Which bank credit card is easier to apply for
Each bank has a wide variety of credit cards with different standards. The following are the credit cards that are easier to apply for
1. China Guangfa Bank Credit Card
Guangfa Credit Card has many activities, a large limit, and is easy to apply for. Therefore, GF has many loyal fans. The easiest credit card to apply for is, of course, the GF Zhenqing Credit Card. This card is the first female-only credit card in China, and its 3x points at merchants of your choice have made countless female consumers crazy. 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.
2. China Merchants Bank Credit Card
The best card to apply for is the China Merchants Young Card. This card is one of the most popular cards 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 the maximum credit limit of 100 is not enough, then the first cash withdrawal in each calendar month is free of charge~~
3. Ping An Bank Credit Card
Ping An Bank Credit Card is ten points It is down-to-earth, such as the car owner card for car owners, the standard card for supermarket shopping, the platinum card for airport discounts, and the green channel to go directly to the movie theater. Card promotions cover food, fitness, entertainment, shopping, etc. The TOP2 most popular and best credit cards.
4. CITIC Bank Credit Card
CITIC Bank’s online application for credit card is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours! The verification information is very simple, just make a photocopy of your ID card, and there are many promotions, such as points for refueling, cash back when you spend enough, free food, free movie tickets, etc. Cards can be issued as quickly as one day, with a maximum credit limit of 100,000. These are the two most worth-buying credit cards from China CITIC Bank.
5. Everbright Bank Credit Card
The installment fee of Everbright Credit Card has always been the lowest in the country. The approval rate is high and the card can be obtained as soon as one day. It is well-known among card friends. All pretty good. Ten Yuan Hui Life creates the most affordable food, drink and entertainment activities. Ten yuan to watch movies, enjoy delicious food, wash beautiful clothes, and wash beautiful cars?
6. Industrial Bank Credit Card
Industrial Bank has fewer outlets, but has many activities and benefits. For card lovers who love traveling, the Mango co-branded credit card is indispensable. It is the oldest and most popular card among domestic credit card travel products. In addition, the application success rate is often much higher than other credit cards. Of course, if you can also indicate your intention to travel overseas to the customer service staff during the card application process, then your Mango Card application will be guaranteed!
Which bank’s credit card is best to apply for?
China Merchants Bank is good, and it is very convenient to apply. You don’t have to go to the counter to queue up. You can operate it on your mobile phone. You don’t have to go through too troublesome procedures, and the application is successful easily. China Merchants Bank usually offers a lot of special promotions for its credit cards, and there seems to be discounts in popular business districts. There is also a 50% off food event on Wednesdays, which is very practical! The application threshold for it is extremely low. White-collar workers who have just graduated can apply. College students over 18 years old with a formal internship contract can also apply. If the requirements for raising the amount are relatively high, it is recommended to apply for a China Merchants Bank. If used well, it is basically recommended every 3 months. It is difficult to apply for a credit card from the four major banks and it is easy to be rejected. The threshold of these state-owned banks is relatively high. Then there are some other commercial banks, even if they are approved, the quota will not be too high.
Applying for a card is basically a step-by-step process. Graduation from Basic Gold Card to Little Platinum Card. At first glance, it is unrealistic to want a high-end top platinum card, unless you are a very well-qualified state-owned enterprise. The world can infer your after-tax salary through the social security provident fund base paid or a rich friend who can save hundreds of thousands or millions for a few months. , ICBC and Bank of China are well-known. They dare to place a card for you if you dare to make a fixed deposit. The amount of the card is linked to the amount of your fixed deposit and the time.
Or those who have assets in their name, such as house and car certificates. The more expensive the car, the better. The house certificate depends on the policy of the local bank. The above conditions are all bonus points for high-end top cards. There are also big guys who have nothing. If you've been there before, don't think too much, just place the card first and it will be fine if you can.
Moreover, China Merchants Bank’s credit card also has a cash withdrawal limit of up to 100. In case of urgent need for money, this money can also be used for emergency relief. In addition, it depends on the individual’s own situation, such as your own If you have a mortgage loan with ICBC, it will be better for you to apply for it. For example, China Construction Bank has car loans, the same applies. If you don't have any of them and only have a job, apply to a commercial bank such as Bank of Communications and Shanghai Pudong Development Bank. In fact, it mainly depends on your own credit, any bank will do.
Which bank credit card is the best?
Credit cards from China Merchants Bank, China Everbright Bank, 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, China 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’s credit card is best to apply for?
Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. So do netizens know which bank’s credit card is best to apply for? Interested netizens, let’s find out together.
1. Industrial and Commercial Bank of China. It’s not for nothing that it’s called the number one bank in the universe. It’s easy to apply for a credit card with a high credit limit, and the application requirements generally only require you to meet basic age, job, and income requirements. ICBC currently issues quite a few cards, such as the Forbidden City co-branded card, which will be released to a certain extent during the main promotion period. If you want a higher limit, you need to have copies of documents proving your own real estate or car ownership, ICBC "Elite Account" card, etc. These materials will not only help with card approval, but also increase your credit limit. According to experience, the average ICBC card limit is about 40,000.
2. Bank of Communications. Although Bank of Communications has stricter risk control, it has always had a good reputation among the public. It is the first choice of many people and is more suitable for young people with academic qualifications to apply. Therefore, Bank of Communications has a very good card acceptance rate. When it comes to the first card here, we have to mention Bank of Communications Y-POWER Credit Card. This card not only has a high credit limit, but also has a cash withdrawal limit of up to 100. It also has various discounts. It is also relatively easy to apply for and is very value for money.
3. China Merchants Bank.
Like Bank of Communications, China Merchants Bank's credit card is relatively popular because its initial limit is very good and it is relatively easy to increase the limit. Therefore, China Merchants Bank's card approval rate is also quite high and it is easy to apply for a card. Bank of Communications has Y-POWER credit card, and China Merchants Bank has a similar YOUNG card. Not only does it have a generous limit, but as a youth card, the application threshold is not high. Generally, newly graduated office workers or college students over 18 years old can apply. The campus version of the YOUNG card has no limit, and parents’ consent is required to obtain the limit.
4. China Everbright Bank. The threshold for applying for a Everbright Bank credit card is low and it is relatively easy to get approved. The average card limit is around 33,000. China Everbright Bank's credit review policy is rigorous but also flexible, and the credit limit given is not conservative at all. In terms of limit increase, as long as you have good credit and can use their cards normally, the speed and magnitude of the limit increase are fine. Everbright launched a new Douyin Platinum Card this year, which covers a lot of rights and interests, and the limit is quite satisfactory, with a maximum of 80,000.
5. Industrial Bank. Industrial Bank is much weaker than other banks. In order to have a higher market share, the conditions for applying for a card are as long as you are over 18 years old and have no bad credit history. Industrial Bank's bank card and PICC Elite Card have always been praised by people, so if you want to apply for an Industrial Bank card, start with these two. In addition, the average limit of Industrial Bank's card is around 24,000.
6. Huaxia Bank. There are not many famous credit cards from Huaxia, and the Lufthansa co-branded card is one of them. The average Hua Xia Bank card limit is around 24,000, which is slightly lower than Industrial Bank. The conditions required to apply for a Hua Xia Bank credit card are not demanding and can usually be met: age requirement is 18-60 years old; stable job and source of income; identity document: copy of resident ID card or military officer ID card.
7. China CITIC Bank. CITIC Bank's credit review policy is relatively loose, and the credit limit granted is generally higher than that of other banks. CITIC Bank also has a wide range of credit card types, and the application threshold is not high. Like the CITIC JD Little White Card, this credit card not only has a high limit, but also enjoys the gold card rights of CITIC Credit Card and the rights of JD Baitiao. The application requirements are not difficult, as long as you have a stable job, you can apply.
8. Agricultural Bank of China. Finally, let’s talk about old farmers. To be honest, it is not easy for old farmers to apply for a state-owned bank. Although the credit card limit is high, the average card limit is around 35,000, and there is no upper limit. All reputable Chinese citizens, foreigners permanently residing in the country, and compatriots from Hong Kong, Macao and Taiwan who are over 18 years old and have a fixed residence in the location of the card-issuing bank, have stable income and full capacity for civil conduct can apply for a credit card from Agricultural Bank of China with their valid documents. , but whether you can successfully place the card depends on your ability. So no wonder I ranked it last.
It doesn’t mean that the quotas of other banks not on the list are ridiculously bad. There will definitely be differences, but this is just an average data. As long as you use the card properly, the final limit is still in your hands.
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 gas.
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. Verification of information is very simple, as long as a copy of the ID card is provided. 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 gradually increase.
Which bank’s credit card is easier to apply for?
Banks that are easier to apply for credit cards include Bank of Communications, China Merchants Bank, Industrial and Commercial Bank of China, China Everbright Bank, Ping An Bank, etc.
The following is a detailed introduction:
1. Bank of Communications Credit Card:
The threshold for card approval is very low. You only need to provide ID card and work certificate (i.e. work permit) , a badge, or proof of income stamped with the official seal of the unit is also acceptable, or even the original business card and a copy of the pass of the public institution are acceptable)
The overdraft limit is not very high, of course the information provided is relatively Comprehensive, and the amount of proof of ownership of real estate, cars, etc. will be much higher. Bank of Communications's interest-free period for consumption is relatively long at 56 days. In addition to the YONG-POWER card, you can apply for installment repayment for a single purchase of more than 1,500. There is no free SMS reminder function for transactions, and there is a transaction reminder SMS service of 3 yuan per month.
Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan in cash, you will also be charged 10 yuan.
Points: one dollar per point, easy to accumulate, no points for cash withdrawal.
2. 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 property and income. The longest interest-free period for consumption is 50 days.
Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. The online mall is quite good and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card. The credit card has a good reputation. good.
3. ICBC Credit Card:
As the largest bank in the world, ICBC is the most powerful bank, but in fact it is not that superior. On the contrary, it has the largest number of credit card issuances. .
ICBC’s credit card requirements are not very strict. Many users with bad credit records have applied for a large number of cards, and there are even some cases of debiting cards from illegal accounts.
However, ICBC pays more attention to the user's contribution star rating and asset strength, so before applying for an ICBC credit card, you can apply for a savings card first, and then increase the contribution star rating (up to seven stars), and then have If you have the conditions, you can save some time deposits or buy precious metals and financial management, etc., and then apply for a credit card. It is best to provide proof of real estate, car license, etc. This operation is almost 100% successful, and the limit is not low.
4. China Everbright Bank Credit Card:
The threshold for card approval is very low, the overdraft limit is very high, basically higher than any other bank, and the longest interest-free period for consumption is 50 days. Automatic installment function. After the automatic installment function is activated, every time the card is swiped for consumption, regardless of the amount of the card, the payment will be automatically divided into 12 installments, which is more humane.
Cash withdrawal: The handling fee is 1%, with a minimum of 3 yuan per transaction, which is the lowest among all other banks.
Free text message reminder: a text message is automatically sent to your account for each transaction on your mobile phone and there are no charges.
5. Ping An Bank Credit Card:
Ping An Bank, which started out as an insurance company, has never been able to get rid of the characteristics of a salesman. Even selling a credit card can be the same as selling insurance. There are many merchant activities, but there are also many promotional activities and various spam messages. If you have a car, you can enjoy various value-added services, and the credit limit will increase very quickly. There are preferential treatment for girls when applying for cards, and some card types only require an ID card to apply.
Credit card application skills:
1. Specific personal conditions
Strictly speaking, which bank to choose to apply first depends on each person's conditions. For example: do you have a real job, do you have social security, do you have a check-in salary, are there any records of card application rejections in the past three months, do you have a lot of turnover on your frequently used savings card, do you have a house or car or other assets... Either way, you can choose different approaches.
2. Ignore the four banks, Industrial, Peasant and China Construction for the first time
Theoretically, these four banks have relatively high asset requirements, so to be on the safe side, there is no major interaction with these four banks. In this case, it is better to give priority to exclusion.
3. Start with commercial banks
The ten that are often mentioned are: Jiao, Zhao, Hua, CITIC, Pu, Guang, Ping, Min, Xing and Guang. But now these local banks are also good, such as Bank of Shanghai. These are the banks we prioritize.
Based on the data, the above companies that have the easiest time applying for those without three qualifications are: CITIC, Guangfa, Everbright, Pudong Development, etc. Of course, transportation and investment are also good.
4. Determine the bank and card type
First of all, from the perspective of application, banks that are better at issuing cards are generally banks that do more marketing, which means, If you open a web page and search for credit cards, the ones that appear most frequently are easier to apply for.
Because credit cards that are easy to search for will definitely invest more money in marketing, which means that only a larger number of card issuances and a better card issuance limit can cover this cost. Currently, the banks on the market that do a lot of marketing include China Merchants Bank, Ping An Bank and China Guangfa Bank. Interested friends may wish to try to apply.
5. Try to find a bank with more cooperation to apply for a card
From the general thinking of banks, the bank that is easier to issue a card is a bank that has an account with the bank. Generally, when applying When applying for a credit card, it is recommended to choose the issuing bank of your salary card to apply for a credit card, because in this bank, personal turnover is relatively high.
Personal bank flow is also a very important link in credit card approval. Therefore, friends in need can choose to try to apply.
6. Don’t apply for too many credit cards at once
Some users will apply for credit cards from several banks online because they are anxious to apply for a card. Doing so will not add points to your credit card application, but will have a negative impact on your credit card application, because the bank can see the card application status in the credit reporting system of the card applicant.
That’s it for the introduction of which credit card is best to apply for.