Which bank credit card is easy to handle?

Which banks' credit cards are easy to handle?

1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.

2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.

3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.

4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.

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'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.

Which bank has a good credit card and a high quota?

Many friends ask, which bank is easier to apply for a credit card? I'm afraid I have to answer you. If you want to choose from commercial banks, the four major state-owned banks will be more difficult. But if you insist on loving the four major state-owned banks, I suggest you choose a credit card that is easier to apply for, so the probability of getting a card will be greater. What exactly are there? Let's have a look.

1, China Industrial and Commercial Bank: Cosmos Constellation Credit Card.

Industrial and commercial bank of China's cosmic constellation card is relatively easy to handle, and it is also the main credit card for industry and commerce. Yan value and rights are very online. The point is that the annual fee is free within the validity period, which is awesome!

In terms of rights and interests, as long as new customers spend a sum of money, they can receive a one-month VIP membership of Youku or iQiyi, and pursue the welfare of the drama owner. In addition, there are overseas portable wifi, hotels, airport parking and other benefits.

2. Bank of China: Taobao Credit Card

In fact, the threshold of China Bank is not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an online shopper, this China Bank Taobao card is easy to apply for. The annual fee for the first year is exempted when you get off the card, and the annual fee for the next year is exempted when you spend any amount for 5 times.

3. Agricultural Bank: Upgrade mom's credit card beautifully.

This beautiful upgraded mother credit card of Agricultural Bank of China is also a good application. Both gold and platinum cards can be exempted from the annual fee by swiping the card number, and visa platinum card can also be exempted from the annual fee within the validity period.

You can apply for a free Disney English audition course, buy a course discount of 1200, and get a 60% discount for shopping in king of the children over 350, and a 300% discount for Mama Donkey at random on Saturday.

4. China Construction Bank: Global Hot Purchase Card

This card of CCB is also relatively easy to handle, mainly suitable for overseas travel and shopping. Gold and platinum card swipe numbers are exempt from annual fees, while Visa and MasterCard are exempt from annual fees within the validity period.

Overseas wifi, special airfare hotels, Haitao cashback, etc. It is very suitable for shopping in consumption abroad or Haitao, and is known as the "God Card" of CCB.

The credit cards that are easy to apply for in the four major banks are introduced here for everyone, hoping to help everyone. I suggest that you prepare enough information before you apply for a card, and then have proof of assets, which can help a lot!

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 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!

This is the end of the introduction about which bank is easy to apply for a credit card and which bank is the easiest to issue a credit card. I wonder if you have found the information you need?