Banks that are easier to apply for credit cards include Bank of Communications, China Merchants Bank, Industrial and Commercial Bank of China, China Everbright Bank, Ping An Bank, etc.

The following is a detailed introduction:

1. Bank of Communications Credit Card:

The threshold for card approval is very low. You only need to provide ID card and work certificate (i.e. work permit) , a badge, or proof of income stamped with the official seal of the unit is also acceptable, or even the original business card and a copy of the pass of the public institution are acceptable)

The overdraft limit is not very high, of course the information provided is relatively Comprehensive, and the amount of proof of ownership of real estate, cars, etc. will be much higher. Bank of Communications's interest-free period for consumption is relatively long at 56 days. In addition to the YONG-POWER card, you can apply for installment repayment for a single purchase of more than 1,500. There is no free SMS reminder function for transactions, and there is a transaction reminder SMS service of 3 yuan per month.

Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan in cash, you will also be charged 10 yuan.

Points: one dollar per point, easy to accumulate, no points for cash withdrawal.

2. China Merchants Bank Credit Card:

The threshold for card approval is not high. It is the number one credit card brand in China. Its card issuance is second only to Industrial and Commercial Bank of China, and its overdraft limit is relatively higher than that of Bank of Communications. It is higher than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on property and income. The longest interest-free period for consumption is 50 days.

Cash withdrawal: The handling fee is 1%, with a minimum of 10 yuan per transaction. The online mall is quite good and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card. The credit card has a good reputation. good.