Owning a credit card has always been a small dream of many people. However, it is not easy to apply for a credit card, especially for the first time. Choosing the wrong bank is easy to be rejected. So, which bank is the best for handling and applying for a credit card?

Today, Bian Xiao will help you take stock.

1, China CITIC Bank

CITIC Bank issued credit cards earlier, but due to its old qualifications, it did not raise the application threshold. When applying, you only need to submit the application materials online, and then you will receive a credit phone call and SMS reminder from the bank, asking you to take your ID card to the designated outlets for data review, and the approved card will be sent out. Reviewing the materials is very simple. The fastest day from application to card issuance is half a month at the latest.

However, CITIC Bank is also known as an "iron cock", and it is very difficult to raise the amount. Many people need to change their cards after five years of use, or the original number of cards.

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 get off the card. The requirements for proof of work are also simple, such as work permit, badge, business card, income certificate stamped with the official seal of the unit, and even a copy of the pass of the institution.

You can get extra points if you have a degree. The first time you apply for a basic college degree is above 8000, and the undergraduate degree can reach 15000+.

There are also many offline booths of Bank of Communications, which can often be seen in front of large supermarkets such as Wal-Mart and Lianhua. If personal qualifications are average, it is better to find a salesman than to apply online.

3. China Merchants Bank

China Merchants Bank's credit card issuance volume is second only to China Industrial and Commercial Bank, the largest bank in China, and its service reputation has been very good. The threshold for handling cards is not high, which is comparable to that of Bank of Communications. There is no problem with basic credit information. If you have a stable job, you can apply for a card, and the amount is raised quickly.

The young card launched by China Merchants Bank is the first choice for many young people to be the "first card in life". Except for bachelor degree or above and work, 100% withdrawal amount is the biggest highlight.

It should be noted that some cities do not support online application of China Merchants Bank credit card. When you apply for a card for the first time, the salesman will often "go to your unit to ask about the relevant situation". Be careful if you want to "package" your own.

4. China Everbright Bank

Everbright Bank has a low threshold for card approval, and the amount of cards issued is higher than that of other banks. Most ordinary cards can reach the amount of 10000 as long as they are issued. Every time you swipe your card, no matter how much it costs, there is a SMS reminder, and it is completely free. It's just that the questions asked by phone after the card is processed are quite strange, and even several people in the household registration book will ask them.

5. Guangfa Bank

Credit cards of local commercial banks are generally easier to apply than those of established big banks, and Guangfa Bank is a good example. As a rising star, 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 be ignored, you can get off the card.

Some people may ask: why didn't workers and peasants build the four major lines?

Because the credit card threshold of the four major banks is relatively high. Correspondingly, the credit cards of the four major banks also have incomparable advantages over other commercial banks in terms of loan interest, installment fees and preferential activities. In particular, ICBC's credit card is recognized as the best credit card.

Therefore, you can apply for credit cards that banks can easily pass first, and then apply for credit cards of the four major banks after your qualifications reach a certain level.

The following are the credit card drainage channels of Ping An, Minsheng and China CITIC Bank. You can apply for it yourself if necessary!

Ping An Bank Credit Card Application

CITIC Bank Credit Card Application

Minsheng bank credit card application