The credit card application is related to our personal qualifications in the bank. With good assets and good credit information, we have a high quota for all banks, which is easy to approve. Under the same qualifications, China Merchants Bank has the highest quota and the least interest.

if our assets are average, but our credit information is good, we can try to apply for China merchants bank and industrial bank, which offer relatively high quotas and are easy to approve.

the difficulty of getting a card is still related to one's own qualifications. A person with a stable job income and a social security accumulation fund is quite different from an individual industrial and commercial household who refuses to pay social security.

the interest depends on whether you spend by credit card, installment or cash withdrawal. Different uses have different interest rates. Please judge according to different uses of a bank's card.

China Merchants Bank, the application conditions are simple, as long as we have a fixed job, the approval is simple, and the amount given is higher than that of other banks, and China Merchants Bank has more credit card activities and more credit card points.

Industrial Bank, like China Merchants Bank, can only apply for a permanent job, and the approval time is extremely fast.

if our assets are generally overdue, or our assets are in good condition, but our credit records are overdue for more than four months, or we are pure white households, then I suggest you apply for credit cards from the four major banks as much as possible, with ICBC and Agricultural Bank giving priority.

Why do you give priority to ICBC and Agricultural Bank? Because these two banks have lower requirements for credit card applicants and lower requirements for credit reporting.

Application skills:

We want to apply for a high amount of money, and it is easy to examine and approve. You must make good preparations, choose an application bank according to our asset conditions and credit status, and then apply to the bank in advance for bank running or regular financial management, so as to better pass a higher amount.