What credit card is good for a novice to apply for?

1. Bank of Communications Y-POWER Card

The target users of this card are young people under 30 years old, and the application threshold is low. , as long as you meet the bank's card issuance conditions, it is not difficult to successfully apply for a card, and it is more suitable for novices.

2. China Merchants Bank YOUNG Card

Same as Bank of Communications Y-POWER Card, only young customers under 30 years old can apply. The application threshold is low, as long as they can provide proof of employment and a bachelor's degree. The above academic qualifications are sufficient to meet the card application requirements.

3. CITIC Bank Baitiao Co-branded Card

Although it is a gold card, this card is easy to apply for and issuance is fast. It is a worthy choice for novices applying for credit cards, and it can be used in conjunction with JD.com Baitiao. Enjoy up to 80 days interest-free period.

Credit card application

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can issue cards to Apply for a credit card. Sometimes, legal persons can also be applicants.

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc.

And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a credit card use contract. The applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card issuer's privacy protection policy, etc., and must have an application. A person's autograph.

Review

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Card Issuance

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account for the cardholder at the card-issuing bank for settlement after shopping, consumption and cash withdrawal.

Which bank is the best to apply for a credit card for the first time?

If you are a novice and have no experience in applying for a credit card, you don’t know which bank to apply for. In fact, if you are applying for a card for the first time, you can consider applying for a credit card from Minsheng Bank. The credit card application threshold of this bank is low and the benefits are not bad. It is still possible to choose a credit card from Minsheng Bank as your first card. By the way, I will introduce three types to newbies. Minsheng Bank’s most popular credit card.

The reasons for applying for a credit card for the first time are as follows:

1. The application threshold is low, the review speed is fast, and the results can be obtained in 5 minutes at the fastest;

2. The credit limit is high, usually starting from 5,000 yuan. If the credit limit is not enough, you can actively apply for an increase;

3. The points are of high value and can be redeemed for Starbucks, Burger King, etc.;

4. Cash withdrawals The handling fee is the lowest. The bank can withdraw cash across 1 banks, starting from a minimum of 1 yuan;

5. There are many discounts, including discounts every day of the week and 7 days a week for people’s birthdays, and you can also eat delicious food at half price.

6. There are many application channels, you can apply at the counter, and online application is also supported.

Of course, the advantages of Minsheng Bank’s credit card are not limited to these five points, so I won’t introduce them one by one here. Of course, after choosing a bank, you must also choose a credit card. Minsheng Bank has a wide variety of credit cards. It is recommended that novice friends choose the appropriate card according to their actual needs.

If you apply for a Minsheng credit card for the first time, you can choose from these three types:

1. Minsheng in card

This is the Minsheng Bank Youth Card, and it is also the one with the largest number of applicants. Credit card, you can consider this credit card when applying for a card for the first time.

Minsheng Bank strongly introduces this credit card and has specially created a discount page for this card. The biggest highlight of this card is that there is no annual fee within the validity period of the card and no handling fee for cash withdrawals. , there are also a variety of installment options, and you can also enjoy points-based discounts on Alipay and Tenpay purchases by using this card.

The card also has an exclusive preferential benefit. Before August 31, 2017, for every natural weekly point transaction of 399 yuan or more, 1 point can be exchanged for a Starbucks large cup of coffee. The 399 yuan can be divided into If you make several purchases and meet the standards, you can participate in Minsheng Daily activities and enjoy different discounts 7 days a week.

2. Minsheng Women’s Flower Credit Card

This is a theme credit card designed and developed by Minsheng’s mid-to-high-end female customer base. It is also a dual-currency credit card. The cards include regular cards, gold cards, and platinum cards. There are three levels of cards. The card surface design uses rose as the main color, with peonies, roses and flower fairies as the main design styles, which is quite feminine.

When applying for a card for the first time, you can choose to apply for its regular card or gold card. It is not recommended to apply for the platinum card from the beginning. If there is no strong financial backing, novices can apply for the platinum card. Cards are easily rejected.

In terms of rights and interests, Minsheng Women uses the credit card to share a fashionable life with women across the country. When activated, she will receive a "new flower blooming gift" worth 1,000 yuan. When the card is full, she will receive facial mask gold and can be exchanged for free facial masks. You can also participate in the Tiantian People's Birthday event, which gives you exclusive double points every Thursday, etc., bringing the most sincere love and respect to female compatriots.

3. Minsheng Baitiao Co-branded Card

This is a co-branded card between Minsheng Bank and JD.com. Newbies who often make i-tiaos on JD.com can consider applying for one.

This card is a UnionPay gold card. Friends who want to apply for a gold card for the first time can apply. The limit is between 10,000 and 50,000 yuan. The benefits include annual fee exemption within the validity period and long-term payment. Interest-free repayment period of up to 51 days, no handling fee for cash withdrawals through our bank channels, 3 times points on birthdays, 3 times points on privilege days (27th of every month), points are automatically exchanged for Jingdong Steel_, up to 5 times points on privilege days, etc. .

You can also enjoy double gifts when you apply for a card now. When you sign up for the card, you will get 6 issues of interest-free coupons and JD.com free shipping coupons. If you spend 3 times a month for 99 yuan, you can get a free Starbucks coffee electronic coupon. You can participate in Minsheng Daily activities if you spend 3 times or more for 99 yuan based on points.

The Minsheng Baitiao Card is introduced here. Another reason is that it can be used to repay Jingdong Baitiao. When Baitiao is used with a credit card, you can enjoy an 80-day long interest-free period.

Summary:

There are many application channels for Minsheng Bank credit cards. It is recommended that you apply online. Now, if you apply online for Minsheng Credit Card, you will get a luxury brand opening gift. From now until July 31, 2017, if you apply for a Minsheng Bank credit card on Xinhu.com, if the card is approved successfully and you make any first payment, you can get items such as Thermos thermos mug, FolliFollie wrist bag, Swarovski crystal ball pen, and Samsonite backpack. Choose one of several card opening gifts.

The four major credit cards in the credit card industry: entry-level credit cards for beginners

There are actually many types of the four major credit cards in the credit card industry. They mainly depend on the needs of the applicant. If you want high-end There are high-end cards, and there are entry-level cards if you just want to apply for a novice card. Today I will introduce to you four entry-level novice cards, which are easy to apply for and are cost-effective.

1. China Merchants Bank Young Card

The first choice for entry-level card application. Young customers over 30 years old can apply for a card. As long as they can provide proof of employment, they can apply even if they are still in the internship period. The starting limit of the card is generally around 10,000 yuan, and you can withdraw cash of 100 yuan. The first cash withdrawal every month is free, and you can also enjoy discounts such as China Merchants Bank’s 10 yuan storm. It is very suitable for young people who have just entered the society.

The important thing is that the CMB credit card limit increase speed is relatively fast. If you pay the card regularly and pay it back on time, you can increase the limit in about 6 months. If you apply for installments, the limit increase speed is even faster, and you can even increase the limit quickly. We provide credit card loan products such as China Merchants Bank's e-recruitment loan. Although using it may lead to a dark room, it doesn't matter when you are in urgent need.

2. Bank of Communications Walmart Credit Card

The application threshold for this credit card is very low. As long as you meet the age requirements, have a stable job and income, and have good credit, you can apply. The reason why I introduce this Walmart credit card is mainly because it is a supermarket co-branded card, which can be said to be one of the must-have cards at home.

With this card, you can participate in the Bank of Communications' Supermarket Red Friday event. You can enjoy card rebates every Friday by swiping your card at Wal-Mart supermarkets, up to 5, and you can also enjoy double the credit card swiping at supermarkets. Points can be used to offset card payments, etc. Many people use this card just for these benefits.

3. Pudong Development Youth Credit Card

As you can tell by the name, Pudong Development Youth Credit Card is also a youth card. The application threshold is also very low. White-collar workers who have just graduated can apply. If their salary It is easier to get the card if it is issued by Shanghai Pudong Development Bank.

Why do you recommend applying for Pudong Development Youth Credit Card? The first cash withdrawal of this credit card is free, coupled with the unique one-card two-amount, 10% off rate, limit starting from 10,000 yuan, and double points, it is more in line with the consumption needs of modern young people (low rate, high limit) , multiple discounts).

4. ICBC World Struggle Credit Card

This credit card is the lowest threshold card of ICBC. Generally, you can get the card if you have good credit and a stable job, but there are regular cards and gold cards. There are three types of cards: Platinum Card and Platinum Card. It is best for newbies to start with Platinum Card. However, as a card from one of the four major state-owned banks, the limit is not as high as the first three.

Although the rights and benefits are relatively average, the installment rates of ICBC credit cards are low. Maintaining the card well on a daily basis will help improve the star rating of ICBC. In the future, such as raising the limit, or handling other ICBC businesses, relatively speaking It's easier to say.

What credit card is better for a novice?

The following are three types of credit cards that are more suitable for novices.

1. China Merchants Bank Young Card

Recommendation reason: China Merchants Bank Young Card is very suitable for novices. There is no handling fee for the first cash withdrawal every month. The cash withdrawal limit reaches 100, and it is doubled on the birthday month. integral. New users who apply for this card can also receive gifts (Samsonite backpack, Pentium electric shaver, choose 1 out of 3 with 1,000 points from China Merchants Bank Credit Card). In addition, the China Merchants Bank Credit Card Center also offers many discounts, such as 50% off food, Watching movies, singing, etc. are all very attractive! The characteristic of the youth card is that it is only for young people under the age of 30, and you do not need to have a high income to apply. After getting it, you can enjoy discounts on dining and shopping, and there is also a 50 discount on Wednesday, which is very suitable for young people to occasionally improve their lives. The starting limits for young cards may not be too high, but that’s okay. If you use it occasionally, the limit goes up slightly. The author's initial quota is 1.5W. I purchased a 1.5W installment. After the 12th installment is paid off, the limit rises to 4.3W. After that, I applied for another card, the initial limit was increased to 50,000, and I got several platinum cards.

2. Pudong Development Youth Card

Recommendation reason: Pudong Youth Card is free of annual fees for life. You can open red envelopes, receive bonus points, double points during holidays for every purchase, and every month The first cash withdrawal is free of charge.

3. CITIC i Platinum

Recommendation reason: This card is called the first platinum card for young people. It has fast approval speed and double points for online transactions. You can get 500 for purchasing air tickets. Airline accident insurance, delay insurance, etc.

4. Guangfa Bank DIY Credit Card

Recommendation reason: 3 times the points for the merchant type of your choice (your choice of merchants includes catering, entertainment, shopping and travel, etc.), and the points can be freely offset against fees or Exchange gifts (20 yuan for every 10,000 points). In addition, Guangfa Bank's popular credit card activity - Friday Guangfa Day has been launched again. On Fridays, you can enjoy buy one, get one free or half-price discounts on food, drink, entertainment and Tesco.

5. CITIC Bank Taobao Co-branded Credit Card (V Version)

Recommendation reason: New customers can enjoy a 30-yuan Alipay red envelope and up to 10 times the points. This card can be said to be a must-have credit card for those who shop for money. Online shopping is super cost-effective. Not only do you get points for online shopping, but your points are doubled based on your Taobao level! In addition, you can also enjoy discounts such as 9 points for redemption and 9 yuan for movies. .

Which credit card is better for newbies to apply for?

1. China CITIC Bank: For newbies to apply for a CITIC Bank credit card, it is best to apply online. This will be more efficient and submit online. After applying for information, you will usually receive a return call within 3 days. After passing the initial review, you will be asked to bring your valid ID card to the branch for an interview. After passing the review, the card will be sent. You can receive the card as soon as half a month. This bank's co-branded cards are relatively easy to get. If female friends can apply for the CITIC Magic Credit Card, it can provide female-specific insurance, online transactions and points. Because there are two levels: gold card and platinum card, if a novice does not have strong financial strength, it is best to apply for the gold card.

2. Bank of Communications: The credit card of Bank of Communications is also relatively easy to apply for. The threshold is low, but academic qualifications are more important, at least college degree or above. As long as the academic qualifications are passed, the job and income are stable, and can provide effective With ID card and work certificate, you can basically apply for the card if you are a white householder. If a novice is young, under 30 years old, it is more appropriate to apply for a bank Y-POWER card. The limit is generally around 10,000 yuan, plus a cash withdrawal limit of up to 100 yuan. The domestic cash withdrawal fee is 5 yuan per transaction, and the maximum limit is 5 yuan per transaction. The 56-day interest-free period can basically meet the consumption needs of young people who have just entered society.

3. China Merchants Bank: China Merchants Bank ranks first among commercial banks in terms of card issuance. This is inseparable from its low threshold. Generally, anyone with no problem with credit reporting and a stable job can apply for a card. And the amount is raised very quickly. When you make an appointment to apply for a card online, a salesperson will come directly to your door. After the card is approved, there is no need to go to the branch for an interview. You can use the card after you get it.

Which credit card is recommended for newcomers

When applying for a credit card, newcomers can consider the following credit cards:

1 CITIC Bank "Yan" Series Credit Card (Gold Card)

CITIC Bank's "Yan" series credit cards have low application thresholds, are convenient to apply for, and can be issued in as soon as one day; the annual fee is 200 yuan, and the first-year annual fee is waived by swiping the card or withdrawing cash once within 30 days of approval. If you swipe your card or withdraw cash a total of 5 times in one year, you will be exempted from the annual fee for the next year, and so on. Use 9 points to redeem free vouchers for Didi, Ele.me, Hema, Tmall, JD.com, etc., audio and video memberships such as iQiyi, NetEase Cloud Music, etc., and dining vouchers for Heytea, Pizza Hut, etc.; you can also get a discounted price of 9 yuan Buy movie tickets. In addition, for new CITIC credit card users, if they complete a purchase of any amount within 30 days of applying for the card, and complete 6 purchases of more than 99 yuan within 60 days, they can receive Xiaomi backpacks, 20 yuan McDonald's vouchers, etc.

2 Bank of Communications Y-POWER Credit Card (regular card)

Bank of Communications Y-POWER Credit Card (regular card) is aimed at students and young people, and the threshold for card purchase is low; it is free for the first year The annual fee is 80 yuan, and the annual fee for the next year is waived after 6 transactions; domestic RMB cash withdrawal fees are as low as 5 yuan per transaction; you can repay in installments after spending 500 yuan; the longest interest-free repayment period is 56 days.

If a new household completes any one purchase before the end of the next month after applying for the card, and completes 3 single purchases of 168 yuan or more within 45 days from the date of verification, they can use 5 points to exchange for Midea electric oven, Midea rice cooker, and Joyoung multi-function electric hot pot

3 China Merchants Bank Young Card

The application threshold for China Merchants Bank Young Card is low. The main customer group is young users under the age of 30. It is more suitable for young people to apply, and China Merchants Bank Young Card The cash withdrawal limit can reach 100, and the first cash withdrawal per month can be exempted from handling fees. In addition, you can enjoy double points for spending on the birthday of the China Merchants Bank young cardholder. Installments are not restricted by specific products or merchants. You can repay in installments after the bill is issued, and you can also enjoy a longer interest-free period. You have more freedom to choose the installment amount and number of installments.

As a novice, when applying for a credit card, you still have to choose a credit card that suits you based on your actual situation. During the use of the credit card, you must use the credit card limit in accordance with regulations and repay in full and on time to avoid overdue payments. .

That’s it for the introduction of a good credit card for newbies.