Which is easier to apply for a credit card?
Owning a credit card has always been a small dream of many people. However, it is not easy to apply for a credit card, especially for the first time. Choosing the wrong bank is easy to be rejected. So, which bank is the best for handling and applying for a credit card?
Today, Bian Xiao will help you take stock.
1, China CITIC Bank
CITIC Bank issued credit cards earlier, but due to its old qualifications, it did not raise the application threshold. When applying, you only need to submit the application materials online, and then you will receive a credit phone call and SMS reminder from the bank, asking you to take your ID card to the designated outlets for data review, and the approved card will be sent out. Reviewing the materials is very simple. The fastest day from application to card issuance is half a month at the latest.
However, CITIC Bank is also known as an "iron cock", and it is very difficult to raise the amount. Many people need to change their cards after five years of use, or the original number of cards.
2. Bank of Communications
Bank of Communications has a very low threshold for card approval. As long as you provide your ID card and work certificate, you can basically get off the card. The requirements for proof of work are also simple, such as work permit, badge, business card, income certificate stamped with the official seal of the unit, and even a copy of the pass of the institution.
You can get extra points if you have a degree. The first time you apply for a basic college degree, you can get a bachelor degree of 15000.
There are also many offline booths of Bank of Communications, which can often be seen in front of large supermarkets such as Wal-Mart and Lianhua. If personal qualifications are average, it is better to find a salesman than to apply online.
3. China Merchants Bank
China Merchants Bank's credit card issuance volume is second only to China Industrial and Commercial Bank, the largest bank in China, and its service reputation has been very good. The threshold for handling cards is not high, which is comparable to that of Bank of Communications. There is no problem with basic credit information. If you have a stable job, you can apply for a card, and the amount is raised quickly.
The young card launched by China Merchants Bank is the first choice for many young people to be the "first card in life". Except for bachelor degree or above and work, 100% withdrawal amount is the biggest highlight.
It should be noted that some cities do not support online application of China Merchants Bank credit card. When you apply for a card for the first time, the salesman will often "go to your unit to ask about the relevant situation". Be careful if you want to "package" your own.
4. China Everbright Bank
Everbright Bank has a low threshold for card approval, and the amount of cards issued is higher than that of other banks. Most ordinary cards can reach the amount of 10000 as long as they are issued. Every time you swipe your card, no matter how much you spend, there is a SMS reminder, and it is completely free. It's just that the questions asked by phone after the card is processed are quite strange, and even several people in the household registration book will ask them.
5. Guangfa Bank
Credit cards of local commercial banks are generally easier to apply than those of established big banks, and Guangfa Bank is a good example. As a rising star, credit card business has been catching up with its predecessors, so the threshold is relatively low. As long as you can issue a work certificate and other conditions can be ignored, you can get off the card.
Some people may ask: why didn't workers and peasants build the four major lines?
Because the credit card threshold of the four major banks is relatively high. Correspondingly, the credit cards of the four major banks also have incomparable advantages over other commercial banks in terms of loan interest, installment fees and preferential activities. In particular, ICBC's credit card is recognized as the best credit card.
Therefore, you can apply for credit cards that banks can easily pass first, and then apply for credit cards of the four major banks after your qualifications reach a certain level.
The following are the credit card drainage channels of Ping An, Minsheng and China CITIC Bank. You can apply for it yourself if necessary!
Ping An Bank Credit Card Application
CITIC Bank Credit Card Application
Minsheng bank credit card application
What bank's credit card is easier to handle and has a high quota?
Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
Which bank credit card is easy to handle?
Banks with easy credit cards include China Everbright Bank, Ping An Bank, Shanghai Pudong Development Bank, China CITIC Bank and Bank of Communications.
1, China Everbright Bank
China Everbright Bank Credit Card Center was founded in July 2003 and formally established at the end of 2003. Directly under the head office of China Everbright Bank, it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations participating in national joint-stock commercial banks. There are many ways to attend classes, which is very convenient.
2. Ping An Bank
Ping An Bank Credit Card is the first credit card launched after Shenzhen Commercial Bank merged with Ping An Bank and changed its name to Shenzhen Ping An Bank. In addition to basic functions such as credit consumption and cash advance, Ping An Bank also has many unique functions, providing cardholders with all-round security protection covering "safe consumption, safe home and safe travel". It is very convenient to handle.
3. Shanghai Pudong Development Bank
Pufa Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank, which enjoys various discounts and can also apply for photo cards for free. Any natural person who has reached the age of 18, has full capacity for civil conduct, has a legal and stable source of income and solvency, and has a good credit status. You can apply with your valid ID card and other documents required by the credit card center.
4. China CITIC Bank
On June 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. By the end of June, 2006, the cumulative number of credit cards issued was nearly 2 million, ranking first in the domestic banking industry, among which CITIC Platinum Credit Card ranked first in the country, initially establishing its position and brand image in the credit card market in China. It is quick and convenient to operate.
5. Bank of Communications
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Bank of Communications credit card products are named "Pacific", such as: Pacific Dual Currency Credit Card, Pacific Y-power Credit Card, Bank of Communications Pacific Wal-Mart Credit Card, Bank of Communications Pacific Suning Appliance Credit Card, Bank of Communications Hong Kong New World Department Store Credit Card and Pacific Business Card. It is quick and convenient to operate.
Which bank credit card is easy to handle?
Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.
Supplementary information:
Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.
Extended data:
1. The application conditions of China Merchants Bank credit card are:
1. Applicant 18 to 60 years old, with China nationality.
2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.
3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.
4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.
The applicant should have good personal credit.
As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.
6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).
Two. Basic conditions for credit card of China Everbright Bank:
1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.
2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.
The introduction of what bank credit cards are easy to handle and what bank credit cards are easy to handle ends here. I wonder if you have found the information you need?