The four major banks are state-owned banks. The threshold for applying for a credit card is relatively high and the requirements are stricter. However, Kabaobao tells you that in fact, applying for a credit card from the four major banks is not as difficult as you think. As long as you master it well Its application method also makes it easy to apply for a card.
ICBC
As the largest bank in the world, ICBC is the most powerful bank, but in fact it is not that superior. On the contrary, it has the largest number of credit card issuances.
ICBC credit card does not have very strict credit requirements, but ICBC pays more attention to the user's contribution star rating and asset strength. Therefore, before applying for an ICBC credit card, you can apply for a savings card first, and then increase your contribution star rating (the maximum can be seven stars). If you reach 5 stars, you can apply for a gold card, if you reach 6 stars, you can apply for a platinum card, and if you reach 6 stars, you can apply for a platinum card. Credit card limits generally start at 50,000.
There are still many cards that ICBC can easily purchase, such as Endeavor Card, Zodiac Card and Shangri-La Card.
Compared with the other four major bank cards, the credit limit of ICBC cards is still relatively high, and ICBC cards never follow routines. Even if you are overdue or your qualifications are not very good, you still have the opportunity to bet large amounts. Card. Moreover, ICBC's Endeavor Card has always been a specific type of card issued by intermediaries, and those who purchase it are usually gold cards with a limit of about 20,000.
China Construction Bank
China Construction Bank pays more attention to users' turnover, so before applying for a card, you can increase the turnover of CCB savings card first, and then you can check the credit card pre-approval limit in CCB mobile banking. After you have the pre-approval limit, it is easier to apply for a credit card, and the card limit is generally not lower than the pre-approval limit.
To apply for a CCB credit card, it is best to go to the branch to apply with the information, and it is best to apply for the Dragon Card series of cards, which is easier to apply for, especially the Dragon Card e-payment, which was popular some time ago, and is a virtual card , the card removal rate is very high. The credit cards recommended to everyone are MasterCard White and Bat White, which are popular around the world.
CCB’s cards are both famous for their “Dragon Cards”. Both cards are platinum cards. CCB’s regular cards are boring. Not only do they have fewer points, but they can’t be exchanged for miles.
Agricultural Bank of China
Agricultural Bank of China pays more attention to the user’s work unit and salary flow, etc. Many users have passed the online application, but were rejected because they did not have a good work unit and salary flow. Rejected at the interview at the outlet. Therefore, it is easy for users such as state-owned enterprises, public institutions, and Fortune 500 companies to get carded.
The best credit cards for Agricultural Bank of China credit cards include Beautiful Mom Card and Youran Bai.
It can be said that the Pretty Mom Card has been popular for quite some time years ago. Using K-Bao to log in to online banking to apply for Pretty Mom was almost instantly approved. At that time, many intermediaries earned the first pass.
However, Agricultural Bank of China’s Youranbai is fake. If you want to have an Agricultural Bank of China platinum card, you can apply for this card. If you have a car, you can also apply for the Agricultural Bank of China’s car owner card. The limit of the Agricultural Bank of China’s car owner card is relatively higher than that of other banks. Many cardholders’ Agricultural Bank of China’s car owner card has a limit of more than 30,000 yuan.
Bank of China
Compared with the other three banks, Bank of China's credit card approval is more rough and pure, with special emphasis on users' deposits and proof of financial resources. As long as you have enough savings and can provide relevant proof of financial resources, as long as there are no problems with other matters such as work and credit, you can almost apply for the card.
However, the limit approved by the Bank of China is often not based on common sense. Many users apply for a card with a limit of dozens or hundreds of yuan, or even a few yuan or zero limit. This is It’s a completely useless card. It’s a pity to use it if you don’t like it!
Bank of China’s easy-to-distribute cards include BOC Taobao Card and BOC Ctrip Card.
The credit cards of the four major banks have different levels of difficulty in raising the limit. In relative terms, ICBC is the most powerful in raising the limit, especially for cards with small amounts. As long as you know how to raise the limit, the limit is often several times higher. There are many users who have withdrawn their cards several times and raised tens of thousands of cards within a few months.
The second is the Agricultural Bank of China credit card, which pays more attention to real offline consumption. If you use it well, the limit can be increased very quickly. The third is the Bank of China credit card. Although some users have a very low credit limit, if they use the card properly, it is not difficult to increase the credit limit.
What is relatively difficult is the CCB credit card. Some people even say that CCB does not have an automatic limit increase system at all and relies entirely on manual review, so the limit increase without proof of transaction and property is relatively slow.