Which is easier to apply for a credit card? The amount is high and the interest is low.
1, Industrial and Commercial Bank of China: China Industrial and Commercial Bank is the first industrial and commercial bank in the universe, and it is easy to apply for a high credit card. Generally, the application conditions only need to meet the basic conditions such as age, work and income. However, if you have your own real estate or automobile production certificate, ICBC's "financial account" card and other copies will not only help to approve the card, but also make your credit limit higher. The average credit limit of the card is about 4 1.
2. Agricultural Bank: Agricultural Bank can apply for a credit card with a high amount. All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have a fixed residence at the issuing bank, and have a stable income and full capacity for civil conduct can apply for the credit card of ABC. The average credit limit of the card is about 35,000.
3. Everbright Bank: In the past two years, the development of commercial banks has advanced by leaps and bounds. Everbright Bank has a low threshold for handling credit cards, which makes it easier to approve cards. The average credit limit of the card is about 33,000. Everbright Bank's credit review policy is rigorous and flexible, and the amount given is not conservative at all. As for the credit card of China Everbright Bank, as long as you make a good record of consumption repayment, it is very easy to withdraw the amount, and the speed and extent of withdrawal are very good. Everbright Bank is a good choice for which bank can apply for a high credit card.
Where the direct account is the most reliable, and compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend, but paying attention to choosing a formal platform when applying for online loans can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.
1, microfinance
Micro-loan is a personal credit loan product under Weizhong Bank, which supports repayment with the loan, with the longest repayment period of 20 installments. After the user applies for a loan, he can repay it with the loan, and the amount can be recycled. It can be paid as soon as 15 minutes, which is very suitable for users who need money urgently. The minimum daily interest rate of microfinance is 0.02%, and the maximum loanable amount is 200,000 yuan.
3, the degree is small and full
Xiaoman, formerly known as Baidu Finance, is a financial service platform under Baidu. Split financing has been officially completed, independent of Baidu. The maximum amount users can apply for in the mini mall is 200,000 yuan, the longest period is 24, and the minimum annual interest rate is 7.2%. ↓↓↓↓↓ Click below to measure online! ↓↓↓
Data reference from: Du Xiaoman official website
Where can I get a loan?
Hello, ICBC.
1, Industrial and Commercial Bank of China
ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.
2. China Merchants Bank
Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.
3. China Construction Bank
CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.
4. Industrial Bank
The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.