It's the first time to apply for a credit card. Many friends don't know how to choose a card. If the choice is not good, they will be easily rejected, or even if they are lucky enough to get a credit card, they will not be satisfied. In order to let everyone get off the card smoothly, I will introduce three credit cards with low threshold and gratifying quota, which have been widely recognized by the credit card industry. Friends who apply for a card for the first time can refer to it.
1, Minsheng Female Credit Card
Although this credit card has been online for several years, it is still one of the first choice cards for many women, and it is very favorable for female friends. Generally speaking, as long as the job is stable and the income is more than 3,000 yuan, it is no problem to get a gold card. The first card amount is generally not less than 6,543.8+0,000 yuan. The card is exquisite and beautiful, with rich rights and interests. Every Thursday is the cardholder's exclusive consumption day, and you can enjoy the exclusive "fragrance rights", and you will accumulate double points for consumption on that day.
2. Bank of Communications Y-POWER Card
Bank of Communications Y-POWER Card is known as the most suitable credit card for young people. Its application threshold is very low and it is Xiaobai's favorite. As long as the qualification is not too bad, the card batch is basically no problem. This credit card can be cashed in full, regardless of the amount, and the withdrawal fee is 5 yuan per transaction. Card holders can participate in various signboard activities of Bank of Communications, such as the hottest week, and so on.
3. China Merchants Bank Youth Card
Friends who know something about this credit card know that this credit card is very suitable for young people under the age of 30 and is the best choice for many people to get their first card. Generally, they have a college degree or above, and they can easily cope with a stable job. Generally, if the batch starts at 10000 yuan, it can be withdrawn at 100%, and the handling fee can be exempted every natural month.
Summary: All the above three credit cards can be applied online. Here, it is recommended to apply on Alipay, and the amount of authorized sesame cards is faster. Generally, the results will be available on the same day, but online applications may need to be signed at the counter to be activated. As long as you bring your ID card, it is still easy to answer the questions of the staff according to the information filled in when you apply for the card.
What bank's credit card is good? These three banks have low thresholds and high quotas.
Credit card application threshold and credit card approval quota have always been the focus of many card friends, but many banks can't have both, either low threshold and low quota or high threshold and low quota. Of course, there are no banks with low thresholds and high quotas. There are three banks here that are more suitable for Xiaobai's application.
What bank's credit card is good?
1, China Merchants Bank:
China Merchants Bank Credit Card has always been known for its low threshold and high credit limit. As long as there is a stable job and income and good credit, even college students who are still internship in the unit have the opportunity to get the card. The qualification of credit card limit is not too bad. 654.38+100000 is basically no problem. Credit cards can be withdrawn in six months, which is very fast.
High-quality cardholders also have the opportunity to discount the e-loan amount, with a preferential monthly interest rate of about 2 years, which is more conscientious than most banks' cash installment business. However, it should be noted that if you use e to get a loan, you will be locked in a dark room, and the credit card will basically not be able to withdraw the amount before it is paid off.
Introduction card, China Merchants young card, China Merchants Zhihu co-branded card and so on.
2. Industrial Bank:
The threshold of Industrial Bank is very low, and the risk control is not as strict as other banks. In the tide that major banks have closed their cards and reduced their quotas, few people say that the cards of Industrial Bank have been closed or reduced.
I often use Alipay's card friend, Sesame Score 650, and apply for Industrial Credit Card through Alipay Life Number. As long as there is no bad credit, the work income is relatively stable, and it is basically not difficult to approve cards. The second batch can be realized as soon as possible. The amount of card approval is generally above 10000, which is still enough for novice Xiaobai. After using the card for 6 months, the amount can be increased.
Introduction card, industrial bank Glug co-branded credit card, industrial bank Taobao card and industrial bank Sohu video co-branded credit card.
3. Ping An Bank:
For friends or car owners who have bought Ping An insurance, the credit card threshold of Ping An Bank is also quite low. As long as they have a stable job and income and good credit, it is easy to approve cards and the amount is higher than that of ordinary customers. 20,000 to 30,000 yuan can be applied at will.
Entry card, safe car owner card, can give the whole car accident insurance, 88% discount for refueling.
Which banks' credit cards are easy to handle?
1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.
2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.
3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.
4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.
So much for the introduction of low-threshold credit cards.