Credit cards are easy to handle, such as Guangfa True Love Card, CITIC Bank JD.COM White Card, China Merchants Bank YOUNY Card, Bank of Communications Credit Card and Industrial Bank Credit Card, all of which are quite good. The speed at which other banks apply for credit cards also depends on the specific operation of the banks.
1, Guangfa Zhenqing Card
Guangfa True Love Card is the first credit card specially designed for women in China, with a large number of cards issued. General applicants can apply for this card as long as they have a stable income.
As the top card issued by Guangfa, True Love Card provides unique credit card consumption enjoyment for female users. Cardholders can choose one of the four consumption types of catering, entertainment, department stores and tourism according to their consumption habits, and enjoy triple credit card points discount.
As a member of the vast number of female compatriots, a friend recently got a card, and soon. My friend applied on WeChat. After submitting the information, the bank sent a text message to reply to the approval result within a few minutes, and received the card the next day.
2. CITIC Bank JD.COM White Card.
JD.COM White Card was jointly launched by CITIC Bank and JD.COM Mall. Within a few days of launch, the number of applications exceeded 65,438+10,000. I have to admit, this credit is really amazing. The target group of JD.COM White Card is young people, with low application threshold and fast card issuance. The first "Internet" credit card in China was grandly launched, so the white card that follows the trend of the times certainly attracts young users.
Of course, JD.COM White Card is not only easy to apply for and suitable for young people, but also has many other advantages. For example, compared with other credit cards that are easy to get off the card, JD.COM White Card has a higher credit limit; Shopping in JD.COM Mall can enjoy a 30-day interest-free payment period, and spending with a small white card can enjoy a 50-day interest-free repayment period. You can also enjoy various points and preferential activities.
3. China Merchants Bank YOUNY Card
For young people with unstable jobs, it is really not easy to get a credit card, but the youth card of China Merchants Bank lowers the threshold for young people to get a card. When submitting the application materials, the applicant can easily apply for a card by submitting a diploma with a bachelor's degree or above.
Moreover, China Merchants Bank YOUNG Card has the general rights and interests of China Merchants Bank Credit Card, such as points and preferential activities. The biggest feature of this card is that the withdrawal amount is as high as 100%, which is not available in other China Merchants Bank credit cards, and there is no handling fee for the first withdrawal amount every month. But this card is only for young people under 30 years old (including 30 years old), and friends over 30 years old can't do it.
4. Bank of Communications Credit Card
The credit card processing threshold of Bank of Communications is also not high. Applicants only need to provide their ID cards and photos of themselves, and they can basically get the certificates. It is also faster to get on the card and more suitable for young people. However, although the Bank of Communications has a fast card processing speed, the credit card quota is not very high.
5. Industrial Bank Credit Card
The card processing speed of Industrial Bank is particularly fast. As long as you provide another credit card, you will receive a short message reply immediately, whether the application is passed or not, and the amount, but the premise of successful card application is that there is no bad credit record.
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 is easier to handle credit cards?
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.
How to apply for a credit card
First, select the bank and credit card type.
1. Issuer: At present, most banks are eligible to issue credit cards. According to personal habits, you can choose banks such as construction, industry and commerce, transportation, investment promotion and CITIC.
2. Credit card types: Credit cards include cartoon cards, game cards, owner cards, food cards and other co-branded cards. Different types of cards have different rights and interests.
Second, apply for qualification
1. 18 years old, with a stable income, a fixed office address, and the company has a fixed telephone.
2. ID card, work certificate, social security, education certificate, etc.
3. My real-name authenticated mobile phone number and email address.
4. Proof of assets, such as automobile production, real estate and deposit certificate. (Special requirements for quotas).
Third, the application method
1, official bank credit card WeChat official account.
2. Bank credit card official website, such as XX bank credit card.
3, bank outlets, with the help of staff to fill in the application materials.
4, credit card outlets to promote personnel to deal with.
Fill in personal information truthfully when applying online. Home promotion needs to provide original personal information such as ID card and work certificate.
Fourth, after the information is submitted,
1. After the information is submitted, it will be reviewed by the staff of the credit card outlets, and will generally be verified by the company telephone and personal telephone; Some applications will have two spot checks and a return visit.
2. Review time: generally, the review will be completed within 10 working days. After approval, print the card and mail it to the company address.
3. Some banks have opened a quick audit, and the audit results can appear in a short time, but it still takes time to make cards and send them.
Verb (abbreviation for verb) accepts credit cards.
1. After receiving the credit card, an introduction will be attached, and the credit card will be activated according to the prompt;
2. Credit card activation methods are divided into: telephone activation, bank APP activation, and business outlet activation;
3. You need to bring the original ID card and credit card to activate the outlets.
4. Keep in mind the billing date and repayment date of the credit card, repay on time and maintain good credit.
So much for the fastest introduction about what credit card to apply for.