Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.
Supplementary information:
Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.
Extended data:
1. The application conditions of China Merchants Bank credit card are:
1. Applicant 18 to 60 years old, with China nationality.
2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.
3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.
4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.
The applicant should have good personal credit.
As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.
6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).
Two. Basic conditions for credit card of China Everbright Bank:
1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.
2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.
What bank's credit card is easier to handle and has a high quota?
Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still quite a few preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
A bank with a high credit card limit
1, ranking the average credit card limit of banks.
First place: Industrial and Commercial Bank of China. The average card amount is about 41;
Second place: Agricultural Bank. The average amount of the card is around 35,000;
Third place: China Everbright Bank. The average amount of the card is around 33,000;
Fourth place: Industrial Bank. Average credit card limit: about 24,000;
Fifth place: Huaxia Bank. Average credit card limit: about 24,000 yuan, but slightly lower than that of Industrial Bank.
2. Maximum credit card limit of each bank
China Industrial and Commercial Bank Peony International Credit Card (dual currency) maximum amount: RMB account: 5000-20000; Dollar account: 1000 to 2000.
China Industrial and Commercial Bank Peony Credit Card (RMB) Maximum Limit: 20,000.
China Construction Bank Longka credit card (dual currency) maximum amount: 50,000.
China Construction Bank Longka Credit Card (RMB) maximum amount: 5000.
Maximum credit card limit of China Merchants Bank (dual currency): 10000.
Maximum amount of Pacific Credit Card of Bank of Communications (RMB): 50,000.
Maximum credit card limit of Guangfa Bank (RMB): 50,000 yuan.
Maximum credit card limit of CITIC Industrial Bank (dual currency): 50,000.
Maximum credit card limit of CITIC Industrial Bank (RMB): 50,000.
The maximum amount of SDB credit card (RMB): 50,000.
To sum up, ICBC has the highest credit card limit, followed by Agricultural Bank and China Everbright Bank, all of which are above 30,000. If it is easier to apply for credit cards, then the four state-owned banks (the four banks refer to the four state-owned banks of agriculture, China, industry and construction) are obviously at a disadvantage. One of the best banks to handle credit cards is China Merchants Bank. In addition, in fact, after several years of development, ICBC has lowered the threshold for handling credit cards. So generally speaking, credit cards are easy to handle, and banks with high quotas are all ICBC credit cards. Secondly, China Everbright Bank is not weak. China Merchants, Communications, CITIC and other small and medium-sized banks are all good, and their quotas are quite high.
Which bank has the highest credit card limit?
China Merchants Bank, Bank of Communications and Pudong Development Bank have the highest credit card quotas.
1, China Merchants Bank
The probability of a large amount under a small credit card is relatively high, which is said to reach 76%. If it is the first time to apply for China Merchants Bank's credit card, as long as all the information is filled in, you can basically get a limit of 5000- 10000.
In addition to the relatively high credit card quota, China Merchants Bank's credit card withdrawal speed is also relatively fierce. As long as it is used normally, it can be withdrawn in 3-6 months, and the amount can reach 30%.
2. Bank of Communications
The threshold for handling cards in Jiao Xiao will be relatively low, so the probability of large quantity is relatively high, reaching 74%. As long as the information is complete and not dark, you can basically get the card. The initial amount of the card issued by Bank of Communications will be around 5,000 yuan, but it should be noted that if the card is not standardized, it will be targeted.
3. Shanghai Pudong Development Bank
To apply for a credit card in Shanghai Pudong Development Bank, you need complete information and good credit information, and the probability of large sum is 7 1%. Pufa pays more attention to personal comprehensive credit score, so a good credit record will be the trick for Pufa to get a large card.
4. Guangfa Bank
The probability of issuing large cards under Guangfa can reach 67%, mainly because platinum cards are relatively easy to approve. If you have a real estate license, the platinum card is basically stable. If you are lucky, you can give a quota of 50-65438+ 10,000.
5. China Everbright Bank
The probability of approval of the big card of China Everbright Bank is 66%, which may be relatively low, but it is quite easy to raise the amount, and the temporary quota is also very high. Some netizens gave feedback, and the gift amount of the Platinum Card was 654.38+ 10,000.
Extended data
1. When making++consumption, bind your ICBC bank card and credit card together, and then change the money in the bank card into 1,000++,such as USD, EUR, etc. And buy several kinds. Then, I called the customer service of the bank credit card and said that I would spend money abroad, and the amount was too small to use, so I applied for an increase. The most important thing is that I just changed a little++in my bank card, which is very inconvenient.
2. ICBC also takes high-risk control measures for customers without deposits and customers who use cards abnormally.
This is the end of the introduction about what credit card has a higher limit and what credit card has a higher limit and is free of annual fee. I wonder if you have found the information you need?