Credit card application is a university question. Some people must apply, while others "fail to apply repeatedly". What is the reason? There are thousands of credit cards. It is important to choose a card that suits you. So what kind of credit card is the best? Friends who don't want to refuse cards can try these cards.
It is not absolute which credit card is the best. Each applicant's application conditions are different, and the cards suitable for application will be different. But in general, the threshold of Puka is the lowest, which is relatively easy to handle, and it is easy for banks to push cards in the current season. If the application conditions are not very good, you can choose the card from these two aspects. Next, I would like to introduce some of the best credit cards to you, hoping to help card friends.
It is best to apply for the Young card of China Merchants Bank.
A credit card suitable for young people under the age of 30, as long as you meet their age conditions, even if you have just entered the society, your job is unstable and your salary is not high, you can successfully apply. As long as a copy of the applicant's bachelor degree or above is submitted at the time of application, the user can get the credit card quickly.
It is best to apply for CITIC Bank Taobao card.
As a Taobao card, if you can bind the applicant's Taobao account, it can greatly improve the efficiency of CITIC Bank in reviewing the applicant's credit information, and the relevant data of your Taobao account can better prove your spending power. If you want a higher credit line, you need to submit additional financial proof, such as bank deposit slip, real estate license, vehicle driving license, etc. In addition, the time limit for online application of CITIC Bank is also quite powerful, and it will generally be accepted within 24 hours.
It is best to handle the magic card of CITIC Bank.
For a credit card product issued by a married woman, the card not only provides female health insurance and "parent-child sharing" insurance, but also allows the cardholder to enjoy three times the points returned on their own and their children's birthdays. In addition, in the credit card industry, women are the most valued group, and the amount of credit cards issued by women is often the most important performance indicator of banks. Therefore, it is easy for married women with good credit to apply for CITIC Magic Card.
It is best to apply for Guangfa True Love Card.
As a special card for women, it can be said that it is almost unimpeded for female cardholders to apply for Guangfa True Love Card. As long as the cardholder can provide stable income proof and personal information, then this card will not shut you out.
It is best to apply for Industrial Bank Mango Card.
Summary: What kind of credit card is the best? From the cards mentioned above, it is not difficult to draw a conclusion: as long as the theme cards of all banks meet the main direction of the cards, the application is easy to pass. Whether it is a student card, a female card, a travel card or a Taobao card, it is not difficult to successfully apply for a card as long as you find your own consumption advantage.
What bank's credit card is easy to handle?
Our credit card approval is as follows:
1. China Merchants Bank Youth Card is a credit card launched by China Merchants Bank for young people under 30. As long as the age meets the requirements, even interns who have just entered the society can successfully apply. With a credit card limit of 1-50000, they can enjoy a withdrawal limit of 100%. If the applicant can provide a bachelor's degree or above, it will generally pass the examination and approval soon;
2. CITIC Bank standard credit card. CITIC Bank Standard Credit Card is a UnionPay standard credit card launched by CITIC Bank. Generally speaking, as long as the applicant 18 years old or above, has a stable job and income, and has no bad personal credit record, he can apply. According to the feedback from cardholders, the card replacement rate is very high;
3. Shanghai Pudong Development Bank Beauty Card is a kind of credit card for women to enjoy the priority of shopping. This card is only for women to apply, and the global 1% consumption cash back. For women who like shopping, beauty card is a good choice, which can save a lot of shopping expenses.
Under normal circumstances, the credit cards issued by the four major state-owned banks are relatively strict and difficult to pass, while those issued by other commercial banks are relatively easy to pass. In addition, credit cards issued by rural commercial banks and local banks are also easy to pass.
Article 196th of the Criminal Law of People's Republic of China (PRC)
If one of the following circumstances constitutes a credit card crime, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(a) using a forged credit card, or using a credit card fraudulently obtained with a false identity certificate;
(2) Using an invalid credit card;
(3) Fraudulent use of another person's credit card;
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Which cards are the best for CITIC Bank?
Which credit cards should CITIC Bank handle? According to the feedback from netizens, it is concluded that these three credit cards are most easily approved by CITIC Bank: I Platinum Credit Card, White Bar Co-branded Card and VisaSignature Credit Card.
I platinum credit card
This card is a credit card promoted by CITIC, and it is an entry-level platinum card. The general amount is 1 1,000 yuan, and the results can only be obtained after online application for 1-5 days.
Many people applied for CITIC Credit Card before, but they were rejected many times in a row. Finally, they applied for I Platinum, which was passed, because the credit card promoted by the bank was the best. I Platinum offers are also relatively strong, such as online trading points, 1 1,000 yuan for air delay compensation, 9 points for exchange, watching movies in 9 yuan, etc.
White-striped joint card
The card was jointly launched by CITIC Bank and JD.COM Baitiao. As long as you have a good shopping record in JD.COM, you can apply directly, and the approval rate is high. The most affordable place is that you can get 1 piece of steel by trading points in 800 yuan in that month, and 1 piece of steel can be used as 1 yuan in JD.COM. Another attraction of this card before is that it can be used to directly repay the debt owed by JD.COM, which is equivalent to enjoying an interest-free period of up to 80 days.
VisaSignature Credit Card (All Currency Pass)
This credit card can only be used abroad or spent on overseas shopping websites. Unconditionally exempt from the annual fee, consumption abroad can enjoy the exemption of 1.5% currency exchange fee and the cash back of 6% up to 100 USD per month. It is very suitable for customers studying abroad and traveling.
If you are not a good cardholder, your application for credit card of China CITIC Bank has been rejected many times. It is recommended that you apply for one of the above three credit cards first, and then apply for other card types after approval. Of course, the credit card level is limited to gold cards, and the approval of standard platinum credit cards is still difficult.
The introduction of CITIC Bank's good credit card application ends here.