Now it is only over two months before 20 17, so many cardholders will still choose which bank to apply for their credit cards. If you are applying for a credit card for the first time, you must choose a good bank to handle the card and choose a credit card that suits you according to your actual needs.
So, which bank has a low credit card application threshold? If you have similar questions, you can refer to the six banks introduced.
1, China Merchants Bank
China Merchants Bank's credit card issuance is relatively large, which is inseparable from its low application threshold. However, although the application threshold of banks is low, the audit is also strict, so you should choose those credit cards that are easier to apply for.
The best card of China Merchants Bank is this China Merchants YOUNG card, which can be easily handled by a newly graduated white-collar worker. Of course, if you are a college student aged 18, you can apply as long as you have a formal contract.
This card has two attractions. One is that the withdrawal amount is as high as 100%, and the other is that the first withdrawal is free every natural month. However, the card is only for friends under the age of 30, and those over the age will be adjusted to other cards even if they apply.
2. Bank of Communications
Among the major banks, Bank of Communications is the one with higher credit card price. The annual Red Star Festival, Super Red Star Festival, Weekly Brush and other activities are the annual activities of Bank of Communications. In addition, Bank of Communications has a high initial amount and a long interest-free period. The standard credit card has an interest-free repayment period of up to 56 days!
Here is a brief introduction to the Bank of Communications Y-power card, which is also a cash withdrawal card. The general card approval amount is 1 1,000 yuan, and the withdrawal amount is as high as 1 1,000%, and the initial installment amount is relatively low. As long as the current consumption is full in 500 yuan, you can apply for installment.
3. Guangfa Bank
Guangfa credit card is favored by cardholders because of its many activities, large amount and convenient application. Anyone who meets the age of application and has a stable job can apply. Basically, the upper and lower cards start at 5000 yuan. If an event is held, Friday's Guangfa Sharing Day will be a signboard, attracting many card friends.
If you want to apply for a Guangfa credit card, you can consider this Guangfa DIY card. The biggest advantage of this card lies in its 3 times points of self-selected merchants, which is especially suitable for wool party brush points and bonus hunter. More importantly, it is simple and quick to handle this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.
4. China Everbright Bank
The installment fee of Everbright Credit Card has always been the lowest in China. Secondly, the new card quota and approval success rate of Everbright Bank Credit Card have a good reputation among card friends. The bank creates the most affordable activities of eating, drinking and having fun with a credit card of 10 yuan, including watching movies, enjoying food, washing beautiful clothes, washing beautiful cars and so on.
Here is the introduction of Everbright Beauty Perfume Credit Card, which has a unique interest-free installment function, effectively alleviating the financial pressure of users and helping women manage their finances easily. The card also provides cardholders with interest-free installment tours of multiple routes around the world, as well as travel accident insurance gifts with the insured amount as high as 1 10,000 yuan.
5. China CITIC Bank
CITIC Bank's credit card network application is quite efficient, and the bank will accept it within 24 hours! Auditing information is very simple, just copy an ID card, and there are many preferential activities, such as refueling points, full cash back, free food, giving away movie tickets and so on.
This paper introduces the Carrefour co-branded credit card of CITIC Bank, which is designed for the daily consumption needs of community residents and is also a Carrefour membership card. It has such affordable and convenient functions as supermarket cashback, special price day, exclusive cashier channel and Carrefour commodity membership price. , suitable for family members to apply.
6. Shanghai Pudong Development Bank
Pufa credit cards are generally higher. Compared with other banks' credit cards, Pudong Credit Card has many special functions! 24-hour anti-fraud function and 24-hour global emergency support service. Of course, there are many preferential activities such as 10 yuan watching movies, scanning the code to pay 40 yuan full reduction and 20 yuan reduction on Thursday ~ ~
Here is a brief introduction to the Pudong Youth Credit Card, which can provide cardholders with two credit lines, exceeding the normal credit line by the minimum dream sum of 1000 yuan, so that young people with dreams can not only spend money with the card, but also get cash support to realize their youthful ideals. More considerate, they can get a 30% discount on the handling fee when they apply in the first year.
Bank of communications Y-POWER credit card
(The maximum withdrawal amount is 100%, and the withdrawal fee is as low as 5 yuan).
What credit card should I apply for for the first card? These credit cards have low thresholds and gratifying quotas!
It's the first time to apply for a credit card. Many friends don't know how to choose a card. If the choice is not good, they will be easily rejected, or even if they are lucky enough to get a credit card, they will not be satisfied. In order to let everyone get off the card smoothly, I will introduce three credit cards with low threshold and gratifying quota, which have been widely recognized by the credit card industry. Friends who apply for a card for the first time can refer to it.
1, Minsheng Female Credit Card
Although this credit card has been online for several years, it is still one of the first choice cards for many women, and it is very favorable for female friends. Generally speaking, as long as the job is stable and the income is more than 3,000 yuan, it is no problem to get a gold card. The first card amount is generally not less than 6,543.8+0,000 yuan. The card is exquisite and beautiful, with rich rights and interests. Every Thursday is the cardholder's exclusive consumption day, and you can enjoy the exclusive "fragrance rights", and you will accumulate double points for consumption on that day.
2. Bank of Communications Y-POWER Card
Bank of Communications Y-POWER Card is known as the most suitable credit card for young people. Its application threshold is very low and it is Xiaobai's favorite. As long as the qualification is not too bad, the card batch is basically no problem. This credit card can be cashed in full, regardless of the amount, and the withdrawal fee is 5 yuan per transaction. Card holders can participate in various signboard activities of Bank of Communications, such as the hottest week, and so on.
3. China Merchants Bank Youth Card
Friends who know something about this credit card know that this credit card is very suitable for young people under the age of 30 and is the best choice for many people to get their first card. Generally, they have a college degree or above, and they can easily cope with a stable job. Generally, if the batch starts at 10000 yuan, it can be withdrawn at 100%, and the handling fee can be exempted every natural month.
Summary: All the above three credit cards can be applied online. Here, it is recommended to apply on Alipay, and the amount of authorized sesame cards is faster. Generally, the results will be available on the same day, but online applications may need to be signed at the counter to be activated. As long as you bring your ID card, it is still easy to answer the questions of the staff according to the information filled in when you apply for the card.
What bank has a low threshold for handling credit cards?
Banks with low credit card thresholds are:
1. Bank of Communications has low application threshold, quick withdrawal, long interest-free days, Y-power card 100% withdrawal, double points for in-store consumption of Wal-Mart card, and the highest point for in-store consumption can reach 1%.
2. China Merchants Bank has many kinds of cards, low bid threshold, permanent and effective points, strong online banking and convenient operation. Apple official website Merchants Bank does not charge fees for installment shopping, but the interest-free period is the shortest among all issuers, and the shortest is 18 days.
3. Compared with other state-owned banks, China Construction Bank has a lower application threshold and a lower handling fee (0.5%), and overdraft cash withdrawal supports the minimum repayment, but there are not many preferential activities.
Origin:
The word "bank" comes from Banca, Italy. Its original meaning is bench and chair, which is the business appliance of the earliest money changer in the market. English translation into Bank means the cabinet for saving money. In China, it is called "bank" because of the history of China's economic development.
In the history of our country, silver has always been one of the main monetary materials. "Silver" often represents money, while "bank" is the title of large commercial organizations. Calling a large financial institution dealing with money a bank was first seen in the Book of History by Hong Ren of the Taiping Heavenly Kingdom.
Origin:
It is generally believed that the earliest bank was established in Venice in 1407. Later, the Netherlands set up banks in Amsterdam, Germany in Hamburg and Britain in London. From the end of 18 to the beginning of 19, the bank developed in general.
/kloc-in the 0 th and 7 th centuries, some civilians became rich through business and became wealthy businessmen. To be on the safe side, they all put their money in the king's vault. It should be noted here that there was no paper money at that time, and the so-called saving money refers to storing gold.
Because the system of "free coinage" was implemented at that time, anyone could take the gold nuggets to the mint and cast them into gold coins, so the mint allowed customers to deposit gold. Unfortunately, these businessmen don't realize that the mint belongs to the king. If the king wants to use the gold in the mint, nothing can stop him.
1638, the king of England was Charles I, who had a war with Scottish nobles. In order to raise military expenses, he requisitioned gold from the people in the mint and lent it to the king.
The picture below shows Charles I, who was beheaded by Cromwell in 1649. This is the famous British bourgeois revolution. For details, please refer to Notes on British History (IV).
Although the confiscated gold was finally returned to the original owner, the merchants felt that the mint was no longer safe. So, they put the money in Goldie's house. The goldsmith issued a voucher to the depositor, and then he could take out the gold with this voucher.
Soon, merchants found that when they needed money, they didn't need to take out gold at all, just give the gold certificate to each other.
Later, the goldsmith suddenly realized that the original voucher he opened had the function of money! They couldn't resist the temptation and began to open "fake coupons". But magically, as long as all customers don't come to collect gold on the same day, "fake coupons" are equivalent to "real coupons". This is the origin of the "reserve system" of modern banks and the origin of the "money creation" mechanism. The banking system can enlarge the amount of credit money, but physical money can't.
Let's stop here for the introduction of which credit card has a low threshold.