1. Depend on the individual’s specific conditions

Which bank to choose to apply first depends on each person’s conditions. For example: whether you have a real job, whether you have social security, whether you have a check-in salary, whether you have been denied a card application in the past three months, whether your frequently used savings card has a lot of turnover, whether you have a house or a car or other assets, etc., no matter There are different options in every situation.

2. Ignore the four banks of ICBC, Agricultural Bank of China, China Construction Bank and China Construction Bank

Theoretically, these four banks have relatively high requirements for assets. Therefore, to be on the safe side, it is better to give priority to excluding them if there is no major interaction with these four companies.

3. Start with commercial banks

The ten banks are Jiao, Zhao, Hua, CITIC, Pudong, Guangzhou, Ping, Min, Xing and Guang. From the data point of view, the above companies that have an easier time applying for those without three qualifications are: CITIC, GF, China Everbright, Pudong Development Bank, etc.

Extended information:

Basic rules for applying for a credit card:

1. Over-limit fees are cancelled. If you use the card over the credit limit, the bank will not charge you.

2. Credit card late payment fees have been cancelled, and banks have changed to charge liquidated damages. The charging standard is basically set at 5% of the unpaid portion of the minimum repayment amount, which is the same as the previous late payment fee standard. Since liquidated damages do not include interest, arrears will no longer "snowball".

3. In the past, the credit card overdraft interest rates of various banks were basically 0.5% daily interest rate. However, according to the new regulations, the overdraft interest rate can be as low as 30% off. In other words, as long as the bank agrees, it will be enough to pay interest at a daily interest rate of 3.5%. For competitive reasons, some banks may break the "convention" of not charging interest on overpayments, and deposits in credit cards will also earn interest.

4. The unified regulations on credit card interest-free period and minimum repayment amount have been cancelled. In the future, the interest-free period may exceed 60 days, and the minimum repayment ratio in the first month may also be less than 10%.

5. Dual-label credit cards with the logos of UnionPay and international card organizations such as VISA or Mastercard printed on the card may gradually withdraw from the market. The dual-label card in hand can be used until the end of the validity period. After expiration, if you still need to use it abroad, you can replace it with a UnionPay card and a single-label card of an international card organization; if you only use it domestically, you can replace it with a UnionPay card.

Baidu Encyclopedia-Commercial Bank

People's Daily Online-Many credit card rules have changed