Which bank is the best to apply for a credit card

China Merchants Bank and Bank of Communications are easier to apply for, and the card issuance speed is fast.

China Merchants Bank: It is fast to apply for a card, and generally requires an academic certificate (college degree or above). Salary card or salary certificate. Or use a credit card from another bank to apply for a China Merchants Bank credit card. If there is no limit requirement. Recommend this. My first credit card was from this bank. I used my work card and business card to apply.

2. Bank of Communications, I handled it through online banking. From filling it out online to getting the card, it took a total of five days, which was the fastest.

How to register an account on Fangli.com

Fanli.com is a very good platform. Do you know how to register on Fangli.com? The following is the specific operation of Fangli.com registration, let’s do it together Take a look.

01

Open the rebate network and click Free Registration in the column above.

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You can log in using a partner website account or apply by yourself (as shown in the picture).

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I take the Taobao account as an example, enter the Taobao account and password, and click "Login".

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You can change your username (optional) and click "Authorize".

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Now you log in directly and you can experience the rebate network immediately.

Which rebate APP is best to use? Can I apply for credit card installment when shopping there?

Applying for credit card installment for shopping actually has nothing to do with the rebate APP. It is just a jump link, which is the same as when you shop on the platform. For example, some larger amounts are available in installments. I have been using Manmantao rebate APP. The commission is quite high. Cash can be withdrawn upon confirmation of receipt.

What does it mean when Fangli.com prompts the bank to reserve a mobile phone number when applying for a credit card?

The mobile phone number reserved by the bank means that when you apply for a bank card, the application form requires you to fill in a contact number. Mobile phone number means reserved mobile phone number;

What materials are needed to apply for a credit card?

At present, there are many credit card issuing institutions in various banks. For different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic basic conditions are the same:

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1. Aged between 18 and 65 years old;

2. Have a stable career and income;

3. Have good credit and repay on time The ability to pay interest;

4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed).

If you have not met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions:

1. Have full civil Natural persons with capacity or limited capacity for civil conduct

2. Over 13 years old

3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book when applying. It is worth noting that some cards are not available to everyone and have some special requirements for cardholders.

For example: CITIC Bank Magic Credit Card can only be applied for by women. B. Relevant credit certificates that applicants need to provide:

1. Fully prepare various asset certificates.

Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to submit the credit card you already have when applying. Make a copy of your credit card and send it along with the application form (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the central bank's personal credit system. Good consumer credit and repayment credit are what banks value most).

If you are applying for a credit card for the first time, because you do not have any consumer credit record, the bank mainly relies on your various income and asset status to decide whether to approve the card and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc.

Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates.

2. Fill in the application form carefully.

Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of being approved for a credit card, and the higher the limit):

Whether you have a fixed telephone number in this city (having a fixed telephone number in this city means that your place of residence is stable, which will increase the bank's credit evaluation score);

Whether you are married (married is better than The score is higher if you are unmarried);

Whether you have a household registration in this city (the score is higher if you have a household registration in this city than if you are registered in other places);

Whether you have a house (the score is higher if you have a house than if you don’t have a house) , living by yourself has a higher score than living with parents);

Education level (the higher the education level, the higher the score);

The nature of the work unit (the more stable the work unit, the more famous it is) , the higher the score. For example, government agencies, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores); 7. Position status (the higher the position, the higher the score. . For example, civil servants and company managers score higher than ordinary employees).

Which bank is the best for applying for a credit card?

Various credit cards launched by different banks are aimed at different customers. You have to choose the best credit card based on your own conditions. If other conditions are equal, you can choose the credit card with the most favorable offer.

As for credit cards, the most cost-effective way to use them is to redeem airline miles. The best credit card, if you spend 100,000 yuan on the card a year, you can redeem it for a round-trip air ticket to Dubai, or a one-way ticket to Sydney or Hawaii for vacation. But not all credit cards can redeem airline miles. Generally, only platinum cards and airline co-branded credit cards can redeem points into airline miles.

It is better not to be too sophisticated when applying for a card. Just apply for a co-branded card of the airline you fly most often. For example, if you are in Shanghai, look for the co-branded cards of China Eastern Airlines and Spring and Autumn; in Beijing, look for Air China; in Guangzhou, look for China Southern Airlines and Shenzhen Airlines; Hainan Airlines’ route distribution is relatively scattered, so it depends on your personal needs.

Netizen evaluation:

1. China Merchants Bank, this is the first time I came into contact with credit cards. When I was in college, my classmates asked me to fill out a form in order to complete a task. I didn’t understand it at all, so I just sent it over. I canceled it. Then I was rejected when I applied for a China Merchants Bank credit card last year. It is probably due to this reason.

2. Everbright. I applied after graduating from college. I paid 1 yuan for a car wash and 10 yuan to watch a movie. I went to apply for it. Until now, I use this card for online purchases. This card has saved me a lot of money, thank you Everbright. Although the 1 yuan car wash is gone now. And the salary was very low when I applied for the card, so I asked me to use my academic certificate I did it and directly sent him a 10,000 yuan credit. In fact, Everbright doesn’t feel like it has any special features. There are not many activities now. I have to buy tickets on-site for 10 yuan to watch a movie, and I am too lazy to queue up. But because I have feelings, I have been Use.

3. ICBC, I didn’t apply because my cousin’s ICBC credit card only has a limit of 2,000.

4. CCB, before the last flight, 2 CCB employees were at the airport I was asked to fill out a form to apply for a credit card, so I filled it out. A China Eastern Airlines co-branded card was actually sent to me, with a limit of 40,000, which was a large limit for me. Unfortunately, there were too many credit cards and I didn’t open one. Later I applied. A football card from China Construction Bank was purely because I am a fan, but unfortunately it was not approved. Maybe because I already have a card?

5. Agricultural Bank of China has many activities here, but they are all unethical. It is marked that it is only for the first dozen people. Every time you go, there will basically be no quota. I also applied for the Agricultural Bank of China online, but was told that I need to apply at the counter and that it is not accepted online.

6, Bank of China. In order to wash my car for free, I went to a classmate from Bank of China to apply. I asked if I had a deposit from Bank of China, and I said there was no limit. Then I asked about the approximate limit, 10,000, right? The classmate answered me, "Ah, one What if? Ten thousand is a lot, okay?" You look down on us. Then there is no more.

7. Bank of Communications, I applied online, for his most popular Friday, and then on the same day In the evening, he sent me a text message to tell me that I had passed, and a week later I received a gold card worth 28,000 yuan. This amount is very large for me, because I work in my own factory and my income tax is very low

8. Pudong Development Bank. The reason why I applied for Pudong Development Bank is purely because it looks good. I sent a 10,000 yuan limit, but I didn’t open an account, so I left it there.

9. CITIC. When I saw the rebate online, CITIC The Fangli.com credit card is very attractive. It gives me 1% rebate on offline purchases. I have a limit of 20,000, but the repayment date is very short, 5 days after the bill date. But for people like me who don’t like to delay repayment. Said there was no impact.

10. Postal Savings Bank of China. We have quite a lot of activities at the Postal Savings Bank. I tried to find a classmate from the Postal Savings Bank to apply for one. She told me, "You are not a government agency, bank or hospital." It was estimated that it would be difficult to pass.

How can I withdraw the rebate money from Fanli.com? You can also withdraw money using the platform. The withdrawal method is as follows

1. Open the Fangli.com APP and click the "My" option in the lower right corner of the page, as shown in the picture.

2. Go to my home page and click "Available Cashback" on the page, as shown in the picture.

3. You can see that the money available for rebate can be used to recharge mobile phones or repay credit cards. It has many uses. Click "Cash Withdrawal" here to withdraw cash, as shown in the picture.

4. Enter the withdrawal page. There are two withdrawal methods, one is Alipay withdrawal, and the other is binding bank card withdrawal. Here, select Alipay withdrawal, as shown in the picture, enter the Alipay account in sequence. Name, the amount you want to withdraw, and click "Get SMS Verification Code".

5. Enter the verification code received, click the "Apply for Withdrawal" button below, and wait for the withdrawal to arrive in your account. It usually takes 1-3 working days to check on Alipay.

This is the end of the introduction to the credit card application and online shopping cashback credit card of Fangli.com. I wonder if you found the information you need?