Credit card is a must.

Direct benefits of using a credit card:

1, easy to use: the credit card is very convenient to use, and you can use it to pay quickly with WeChat Alipay, thus avoiding the trouble of paying cash consumption and worrying about the danger of carrying too much cash with you.

2. Exclusive discount: Cardholders can hold credit cards and generally get additional services, such as giving away insurance and exclusive airport use rights. You can also participate in various preferential activities, such as ordering food at half price, watching movies for free, washing cars for free and so on.

3. Redemption of points: Credit cards can be swiped at cooperative merchants, so that consumption points can be accumulated. When the points meet the gift conditions, they are directly exchanged for goods. Even some banks can recharge their calling cards with points.

Is it easy to apply for a credit card?

In fact, as long as the materials you provide are rich enough, all bank credit cards are easy to handle. You have to provide the work certificate and income certificate issued by the regular company, your own identity certificate and all the financial certificates you can hand over. House, car and bank deposit are all ok, but according to the degree of materials you submit, your personal qualification determines the amount of cards you approve. According to my experience in handling cards, the four major state-owned banks are relatively strict, and the general quota is not very high. Smaller banks are relatively easy to get approval. Good luck!

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Hello, actually, it is very convenient to apply for a credit card, which is basically easy to handle. Fill in the application form, attach a copy of ID card and work permit, and other supporting materials, and then hand it over to the staff of the bank branch. If you already have a credit card that has been used for more than one year and there is no major credit problem, other banks' credit cards will be easier to handle. Just handle the card directly, and it seems that you don't need to show too many proof of income. If this is the first time to apply for a card, I suggest starting with a smaller bank. I used the same materials to apply before. China Merchants Bank only approved the quota of 1 0,000, and Bank of Communications approved 20,000. In short, I wish you success in handling the card!

Is it difficult to apply for a credit card for the first time?

It's still a bit difficult to apply for a credit card for the first time, if you don't have financial strength. It is recommended to apply for a credit card from a bank with a lower threshold and choose a suitable credit card according to your actual needs. Let's have a look.

Why is it difficult to get the first card?

People who apply for a credit card for the first time are collectively referred to as Xiaobai. Because these people have never handled credit card or loan business, and their credit records are blank, banks have no way of knowing their economic situation and repayment ability, so they will not easily issue cards, especially the credit card application threshold of the four major state-owned banks is higher.

Therefore, it is best for white households to apply for credit cards from commercial banks. Compared with the four major state-owned banks, commercial banks such as Bank of Communications, China Merchants Bank and Minsheng Bank are more likely to apply for credit cards and issue more cards.

Here are three credit cards for everyone.

1, China guangfa bank DIY credit card

It is easier to apply for a credit card of Guangfa Bank. Generally, there is a stable job and income, which meets the conditions for handling cards. You can apply online.

The reason why this kind of credit card is introduced is that it can enjoy 3 times the points of self-selected merchants, and users can accumulate 3 times the points when spending in restaurants, entertainment, shopping and tourism merchants.

In addition, Guangfa Bank's popular credit card activity, Guangfa Day on Friday, has been reopened, and you can buy one get one free or half price discount when you buy food and drink in ishare every Friday.

2. China Merchants Bank Yongka

This card is the easiest credit card for China Merchants Bank. Fresh graduates can apply as long as they have a stable job. The biggest advantage of this card is that the first withdrawal every month is free, and the withdrawal amount is as high as 100%. It is not difficult for the first cardholder to choose this card.

In addition, newcomers can also receive gifts (Samsonite backpack, Pentium electric razor, China Merchants Bank credit card 1000 points, 1) when they apply for this card. In addition, there are many preferential activities in China Merchants Bank Credit Card Center, such as 50% off food, watching movies, singing and so on, which are very attractive!

Finally, it is suggested that cardholders apply for a card for the first time and choose a bank according to the number of bank outlets. In the final analysis, the card is used to facilitate daily life, so it is best to choose a bank with more outlets in the region!

Is it easy to apply for a credit card?

If you meet the requirements, the application is quite easy. The conditions for applying for a credit card include 18 years of age or above, stable job and income, repayment ability and good personal credit report.

Is the credit card easy to handle?

At present, it is easier to handle. In order to promote the consumption and use of credit cards, major banks have introduced many preferential policies for handling cards, which have appropriately reduced the requirements for handling cards, simplified the process of handling cards as much as possible, and opened up various channels for handling cards. So it is relatively easy to apply for a credit card.

The requirements for handling a credit card are: (1) The age should not exceed the statutory retirement age. (2) Have a stable job and a stable income. (3) Have a good personal credit status. (4) Have a more active willingness to repay.

The credit card processing flow is: (1) application; -(2) fill in the information; -(3) submit for review; (4) business card printing and distribution; -(5) Card opening is activated.

Credit card application channels include bank counter application, mobile banking application, online banking application, WeChat official account application and cooperation platform application. Whether it is at the bank counter, online banking or using a mobile phone, you must apply for a credit card first. Before applying, you should prepare some applications and materials that will be used in the audit process.

After applying, select the types and types of credit cards that banks can apply for, then fill in personal information, personal financial status, card application and special requirements, and then submit the application to the background or bank credit card audit department. After submitting the application, the bank will contact the applicant for information review and confirmation. After the application is approved, a credit card will be made for the applicant and mailed to the credit card applicant.

You can't use the credit card directly after you get it. You must activate it to use it. Activation is mainly to enter the registration information in the banking system and set the credit card password. The method of credit card activation is generally written in the letter attached with the card. In addition, the letter will list in detail the benefits and benefits that can be enjoyed when using the card.

As long as the materials are complete and the credit information is not bad, it is quite easy to apply for a credit card.

So much about how difficult it is to apply for a credit card.