Banks with high credit card limits
1. Ranking of average bank credit card limits
First place: Industrial and Commercial Bank of China. The average card limit is: around 41,000;
Second place: Agricultural Bank of China. The average card limit is: around 35,000;
Third place: China Everbright Bank. The average card limit is: around 33,000;
Fourth place: Industrial Bank. Average card limit: around 24,000;
Fifth place: Hua Xia Bank. Average card limit: around 24,000 but slightly lower than Industrial Bank.
2. The maximum credit limit of each bank’s credit card
The maximum credit limit of ICBC Peony International Credit Card (dual currency): RMB account: 5,000 to 20,000; USD account: 1,000 to 2,000.
The maximum limit of the Industrial and Commercial Bank of China Peony Credit Card (RMB): 20,000
The maximum limit of the China Construction Bank Dragon Card Credit Card (dual currency): 50,000
< p>China Construction Bank Dragon Card Credit Card (RMB) Maximum Limit: 5,000China Merchants Bank Credit Card (Dual Currency) Maximum Limit: 10,000
Bank of Communications Pacific Credit Card (RMB )Maximum limit: 50,000
Guangdong Development Bank Credit Card (RMB) Maximum limit: 50,000
CITIC Industrial Bank Credit Card (Dual Currency) Maximum limit: 50,000
< p>The maximum limit of CITIC Industrial Bank’s credit card (RMB): 50,000The maximum limit of Shenzhen Development Bank’s development credit card (RMB): 50,000
In summary, the credit card limit of ICBC The highest, followed by Agricultural Bank of China and Everbright Bank, with quotas of more than 30,000. If it is easier to apply for a credit card, then the four major state-owned banks (the four major banks refer to the four major state-owned banks of agriculture, China, industrial and commercial banks, and construction) are obviously at a disadvantage. Among them, the best bank to handle credit cards is undoubtedly China Merchants Bank. In addition, in fact, after the development of ICBC in recent years, the threshold for applying for credit cards has also been lowered. Therefore, in summary, the ICBC credit card is the bank that is easy to apply for and has a high credit limit. Secondly, China Everbright Bank is not weak either. Small and medium-sized banks, such as China Merchants Bank, Communications Bank, and CITIC are all pretty good, and their credit limits are quite high.
Which bank has the highest credit card limit
1. Industrial Bank: Industrial Bank has a relatively low threshold for applying for a card. Applying on Alipay makes it easier to apply for the card, but it generally requires Sesame points. You can apply if you have a score of 620 or above. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be over 90%.
2. Everbright Bank: For Alipay users with a Sesame score of 620 or above, it is easier to apply for an Everbright credit card on Alipay. Many cardholders reported that they can be approved in seconds. Of course, you still need to choose the right card type in advance. . It is recommended that you apply for the Everbright Duck-themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank. However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.
3. Minsheng Bank: Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, the Sesame score of 600 or more can be approved in seconds, especially now that it is approaching It’s the end of the year, and the card approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.
4. GF Zhenqing Credit Card: GF Zhenqing Credit Card 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.
Which bank's credit card is easier to apply for and has a higher limit?
Relatively speaking, commercial banks are easier to apply for than credit cards of the four major state-owned banks in China. 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 Y-power card of Bank of Communications, which has up to 100% of the cash withdrawal limit. There is no annual fee in the first year of application, and it can be waived by swiping the card 6 times. The annual fee for the following year 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 gradually increase.
Which bank’s credit card is easy to apply for and has a large credit limit
Which bank’s credit card is easy to apply for and has a high credit limit
1. China Merchants Bank:
Speaking of low threshold and high credit limit, China Merchants Bank is the one you cannot miss. As long as there is no bad credit, even college students who have just graduated from school and have not been working for a long time may be able to approve credit cards worth more than 10,000 yuan. However, you need to choose a card in advance. Here we introduce the China Merchants Bank young card.
In addition, China Merchants Bank’s risk control is relatively loose. As long as there are no malicious overdrafts, cash outs and other illegal card use behaviors, you can increase the credit limit after swiping the card for 3 to 6 months. If you make contributions in installments in the meantime, the increase will be The speed is faster.
2. Industrial Bank:
Among the many joint-stock commercial banks, Industrial Bank has the lowest threshold and the highest credit limit. Especially when applying for cards on Alipay and WeChat, with the help of big data, Combined with the comprehensive evaluation of the banking system, the card can be approved on the same day, and the limit is usually starting from 10,000. If you want to apply for an Industrial Bank credit card, you can look at Industrial Taobao Card and so on.
In addition, Industrial Bank’s risk control is also relatively loose, especially it is easier to increase the limit. For gold-level credit cards, you can spend more with the card, and occasionally use the card in installments. The limit can be increased to 50,000 in one year after using the card. Not a problem.
3. Guangfa Bank:
Guangfa Bank credit card is also well-known in the industry for its low threshold and high credit limit. Many white households can apply for a credit card online and get a credit card with a limit of at least 10,000.
However, Guangfa Bank’s risk control has also been tightened recently. After getting a credit card, it is better not to use the card illegally, otherwise the card may be blocked and the credit limit reduced.
4. ICBC credit card is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then it is easy to apply for a card and the limit is high. The average card limit is about 40,000.
5. Agricultural Bank of China Credit Card. If you have good credit and stable financial resources, you can apply for an Agricultural Bank of China credit card. Of course, your repayment ability and consumption needs will have a great impact on your card limit. The average card limit 35,000.
That’s it for the introduction of which bank’s credit card limit is higher.