You can't simply say which credit card is easy to handle, Pufa or Everbright. Whether a credit card is good or not depends mainly on the applicant's personal qualifications. The better the applicant's qualification, the easier it is to apply, and the higher the credit card limit. Because everyone's qualifications are different, the specific approval results and quotas are determined by docking bank big data after the applicant submits the application materials.

Conditions for applying for a credit card:

1. The applicant is over 18 years old, but not over 65 years old. Those under 18 years old but over 13 years old can apply for supplementary cards through their parents;

2. The applicant is a natural person with full capacity for civil conduct;

3. The applicant has a stable job and continuous income, which is an important factor reflecting whether the user has the ability to repay;

4. The applicant shall provide the supporting documents required to apply for a credit card, including but not limited to a copy of valid ID card or military officer's card, work certificate and financial certificate;

Applicants also need to provide personal credit reports to banks, and it is difficult for users with credit stains to apply successfully.

Reasons for failure of credit card application:

1. The applicant does not meet the most basic conditions for handling the card, and may be under the age of 18, or may be over-aged, exceeding the limit of the bank.

2. The applicant's information is not complete enough, which will make it difficult for the bank to evaluate the applicant's situation, so the credit card application may fail.

3. The information is false. If the applicant falsely fills in company name, telephone number, position, income and other information, it will lead to the failure of credit card application.

4. The conditions are not up to standard. If the user applies for a higher-level credit card when his own conditions do not allow, the application may fail.

5. The applicant has a bad credit record, that is, the applicant has a credit card overdue or loans overdue repayment record, and the personal credit information system has a bad record.

6. The applicant is a white credit account. The person who applies for a credit card for the first time has no previous credit record, so it is difficult for the bank to judge its credit quality, and it is easy to get a card and be rejected.