1. It's best to apply for a credit card from China CITIC Bank, with an average amount.

CITIC Bank had better apply for a credit card. It can directly fill in the credit card application form online, and then there will be a phone call and SMS reminder from the bank, so that you can take your ID card to the designated bank outlets for data review. If you have real estate, the car can increase the credit card limit for you. The fastest day from application to card issuance is 20 days at the latest. Auditing information is simple, just make a copy of your ID card.

2. Bank of Communications credit card is easy to handle and has a high quota.

Bank of Communications can directly call the credit card business manager to apply for a credit card. The threshold is not high, just provide your ID card and take a photo with me. Fast card release, generally about 20 days, suitable for young consumers.

3. China Merchants Bank needs to apply for a credit card.

The youth card of China Merchants Bank is a card that everyone admires, because its cash withdrawal amount is the amount of the card, and all the money can be taken out. What China Merchants Bank needs is a card, so the quota will be high. If there is real estate and automobile production, there will be a higher volume.

4. Everbright Bank's credit card processing is fast and convenient, with high points.

Everbright Bank is very simple to handle, that is, you need to apply for another credit card, and then a message will be sent to you randomly to remind you whether the processing is successful and how much it costs. It is the fastest card, but it must have no bad record.

5. Industrial Bank Credit Card:

The Industrial Bank credit card is also a high credit card, but it requires urban hukou and women, and the requirements for male and rural hukou cards are very strict. If you want to apply for a Industrial Bank credit card, you can try it.

6. Shanghai Pudong Development Bank Credit Card:

The credit card of Shanghai Pudong Development Bank only needs the salary certificate of three months after your salary card. However, Shanghai Pudong Development Bank has no service outlets in many places, so it has little effect after credit card processing.

7. The four major state-owned banks have high requirements for credit cards and complicated procedures:

It is very difficult for the four major banks to apply for credit cards. There is basically no real estate, no salary certificate, and it is difficult to get a license.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People's Court promulgated and implemented the Provisions of the Supreme People's Court on Several Issues Concerning the Trial of Civil Disputes over Bank Cards.