Which bank credit card is easy to get and has a high limit?
Credit cards that are easy to apply for and have high credit limits include Industrial and Commercial Bank of China Credit Card, Agricultural Bank of China Credit Card, and China Everbright Bank Credit Card.
1. ICBC Credit Card
It is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then it is easy to apply for a card and the limit is high. The average limit of the card is 40,000. about.
2. Agricultural Bank of China Credit Card
If you have good credit and stable financial resources, you can apply for an Agricultural Bank of China credit card. Of course, your repayment ability and consumption needs will affect your card limit. It's very big, the average card limit is 35,000.
3. China Everbright Bank Credit Card
The threshold for applying for a card is low, but the limit is not low. The average credit limit of the card is about 30,000, and it is relatively easy to increase the limit.
Extended information
Notes
1. After receiving the credit card, be sure to remember the billing date and repayment date;
2. If you can use it yourself, do not lend it to others;
3. Sign the back of the credit card and protect the security code;
4. Only by spending more can you accumulate credit and increase the limit;
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5. Participate in more bank preferential activities and make money;
6. Make good use of the interest-free period of credit cards, but also pay back in time;
7. Credit cards have For annual fees, grasp the standards for annual fee reductions and exemptions;
8. Keep good card usage records, never overdue or cash out.
Which bank’s credit card is easier to apply for?
Which credit card application is easier to apply for?
Having a credit card of your own has always been a dream for many people. But applying for a credit card is not easy, especially if you apply for a credit card for the first time. If you choose the wrong bank, you can easily be rejected. So, which bank’s credit card is the best to get and apply for?
Today, the editor will help you take stock.
1. China CITIC Bank
CITIC Bank was relatively early in issuing credit cards, but it did not raise the application threshold because of its senior qualifications. When applying, as long as you submit the application information online, you will receive a credit reference call and text message reminder from the bank, asking you to take your ID card to the designated outlet for information review. If the review is approved, the card will be sent to you. The review of information is very simple. From application to card release, the fastest is one day and the slowest is half a month.
However, CITIC Bank is also known as an "iron rooster" and it is very difficult to raise the limit. Many people need to change their cards after using them for 5 years, but the credit limit is still the same as the one they were originally approved for.
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 apply for the card. The requirements for proof of work are also simple. Any one such as a work permit, name badge, business card, proof of income stamped with the official seal of the unit, etc., or even a copy of the pass for government agencies and institutions is acceptable.
Having an academic degree will give you extra points. The first-time application amount for a basic college degree is more than 8,000, and the amount for a bachelor's degree can reach 15,000.
Bank of Communications also has many offline stalls, which can often be seen in front of large supermarkets such as Wal-Mart and Lianhua. If your personal qualifications are average, the approval rate will be higher if you apply with a salesperson than if you apply online yourself.
3. China Merchants Bank
The number of credit cards issued by China Merchants Bank is only second to that of Industrial and Commercial Bank of China, the largest bank in China. Its service reputation has always been very good. The threshold for applying for a card is not high, and it is different from Bank of Communications. In comparison, I have no problem with basic credit and have a stable job, and I can apply for the card, and the credit limit is increased very quickly.
The young card launched by China Merchants Bank is the first choice for many young people as "the first card in life". In addition to having a bachelor's degree or above and working, the 100 cash withdrawal limit is the biggest highlight.
It should be noted that some cities do not support online application for China Merchants Bank credit cards. When applying for a card for the first time, the salesperson will often "come to you", that is, go to your unit to ask for filling in relevant information. If you want to "package" your own, be careful.
4. China Everbright Bank
China Everbright Bank has a low threshold for card approval and a higher credit limit than other banks. For most ordinary cards, you can reach a credit limit of 10,000 just by purchasing a card. , there will be text message reminders regardless of the amount, and it is completely free. It’s just that the questions asked during the phone credit check after applying for a credit card are quite strange, and even several people in the household registration book will be asked.
5. Guangfa Bank
Local commercial bank credit cards are generally easier to apply for than established large banks. Guangfa Bank is a good example. As a rising star, the 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 basically be ignored, you can apply for the card.
Some people may want to ask: Why are there no four major banks of the Industrial and Peasant Construction Bank?
Because the threshold for credit cards of the four major banks is relatively high. Correspondingly, the credit cards of the four major banks also have advantages that other commercial banks cannot match in terms of loan interest, installment fees, preferential activities, etc. Especially the ICBC credit card is recognized as the best credit card.
Therefore, you can first apply for a credit card that is easy to get through the bank, and then apply for a credit card from the four major banks after your qualifications reach a certain level.
The following are the credit card channels for Ping An, Minsheng, and CITIC Bank. If you need it, you can apply by yourself!
Ping An Bank Credit Card Application
CITIC Bank Credit Card Application
Minsheng Bank Credit Card Application
Which bank credit card is easier to apply for
Credit cards from China Merchants Bank, China Everbright, and Ping An Bank are relatively easy to apply for.
Supplementary information:
It is very simple to apply for credit cards from China Merchants Bank, Everbright and Ping An. All you need is your work badge, medical insurance card and ID card. China Merchants Bank can also directly apply and fill in the information on the official credit card website, and the bank will send the credit card after verification. In terms of quotas, these three will also be higher than the four major state-owned banks.
Extended information:
1. The application conditions for China Merchants Bank credit card are:
1. The applicant is between 18 and 60 years old and has Chinese nationality.
2. Applicants must have a relatively stable job and income, with an average monthly income of no less than 3,000 yuan.
3. The applicant must provide the bank statement of the salary card and the list of personal social security accounts for the past 6 months. If you have a car or a house, you can also provide a real estate certificate and a car driving license.
4. Applicants must have a fixed place of residence and be able to provide proof of permanent residence, daily payment receipts, etc.
5. Applicants must have good personal credit.
As we all know, the requirements for applying for a credit card from China Merchants Bank are that you are over 18 years old, have a stable job and income, have a qualified personal credit report, etc.
6. Applicants for China Merchants Bank credit cards must have certain financial ability and no bad credit record. Applicants should be between 18 and 60 years old (overseas applicants are between 25 and 60 years old).
2. Basic conditions for Everbright Bank credit card:
1. Credit card applicants must be between 18 and 65 years old (inclusive), have full capacity for civil conduct, and be legally stable Income and personal credit report in the People's Bank of China are in line with China Everbright Bank's card issuance conditions.
2. A valid original ID card must be provided upon request (including but not limited to domestic resident ID card, foreigner’s passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, etc.).
Which bank credit card is easier to apply for? These are the cards that are easy to buy from the four major banks!
For all card lovers, of course they all want to get their favorite credit card quickly, but the most annoying thing when applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards from major banks, how should we choose? Which credit cards are easy to apply for?
1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate of card approval by the card issuer when checking customers' credit by binding the customer's Taobao account.
CITIC Bank's credit card approval speed has always had a good reputation among cardholders. According to tests, when applying for a credit card online from CITIC Bank, you will usually receive an SMS message from the bank within 24 hours. The efficiency is quite impressive! Apply for CITIC Taobao Card online now and get an instant discount of 30 yuan on your first quick payment. Don’t miss this offer!
2. GF True Love Card is the first credit card exclusively for women in China, with a transparent card design, advocating the female life philosophy of "independence, calmness, intelligence, and frankness", and has a three-fold points plan for merchants of your choice, Functional services such as optional insurance plans, as well as discounts from many merchants, provide women with more personalized choices and more considerate services. More importantly, applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.
3. Guangfa Car Owner Card is specially customized for private car owners. Provide a full range of discounts and services for car owners and their cars. Enjoy 100 kilometers of free roadside assistance nationwide, 5x points or 1 cashback discount for refueling with your card, optional high-value insurance protection, and many other features and discounts. Naturally, the application for the Guangfa Car Owner Card has reduced a lot of trouble for many car enthusiasts. When applying for the Guangfa Car Owner Card, users only need to provide the driving license of their car to greatly increase the success rate of applying for a credit card!
4. New users of China Merchants Bank’s QQ co-branded credit card will receive a free American Traveler fashion backpack of RMB 388 with a full credit card payment. New card customers only need to make three credit card purchases within two months, with each payment exceeding RMB 188. Receive a free American Traveler fashion backpack worth 388 yuan. The first cash withdrawal of each month is free of charge.
5. The best card to apply for is the China Merchants Young Card. This card is one of the most popular among young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply. If the cash withdrawal limit of up to 100 credit limit is not enough, then the first cash withdrawal in every calendar month is free of charge!
6. Ping An Bank’s credit cards are very down-to-earth, such as car owners’ cards for car owners, standard cards for supermarket shopping, platinum cards for airport discounts, and green channels to go directly to movie theaters. Card promotions cover food, fitness, entertainment, shopping, etc. The most popular and easiest credit card to apply for.
Which bank's credit card is easier to apply for and has a higher limit?
Relatively speaking, commercial banks are easier to apply for than credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.
1. China Merchants Bank Credit Card
The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.
Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple and fast. It is so powerful.
2. Bank of Communications Credit Card
What is often recommended is the Bank of Communications Y-power card, which has a cash withdrawal limit of up to 100. There is no annual fee in the first year, and you can swipe the card 6 times for free. The annual fee is very impressive.
The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank.
However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on refueling.
4. CITIC Bank Credit Card
It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verifying the information is very simple, as long as you provide a copy of your ID card. But as for raising the quota, it’s very difficult.
CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.
5. Guangfa Bank Credit Card
Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.
6. Everbright Bank Credit Card
It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.
In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will increase slowly.
That’s it for the introduction of which bank card and credit card is easier to apply for.