1. China Merchants Bank Credit Card:

The threshold for card approval is not high. It is the number one credit card brand in China. Its card issuance is second only to Industrial and Commercial Bank of China, and its overdraft limit is relatively higher than that of Bank of Communications. It is higher than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on your property and income. The longest interest-free period for consumption is 50 days.

2. Minsheng Bank Credit Card:

The requirements for card approval are higher than those of Bank of Communications, and if you are not a resident of the city, the card will not be approved at present. Some discriminate against people with rural household registration, and the overdraft limit is higher than others Banks are slightly higher. The interest-free period for consumption is up to 50 days. There is no handling fee for cash withdrawals at local Minsheng Bank teller machines. Minsheng Bank’s bill date and repayment date can be set by yourself. Points redemption is at a medium to upper level.

Which bank is the best to apply for a credit card? Just look at the comparison of these banks and you will know!

3. Everbright Bank Credit Card:

The threshold for card approval is very low. My Everbright Credit Card did not ask me for proof of employment or property. The overdraft limit is very high, which is basically better than any other credit card. It is a high-end bank. The longest interest-free period for consumption is 50 days. It has an automatic installment function. After the automatic installment function is activated, every time the card is swiped, regardless of the amount of the card, it will be automatically divided into 12 installments for repayment, which is more humane.

4. Shanghai Pudong Development Bank Credit Card:

The Shanghai Pudong Development Bank Credit Card only requires three months’ salary certificates after the salary card you apply for. However, Shanghai Pudong Development Bank does not have service outlets in many places, so the credit card application is of little use.

Basic application conditions for credit cards:

Generally, the application conditions are relatively close, and the actual operation is based on the regulations of each bank. Each card-issuing bank has its own card-issuing standards, which generally include the following: Over 18 weeks of age. Urban and rural residents who have a fixed job and stable income, and their workplace is usually in their permanent place of residence. Fill out the application form and sign in the "Applicant's signature" area.