What are the banks where it is easy to apply for a credit card?

1. Bank of Communications: The threshold for applying for a credit card at Bank of Communications is very low, and the speed of issuing a card is also very fast. The bad thing is the comparison of credit limits. Low, but this is more suitable as an entry card for newbies. Pure white households without credit may consider it.

2. Everbright Bank: If you already have an Everbright Bank credit card, you can apply for a credit card by applying for a credit card, so the chance of getting the card is higher. The limit of China Everbright Bank is around 10,000 to 20,000.

3. China Guangfa Bank and China Merchants Bank: These two banks are not as easy to apply for as the first two banks, but relatively speaking, the threshold for applying for a card is not very high. Moreover, China Merchants Bank increases the limit very quickly, so you don’t have to worry too much if the initial limit is low. China Guangfa Bank has many activities and rich rights and interests.

4. Ping An Bank and China CITIC Bank: It is not easy to apply for these two banks. If you already have a credit card with a limit of about 45,000, you can apply at this time, so that the chance of getting the card will be better. High, the bank will determine the limit given based on the maximum limit of the cardholder's existing credit card.

5. Shanghai Pudong Development Bank: Shanghai Pudong Development Bank will also decide based on the maximum limit of the credit card held by the cardholder, but Shanghai Pudong Development Bank only focuses on the frequency of cardholder use and does not pay much attention to the debt ratio, so it is suitable for debt Applications with a higher debt ratio generally have a higher chance of being rejected by other banks. Moreover, Shanghai Pudong Development Bank Universal Bank is also very powerful.

6. The four major banks: If you do not have certain financial strength, you should not consider applying for a credit card from the four major banks. The application threshold for the four major banks is high, and the hard requirements are also very high, but after all, they are the four major banks, and there will definitely be no shortage of activity rights and various discounts.

The five most worthy credit cards are China Merchants Bank Young Card, Shanghai Pudong Development Bank AE White Card, Guangfa Zhenshang Platinum Card, Ping An Bank Car Owner Card, and Bank of Communications Walmart Co-branded Card

Answer: As there are more and more types of credit cards, we have more choices, but many cardholders who are just getting started don’t know how to choose a credit card that suits them. Some friends care about appearance, while others only care about credit limit and rights. So which banks’ credit cards are worth applying for? The editor has compiled for you five credit cards from different banks that are worth buying. Whether you are a novice who is just getting started or a senior card user who pursues rights and interests, these five credit cards can satisfy almost everyone.

1. China Merchants Bank Young Card

Yes, this Internet celebrity card, which is called Xiaobai’s new credit card, is a common card, but it is very worthy of everyone’s support. The qualification requirements are not high, and it is very easy to apply for the card, but this card is only available to people under 30 years old, so if you don’t have a credit card, it is very good to choose this first. Similar to this card are Bank of Communications Youthpower and Pudong Development Youth. The application age for Youthpower is raised to under 35 years old. But only this card can withdraw cash with a limit of 100, and there is no handling fee for the first time every month, and there are many benefits such as card opening gifts. It is very easy to maintain, and it only takes about a year to reach the limit of 50,000.

2. Shanghai Pudong Development Bank AE White

Yes, this is one of the four legendary cards, named American Express Platinum Credit Card. If you have this card, I think it is OK. Post it in a circle of friends, haha. If you apply for Pudong Development Ae White for the first time, you can enjoy an unconditional annual fee exemption for the first year. In addition, there are unlimited VIP room privileges throughout the year, 6 companions, 4 free airport pick-up services within the country, and 50,000 credit card points redeemable for domestic and overseas five-stars. A one-night stay experience in a first-class hotel! Very tall and worth raising.

However, the threshold for applying for this credit card is relatively high and requires the applicant to have certain qualifications. However, if you apply with a platinum card from another bank, the probability of applying for the card will be greatly increased, and recently Pudong Development Bank The bank’s platinum card is free, and those who have been rejected before can also give it a try.

3. GF Premium Platinum Card

The main benefits of this card are also in terms of travel, including discounts on air and rail.

At the same time, this card also has 3 times the points, which can be redeemed for miles, so if you want to maintain a Guangfa credit card, this card can also be considered. The most important thing is that this is a platinum card with no annual fee and you can redeem miles at no cost. Like it or not!

4. Ping An Bank Car Owner Card

Almost all car owners will consider getting a truck owner card, because there are many targeted benefits and discounts, and Ping An’s card is even more popular among many car owners. It's all available, with 12% off on refueling every day, as well as 1.1 million yuan of personal accident protection insurance and nationwide free roadside assistance, which is irresistible to drivers. This card is divided into gold card and silver card. If your qualifications are average, you can consider the gold card, but gas is discounted, so it doesn’t matter which one you apply for.

5. Bank of Communications Wal-Mart Co-branded Card

If it is used in daily life, the benefits of this card are very good, because this card is almost specially designed for us to go to the supermarket. , and it is not difficult to apply, many people can apply easily. Because it is jointly launched with Wal-Mart, there are many super-value benefits for consumption at Wal-Mart. For example, every Saturday to Thursday, you can enjoy a 2.5 credit card discount when you shop at Wal-Mart. There is no annual fee for this card in the first year, and there is no annual fee for the following year if you swipe the card 6 times in that year. It is also easy to maintain. Just go to Wal-Mart a few times on weekends to buy things.

The above are the five credit cards that the editor has compiled for you that are currently the most worthwhile. They are also the most widely used credit card types at the moment.

Which credit cards are easy to apply for?

It is not easy to apply for a card because you have a white account or because your qualification certificate is not very good, which blocks the way for many cardholders who want to have a credit card of their own. In fact, many times credit card applications fail not only because of poor credit or qualifications, but more often because of incorrect application posture or wrong application time. So how can you apply for a credit card in the correct manner? Each bank's credit card application standards and conditions are different, so you may be confused and confused. In fact, if you find the pattern, it is easy to find some credit cards that are easy to apply for and have the lowest threshold. Here is a summary of the ten credit cards that are easiest to apply for.

1. First of all, the standard carp card of Bank of Communications is undoubtedly the best card. As long as you have a college degree, you can apply for the card, and it is almost always approved in seconds, so the card is issued very quickly. However, the initial limit of Bank of Communications is relatively low and the risk control is strict. If you are not careful, you may enter the K2K party. Please be careful when swiping the card after holding it;

Second, it is still a Bank of Communications credit card. It is the Y-POWER card of Bank of Communications. The card issuance target is mainly for young people (under 30 years old). It is suitable for young people with average qualifications to apply. The pass rate is also very high;

3. China Merchants Bank China Merchants Bank Young Card. It is also a card exclusive to 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. China Merchants Bank has won a lot of trust with its excellent services. It would be outrageous not to apply for a China Merchants Bank credit card. Not only does China Merchants Bank provide good services, but the threshold for applying for a Young card is so low. For those of you who have no social skills and are slumped at home, you can just apply and maybe get the card;

Which bank's credit card is easier to apply for?

Which credit card application is easier to apply for?

Having a credit card of your own has always been a dream for many people. But applying for a credit card is not easy, especially if you apply for a credit card for the first time. If you choose the wrong bank, you can easily be rejected. So, which bank’s credit card is the best to get and apply for?

Today, the editor will help you take stock.

1. China CITIC Bank

CITIC Bank was relatively early in issuing credit cards, but it did not raise the application threshold because of its senior qualifications. When applying, as long as you submit the application information online, you will receive a credit reference call and text message reminder from the bank, asking you to take your ID card to the designated outlet for information review. If the review is approved, the card will be sent to you. The review of information is very simple. From application to card release, the fastest is one day and the slowest is half a month.

However, CITIC Bank is also known as an "iron rooster" and it is very difficult to raise the limit. Many people have to change their cards after using them for 5 years, but the limit is still the same as the one they were originally approved for.

2. Bank of Communications

Bank of Communications has a very low threshold for card approval. As long as you provide your ID card and work certificate, you can basically apply for the card. The requirements for proof of work are also simple. Any one of work permit, name badge, business card, income certificate stamped with the official seal of the unit, etc., or even a copy of the pass for government agencies and institutions is acceptable.

Having an academic degree will give you extra points. The first-time application amount for a basic college degree is more than 8,000, and the amount for a bachelor's degree can reach 15,000.

Bank of Communications also has many offline stalls, which can often be seen in front of large supermarkets such as Wal-Mart and Lianhua. If your personal qualifications are average, the approval rate will be higher if you apply with a salesperson than if you apply online yourself.

3. China Merchants Bank

The number of credit cards issued by China Merchants Bank is only second to that of Industrial and Commercial Bank of China, the largest bank in China. Its service reputation has always been very good. The threshold for applying for a card is not high, and it is different from Bank of Communications. In comparison, I have no problem with basic credit and have a stable job, and I can apply for the card, and the credit limit is increased very quickly.

The young card launched by China Merchants Bank is the first choice for many young people as "the first card in life". In addition to having a bachelor's degree or above and working, the 100 cash withdrawal limit is the biggest highlight.

It should be noted that some cities do not support online application for China Merchants Bank credit cards. When applying for a card for the first time, the salesperson will often "come to you", that is, go to your unit to ask for filling in relevant information. If you want to "package" your own, be careful.

4. China Everbright Bank

China Everbright Bank has a low threshold for card approval and a higher credit limit than other banks. For most ordinary cards, you can reach a credit limit of 10,000 just by purchasing a card. , there will be text message reminders regardless of the amount, and it is completely free. It’s just that the questions asked during the phone credit check after applying for a credit card are quite strange, and even several people in the household registration book will be asked.

5. Guangfa Bank

Local commercial bank credit cards are generally easier to apply for than established large banks. Guangfa Bank is a good example. As a rising star, the credit card business has been catching up with its predecessors, so the threshold is relatively low. As long as you can issue a work certificate and other conditions can basically be ignored, you can apply for the card.

Some people may want to ask: Why are there no four major banks of the Industrial and Peasant Construction Bank?

Because the threshold for credit cards of the four major banks is relatively high. Correspondingly, the credit cards of the four major banks also have advantages that other commercial banks cannot match in terms of loan interest, installment fees, preferential activities, etc. Especially the ICBC credit card is recognized as the best credit card.

Therefore, you can first apply for a credit card that is easy to get through the bank, and then apply for a credit card from the four major banks after your qualifications reach a certain level.

The following are the credit card channels for Ping An, Minsheng, and CITIC Bank. If you need it, you can apply by yourself!

Ping An Bank Credit Card Application

CITIC Bank Credit Card Application

Minsheng Bank Credit Card Application

Which bank credit card is easier to apply for? These are the cards that are easy to buy from the four major banks!

For all card lovers, of course they all want to get their favorite credit card quickly, but the most annoying thing when applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards from major banks, how should we choose? Which credit cards are easy to apply for?

1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate of card approval by the card issuer when checking customers' credit by binding the customer's Taobao account. CITIC Bank's credit card approval speed has always had a good reputation among cardholders. According to tests, when applying for a credit card online from CITIC Bank, you will usually receive an SMS message from the bank within 24 hours. The efficiency is quite impressive! Apply for CITIC Taobao Card online now and get an instant discount of 30 yuan on your first quick payment. Don’t miss this offer!

2. GF True Love Card is the first credit card exclusively for women in China, with a transparent card design, advocating the female life philosophy of "independence, calmness, intelligence, and frankness", and has a three-fold points plan for merchants of your choice, Functional services such as optional insurance plans, as well as discounts from many merchants, provide women with more personalized choices and more considerate services.

What's more important is that applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.

3. Guangfa Car Owner Card is specially customized for private car owners. Provide a full range of discounts and services for car owners and their cars. Enjoy 100 kilometers of free roadside assistance nationwide, 5x points or 1x cash rebate for refueling with your card, optional high-value insurance protection, and many other features and discounts. Naturally, the GF Car Owner Card has saved many car owners a lot of trouble when applying for the GF Car Owner Card. When applying for the GF Car Owner Card, users only need to provide the driving license of their car to greatly increase the success rate of applying for a credit card!

4. New users of China Merchants Bank’s QQ co-branded credit card will receive a free American Traveler fashion backpack of RMB 388 with a full credit card payment. New credit card customers only need to make three card payments within two months, with each payment exceeding RMB 188. Receive a free American Traveler fashion backpack worth 388 yuan. The first cash withdrawal of each month is free of charge.

5. The best card to apply for is the China Merchants Young Card. This card is one of the most popular among 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. If the cash withdrawal limit of up to 100 credit limit is not enough, then the first cash withdrawal in every calendar month is free of charge!

6. Ping An Bank’s credit cards are very down-to-earth, such as car owners’ cards for car owners, standard cards for supermarket shopping, platinum cards for airport discounts, and green channels to go directly to movie theaters. Card promotions cover food, fitness, entertainment, shopping, etc. The most popular and easiest credit card to apply for.

That’s it for the introduction of which credit card is better.