is not high. For example, CITIC Taobao co-branded card is a credit card chosen by many users who like Taobao shopping. If you like online shopping, you can try to apply.

5. Everbright Bank Credit Card. China Everbright Bank's standard credit card is a low-threshold credit card and is relatively easy to apply for.

Tips for novices to apply for credit cards

1. Choose a bank with more outlets. It will be more convenient to handle business at more outlets; for example, China Merchants Bank and Bank of Communications have more outlets and can handle The threshold for credit cards is low and is more suitable for users who are applying for a credit card for the first time;

2. Choose the type of credit card that suits you. There are many types of bank credit cards, and the one that suits you is the best. Applicants should choose the card type according to their own needs. If you like online shopping, you can choose a CITIC Taobao co-branded card; if you like traveling, you can choose an airline co-branded credit card;

3. Choose the card level that suits you. Credit cards generally have three levels: regular card, gold card, and platinum card. The higher the card level, the higher the requirements for applicants. If your conditions are average, then It is recommended to apply for a regular card.

This ends the introduction about which credit card is easiest to apply for and which credit card is easiest to apply for. Have you found the information you need?