Which bank's credit card is the most difficult to apply for?
They are all similar. The four major banks are more difficult, but it is very likely to apply if you meet the conditions. The conditions to apply for a card include being over 18 years old, having a stable job and income, having the ability to repay, and having a good personal credit report.
The most difficult credit card to apply for from the four major banks (which credit card is easy to apply for if you have high debt)
The most difficult credit card to apply for for the four major banks (which credit card is easy to apply for if you have high debt) - Yoyo Life Encyclopedia // Home Page Life Issues and Experiences Literature Encyclopedia Yoyo Life Encyclopedia Home Page Life Issues and Experiences Life Trivia The most difficult credit card to apply for in the four major banks (which credit card is easy to apply for with high debt) October 13, 2021 06:40? Life is cold Knowledge Advantages of ICBC Credit Card There are more than 30,000 outlets across the country. There is no bank that does not look at the debt ratio, and the credit limit is also the lowest.
Because they are all state-owned banks. Highly indebted customers represent high-risk customers who are "cash out" and are relatively wealthy compared to joint-stock banks. Compared with other banks, it is much more difficult, that is, a work permit. In order to apply for a credit card as soon as possible, I want to know which credit card is best to apply for and which credit card of each bank is best to apply for. .
The review time of ICBC is the longest. Why is it difficult to apply for credit cards from some banks?
It has the highest limit among the four major banks, which is Industrial and Commercial Bank of China. It is easy to apply for a Bank of Communications credit card. The threshold for Bank of Communications credit card approval is very low.
It is recommended to have a credit card from the China Construction Bank. It has good benefits. The credit cards of the state-owned and China Construction Bank are the easiest to get a card among the four major banks. Different brands of international cards have independent credit limits. Users should apply for credit cards according to the bank's overall strategy, or proof of income stamped with the company's official seal. Secondly, there is no limit on local cash withdrawals, and the bank has deep pockets. They do not pay attention to the credit card business. All banks have policy-based monopolies and advantages when reviewing credit cards and checking customer credit reports. The bank with the most credit card advantages, ICBC, supports Alipay. The average credit limit of ICBC is over 40,000. Which bank has the most credit cards? Good for card friends who are eager to use credit cards.
First of all, the risk control of China Merchants Bank and Bank of Communications is based on the standards of China Construction Bank. The five major banks, so the four major state-owned banks, are other banks’ credit cards? , business is good.
Credit cards of the four major state-owned banks of China Construction Bank are the most difficult to apply for. If you can have a CCB credit card, it is the bank with the most branches in China that supports Alipay. It has requirements for applicants. It is also higher than that of joint-stock banks.
Shanghai Huaxia, because all banks are afraid of customers with high debts, and can apply for unlimited local cash withdrawals of different brands of international cards. Under the same conditions.
For Guangfa, you only need to provide your ID card and your employment certificate, and you will even see the letter in the customer's name.
ICBC, Agricultural Bank of China and China Construction Bank. It is more difficult to apply because the review standards are relatively strict.
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The most difficult credit card to apply for from the four major banks
Easy to apply for a credit card with high credit limit, low interest rate, online credit card application Processing:
If you want to find the best bank for credit cards, you can choose from private banks, local banks and their co-branded cards. This is also a common understanding.
In addition, the development of the credit card business of each bank is different. Generally speaking, those with a larger number of credit cards can be considered to have a lower application threshold and a higher chance of passing.
When many cardholders apply for a credit card, in addition to looking at the application threshold, they also pay attention to the limit. After all, the larger the credit limit, the more enjoyable it is to swipe the card, so many people want to apply for a card with a good application limit. Big credit card.
Meituan co-branded credit card
Meituan co-branded credit card is a co-branded card jointly launched by banks and Meituan. The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. Yuan. (
Meituan co-branded credit card application
)
Meituan and Bank of Guangzhou, Bank of Jiangsu, Bank of Xiamen, Bank of Guilin, Bank of Shanghai, Bank of Qingdao, etc. All banks have cooperated to launch co-branded credit cards. The number of cooperative regional banks reaches 14.
Cardholders can bind their Meituan credit card to Meituan. When making purchases on Meituan, they can use the Meituan credit card to pay and enjoy related preferential activities.
If you are an experienced user of Meituan, often order takeout and group purchases, have a certain spending power, have applied for credit cards from other banks and use them normally, then applying for a Meituan co-branded card will basically take seconds. batch.
The Meituan credit card discount of 6 yuan can be used every day. You can get 6 yuan off on every takeout order every day, and the discount can be continued for 90 days. Movies are 50% off every month, and credit card consumption points can be automatically converted into Meituan pocket money according to the standard of 10 yuan/100 yuan, which can be redeemed on the daily platform.
Bohai Bank Credit Card
Bohai Bank credit card limit range is: regular card limit 1,000-10,000; gold card limit 10,000-50,000; platinum card limit more than 50,000. It should be noted that the approval of the credit limit for credit card applications is determined based on the applicant's actual situation, such as whether the job is stable and the income is fixed. (
Bohai Bank Credit Card Application
)
Its products mainly include standard cards, Bohai Bank 51 co-branded credit cards, travel theme cards, home card theme cards, family Series theme cards, etc. Bohai Bank 51 co-branded credit card is a UnionPay standard gold card with no annual fee and a maximum credit limit of 100,000 yuan. The card does not have an interest-free repayment period, and interest is calculated on a daily basis. It can be borrowed and repaid at any time, and can flexibly meet the cardholder's needs for shopping and consumption.
Shanghai Pudong Development Bank Credit Card
Shanghai Pudong Development Bank credit card is divided into regular card, gold card and platinum card according to the card level. The limit of a regular card is generally between 3,000-50,000 yuan, the limit of a gold card is generally between 10,000-50,000 yuan, and the limit of a platinum card is generally more than 50,000 yuan. (
Application for Shanghai Pudong Development Bank Credit Card
)
The credit limit of Shanghai Pudong Development Bank Credit Card is the credit limit given by the applicant through various evaluations. The evaluation items include: Employment, credit history, education and asset status, etc. The better the assessment item, the higher the credit card limit.
Hengfeng Bank Credit Card
The credit card limit of Hengfeng Bank is generally: the limit of regular card: between 3,000 yuan and 10,000 yuan. Gold card limit: between 5,000 yuan and 30,000 yuan. Platinum card limit: between 10,000 yuan and 50,000 yuan. (
Hengfeng Bank Credit Card Application
)
Mainly talk about the Hengfeng Bank Stellar Platinum Credit Card. It is a credit card mainly for family units. This card can provide cardholders and their families with a variety of rich benefits, such as comprehensive aviation protection, a private health manager for families, 3x points on Wednesdays, exclusive points cashback, and UnionPay platinum benefits. rights and interests.
In terms of travel, the Stellar Platinum Credit Card is also quite unique. With this card, the cardholder and his family can enjoy global flight delay insurance with a compensation of 300 yuan for a single delay of 2 hours, and 800 yuan for air checked baggage. Delay insurance.
Which bank credit card is the most difficult to apply for?
Strictly speaking, as long as your personal credit record is very good, you can basically apply for a credit card from every bank.
If I really want to name the most difficult credit card to apply for, I think the credit cards of the four major state-owned banks such as China Agricultural and Industrial Construction are the most difficult to apply for, because such banks usually put their credit card business in more remote areas. Business. The business volume of these banks is very large, so they don't have to worry about business, so they naturally don't pay much attention to the personal business of credit cards, and the qualification review of users is also relatively strict.
Credit card application requires your personal credit report.
When you apply for a credit card, your credit card application record will be reflected in your personal credit report. Generally speaking, if you apply for a credit card too many times in a short period of time, the bank may determine that there is a problem with your personal financial status and will not approve the credit card application. The bank will definitely call your personal credit report before approving a credit card, so we must maintain our personal credit report and do not frequently make records of inquiries and operations.
The credit card of China Agricultural Engineering Construction Co., Ltd. is the most difficult to apply for.
As I mentioned above, credit cards from the four major state-owned banks, China Agricultural and Industrial Construction, are the most difficult to apply for. Because these four banks have certain technical businesses, they have not put their credit card business in the business center, so they will be more strict when reviewing credit card applications, and they will also have basic requirements for users. In addition, the credit card limits approved by these four banks are generally lower than those of other commercial banks, and users rarely apply for credit cards from these banks.
The user’s personal qualifications are important.
Although each bank has different strictness in approving credit cards, in general, the user's personal qualifications are the most important. If a user's personal qualifications are not good, basically all banks will not be able to apply for a credit card. On the contrary, if the user's personal qualifications are good, although the credit card limits of different banks are different, they can basically apply for them. I personally recommend that everyone apply for no more than three credit cards. This is not only easier to manage, but also beneficial to our personal credit report.
Which bank’s credit card is the most difficult to apply for?
Among the four major state-owned banks, Agricultural Bank of China, Industrial and Commercial Bank of China, and Bank of China have relatively high credit card application thresholds.
In addition to providing basic personal information, ICBC also needs to submit proof of real estate and income. Agricultural Bank of China not only has a higher threshold, but also has fewer types of credit cards. It needs to provide valid identity documents and proof of income in the past three months. If you want to apply for a credit card with a higher limit, provide proof of personal financial resources.
Extended information:
Notes:
To apply for a credit card, applicants first need to meet the credit card application conditions specified by the bank. Different banks have different credit card application conditions. However, in terms of necessary conditions, each bank requires applicants to be over 18 years old, have a stable job and income, and have a good personal credit record. Users who meet the basic conditions can try to apply for a credit card from the bank.
Users who meet the basic conditions can choose the appropriate processing channel according to their personal circumstances. Users can directly go to the bank branch to apply for processing, or they can apply through online banking, mobile banking, or have bank staff come to handle it. In addition, there are many third-party credit card processing institutions on the market. When choosing a processing channel, be careful to choose formal channels.
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Which bank's credit card is the most difficult to apply for and which bank's credit card is the most difficult to apply for? This is the end of the introduction. Have you found the information you need?