1. Bank of Communications: The threshold for Bank of Communications to approve cards is very low. You only need to provide your ID card and your work certificate (that is, work permit, badge, or income certificate stamped with the official seal of the company, or even the original business card and a copy of the pass card of the institution).
2. China Merchants Bank Credit Card: China Merchants Bank is the first credit card brand in China, and there are many cardholders who hold its credit card, which is also because its card approval threshold is not high. However, its quota is high or low. Of course, this mainly depends on the applicant's property and income.
3. China Everbright Bank: It's also easy to apply for a credit card of China Everbright Bank. Its card approval threshold is very low, and some cardholders responded, so they passed the application without submitting their work certificates and property certificates.
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The advantages of a credit card are
1. You don't need change when you spend money by swiping your card (especially in supermarkets).
2. Spend in advance, and don't worry about not having enough money to buy things (both advantages and disadvantages).
3. You can download the bill, which is convenient for bookkeeping and statistics.
4. You can redeem points.
5. You can borrow cash in advance for emergencies.
compare four kinds of cards: CCB, ICBC, China Merchants Bank and Bank of China. (Bank of Communications, Agricultural Bank of China, commercial bank, etc. are not clear. )
CCB: It has the widest range of ATMs and business outlets, and the authorized amount is relatively low, with a handling fee of 1% for each cash advance, with the lowest 2 yuan. Automatic deposit machines are relatively backward.
ICBC: There is no handling fee for cash advance, and there is an interest-free period of 3-5 days. Business front desk can provide credit card consumption ledger. It seems to be the only local bank with a credit card customer service center.
China Merchants Bank: The authorized amount is relatively large, and it has the most advanced teller machines and the best automatic deposit system in the bank I know. A handling fee of 1% is charged for each cash advance, with the lowest 1 yuan.
Bank of China: The online inquiry system is relatively good, and a 4** national unified service telephone platform has been opened to support local mobile phone calls. The ATM does not support automatic deposit, and the business front desk cannot provide credit card consumption details. A handling fee of 1% is charged for each cash advance, with the lowest 8 yuan.
Take the estimated travel expenses in China Merchants Bank or Bank of China as an example: 4, yuan is withdrawn for 15 days, and the expenses incurred are
1. Cash withdrawal fee: 1% × 4, yuan = 4 yuan.
2. Interest: five ten thousandths/day × 4, yuan ×15 days = 3 yuan.
total 7 yuan.
If you use CCB, you may not have such a large cash withdrawal credit. If you use ICBC's card, you can basically save 7 yuan.
if you are used to using cards, it is recommended to handle more than two cards to prevent accidental factors such as accidental card swallowing, degaussing, ATM failure and insufficient credit line.
China Minsheng Bank
Advantages: high integral value; Staging does not occupy the quota; Gold card has a lawyer service is not bad; ID card is very personal, that is, it needs business card printing fee; There is no handling fee for cash withdrawal. Disadvantages: few outlets; Alipay is not supported. Advantages of Industrial Bank: to support "Tenpay" repayment; "Gold card" can enjoy