Each bank has its own preferences and review standards. If you want to successfully apply for a credit card from each bank, you must understand each bank's import requirements. If you want to apply, you must understand the credit card entry requirements of 14 banks!
The four major state-owned banks
Let’s start with the four major state-owned banks, namely ICBC, Agricultural Bank of China, China Construction Bank, and China Construction Bank. These four banks are generally not suitable for beginners. Because they are the four most realistic banks, they pay more attention to applicants' academic qualifications, income, and personal assets, and their review is also very strict.
The four major state-owned banks cannot apply for a card through a salesperson, and they do not hire salesmen. Generally, applications are submitted directly through the counter.
Therefore, if you have not had any business dealings with the four major banks (such as deposits, transactions, financial products, mortgages, car loans, etc.), it is not recommended that you apply for a credit card from the four major banks.
Bank of Communications
Since Bank of Communications became the fifth largest bank after the four major state-owned banks, its system is now very complete, and Bank of Communications is the most worthy of entry for beginners. As a bank, I believe that many people’s first credit card starts with transportation.
As long as you have a college degree or above, and your academic qualifications can be checked directly through Xuexin Online, it is very easy to apply for a Bank of Communications credit card. However, the Bank of Communications has now upgraded its system and now has a new pre-examination system. As long as you fill in your name and ID number, the system can immediately assess whether you are qualified to apply for a card.
As long as you can pass the preliminary review, there is a 90% chance that you will be approved for the card. As long as there are no mistakes when filling in the application information and answering the bank's return call, there will basically be no problem.
China Merchants Bank
China Merchants Bank Credit Card is another bank worthy of beginners after Bank of Communications. Why do you say this?
Because China Merchants Bank will refer to the Bank of Communications’ review system when approving cards, as long as you can approve Bank of Communications’ credit card, then basically China Merchants Bank’s credit card will also be approved. The premise is that your transportation credit card must be used normally 2 more than months.
At the same time, China Merchants Bank is also the only bank among the 14 banks that does not support online card application or card application, and its risk control is the strictest.
Therefore, if you want to successfully apply for a China Merchants Bank credit card, you must have a real office space, otherwise you should not apply for it. Not only is it a waste of time, your credit report will also be checked once for no reason.
In addition, China Merchants Bank does not recognize credit cards and real estate from other banks. Even if you have a credit card or real estate certificate that has been used by another bank for more than 6 months, it will not be of any help to you when applying for a CMB credit card.
China Merchants Bank pays more attention to whether you have paid wages on behalf of the bank, whether you have a car loan record, or whether you have a car in your name but it must be a new car. If you have these two businesses in China Merchants Bank, it will Your approval of the card is very helpful.
CITIC Bank
CITIC Bank now cooperates with Taobao, QQ and JD.com, such as CITIC Taobao V Card, JD.com Little White Card, CITIC QQ Co-branded Card. Apply for these three types of cards. At present, it seems that the approval rate is the highest, and it is the most worthy of buying for people who frequently shop online.
Of course, the premise is that you have a good reputation level and high activity on Taobao, QQ and JD.com, which will be more conducive to your card approval.
There is also a blue card from CITIC that is very easy to get approved. Generally, many people are approved for the CITIC blue card with a limit of 0, but it doesn’t matter, as long as you treat it as a savings card, save more money, and you will get more credit. Spend and the quota will gradually increase.
Shanghai Pudong Development Bank
Shanghai Pudong Development Bank is now trying to cooperate with Alibaba and Meituan-Dianping to apply for credit cards through big data credit. At the same time, Pudong Development Bank has begun a crazy race to seize the credit card market. .
If your naughty value in the mobile Taobao APP is greater than 600 points or the membership level of Meituan-Dianping is V4 or above, you can consider trying to apply for a Pudong Development Bank Credit Card on mobile Taobao or Meituan or Dianping APP. The pass rate for applying for cards through the two channels is now very high.
China Everbright Bank
China Everbright Bank can accept card applications from white accounts and credit cards, and the review and approval process is also very fast. Generally, the card limit is relatively high. high.
In addition, Everbright Bank now has in-depth cooperation with Pacific Insurance and Zhongan Insurance Company. If you have purchased insurance from these two insurance companies, it will also be very beneficial for you to apply for the card.
Hua Xia Bank
Hua Xia Bank is very popular, and it recognizes credit cards from other banks. If you have a credit card with a limit of 50,000 from the four major banks such as Agricultural Bank of China, Then you can apply for a Huaxia Credit Card with a limit of 50,000.
Or if you work in a state-owned enterprise or as a civil servant, if you have an Everbright card with a limit of 30,000 yuan, then Huaxia can also approve a card with a limit of 50,000 yuan for you. Of course, the premise is that you cannot have too many credit cards. , the debt cannot be too high.
Moreover, Hua Xia Bank will also refer to Zhima Credit Score. Now Hua Xia Bank has cooperated with Zhima Credit. As long as you apply for a Hua Xia Credit Card, Hua Xia Bank can directly check your Zhima Credit Score.
China Guangfa Bank
China Guangfa Bank pays more attention to social security and provident fund, and also has a special preference for household registration, that is, it prefers those with household registration in Guangdong Province. , because after all, China Guangfa Bank is a relatively local bank.