Which bank credit card is easy to get and has a high limit?

Many friends have asked which bank's credit card is easier to apply for. I'm afraid I have to answer you, you have to choose from a commercial bank. The four major state-owned banks will be relatively more difficult. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgrade Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, special discounts on air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to everyone. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

Which bank credit card is the best?

Credit cards from China Merchants Bank, China Everbright Bank, and Ping An Bank are relatively easy to apply for.

Supplementary information:

It is very simple to apply for credit cards from China Merchants Bank, China Everbright, and Ping An. All you need is your work badge, medical insurance card, and ID card. China Merchants Bank can also directly apply and fill in the information on the official credit card website, and the bank will send the credit card after verification. In terms of quotas, these three will also be higher than the four major state-owned banks.

Extended information:

1. The application conditions for China Merchants Bank credit card are:

1. The applicant is between 18 and 60 years old and has Chinese nationality.

2. Applicants must have a relatively stable job and income, with an average monthly income of no less than 3,000 yuan.

3. The applicant must provide the bank statement of the salary card and the list of personal social security accounts for the past 6 months. If you have a car or a house, you can also provide a real estate certificate and a car driving license.

4. Applicants must have a fixed place of residence and be able to provide proof of permanent residence, daily payment receipts, etc.

5. Applicants must have good personal credit.

As we all know, the requirements for applying for a credit card from China Merchants Bank are that you are over 18 years old, have a stable job and income, have a qualified personal credit report, etc.

6. Applicants for China Merchants Bank credit cards must have certain financial ability and no bad credit record. Applicants should be between 18 and 60 years old (overseas applicants are between 25 and 60 years old).

2. Basic conditions for Everbright Bank credit card:

1. Credit card applicants must be between 18 and 65 years old (inclusive), have full capacity for civil conduct, and be legally stable Income and personal credit report in the People's Bank of China are in line with China Everbright Bank's card issuance conditions.

2. A valid original ID card must be provided upon request (including but not limited to domestic resident ID card, foreigner’s passport, Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, etc.).

Which bank credit card is easier to apply for

Each bank has a wide variety of credit cards with different standards. The following are the credit cards that are easier to apply for

1. China Guangfa Bank Credit Card

Guangfa Credit Card has many activities, a large limit and is easy to apply for. Therefore, GF has many loyal fans. The easiest credit card to apply for is, of course, the GF Zhenqing Credit Card. This card is the first female-only credit card in China, and its 3x points at merchants of your choice have made countless female consumers crazy. What's more important is that applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.

2. China Merchants Bank Credit Card

The best card to apply for is the China Merchants Young Card. This card is one of the most popular cards among young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply. If the cash withdrawal limit of up to 100 credit limit is not enough, then the first cash withdrawal in each natural month is free of charge~~

3. Ping An Bank Credit Card

Ping An Bank Credit Card is ten It is down-to-earth, such as the car owner card for car owners, the standard card for supermarket shopping, the platinum card for airport discounts, and the green channel to go directly to the cinema. Card promotions cover food, fitness, entertainment, shopping, etc. The TOP2 most popular and best credit cards.

4. CITIC Bank Credit Card

CITIC Bank’s online application for credit cards is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours! The verification information is very simple, just make a photocopy of your ID card, and there are many discounts, such as points for refueling, cash back on purchases, free food, free movie tickets, etc. Cards can be issued as quickly as one day, with a maximum credit limit of 100,000. These are the two most worth-buying credit cards from China CITIC Bank.

5. Everbright Bank Credit Card

The installment fee of Everbright Credit Card has always been the lowest in China, with a high approval success rate and the fastest time to get the card. It is well-known among card friends. All pretty good. Ten Yuan Hui Life creates the most affordable food, drink and entertainment activities. Ten yuan to watch movies, enjoy delicious food, wash beautiful clothes, and wash beautiful cars?

6. Industrial Bank Credit Card

Industrial Bank has fewer outlets, but has many activities and benefits. For card lovers who love traveling, the Mango co-branded credit card is indispensable. It is the oldest and most popular card among domestic credit card travel products. In addition, the application success rate is often much higher than other credit cards. Of course, if you can also indicate your intention to travel overseas to the customer service staff during the card application process, then your Mango Card application will be guaranteed!

Which bank's credit card is easier to apply for and has a higher limit?

Relatively speaking, commercial banks are easier to apply for than credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.

According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.

1. China Merchants Bank Credit Card

The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.

Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.

2. Bank of Communications Credit Card

What is often recommended is the Bank of Communications Y-power card, which has a cash withdrawal limit of up to 100. There is no annual fee in the first year, and you can swipe the card 6 times for free. The annual fee is very impressive.

The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on gas.

4. CITIC Bank Credit Card

It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verification of information is very simple, as long as a copy of the ID card is provided. But as for raising the quota, it’s very difficult.

CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.

5. Guangfa Bank Credit Card

Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.

6. Everbright Bank Credit Card

It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.

In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will gradually increase.

Which credit card application is easier?

Which bank has the best credit card and the highest limit:

1. China Merchants Bank:

Say The threshold is low and the credit limit is high. China Merchants Bank is the most unmissable. As long as there is no bad credit, even college students who have just graduated from school and have not been working for a long time can be approved for a credit card worth more than 10,000 yuan. However, you need to choose a card in advance. Here we introduce the China Merchants Bank young card.

In addition, China Merchants Bank’s risk control is relatively loose. As long as there are no malicious overdrafts, cash outs and other illegal card use behaviors, you can increase the credit limit after swiping the card for 3 to 6 months. If you make contributions in installments in the meantime, the increase will be The speed is faster.

2. Industrial Bank:

Among the many joint-stock commercial banks, Industrial Bank has the lowest threshold and the highest credit limit. Especially when applying for cards on Alipay and WeChat, with the help of big data, Combined with the comprehensive evaluation of the banking system, the card can be approved on the same day, and the limit is usually starting from 10,000. If you want to apply for an Industrial Bank credit card, you can look at Industrial Taobao Card and so on.

In addition, Industrial Bank’s risk control is also relatively loose, especially it is easier to increase the limit. For gold-level credit cards, you can spend more with the card, and occasionally use the card in installments. The limit can be increased to 50,000 in one year after using the card. Not a problem.

3. Guangfa Bank:

Guangfa Bank credit card is also well-known in the industry for its low threshold and high credit limit. Many white households can apply for a credit card online and get a credit card with a limit of at least 10,000.

However, Guangfa Bank’s risk control has also been tightened recently. After getting a credit card, it is better not to use the card illegally, otherwise the card may be blocked and the credit limit reduced.

4. ICBC credit card is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then it is easy to apply for a card and the limit is high. The average card limit is about 40,000.

5. Agricultural Bank of China Credit Card. If you have good credit and stable financial resources, you can apply for an Agricultural Bank of China credit card. Of course, your repayment ability and consumption needs will have a great impact on your card limit. The average card limit 35,000.

6. Everbright Bank Credit Card has a low threshold for applying for a card, but the limit is not low. The average card limit is about 30,000, and it is relatively easy to increase the limit.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, and China CITIC Bank. If you need it, you can apply by yourself!

Which bank credit card is easier to apply for?

Banks that are easy to apply for credit cards include Everbright Bank, Ping An Bank, Shanghai Pudong Development Bank, CITIC Bank, Bank of Communications, etc.

1. China Everbright Bank

China Everbright Bank Credit Card Center was founded in July 2003 and officially established at the end of 2003. It is directly under the head office of China Everbright Bank and is a state-controlled, international financial organization. Within the framework of participating in a national joint-stock commercial bank, it serves as a credit card center for consumers. There are many ways to join a class, which is very convenient.

2. Ping An Bank

Ping An Bank Credit Card is the first credit card launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to having credit card consumption, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel". Easy to handle.

3. Shanghai Pudong Development Bank

The Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Any natural person who is over 18 years old, has full capacity for civil conduct, has legal and stable sources of income and solvency, and has good credit standing. You can apply with your valid ID and other documents required by the credit card center.

4. China CITIC Bank

On December 8, 2003, China CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million. It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market. Processing is quick and easy.

5. Bank of Communications

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Bank of Communications' credit card products are named "Pacific", such as: Pacific Dual Currency Credit Card, Pacific Y-power Credit Card, Bank of Communications Pacific Walmart Credit Card, Bank of Communications Pacific Suning Credit Card, Bank of Communications Hong Kong New World Department Store Credit Card and Pacific Business Card, etc. . Processing is quick and easy.

That’s it for the introduction of which credit card is easier to apply for.