What are the banks where it is easy to apply for a credit card?

1. Bank of Communications: The threshold for applying for a credit card at Bank of Communications is very low, and the speed of issuing a card is also very fast. The bad thing is the comparison of credit limits. Low, but this is more suitable as an entry card for newbies. Pure white households without credit may consider it.

2. Everbright Bank: If you already have an Everbright Bank credit card, you can apply for a credit card by applying for a credit card, so the chance of getting the card is higher. The limit of China Everbright Bank is around 10,000 to 20,000.

3. China Guangfa Bank and China Merchants Bank: These two banks are not as easy to apply for as the first two banks, but relatively speaking, the threshold for applying for a card is not very high. Moreover, China Merchants Bank increases the limit very quickly, so you don’t have to worry too much if the initial limit is low. China Guangfa Bank has many activities and rich rights and interests.

4. Ping An Bank and China CITIC Bank: It is not easy to apply for these two banks. If you already have a credit card with a limit of about 45,000, you can apply at this time, so that the chance of getting the card will be better. High, the bank will determine the limit given based on the maximum limit of the cardholder's existing credit card.

5. Shanghai Pudong Development Bank: Shanghai Pudong Development Bank will also decide based on the maximum limit of the credit card held by the cardholder, but Shanghai Pudong Development Bank only focuses on the frequency of cardholder use and does not pay much attention to the debt ratio, so it is suitable for debt Applications with a higher debt ratio generally have a higher chance of being rejected by other banks. Moreover, Shanghai Pudong Development Bank Universal Bank is also very powerful.

6. The four major banks: If you do not have certain financial strength, you should not consider applying for a credit card from the four major banks. The application threshold for the four major banks is high, and the hard requirements are also very high, but after all, they are the four major banks, and there will definitely be no shortage of activity rights and various discounts.

The five most worthy credit cards are China Merchants Bank Young Card, Shanghai Pudong Development Bank AE White Card, Guangfa Zhenshang Platinum Card, Ping An Bank Car Owner Card, and Bank of Communications Walmart Co-branded Card

Answer: As there are more and more types of credit cards, we have more choices, but many cardholders who are just getting started don’t know how to choose a credit card that suits them. Some friends care about appearance, while others only care about credit limit and rights. So which banks’ credit cards are worth applying for? The editor has compiled for you five credit cards from different banks that are worth buying. Whether you are a novice who is just getting started or a senior card user who pursues rights and interests, these five credit cards can satisfy almost everyone.

1. China Merchants Bank Young Card

Yes, this Internet celebrity card, which is called Xiaobai’s new credit card, is a common card, but it is very worthy of everyone’s support. The qualification requirements are not high, and it is very easy to apply for the card, but this card is only available to people under 30 years old, so if you don’t have a credit card, it is very good to choose this first. Similar to this card are Bank of Communications Youthpower and Pudong Development Youth. The application age for Youthpower is raised to under 35 years old. But this is the only card that can withdraw 100% of the limit, and it is free of handling fees for the first time every month. It also has various benefits such as card opening gifts. It is very easy to maintain. It only takes about a year to reach the limit of 50,000.

2. Shanghai Pudong Development Bank AE White

Yes, this is one of the four legendary cards, named American Express Platinum Credit Card. If you have this card, I think it is OK. Post it in a circle of friends, haha. If you apply for Pudong Development Ae White for the first time, you can enjoy an unconditional annual fee exemption for the first year. In addition, there are unlimited VIP room privileges throughout the year, 6 companions, 4 free airport pick-up services within the country, and 50,000 credit card points redeemable for domestic and overseas five-stars. A one-night stay experience in a first-class hotel! Very tall and worth raising.

However, the threshold for applying for this credit card is relatively high and requires the applicant to have certain qualifications. However, if you apply with a platinum card from another bank, the probability of applying for the card will be greatly increased, and recently Pudong Development Bank The bank’s platinum card is free, and those who have been rejected before can also give it a try.

3. GF Premium Platinum Card

The main benefits of this card are also in terms of travel, including discounts on air and rail. At the same time, this card also has 3 times the points, which can be redeemed for miles, so if you want to maintain a Guangfa credit card, this card can also be considered.

The most important thing is that this is a platinum card with no annual fee and you can redeem miles at no cost. Like it or not!

4. Ping An Bank Car Owner Card

Almost all car owners will consider getting a truck owner card, because there are many targeted benefits and discounts, and Ping An’s card is even more popular among many car owners. It's all available, with 12% off on refueling every day, as well as 1.1 million yuan of personal accident protection insurance and nationwide free roadside assistance, which is irresistible to drivers. This card is divided into gold card and silver card. If your qualifications are average, you can consider the gold card, but gas is discounted, so it doesn’t matter which one you apply for.

5. Bank of Communications Wal-Mart Co-branded Card

If it is used in daily life, the benefits of this card are very good, because this card is almost specially designed for us to go to the supermarket. , and it is not difficult to apply, many people can apply easily. Because it is jointly launched with Wal-Mart, there are also many great value benefits for spending at Wal-Mart. For example, every Saturday to Thursday, you can enjoy a 2.5% credit card discount when you shop at Wal-Mart. There is no annual fee for this card in the first year, and there is no annual fee for the following year if you swipe the card 6 times in that year. It is also easy to maintain. Just go to Wal-Mart a few times on weekends to buy things.

The above are the five credit cards that the editor has compiled for you that are currently the most worthwhile. They are also the most widely used credit card types at the moment.

What are the banks that can handle credit cards?

There are many banks that can handle credit cards, for example:

1. The four major state-owned banks: China Construction Bank, China Bank, Agricultural Bank of China, Industrial and Commercial Bank of China.

2. Joint-stock commercial banks: Ping An Bank, Guangfa Bank, China Everbright Bank, Industrial Bank, Shanghai Pudong Development Bank, China Merchants Bank, Huaxia Bank, CITIC Bank, etc.

3. City commercial banks: Bank of Beijing, Bank of Shanghai, Bank of Hankou, Bank of Tianjin, Bank of Hebei, Bank of Ningbo, Bank of Jiangsu, Bank of Shengjing, Bank of Nanjing, Bank of Guangzhou, etc.

Introduction to China Construction Bank:

China Construction Bank (China Construction Bank), formerly the People's Construction Bank of China, was established on October 1, 1954 (later established on March 26, 1996 Officially changed its name to China Construction Bank). The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.

Introduction to Ping An Bank:

Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China. The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province. Ping An Insurance (Group) Co., Ltd. of China (hereinafter referred to as "Ping An") and its holding subsidiaries hold a total of approximately 2.684 billion shares of Ping An Bank, accounting for approximately 52.38%, and are the controlling shareholders of Ping An Bank.

Introduction to Everbright Bank:

China Everbright Bank (CHINAEVERBRIGHTBANK, Everbright Bank) was established in August 1992. It is a national joint-stock system approved by the State Council and approved by the People's Bank of China. Commercial Bank, headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.

What banks can apply for credit cards

Commercial banks or credit card companies, Bank of China, and the four major banks can all do it

In most cases, it is a completely civil act. Citizens with sufficient financial resources (citizens over 18 years old in mainland China) and with certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

Extended information:

The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits and different types of credit cards in different banks. It may even happen that some banks approve the application, while others reject it.

The bank will determine whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

After receiving the authorization notice, the card-issuing bank will issue an authorization instruction based on the deposit balance of the cardholder's deposit account and the bank's agreement to allow overdraft, and reply whether it agrees to conduct the transaction.

Baidu Encyclopedia - Credit Card

This ends the introduction of which banks can apply for credit cards and which banks can handle credit cards. I wonder if you have found the information you need?