Which bank's credit card is easy to handle

Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to apply for.

Supplementary information:

Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have a work card, a medical insurance card and an ID card. China Merchants Bank can also directly apply for completing the information on the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.

Extended information:

1. The application conditions for China Merchants Bank's credit card are:

1. The applicant is 18 to 6 years old and has China nationality.

2. Applicants should have a relatively stable job and income, with an average monthly income of not less than 3, yuan.

3. The applicant should provide the bank statement of the salary card and the list of social security personal accounts for the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.

4. The applicant must have a fixed place of residence, and can provide proof of permanent residence and payment documents for daily life.

5. Applicants should have good personal credit.

As we all know, to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.

6. Credit card applicants of China Merchants Bank must have certain economic ability and have no bad credit record. The applicant should be 18~6 years old (foreigners are 25~6 years old).

2. Basic conditions for credit cards of China Everbright Bank:

1. Credit card applicants must be between 18 and 65 years old, have full capacity for civil conduct, and have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards of China Everbright Bank.

2. Original valid ID cards (including but not limited to domestic resident ID cards, foreign passports, Hong Kong and Macao residents' travel permits to and from the Mainland, mainland travel permit for taiwan residents, etc.) shall be provided as required.

which banks can handle credit cards:

1. National joint-stock banks:

China Everbright Bank, China CITIC Bank, Bank of Communications, Industrial Bank, Industrial and Commercial Bank, China Merchants Bank, Agricultural Bank, China Construction Bank, China Bank, Minsheng Bank, etc.

2. Regional joint-stock banks:

Bank of Beijing, Beijing Rural Commercial Bank, bank of tianjin, Shanghai Bank, Nanjing Bank, Bank of Ningbo, Hangzhou Commercial Bank, Shenzhen Rural Commercial Bank, Wenzhou Bank, Xiamen International Bank, etc.

3. Foreign joint-stock banks:

Citibank, HSBC, Standard Chartered Bank, Bank of East Asia, Hang Seng Bank, ABN Amro, Ortiz Bank, BNP Paribas, American Express Bank, etc.

credit card installment refers to the process that when a cardholder uses a credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee.

according to the cardholder's application, the bank will deduct the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder will repay them according to the monthly recorded amount.

in the early days of credit card installment payment, banks often advertised under the banner of "interest-free", and many citizens were indeed "fooled". In fact, interest-free is not free, just a different name.

generally speaking, the handling fee for general credit card installment payment for one year is lower than the annual cash withdrawal interest of 18% and higher than the bank's one-year commercial loan interest of 5.31%. It is worth mentioning that the loan interest rate of commercial banks has been lowered many times in recent years, but the standard of credit card installment fee and cash withdrawal interest has rarely changed. Although the standards of credit card installment fees in different banks are different, the calculation methods are basically the same.

suppose the installment amount is 12 yuan, divided into 12 installments, and 1 yuan will be repaid in each installment (month). The handling fee is .6%/ month, and the actual monthly deduction is 1+12×.6%=17.2 yuan. If other factors are not considered, the convertible nominal annual interest rate is 7.2%. However, the cardholder does not always owe the bank 1,2 yuan. In the last month, he actually owes the bank 1 yuan, but the bank still charges a handling fee of 1,2 yuan.

according to the calculation, the real annual interest rate that the cardholder has to pay is about 15.48%. According to the correct calculation formula, it should be 12,.6% (1+.6%) 12/((1+.6%) 12-1) = 13.94 yuan, with an extra 3.2% handling fee for each period.

The main benefits of credit card installment:

Enjoy first, then pay.

no guarantor, simple procedure.

fixed time and easy payment.

Free monthly repayment amount for payment

More space for choosing payment methods.

What banks can handle credit cards? Please tell me their names.

The credit cards of each bank are similar, mainly in terms of activities. Many banks have overseas cashback activities, such as China Construction Bank, Bank of Communications, Bank of China, etc. You can choose your favorite card type according to your personal preference.

What banks can handle credit cards?

Commercial banks or credit card companies, Bank of China and the four major banks can all handle credit cards.

In most cases, citizens with full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and a certain direct source of income can apply for credit cards from the issuing bank. Sometimes, legal persons can also act as applicants.

to apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

Extended materials:

The standards of different card-issuing banks are different. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks may pass the examination and some banks refuse to issue them.

according to the application materials, the bank will examine the applicant's various information and economic situation to judge whether to issue a credit card to the applicant. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

after receiving the authorization notice, the card-issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement of the bank to allow overdraft, and reply whether to agree to the transaction.

Baidu Encyclopedia-Credit Card

What banks can handle credit cards, please tell me their names?

There are many banks that can handle credit cards, such as: 1. China's four major banks: China Bank, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank. 2. Joint-stock commercial banks: China Merchants Bank, Huaxia Bank, China CITIC Bank, Ping An Bank, China Everbright Bank, Industrial Bank, China Guangfa Bank and Shanghai Pudong Development Bank. 3. Some local banks can also handle credit cards, such as Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Bank of bank of tianjin, Bank of Hebei, Bank of Shengjing, Bank of Nanjing, Bank of Hankou, Bank of Bank of Ningbo and Bank of Guangzhou.

what are the requirements for credit card processing? Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card business specifically for college students. This is unconditional credit card processing, and college students only need to bring their personal documents and student ID cards to the bank for processing. First of all, citizens over the age of 18 with civil capacity are required. Require a stable income, provide proof of income, first to prove repayment ability, and second to refer to the establishment of credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card, and the process will be much easier. Personal credit should be good and have no bad records. Whether you can successfully apply for a credit card is also related to your occupation, such as security, self-employed, farmers and so on. Personnel from other places, overseas and officers in active service should issue temporary accounts issued by the local public security department or certificates issued by relevant departments to receive the cards in their own names, and must provide a guarantee unit with guarantee conditions or a guarantor with a local account and working in the local area.

Credit card applications can be processed through the bank counter or online. If you go to the counter, you need to bring your ID card to the bank, explain your purpose to the staff, and fill out the credit card application form according to the requirements of the staff. Generally, there will be a reply in half a month. If the application is successful, you will receive the corresponding letter with a credit card within one month. If you APPly online, just open the bank's app, find "Apply for Credit Card" in the interface, click to enter, follow the prompts and enter information to submit the application. After the application is successful, you can receive the corresponding letter with credit card within one month. After the credit card is successfully processed, you need to go to the bank outlet to open the card before you can use it.

I hope my answer is helpful to you!

How many banks in China can handle credit cards

All commercial banks can handle credit cards. Credit cards are issued by commercial banks to individuals and units. China's commercial banks: China currently has three policy banks (China Development Bank, The Export-Import Bank of China and China Agricultural Development Bank), five large state-owned commercial banks (China, Agriculture, Industry, Construction and Communications), Postal Savings Bank and 12 national joint-stock commercial banks (CITIC, China Everbright, China Minsheng, Guangfa, Shenfa, China Merchants, Xingye, Pudong Development, Bohai, Hengfeng, Shanghai Pudong Development Bank).

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

consumers with credit cards can go to the special commercial service department for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit. Credit card consumption is a non-cash transaction payment method. You don't need to pay cash when you consume, and you can repay it on the BillingDate.

Let's stop here for the introduction of any banks that can handle credit cards.