Which bank is the easiest to get the first credit card?
1, China Merchants Bank
Friends who have handled credit cards know that China Merchants Bank credit card has always been called "the first card in life". The threshold for issuing cards is low, the speed of issuing cards is fast, and the amount is still relatively high. It is very suitable for young people who have just worked and have a low income. Under normal circumstances, people who apply for a credit card for the first time can apply for a credit line of about 5000- 10000 yuan at China Merchants Bank.
2. Bank of Communications
I believe all the friends in the credit card circle know how quickly the Bank of Communications can get off the card. The credit card pass rate of Bank of Communications is one of the best among all banks. However, although the credit card for transportation is simple and fast to handle, the initial amount is generally not very high, and the control of Bank of Communications has always been very strict.
3. China CITIC Bank
CITIC Bank's "I White Card" has always been called "the first platinum card for young people". Although the slogan is exaggerated, CITIC Bank has always been very tolerant of newcomers. Newcomers who apply for credit cards at CITIC Bank can try to apply for CITIC Yibai. As platinum cards, they have some high-end card rights.
4. Guangfa Bank
When it comes to fast card issuance and high card issuance rate, Guangfa Bank's credit cards are definitely in the top rankings. In the credit card circle, Guangfa Bank is also known for its cash withdrawal speed. It is very suitable for users with stable work and dealing with emergencies. However, it should be noted that it is best not to have any credit stains on personal credit information.
Credit card processing skills
First of all, you should know your credit status. Credit status is an important basis for banks to approve credit cards. If you have a good credit record, you have a better chance of passing the examination and approval. You can check the personal credit report through the website of Credit Information Center of China People's Bank to see if there are any bad information such as overdue repayment, default and guarantee. If so, you should improve your credit status as soon as possible, otherwise it will be difficult for you to apply for any credit card.
Secondly, choose the bank that suits you. Different banks have different characteristics and advantages, so you should choose according to your own needs and conditions. Generally speaking, large state-owned banks are relatively stable and safe, but the examination and approval standards are also relatively high, and more information and proof are needed. Private banks or foreign banks are more flexible and innovative, but may charge higher fees and interest. So you should choose the right bank according to your income, work and residence.
Finally, pay attention to the details when applying. When applying for a credit card, you should fill in true and complete information, and don't hide or cheat. Otherwise, you may be refused or deducted by the bank. In addition, you should pay attention to the timing and frequency of smearing. Generally speaking, it is best to apply for a credit card at the beginning or the middle of the month, because at this time, the bank's quota is sufficient and the approval speed is relatively fast.
The above are the skills for banks and credit cards that are relatively easy to handle. I hope it will help everyone.