1. The ones with the lowest threshold are of course local small commercial banks. Among the big banks, Guangfa is the easiest to apply for. However, as long as you can issue a work certificate, you can ignore all conditions. If you can't get it, you can apply with your work permit. If you still don't have it, you won't be able to apply. Unless your employer is good, you can apply with your ID card. If you want a larger quota, you can also consider Guangfa and China Merchants Bank. College students generally apply to China Merchants Bank. It can go up to 5,000, and GF can go up to 10,000. In fact, China Construction Bank is the best, and the service is very thoughtful and user-friendly, but it is relatively difficult to increase your credit limit

2. Bank of Communications Credit Card

The threshold for card approval is very low. You only need to provide your ID card and proof of your employment (i.e. work permit, badge, or proof of income stamped with the official seal of the unit, or even the original business card and a copy of the pass from the public institution)

The overdraft limit is not very high. Of course, the information you provide is more comprehensive, and the limit will be much higher if you prove that you own real estate, cars, etc. Bank of Communications's interest-free period for consumption is relatively long at 56 days. In addition to the YONG-POWER card, you can apply for installment repayment for a single purchase of more than 1,500. There is no free SMS reminder function for transactions, and there is a transaction reminder SMS service of 3 yuan per month.

3. Minsheng Bank Credit Card

The requirements for card approval are higher than those of Bank of Communications, and if you are not a resident of the city, the card will not be approved. Some discriminate against people with rural household registration, and the overdraft limit is higher than that of other banks. It is slightly higher. The interest-free period for consumption is up to 50 days. There is no handling fee for withdrawing cash from local Minsheng Bank teller machines. The bill date and repayment date of Minsheng Bank can be set by yourself. Points redemption is at a medium to upper level.

4. China Merchants Bank Credit Card

The threshold for card approval is not high. It is the number one credit card brand in China. Its card issuance is second only to Industrial and Commercial Bank of China. Its overdraft limit is relatively higher than that of Bank of Communications. High, lower than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on your property and income. The maximum interest-free period for consumption is 50 days.

I hope I can help you. Since the economy is not good, don’t apply to the four major banks