ICBC credit card, Agricultural Bank credit card and China Everbright Bank credit card are all easy to apply for high credit cards.
1, ICBC credit card
It 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 amount is high. The average card amount is about 40 thousand.
2. Agricultural Bank Credit Card
If you have good credit information and a stable source of income, you can apply for a credit card of Agricultural Bank of China. Of course, your repayment ability and consumer demand have a great influence on your credit card limit, with an average credit card limit of 35 thousand.
3. China Everbright Bank Credit Card
The threshold for getting a card is low, but the amount is not low. The average amount of the card is around 30 thousand, so it is easier to withdraw cash.
Extended data
Matters needing attention
1. Remember the billing date and repayment date when you arrive at the credit card;
2. If you can use it yourself, don't lend it to others;
3. Sign on the back of the credit card to protect the package security code;
4. More consumption can accumulate credit and increase the quota;
5. Participate in bank preferential activities, bonus hunter;
6. Make good use of the interest-free period of credit cards and repay them in time;
7. Credit cards have an annual fee, and grasp the standard of annual fee reduction;
8. Make a good record of using the card, and don't overdue or cash out.
Which bank's credit card is easier to handle?
Which is easier to apply for a credit card?
Owning a credit card has always been a small dream of many people. However, it is not easy to apply for a credit card, especially for the first time. Choosing the wrong bank is easy to be rejected. So, which bank is the best for handling and applying for a credit card?
Today, Bian Xiao will help you take stock.
1, China CITIC Bank
CITIC Bank issued credit cards earlier, but due to its old qualifications, it did not raise the application threshold. When applying, you only need to submit the application materials online, and then you will receive a credit phone call and SMS reminder from the bank, asking you to take your ID card to the designated outlets for data review, and the approved card will be sent out. Reviewing the materials is very simple. The fastest day from application to card issuance is half a month at the latest.
However, CITIC Bank is also known as an "iron cock", and it is very difficult to raise the amount. Many people need to change their cards after five years of use, or the original number of cards.
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 get off the card. The requirements for proof of work are also simple, such as work permit, badge, business card, income certificate stamped with the official seal of the unit, and even a copy of the pass of the institution.
You can get extra points if you have a degree. The first time you apply for a basic college degree is above 8000, and the undergraduate degree can reach 15000+.
There are also many offline booths of Bank of Communications, which can often be seen in front of large supermarkets such as Wal-Mart and Lianhua. If personal qualifications are average, it is better to find a salesman than to apply online.
3. China Merchants Bank
China Merchants Bank's credit card issuance volume is second only to China Industrial and Commercial Bank, the largest bank in China, and its service reputation has been very good. The threshold for handling cards is not high, which is comparable to that of Bank of Communications. There is no problem with basic credit information. If you have a stable job, you can apply for a card, and the amount is raised quickly.
The young card launched by China Merchants Bank is the first choice for many young people to be the "first card in life". Except for bachelor degree or above and work, 100% withdrawal amount is the biggest highlight.
It should be noted that some cities do not support online application of China Merchants Bank credit card. When you apply for a card for the first time, the salesman will often "go to your unit to ask about the relevant situation". Be careful if you want to "package" your own.
4. China Everbright Bank
Everbright Bank has a low threshold for card approval, and its card issuance is higher than that of other banks. Most ordinary cards can reach the amount of 10000 as long as they are issued. Every time you swipe your card, no matter how much it costs, there is a SMS reminder, and it is completely free. It's just that the questions asked by phone after the card is processed are quite strange, and even several people in the household registration book will ask them.
5. Guangfa Bank
Credit cards of local commercial banks are generally easier to apply than those of established big banks, and Guangfa Bank is a good example. As a rising star, 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 be ignored, you can get off the card.
Some people may ask: why didn't workers and peasants build the four major lines?
Because the credit card threshold of the four major banks is relatively high. Correspondingly, the credit cards of the four major banks also have incomparable advantages over other commercial banks in terms of loan interest, installment fees and preferential activities. In particular, ICBC's credit card is recognized as the best credit card.
Therefore, you can apply for credit cards that banks can easily pass first, and then apply for credit cards of the four major banks after your qualifications reach a certain level.
The following are the credit card drainage channels of Ping An, Minsheng and China CITIC Bank. You can apply for it yourself if necessary!
Ping An Bank Credit Card Application
CITIC Bank Credit Card Application
Minsheng bank credit card application
Which bank credit card is easy to handle?
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 is easier to apply for a credit card? These are all easy cards in the four major banks!
For card friends, of course, everyone wants to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose them? Which credit cards are easy to handle?
1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate by binding customers' Taobao accounts. CITIC Bank's card approval speed has always enjoyed a good reputation among card users. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now, CITIC Taobao Card is processed through the network, and the first quick payment is reduced to 30 yuan. Don't miss this offer!
2. Guangfa True Love Card, the first exclusive credit card for women in China, is designed with a transparent card version and advocates the concept of "independence, calmness, intelligence and frankness" in women's life. It has the service functions such as triple points plan and self-selected insurance plan, and enjoys many merchant discounts, giving women more personalized choices and more caring services. 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.
3. Guangfa Car Owner Card, specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy the national 100 km free road rescue service, 5 times credit card refueling points or 1% cash back discount, choose high insurance coverage and many other functions and benefits. The application of Guangfa Owner's Card naturally reduces a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for a credit card by providing their car's driving license!
4. New customers of China Merchants Bank QQ co-branded credit card can get a gift of American traveler's fashion shoulder bag over 388 yuan. New card customers only need to swipe their cards three times in two months, and each time they spend 188 yuan, they will get a 388-yuan American traveler fashion shoulder bag. The first cash withdrawal every month is free.
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, the first withdrawal fee will be added free of charge every natural month!
6. Ping An Bank's credit card is very grounded, such as the owner's card dedicated to the owner, 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. The most sought-after and easy-to-handle credit card.
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 cards 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.
So much for the introduction of which is easy to handle, bank card or credit card.