In the credit card business, Changsha Bank Credit Card, Rural Commercial Bank Credit Card and Everbright Bank Credit Card are relatively easy to apply for among major bank credit cards and have relatively high limits. Others, such as China Construction Bank, Industrial and Commercial Bank of China, and the Central Bank, have relatively strict application requirements. In other words, China Agricultural Engineering Construction has the greatest difficulty in approval. The four major banks have the strongest infrastructure. They have invested too much in other businesses, and the review of credit card applications is relatively strict. However, whether it is easy to apply for a credit card mainly depends on the applicant's personal qualifications. The better the applicant's personal qualifications, the higher the credit card limit he can apply for, and the easier it is to apply. Since everyone's qualifications are different, the specific approval results and limit are determined after the card applicant submits the application materials and then connects with the bank's big data to determine the limit.

How to maintain a good personal credit report and get a smooth loan

Don’t be overdue: Whether you are repaying a credit card after swiping a card for consumption, or repaying a mortgage, you must pay attention Do not overdue repayments. Once overdue, not only penalty interest will be incurred, but the consumption record will also be saved in the personal credit system. Then when applying for a loan, it is easy to be rejected during the review.

Don’t have too many sleep cards: Many people always think that after applying for a credit card, it will not have any impact if they don’t activate it or use it. But in fact, if the credit card applied for is not activated, as long as the credit card is approved and the card is opened or not, it will be recorded in the cardholder's personal credit system, which will have a great impact on future credit card applications from this bank. And some specific cards have annual fees even if they are not activated. If you neglect this point, it is very likely that your credit card will be in arrears and overdue, resulting in a bad credit record.

Don’t default on living payments: The new version of the personal credit reporting system has been launched. All kinds of water and electricity bill payments and telephone bill payments in daily life are all recorded in the personal credit reporting record. Once you are unable to pay on time, or even subway fare evasion occurs, in the era of real-name system and the Internet, all your records will be recorded in the personal credit report, which will inevitably cause a bad credit report.

Only by maintaining a good personal credit record can you successfully obtain a loan. But we should also pay attention to saying goodbye to Baihu. Many people always think that if they have never taken out a loan and their credit report is very good, then the loan will be disbursed smoothly. In fact, users who have never taken out a loan may also be rejected when applying for a loan. A white bank account refers to someone who has never applied for a loan or credit card from any financial institution, and whose personal information has not been entered by the Credit Reference Center of the People's Bank of China. Generally speaking, for bank accounts, when you apply for a loan, the bank or financial institution cannot inquire about your spending power, repayment ability and credit status, and therefore cannot make objective and reasonable judgments. Therefore, it is often much more difficult for white accounts to apply for loans than for customers with credit records. Without a personal credit record, the bank cannot guarantee whether the borrower can repay the loan on time and in full, so in order to control the bank Due to one's own credit risk, one will generally be cautious in lending. Even after agreeing to a loan, the loan amount will not be ideal. Therefore, it is also necessary to take out a loan appropriately or apply for a credit card reasonably.