What is the best credit card to apply for?

Which bank is easier to apply for a credit card?

There are many types of credit cards in banks, and the standards are different. The following credit cards are relatively easy to apply for.

1, CGB credit card

Guangfa Credit Card has many activities, large amount, convenient application and many loyal fans. The easiest credit card to apply for is of course Guangfa True Love Credit Card. This card is the first female-only credit card in China, and the triple points of self-selected merchants have made countless female consumers crazy. More importantly, it is simple and quick to handle this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.

2. China Merchants Bank Credit Card

The best card of China Merchants Bank is China Merchants Youth Card, which is one of the most popular and favorite cards for young people. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts. If the maximum withdrawal amount of 100% credit line is not enough, then the first withdrawal every natural month is free ~ ~

3. Ping An Bank Credit Card

Ping An Bank's credit cards are very grounded, such as the owner's card for car owners, the standard card for supermarket shopping, the platinum card discount at the airport, and direct access to the cinema. Card promotion covers food, fitness, entertainment, shopping and so on. TOP2, the most sought-after and easiest credit card to handle.

4. CITIC Bank Credit Card

CITIC Bank's credit card network application is quite efficient, and the bank will accept it within 24 hours! Auditing information is very simple, just copy an ID card, and there are many preferential activities, such as refueling points, full cash back, free food, giving away movie tickets and so on. The fastest day to issue a card, the maximum amount is 65,438+10,000, and the two most worthwhile cards of CITIC Bank Credit Card are none other than them.

5. China Everbright Bank Credit Card

The installment fee of Everbright Credit Card has always been the lowest in China, and the approval success rate is high. Getting the card as soon as possible is good for the reputation of card friends. Ten yuan welfare life to create the most affordable activities of eating, drinking and having fun. Ten dollars to watch movies, enjoy food, wash beautiful clothes and cars?

6. Industrial Bank Credit Card

Industrial Bank has few outlets, but many activities and benefits. For card friends who love to travel, mango co-branded credit card is essential. It is the oldest and most sought-after card in domestic credit card tourism products. In addition, the application success rate is often much higher than other credit cards. Of course, if you can show the customer service staff the proof that you intend to travel abroad during the application process, the application for mango card will be at ease!

Which bank has the best credit card application?

China Merchants Bank is good, and the application is very convenient. You don't have to queue up at the counter, you can operate the mobile phone, and you can easily apply for success without going through too much trouble. China Merchants Bank's credit card usually offers a lot of discounts, and it seems that there are discounts in popular business districts, as well as 50% off food activities on Wednesday, which is particularly practical! The application threshold suitable for it is extremely low. White-collar workers who have just graduated can apply, and college students who have reached 18 can also apply for formal internship contracts. If the amount required is relatively high, it is recommended to be China Merchants Bank. Easy to use, basically once every three months. It is difficult to apply for credit cards of the four major banks, and it is easy to be rejected. The threshold of these state-owned banks is relatively high. Then there are some other commercial banks, even if the quota is approved, it will not be too high.

Getting a card is basically a gradual process. Graduated from basic Puka Gold Card to Little Platinum. First, it is unrealistic to want a high-end platinum card, unless you are a state-owned enterprise with very good qualifications. The world can infer your after-tax salary by paying the social security provident fund base, or your friends can save hundreds of thousands of monthly income. If you are famous for Industrial and Commercial Bank of China and Bank of China, I dare to apply for a card for you. The amount of the card is linked to the time of your deposit. Or if you have assets in your name, the more expensive the car, the better. Passbooks depend on the policies of local banks. The above conditions are all bonus conditions for pushing high-end top cards, and some bosses who have nothing have pushed them. Don't think too much. Get off the card first, then get off.

Moreover, China Merchants Bank credit card has the highest withdrawal limit of 100%. In case of urgent need for money, this money can also be used for emergency. In addition, it depends on your own situation. For example, if you have a mortgage in ICBC, ICBC is more suitable for you to apply. For example, CCB has a car loan, and the same is true. If not, if you have a job, you can only apply for commercial banks such as Bank of Communications and Shanghai Pudong Development Bank. In fact, it mainly depends on your own credit, and any bank can do it.

Which bank has the best credit card?

Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.

Supplementary information:

Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.

Extended data:

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

1. Applicant 18 to 60 years old, with China nationality.

2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.

3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.

4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.

The applicant should have good personal credit.

As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.

6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).

Two. Basic conditions for credit card of China Everbright Bank:

1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.

2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.

Which bank has the best credit card application?

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. So do netizens know which bank has the best credit card application? Interested netizens, let's take a look.

1, Industrial and Commercial Bank of China. The first line of the universe is not called for nothing. It is easy to apply for a high credit card, and the application conditions generally only need to meet the basic age, work and income conditions. At present, there are quite a few ICBC cards, such as the Forbidden City co-branded cards, which will be released to a certain extent during the main promotion period. If you want a higher quota, you need to have a copy of your own property or car production certificate, ICBC's "financial account" card and so on. These materials not only help to approve cards, but also make your credit limit higher. According to experience, the average amount of ICBC cards is around 40,000.

2. Bank of Communications. Although the risk control of Bank of Communications is a bit strict, it has always enjoyed a good reputation among the public. It is the first choice card for many people, and it is more suitable for young people with education to bid. Therefore, the card issuance rate of Bank of Communications is very good. Speaking of the first card here, it is necessary to mention the Bank of Communications Y-POWER credit card. This card not only has a high credit limit, but also has a withdrawal limit of 65,438+000%, as well as various preferential activities. It is also easier to apply, which is very valuable.

3. China merchants bank China Merchants Bank's credit card is as popular as Bank of Communications, because its initial amount is good and it is relatively easy to withdraw the amount. Therefore, the approval rate of China Merchants Bank is also quite high, and it is easy to do cards. Bank of Communications has a Y-force credit card, and China Merchants Bank has a similar YOUNG card. Not only is the amount rich, but as a youth card, the application threshold is not high. Generally, newly graduated office workers or 65,438+08 college students can apply. There is no quota for the campus version of the young card, and parents' consent is needed to obtain the quota.

4. China Everbright Bank. Everbright Bank has a low threshold for handling credit cards, and it is easier to approve them. The average card amount is around 33,000. Everbright Bank's credit review policy is rigorous and flexible, and the amount given is not conservative at all. In terms of cash withdrawal, as long as your credit is good, you can use their cards normally, and the speed and extent of cash withdrawal are ok. Everbright has issued a new Tik Tok Platinum Card this year, which covers many rights and interests, and the amount is satisfactory, with a maximum of 80,000.

5. Industrial Bank. Compared with other banks, Industrial Bank is much weaker. In order to have a higher market share, as long as 18 years old or above, there is no bad credit record, it is ok. Industrial Bank's bank card and PICC elite card have always been praised, so if you want to apply for Industrial Bank's card, let's start with these two cards. In addition, the average card amount of Industrial Bank is around 24,000.

6. Huaxia Bank. There are not many famous credit cards in Huaxia, and the Lufthansa co-branded card counts as one. The average amount of Huaxia Bank Card is around 24,000, which will be slightly lower than that of Industrial Bank. The requirements for running Huaxia Bank's credit card are not harsh, and can generally be met: age requirement 18-60 years old; Have a stable job and income source; Identity information: copy of resident ID card or military officer's card.

7. China CITIC Bank. The credit review policy of CITIC Bank is relatively loose, and the amount granted is generally higher than that of other banks. There are many types of credit cards in CITIC Bank, and the application threshold is not high. This credit card, like CITIC JD.COM Xiaobai Card, not only has a high quota, but also enjoys the gold card rights of CITIC Credit Card and the rights of JD.COM White Card. The application conditions are not difficult. As long as you have a stable job, you can apply.

8. Agricultural Bank. Finally, talk about the old peasants. To tell the truth, it is the old farmers of state-owned banks who are not easy to apply. Although the credit card limit is high, the general credit card limit is around 35,000, and there is no upper limit. All China citizens, foreigners and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have a fixed residence in the place where the card-issuing bank is located, have a stable income and have full capacity for civil conduct can apply for a credit card from the Agricultural Bank with their valid documents, but whether they can apply for a card smoothly depends on your ability. So don't blame me for putting it last.

Other banks that are not on the list do not mean that the quota is outrageous, and there will be differences, but this is only the average data. As long as the card is used properly, the ultimate limit is still in your own hands.

What bank's credit card is easier to handle and has a high quota?

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

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

1. China Merchants Bank Credit Card

The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.

Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.

2. Bank of Communications Credit Card

It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.

The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.

4. CITIC Bank Credit Card

It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.

Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.

Verb (abbreviation of verb) Guangfa Bank Credit Card

Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.

6. China Everbright Bank Credit Card

It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.

In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.

Which bank's credit card is easier to apply for?

Banks applying for credit cards include Bank of Communications, China Merchants Bank, Industrial and Commercial Bank of China, China Everbright Bank and Ping An Bank.

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 your ID card and proof of work (that is, work permit, badge, or income certificate stamped with the official seal of the unit, or even the original business card and copy of the pass of the institution).

The overdraft limit is not very high, of course, the information provided is more comprehensive, and the proof limit of owning real estate and automobile production will be much higher. The interest-free period of Bank of Communications is 56 days. Except for the perpetual power card, you can apply for installment repayment for a single consumption of 1 0,500 or more. There is no free SMS reminder function for transactions, and the monthly SMS reminder service for transactions in 3 yuan.

Withdrawal: the handling fee is 1%, and the minimum amount for each withdrawal is 10 yuan, which means that you will be charged 10 yuan for withdrawal 100, and charged 10 yuan for withdrawal.

Points: one yuan and one point, easy to accumulate, no points for cash withdrawal.

2. China Merchants Bank Credit Card:

The threshold for card approval is not high, and it is the first brand of domestic credit cards. The card circulation is second only to ICBC, and the overdraft limit is relatively higher than Bank of Communications, lower than Minsheng Bank and China Everbright Bank. Of course, this mainly depends on property and income, and the longest interest-free period for consumption is 50 days.

Withdrawal: handling fee 1%, the minimum for each transaction 10 yuan. The online shopping mall is better, and the installment repayment is convenient. According to the current credit card ownership, I have always been particularly satisfied with the customer service of China Merchants Bank's credit card, and the credit card reputation is also good.

3. China Industrial and Commercial Bank Credit Card:

As the largest bank in the universe, ICBC is the most powerful bank, but it is not that high. On the contrary, credit cards have the largest circulation.

ICBC's credit card is not very strict with credit information. Many users with bad credit records have issued many cards, and even black households have issued some cards.

ICBC pays more attention to users' contribution, star rating and asset strength. Therefore, before applying for an ICBC credit card, you can apply for a savings card first, and then upgrade the payment star (up to seven stars). Then, you can deposit some money or buy precious metals and wealth management if possible, and then apply for a credit card. It is best to provide proof of real estate and car license. This operation is almost 100%, and the amount is not low.

4. Everbright Bank Credit Card:

The threshold for card approval is very low, and the overdraft limit is very high, which is basically higher than any other bank. The longest interest-free period for consumption is 50 days, with automatic installment function. After the automatic staging function is turned on, every time you swipe your card, no matter how much you swipe it, it is automatically divided into 12 stages, which is more user-friendly.

Cash withdrawal: handling fee 1%, the lowest for each transaction is 3 yuan, and the lowest for all other banks.

Free SMS reminder: every transaction will be automatically sent to your mobile phone without charge.

5. Ping An Bank Credit Card:

Ping An Bank, which started as an insurance company, can never get rid of the characteristics of a salesman. Even selling credit cards can be the same as selling insurance. There are many kinds of business activities, but there are also many promotional activities and various spam messages. If you have a car, you can enjoy all kinds of value-added services, and the amount is also very fast. There are discounts for girls to apply for cards, and some cards can only be applied for ID cards.

Credit card application skills:

I. Personal details

Strictly speaking, which bank to apply for first depends on everyone's conditions. For example, do you have a real job, social security, punch-in pay, card withdrawal records in the past three months, frequent use of savings cards, a house, a car or other assets ... No matter what these are, you can choose different ways.

Second, ignore the workers and peasants to build these four first.

Theoretically, these four banks have relatively high requirements for assets, so to be on the safe side, if there is no big intersection with these four banks, it is better to give priority to exclusion.

Third, start with commercial banks.

What is often said is: communication, recruitment, China, CITIC, Pudong, Guangzhou, Pingping, people, prosperity and Guangzhou. But now these local banks are also good, such as Shanghai Bank. These banks are our focus.

From the data point of view, the above applications are easy for CITIC, Guangfa, Everbright and Pudong. Of course, transportation and investment promotion are also good.

Fourth, determine the types of banks and cards.

First of all, from the perspective of application, banks with better card issuance are generally banks that do more marketing, which means that you should search for credit cards on the web page, preferably with the highest application frequency.

Because EasySearch Credit Card will definitely invest more money in marketing, which means that only a larger number of cards and a better number of cards can cover this cost. At present, there are China Merchants Bank, Ping An Bank and Guangfa Bank. Interested partners may wish to try to apply.

5. Try to find a bank with more cooperation to handle the card.

Judging from the general thinking of banks, banks that are more likely to issue cards are banks with accounts in banks. Generally, when applying, it is recommended to choose the issuing bank of your own salary card to apply for a credit card, because this bank has a large personal flow.

The flow of personal banks is also a very important link in credit card approval. So friends in need can choose to try to apply.

6. Don't apply for too many credit cards at once.

Some users will apply for credit cards from several banks online because they are in a hurry to get a card. Doing so will not add points to the card application, but will adversely affect its application for a credit card, because the bank can see the card application in the applicant's credit information system.

So much for the introduction of the best credit card applications.