Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
Which bank is good for handling high credit cards?
Easy to apply for a high credit card:
In fact, no bank has a high credit card limit, so it is easy to apply. The key still depends on the actual situation of credit card applicants. If the credit card applicant has good credit information, high income and stable job, then the credit card quota is high and it is convenient to apply.
1, Agricultural Bank
First of all, several credit cards of ABC, such as leisure platinum card and national treasure card, are all very good, and their rights and interests are basically the same. Platinum card is mainly a vip channel of outlets, which allows experts to make appointments, assist in medical treatment, park parking and airport VIP rights. Agricultural Bank of China has many outlets and it is convenient to handle business. The most important thing is that ABC has many activities every month, but there are also some shortcomings, such as low quota.
2. Guangfa Bank
Secondly, the two credit cards of Guangfa Bank are very good. One is JD. COM, and the other is Guangfa Shang Zhen Platinum Credit Card. Needless to say, JD The joint name of COM must be related to JD.COM. New users can enjoy JD.COM Plus membership for one year with three purchases, and there are two unlimited credit cards every month. Guangfa Shang Zhen Platinum Credit Card enjoys the right of Longteng VIP Lounge and unlimited VIP Lounge of Guangfa High-speed Railway, which is quite good for friends who have been on business for a long time. Generally, it is faster to approve cards.
3. China CITIC Bank
Yanka of CITIC is very kind to koi fish. Generally, you can redeem points for videos after spending 9 days every month _ and you can also get payment from major shopping platforms. Finally, takeaway _ cost-effective. 88 yuan can enjoy 9 extra points for spending 3. This card is still beautiful and dull, with more activities, but fewer outlets, and the increase is not very fast.
4. Postal Bank
The youth unionpay card of postal service is also acceptable. This card has no good rights, but it is more practical, because it is free to withdraw cash for the first time every month, and there is no handling fee, which is quite good compared with other credit cards. However, this card is more difficult to handle, but fortunately, there are many outlets and activities in such banks, so it is still very good, but it is more difficult, especially without social security.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Which bank has the best credit card application quota?
Which bank has the best credit card application quota?
1, China Merchants Bank
As a commercial bank, China Merchants Bank will have a slightly higher credit card quota. In the credit card industry, China Merchants Bank has a reputation of high credit limit and fast card issuance. Among many credit card products of China Merchants Bank, YOUNG card is one of the most suitable cards for contemporary young people to apply for.
YOUNG card has a low threshold, the amount is generally more than 10,000 yuan, and there are many activities and benefits, which is very suitable for young people who just work.
2. Industrial Bank
The general credit line of Industrial Bank is 3000- 10000 yuan, and the credit line of gold card is 1-50000 yuan. If it is the first time to apply for a card, you can only apply for a general card with high probability. If you are a user who already holds a credit card and apply for a card at Industrial Bank, there is a high probability that you can successfully apply for a gold card.
3. China Everbright Bank
According to official website news of China Everbright Bank, the credit card limit of China Everbright Bank is generally around 654.38+0,000 yuan, and the credit card limit is generally 654.38+0-5,000 yuan. For most cardholders, the credit card limit of China Everbright Bank is already very high, which can also meet the daily shopping needs.
Among the credit cards owned by China Everbright Bank, the credit card quota of China Everbright Red Blood Brown Bear is higher, and the annual fee is exempted in the first year. In the second year, the annual fee is exempted for three purchases or single purchases exceeding 2,000 yuan. Moreover, the cash advance limit of the card is 50% of the credit limit, and there is an interest-free period of more than 20 days.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Which bank has a good credit card and a high quota?
Easy to apply for a high credit card:
It is very easy to apply for credit cards, such as ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card, with high quotas. 1, ICBC credit cards are more suitable for people who have business dealings with ICBC, and they have assets in ICBC, so it is very easy to apply for cards, and the amount is high, with an average card amount of about 40,000.
2. ABC's credit card is excellent and its economy is stable.
High credit card limit and low interest rate?
The maximum limit of the endless card is about 500,000 yuan. ICBC and Minsheng Bank's credit cards do not charge fees for withdrawing money from local banks (there are only two in China at this stage). In fact, all credit cards in China are overdrawn at a daily interest rate of 0.05%, and there is no such thing as the least interest.
First, China Merchants Bank. To say which bank's credit card is easy to handle, I have to say China Merchants Bank. As long as there is no bad credit, even college students who have just graduated from school and worked soon may be granted credit cards above 10000. However, you must choose the card in advance. This is the youth card of China Merchants Bank.
Second, China Guangfa Bank. According to the applicant's feedback, the credit card application threshold of Guangfa Bank is low, and the credit card quota is generally low, but fortunately, it is easier to raise the amount. As long as you use your credit card frequently and repay in full and on time, you will not be rejected if you call customer service to apply for withdrawal.
Third, Industrial Bank. Industrial Bank's credit card application threshold is also quite low, with many credit card activities, many points and rich gifts. Ordinary credit cards of Industrial Bank are generally free of annual fees in the first year, while gold cards need to meet the corresponding credit card conditions or points.
In addition, there are China Everbright Bank, Huaxia Bank and Bank of Communications. And it's easy to get a credit card. At the same time, when applying for a credit card, there are more and more cases of providing real estate, and the card issuance rate is higher. Friends who want to apply for a credit card recently can consider applying for these banks.
There are ICBC credit cards, Agricultural Bank credit cards and China Everbright Bank credit cards. But the interest on all bank credit cards is the same. Cash withdrawal and penalty interest are both five ten thousandths of the daily interest, and compound interest is calculated monthly, but the cash withdrawal fee and installment fee of bank credit cards are different every year.
The final amount of application depends on personal economic proof (such as work or income proof, real estate license, car driving license, etc.). ) submitted at the time of application. The more proof materials are submitted, the higher the amount.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Which bank has a good credit card and a high quota?
Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.
1, China Industrial and Commercial Bank: Cosmos Constellation Credit Card.
Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!
In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.
2. Bank of China: Taobao Credit Card
In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend 5 times at any amount.
3. Agricultural Bank: Upgrade mom's credit card beautifully.
This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.
You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.
4. China Construction Bank: Global Hot Purchase Card
This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.
Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.
The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!
Which bank has a good credit card and a high quota?
ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card are all easy to apply for high credit cards.
1, ICBC credit card
It 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 amount is high. The average card amount is about 40 thousand.
2. Agricultural Bank Credit Card
If you have good credit information and a stable source of income, you can apply for a credit card of Agricultural Bank of China. Of course, your repayment ability and consumer demand have a great influence on your credit card limit, with an average credit card limit of 35 thousand.
3. China Everbright Bank Credit Card
The threshold for getting a card is low, but the amount is not low. The average amount of the card is around 30 thousand, so it is easier to withdraw cash.
Extended data
Matters needing attention
1. Remember the billing date and repayment date when you arrive at the credit card;
2. If you can use it yourself, don't lend it to others;
3. Sign on the back of the credit card to protect the package security code;
4. More consumption can accumulate credit and increase the quota;
5. Participate in bank preferential activities, bonus hunter;
6. Make good use of the interest-free period of credit cards and repay them in time;
7. Credit cards have an annual fee, and grasp the standard of annual fee reduction;
8. Make a good record of using the card, and don't overdue or cash out.
This is the end of the introduction about what credit cards are high and where credit cards are high. I wonder if you have found the information you need?