Which bank is better for applying for a credit card
Each bank’s credit card has its own characteristics:
1. Ping An Bank: First compare the thresholds for applying for a credit card The bank with the lowest score is Ping An Bank. The reason why Ping An Bank can approve many credit cards that other banks cannot is because Ping An's big data is relatively powerful. In addition, Ping An Bank's credit cards often have larger credit limits than other banks' credit cards, so it is better for other banks. If your bank application for a credit card has not been approved or if you want to get more credit lines, you can try to apply for a Ping An Bank credit card;
2. Bank of Communications: One feature of Bank of Communications’ credit card is that it offers great benefits The credit limit granted is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to apply for it;
3. China Merchants Bank: A major feature of China Merchants Bank’s credit cards is that there are many activities and the activities last for a long time. For example, half-price on Wednesdays, the annual Ten-Yuan Storm, irregular cash withdrawals and points bonuses, and other activities. You don’t need to brush points every day. You can just participate in activities and brush points when there are events.
In addition, the credit card application rate is relatively high now. Credit cards that are more suitable for novices include China Merchants Bank’s Young Card, CITIC’s i Platinum, GF’s DIY Card, Bank of Communications’ Wal-Mart Card, etc.
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Which bank is better for credit cards?
Which credit card application is easier to apply for?
Having a credit card of your own has always been a dream for many people. But applying for a credit card is not easy, especially if you apply for a credit card for the first time. If you choose the wrong bank, you can easily be rejected. So, which bank’s credit card is the best to get and apply for?
Today, the editor will help you take stock.
1. China CITIC Bank
CITIC Bank was relatively early in issuing credit cards, but it did not raise the application threshold because of its senior qualifications. When applying, as long as you submit the application information online, you will receive a credit reference call and text message reminder from the bank, asking you to take your ID card to the designated outlet for information review. If the review is approved, the card will be sent to you. The review of information is very simple. From application to card release, the fastest is one day and the slowest is half a month.
However, CITIC Bank is also known as an "iron rooster" and it is very difficult to raise the limit. Many people need to change their cards after using them for 5 years, but the credit limit is still the same as the one they were originally approved for.
2. Bank of Communications
Bank of Communications has a very low threshold for card approval. As long as you provide your ID card and work certificate, you can basically apply for the card. The requirements for proof of work are also simple. Any one such as a work permit, name badge, business card, proof of income stamped with the official seal of the unit, etc., or even a copy of the pass for government agencies and institutions is acceptable.
Having an academic degree will give you extra points. The first-time application amount for a basic college degree is more than 8,000, and the amount for a bachelor's degree can reach 15,000.
Bank of Communications also has many offline stalls, which can often be seen in front of large supermarkets such as Wal-Mart and Lianhua. If your personal qualifications are average, the approval rate will be higher if you apply with a salesperson than if you apply online yourself.
3. China Merchants Bank
The number of credit cards issued by China Merchants Bank is only second to that of Industrial and Commercial Bank of China, the largest bank in China. Its service reputation has always been very good. The threshold for applying for a card is not high, and it is different from Bank of Communications. In comparison, I have no problem with basic credit and have a stable job, and I can apply for the card, and the credit limit is increased very quickly.
The young card launched by China Merchants Bank is the first choice for many young people as "the first card in life". In addition to having a bachelor's degree or above and working, the 100 cash withdrawal limit is the biggest highlight.
It should be noted that some cities do not support online application for China Merchants Bank credit cards. When applying for a card for the first time, the salesperson will often "come to you", that is, go to your unit to ask for filling in relevant information. If you want to "package" your own, be careful.
4. China Everbright Bank
China Everbright Bank has a low threshold for card approval and a higher credit limit than other banks. For most ordinary cards, you can reach a credit limit of 10,000 just by purchasing a card. , there will be text message reminders regardless of the amount, and it is completely free.
The questions asked during the phone credit check after applying for a credit card are quite strange, and even several people in the household registration book will be asked.
5. Guangfa Bank
Local commercial bank credit cards are generally easier to apply for than established large banks. Guangfa Bank is a good example. As a rising star, the credit card business has been catching up with its predecessors, so the threshold is relatively low. As long as you can issue a work certificate and other conditions can basically be ignored, you can apply for the card.
Some people may want to ask: Why are there no four major banks of the Industrial and Peasant Construction Bank?
Because the credit card thresholds of the four major banks are relatively high. Correspondingly, the credit cards of the four major banks also have advantages that other commercial banks cannot match in terms of loan interest, installment fees, preferential activities, etc. Especially the ICBC credit card is recognized as the best credit card.
Therefore, you can first apply for a credit card that is easy to get through the bank, and then apply for a credit card from the four major banks after your qualifications reach a certain level.
The following are the credit card channels for Ping An, Minsheng, and CITIC Bank. If you need it, you can apply by yourself!
Ping An Bank Credit Card Application
CITIC Bank Credit Card Application
Minsheng Bank Credit Card Application
Which bank's credit card is easiest to apply for
There are many types of credit cards from various banks with different standards. The following are the credit cards that are easier to apply for
1. Guangfa Bank Credit Card
Guangfa Credit Card has many activities and large limits , it is easy to apply, so there are many loyal fans of GF. 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!
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Which bank has the best credit card? These four banks are worth applying for!
More than half of 2019, the competition among major banks has not stopped. As a user, the most important thing is to choose the most cost-effective and worthy credit card. Today we have taken stock of several banks worth applying for. Credit card, I hope everyone can choose freely according to their own needs.
1. Industrial and Commercial Bank of China
As a big player in the financial industry, whether it is investment and financial management or loans and credit cards, the gold content is very high, and the application threshold is also relatively high. ICBC is very popular in personal loans. Risk control is more conservative. Credit card limits are generally not high, but if you continue to swipe the card, the limit will be increased very quickly. In addition, ICBC has a large number of corporate accounts. I believe many people choose ICBC because their salary cards are also in ICBC, so repayment is more convenient. .
2. China Construction Bank
China Construction Bank was the first to develop co-branded credit cards in China, and its business level is also good. For example, the love credit card in cooperation with the Red Cross provides no annual fee for consumption and donations. In addition, the China Construction Bank Automobile Co-branded Card offers discounts on car washes and refueling, and its outlets are widely distributed. The entry-level Platinum Card is free of annual fees and is relatively simple.
3. China Merchants Bank
Nowadays, almost everyone has a China Merchants Bank credit card. China Merchants Bank’s services including telephone, APP, and WeChat are relatively good, and the overall style of the credit card is relatively youthful and suitable for overseas consumption. It is more convenient. There are many types of co-branded cards and they are updated quickly. The main discounts include 50% off movie viewing, half-price food on Wednesdays, redemption of series points, etc., which is suitable for office workers who have just graduated.
4. China CITIC Bank
The deposit limit is very high, and the limit is raised very quickly. It seems that the limit is free, and it can be easily increased from a few thousand yuan to more than ten thousand yuan. It also has many types of credit cards, such as CITIC Little White Card, CITIC Yan Card Series, etc. There are also many online shopping discounts, including the famous 9-point discount.
That’s it for the introduction of which bank is best for credit cards.