Although the basic conditions for major banks to apply for credit cards are similar, in fact, the threshold for banks to apply for credit cards will be slightly different. For example, the four major state-owned banks usually have strict audits. If the personal qualification of the first credit card user is not particularly good, it is suggested to avoid the four major banks and choose a small commercial bank to handle it.
1, Bank of Communications credit card. For white households, the first credit card suggests applying for a Bank of Communications credit card. Bank of Communications credit card applications are generally rejected once a second, and the card amount is generally 5000 to 1.5 million. For example, the Y-POWER card of Bank of Communications is a credit card issued for young people, which is more suitable for people with ordinary qualifications to apply. According to the introduction of users who have handled this card, the card issuing target is mainly young people (under 30 years old), which is suitable for people with general qualifications to apply. Bank of Communications has a high pass rate of Y power card.
2. China Merchants Bank Credit Card. China Merchants Bank is the fastest bank to withdraw cash from credit cards. China Merchants Bank's Young card is also a relatively easy credit card, which is an exclusive card for young people. White households who have just joined the work can apply as long as they are 18 years old and have a formal internship contract.
3. Shanghai Pudong Development Bank Credit Card. Shanghai Pudong Development Bank has a youth card, which, like the Y Power Card of Bank of Communications and the youth card of commercial banks, is a credit card for young people, making it easier to apply.
4. CITIC Bank Credit Card. The credit card application threshold of CITIC Bank is not high. For example, CITIC Taobao co-branded card is a credit card that many users who like Taobao shopping will choose. If you like online shopping, you can try to apply.
5. China Everbright Bank Credit Card. The standard credit card of China Everbright Bank is a low-threshold credit card, which is relatively easy to apply for.
Tips for novices to handle credit cards
1, it will be more convenient to choose a bank with more outlets to handle business; For example, China Merchants Bank and Bank of Communications have many outlets, and the threshold for handling credit cards is low, which is more suitable for users who handle credit cards for the first time.
2. Choose the credit card type that suits you. There are many types of credit cards in banks, and the one that suits you best is the best. Applicants should choose the type of card according to their own needs. Those who like online shopping can choose CITIC Taobao co-branded card, and those who like traveling can choose aviation co-branded card.
3. Choose the card level that suits you. Credit cards generally have three grades: ordinary cards, gold cards and platinum cards. The higher the card level, the higher the requirements for applicants. If your own conditions are average, it is recommended to apply for an ordinary card.
What kind of credit card should I apply for?
Bank of communications credit card. According to the way of credit card processing, Bank of Communications can get the card as soon as possible, and it will usually be received within one week after online application, so it is easy to apply, but the amount is small; Pufa credit card approval is also good, the amount is not large, but there are relatively many activities; Guangfa credit card is slightly stricter than the approval, but the amount is large, the card is not as fast as the bank, and there are many activities;
Everbright Bank approved it well, and the online application is generally 5000- 10000, with a relatively large amount and many activities; Huaxia credit card, the amount is relatively large, the approval is relatively loose, and there are fewer activities; The credit card of China CITIC Bank, the credit card quota of women is relatively large, the credit card quota of men is relatively small, and there are fewer activities. China Merchants Bank's credit card approval is slightly strict, the quota is ok, and there are many activities; The credit card audit of the four major state-owned banks is relatively strict, and the amount is relatively small.
1. According to the "20 13-20 17 China Credit Card Industry Deep Investigation and Investment Strategy Planning Analysis Report", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures, which shows that macro-prudence and strengthening capital supervision have become the core of banking supervision in China. The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.
It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to set up the Diners Club in new york, which is the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.
On the Four Grades of Credit Card
Credit cards may have different levels according to the level of rights they enjoy. So far, there are four forms of credit cards: Puka, Gold Card, Platinum Card and World Card, among which another term for Platinum Card is called Diamond Card.
The first credit card grade is CommonCard, which is the lowest grade credit card issued by bank card issuers and has the lowest credit limit. The average bank's credit line for Puka is up to 5,000 yuan, and there are still 3,000 yuan.
The second type of credit card is the gold card, which is stricter than the ordinary card and requires the applicant to provide proof of income and a good credit record; Gold card has a slightly higher credit limit than ordinary cards, and it is a credit card with a higher credit limit than ordinary cards. For individuals who have no credit history of ordinary cards, banks generally do not directly apply for gold cards. The credit limit of a gold card is generally between 654.38+00000-50000 RMB.
The third credit card level is PlatinumCard, also called Diamond Card. It is a credit card issued by the card issuer to distinguish it from the gold card customers, providing higher-end services and rights than the gold card. Generally, membership system is adopted, with highly respected customer service hotline service and value-added services. Platinum card is the highest level credit card issued by domestic banks. Banks are very strict in the examination and approval of platinum cards, and the application conditions are also very demanding. Only a small number of high-income or leaders can apply. With a platinum card, you can usually get high-quality services such as global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas), and 24-hour global exclusive VIP line telephone service. The credit limit of Platinum Credit Card is generally 10 to100000 RMB.
The top-end credit card is InfiniteCard or Infinite Card: the top-end credit card does not accept applications and can only be processed at the invitation of the issuing bank. Unlimited card is the top brand of Visa card organization, and only China Merchants Bank has issued this kind of card in China. The credit card of the same grade issued by MasterCard is called World Card, but there is no bank in China. We expect Bank of Communications, MasterCard's largest partner in China, to issue this grade card in the future.
Generally speaking, the domestic credit system is not perfect and the credit card market is chaotic. There is not much difference in the amount between a universal card and a gold card. Fifty thousand universal cards and several thousand gold cards. Coupled with the emergence of platinum cards with a limit of less than 10 thousand yuan, we may only distinguish them from the aspects of lost card protection, additional services, insurance amount and so on.
What was the first credit card in China?
The first credit card in China was BOC Card, which was a regional credit card issued by Zhuhai Credit Card Co., Ltd., a credit card management company established by Bank of China Zhuhai Branch. The issuing time was from March 65438 to March 0985.
At that time, China Bank Card was just a kind of embossed character card with brown stripes similar to magnetic stripes on the back, but it was not a magnetic stripe. Later, with the introduction of magnetic stripe technology, around 1987, the magnetic stripe on the back of BOC card began to write magnetic records and became a real magnetic stripe card.
Top ten conscience credit cards
1, China Merchants Bank young Card: China Merchants Bank young Card is a credit card specially designed for young people. The application threshold for this card is relatively low, and some young people who have just entered the society are more suitable to apply for the China Merchants Bank Youth Card. Usually, the initial amount that an applicant can apply for is more than 5000 yuan. Judging from the cardholder's feedback, the credit limit of this card is very fast.
2. Pufa ae Xiaobai: Pufa ae Xiaobai is the platinum credit card of Shanghai Pudong Development Bank. Users with PUFA ae white credit card can enjoy hotel discounts, airport pick-up service rights and so on. Compared with other platinum credit cards, PUFA ae Xiaobai has a lower application threshold. This card has a high credit limit and is more suitable for users with better economic conditions to raise cards.
3. Guangfa Shang Zhen Platinum Card: Guangfa Shang Zhen Platinum Card is a platinum credit card launched by Guangfa Bank. This card has more preferential rights in transportation and travel, and the application threshold is slightly lower than other platinum cards. This card is more suitable for people who travel frequently.
4. Ping An Bank Owner Card: Ping An Bank Owner Card is a credit card specially designed for car owners. Cardholders can enjoy gas concessions, free road rescue and other benefits. The owner is more suitable to keep this credit card.
5. ICBC World Struggle Credit Card: ICBC World Struggle Credit Card has three grades: ordinary card, gold card and platinum card. Applicants can apply for a suitable grade card according to their own card conditions and needs. The credit limit of the card ranges from 1-50000. This card not only has low application threshold, but also has rich rights and interests.
How to apply for a credit card? What documents do you need?
The application of ABC's credit card is systematically and comprehensively evaluated, and there are many reference factors, such as age, job stability, income, personal credit and so on, which are not determined by unilateral factors. The more comprehensive and authentic the application materials provided at the time of application, the more favorable it is for approval.
At present, the bank's credit card application covers many channels, including: outlet application, official website application, WeChat application, bank application and online banking application.
1. Fill in personal information directly for online application, and select the corresponding outlets for face-to-face card signing. Personal credit information provided during face-to-face card signing shall be subject to the outlets.
2. The application outlet shall provide valid identity certificate, income certificate and asset certificate (including: copy of real estate license/copy of vehicle driving license/copy of time deposit for more than one year or tax payment certificate). If the applicant is a foreign household registration, a residence permit is also required. Please refer to the requirements of local outlets for details.
Each branch needs different specific materials. For details, please consult the branch staff, and our staff will help you fill in and submit the credit card application materials.
So much for the brief introduction of credit cards.