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.
Which credit card is the best?
Which bank has the best credit card and the highest amount:
1, China Merchants Bank:
Speaking of low threshold and high quota, China Merchants Bank can't miss it. As long as there is no bad credit, even college students who have just graduated from school and worked soon may issue more than 10000 credit cards. However, you must choose the card in advance. This is the youth card of China Merchants Bank.
In addition, the risk control of China Merchants Bank is relatively loose. As long as there is no malicious overdraft, cashing and other illegal card use behavior, you can withdraw the amount after swiping the card for 3~6 months. If you pay in the middle, the withdrawal speed will be accelerated.
2. Industrial Bank:
Among many joint-stock commercial banks, Industrial Bank has a low threshold and a high quota, especially on Alipay and WeChat. With the help of comprehensive evaluation of big data and banking system, the card can be approved on the same day, and the amount is usually 10000. If you want to apply for a credit card of Industrial Bank, you can look at the Industrial Taobao Card and so on.
In addition, the risk control of Industrial Bank is relatively loose, especially the amount is relatively easy to be raised. Gold card credit card, 1 year, it is basically not a problem to raise the card amount to 50,000.
3. Guangfa Bank:
Guangfa Bank credit card is also known for its low threshold and high quota in the industry. Many white households can get at least 1000 credit cards when they apply for cards online.
However, the risk control of Guangfa Bank is also tightening recently. After getting the credit card, it is best not to use it illegally, otherwise it may be downgraded by the title.
4. ICBC credit card is more suitable for people who have business dealings with ICBC. If they have assets in ICBC, it is easy to apply for a card and the amount is high. The average card amount is about 40 thousand.
5. Agricultural Bank credit card. If you have a good credit report 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. The general credit card limit is 35,000.
6. The credit card threshold of China Everbright Bank is low, but the amount is not low. The general card amount is around 30 thousand, so it is relatively easy to withdraw cash.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
What kind of credit card is easier to apply for?
Now the consumption of credit cards has accounted for a large part of our consumption life. Many young people have the habit of spending in advance. Having a credit card is not only convenient and fast, but also enjoys preferential discounts. Therefore, more and more people apply for credit cards, but the nature of credit cards belongs to the credit products launched by banks, so there is a threshold for application. So which credit cards are always easy to approve?
In order to meet people's needs, major banks have launched credit cards, and cards with new functions are launched every year. The application conditions of these credit cards seem to be similar, but the application threshold is slightly different. According to feedback from card friends, these credit cards are easier to approve.
1, China Merchants Bank Youth Card
China Merchants Bank Youth Card is a credit card launched by China Merchants Bank for young people under 30. As long as the age meets the requirements, even interns who have just entered the society can successfully apply, with a card amount of 1-50000 and a withdrawal amount of 100%.
If the applicant can provide a bachelor's degree or above, it will generally pass the examination and approval soon.
2. CITIC Bank standard credit card
CITIC Bank Standard Credit Card is a UnionPay standard credit card launched by CITIC Bank. Generally speaking, as long as the applicant 18 years old or above, has a stable job and income, and has no bad personal credit record, he can apply. According to the feedback from cardholders, the card replacement rate is very high.
3. Pufa Beauty Card
Beautiful woman card is a credit card launched by Shanghai Pudong Development Bank for women with priority shopping rights. This card is only for women to apply, and the global 1% consumption pen is cashed back. For women who like shopping, beauty card is a good choice, which can save a lot of shopping expenses.
4. Industrial Bank Mango Card
Industrial Bank Mango Card is a travel credit card product. Generally speaking, as long as the basic conditions for applying for a credit card are met and the bank staff are informed of their intention to travel abroad when applying for a credit card, the mango card can basically pass the examination and approval.
The application threshold of the above credit cards is relatively low. Whether the specific application for a credit card can be passed depends mainly on the applicant's personal qualifications. As long as the personal qualifications are good enough, no matter what credit card you apply for, the pass rate is relatively high. On the contrary, if you don't apply for a credit card, your personal qualification will be easily rejected.
Which credit cards are easy to handle?
Because it is a white household, or because the qualification certificate is not very good, it is difficult to get a card, which blocks many cardholders who want to have their own credit cards. In fact, many times the credit card application can't come down, not only because of poor credit information or poor qualifications, but also because the application posture is wrong or the application time is wrong. So how can I apply for a credit card in the right posture? Different banks have different credit card application standards and different conditions. Is it dazzling? In fact, if you look for a model, it is easy to find some credit cards that are easy to apply for and have the lowest threshold. Here are ten credit cards that are the easiest to handle.
First of all, the best card is the standard carp card of Bank of Communications. As long as you have a college degree, you can apply for a card, and almost all of them are approved in seconds, which is very fast. The initial amount of Bank of Communications is relatively low and the risk control is relatively strict. I accidentally joined the 2k party. Be careful when swiping your card.
Second, it is still a bank credit card. It's a Y-POWER card of Bank of Communications. The card issuing target is mainly young people (under 30 years old), which is suitable for young people with general qualifications to apply, and the pass rate is also high;
3. Young card of China Merchants Bank. It is also a special card for young people. White-collar workers who have just graduated can apply, and college students who have reached 18 can also apply for formal internship contracts. China Merchants Bank has won a large part of trust with its excellent service. It's really outrageous not to apply for a CMB credit card. China Merchants Bank not only provides good service, but also has such a low threshold for applying for the Young card. Without a social worker, the brother whose family collapsed just applied, and maybe he got a license.
What credit card is easier to handle? It is easier to pass the exam.
Different banks have different credit card application standards and conditions. Small and medium-sized banks are generally easier to handle credit cards, but the credit line is different. Users who do not apply for credit cards and loans are more likely to apply for credit cards, mainly including Ping An Bank, Minsheng Bank (women can apply for credit cards and men can apply for people's livelihood in their cards), Bank of Communications (Wal-Mart Puka), Guangfa Bank (Guangfa DIY Credit Card) and China CITIC Bank (Taobao Naughty Bag Co-branded Card).
1. China Merchants Bank Youth Card is a credit card launched by China Merchants Bank for young people under 30. As long as the age meets the requirements, even interns who have just entered the society can successfully apply. With a credit card limit of 1-50000, they can enjoy a withdrawal limit of 100%. If the applicant can provide a bachelor's degree or above, it will generally pass the examination and approval soon;
2. CITIC Bank standard credit card. CITIC Bank Standard Credit Card is a UnionPay standard credit card launched by CITIC Bank. Generally speaking, as long as the applicant 18 years old or above, has a stable job and income, and has no bad personal credit record, he can apply. According to the feedback from cardholders, the card replacement rate is very high;
3. Shanghai Pudong Development Bank Beauty Card is a kind of credit card for women to enjoy the priority of shopping. This card is only for women to apply, and the global 1% consumption cash back. For women who like shopping, beauty card is a good choice, which can save a lot of shopping expenses.
Under normal circumstances, the credit cards issued by the four major state-owned banks are relatively strict and difficult to pass, while those issued by other commercial banks are relatively easy to pass. In addition, credit cards issued by rural commercial banks and local banks are also easy to pass.
Article 196 of the Criminal Law of People's Republic of China (PRC)
If one of the following circumstances constitutes a credit card crime, and the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
So much for the introduction of easy-to-pass credit cards.