Almost. The four major banks are relatively difficult, but there is a great possibility that they can meet the requirements. To apply for a card, you must be at least 18 years old, have a stable job and income, have repayment ability and have a good personal credit report.
The most difficult credit card in the four major banks (which credit card with higher debt is better)
The most difficult credit card in the four major banks (which credit card is easy to apply for with high debt)-Yo Yo Encyclopedia of Life//Encyclopedia of Home Life Problems and Experience Literature Yo Encyclopedia of Home Life Problems and Experience Life Cold Knowledge The most difficult credit card in the four major banks (which credit card is easy to apply for with high debt) 202 10 13 06:40? Advantages of China Industrial and Commercial Bank Credit Card There are more than 30,000 outlets in China, and there is no bank that doesn't care about the debt ratio, and the quota is also the lowest.
Because they are all state-owned banks. High-debt customers represent high-risk customers, which is deep-pocketed compared with joint-stock banks. Compared with other banks, it is much more difficult, that is, the work permit. In order to apply for a credit card as soon as possible, I want to know which credit card is the best for banks to apply for.
ICBC has the longest review time. Why is it difficult for some banks to handle credit cards? With the gradual popularization of credit cards.
It is the highest amount among the four major banks. CCB's business and people's livelihood, bank credit cards are easy to apply for Bank of Communications, and the approval threshold for Bank of Communications cards is very low.
Recommend CCB's credit card, the benefits are good. State-owned and CCB credit cards are the easiest to issue among the four major banks. Different brands of international cards have independent quotas, and users should apply for credit cards according to the overall strategy of the bank. Or the income certificate stamped with the official seal of the unit can also be used, followed by.
There is no local cash withdrawal fee, and the bank has deep pockets. They don't attach importance to the credit card business. Banks occupy a policy monopoly and advantage when examining credit cards and inquiring about customers' credit information. The bank with the largest credit card advantage in China Industrial and Commercial Bank supports Alipay, and the average credit line of ICBC is over 40,000. For cardholders who are eager to use credit cards, which bank has the best credit card?
First of all, the risk control of China Merchants Bank and Bank of Communications refers to the standards of CCB, which is the top five, so there are four state-owned banks. Do you have any credit cards from other banks? Business is good.
It is the most difficult for workers and peasants to build credit cards of the four major state-owned banks. If you can have a CCB credit card, you can settle the account again. At present, the banks with the largest number of outlets in China support Alipay, and the requirements for applicants are higher than those of joint-stock banks.
Shanghai Huaxia, badge. Because all banks are afraid of customers with high debts, and they can conduct unrestricted local cash withdrawal independent bidding for different brands of international cards, so under the same conditions.
Guangfa, you only need to provide your ID card and your work certificate, or even. You will see the letters in the customer's name.
It is more difficult for ICBC, Agricultural Bank of China and China Construction Bank to apply because the auditing standards are stricter.
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The most difficult credit card in the four major banks
Credit card application is easy, bank quota is high, interest rate is low, and credit card online application is handled:
If you want to find a bank with the best credit card, you can choose from private banks, local banks and their co-branded cards, which is also a common cognition.
In addition, the development of credit card business in different banks is different. Generally speaking, there are many credit cards, so the threshold for application is relatively low and the probability of passing is relatively high.
When handling credit cards, many cardholders not only look at the threshold of handling cards, but also pay attention to the amount. After all, the larger the credit card amount, the more enjoyable it is to swipe the card, so many people want to apply for a credit card with a good amount.
Meituan joint credit card
Meituan co-branded credit card is a co-branded card jointly launched by the bank and Meituan. The credit limit of Meituan's joint credit card is generally 1 0,000-50,000 yuan, and the maximum credit limit is 50,000 yuan. (
Meituan joint credit card application
)
Meituan cooperated with Bank of Guangzhou, Bank of Jiangsu, Bank of Xiamen, Bank of Guilin, Bank of Shanghai and Bank of Qingdao to launch joint credit cards. The number of cooperative regional banks reached 14.
Cardholders can bind Meituan credit card on Meituan, and when spending on Meituan, they can use Meituan credit card to pay and enjoy relevant preferential activities.
If you are a senior user of Meituan, you often order takeout and group purchase, and you have certain spending power. You have applied for other bank credit cards and used them normally, so applying for the Meituan co-branded card is basically the second batch.
Meituan Credit Card can be used every day to deduct 6 yuan, and every takeaway can be deducted from 6 yuan for 90 consecutive days. Movies are 50% off every month, and credit card spending points can be automatically converted into the change of Meituan according to the standard of 10 yuan/100 yuan, which will be cashed on Tiantian Platform.
Bohai bank credit card
The credit card limit of Bohai Bank is: ordinary card limit1000-10000; Gold card amount10000-50000; The amount of platinum card is more than 50,000. It should be noted that the approval of credit line for credit card application is based on the applicant's actual situation, job stability, fixed income and so on. (
Bohai Bank Credit Card Application
)
Its products mainly include standard cards, Bohai Bank 5 1 joint credit cards, travel theme cards, house theme cards and family theme cards. The 5 1 joint credit card of China Bohai Bank is a UnionPay standard gold card, free of annual fee, with a maximum credit line of 654.38+10,000 yuan. The card does not have an interest-free repayment period, and it bears interest on a daily basis, and it can be repaid as it is borrowed, which flexibly meets the shopping and consumption needs of cardholders.
Shanghai Pudong Development Bank Credit Card
The credit cards of Shanghai Pudong Development Bank are divided into ordinary cards, gold cards and platinum cards according to the card level. Generally, credit cards are between 3,000 and 50,000 yuan, gold cards are between10000 and 50,000 yuan, and platinum cards are above 50,000 yuan. (
Shanghai Pudong Development Bank Credit Card Application Form
)
The credit limit of Shanghai Pudong Development Bank's credit card is the credit limit given by the applicant through various evaluations, including: work, credit history, education level, asset status, etc. The better the evaluation project, the higher the credit card limit.
Hengfeng bank credit card
The credit card limit in hengfeng bank is generally: the credit card limit is between 3,000 yuan and 65,438 yuan+00,000 yuan. Gold card amount: 5000 -30000 yuan. Platinum card amount: 10000 -50000. (
Hengfeng bank credit card application
)
This article mainly talks about hengfeng bank Star Platinum Credit Card, which is a family-based credit card. With this card, it can provide cardholders and their families with a variety of rich rights and interests, such as comprehensive aviation protection, family personal health housekeeper, triple points on Wednesday, exclusive points cash back, UnionPay platinum courtesy and so on.
In terms of travel, Star Platinum Credit Card is also quite distinctive. With this card, cardholders and their families can enjoy global flight delay insurance in 300 yuan and air checked baggage delay insurance in 800 yuan for a single delay of two hours.
Which bank credit card is the most difficult?
Strictly speaking, as long as your personal credit record is very good, basically every bank can handle credit cards.
If you really want to name the most difficult credit cards, I think the credit cards of the four major state-owned banks, such as China Agriculture, Industry and Construction, are the most difficult, because such banks generally put their credit card business in a relatively biased business. These banks do a lot of business and don't worry about business. Naturally, they pay less attention to the personal business of credit cards, and the qualification examination of users is also strict.
Credit card processing depends on your personal credit information.
When you apply for a credit card, your credit card application record will be reflected in your personal credit report. Generally speaking, if you apply for a credit card too many times in a short period of time, the bank may decide that there is something wrong with your personal financial situation and will not approve the credit card application. Banks will definitely call your personal credit information before approving credit cards, so we must maintain personal credit information at ordinary times and don't keep records of inquiries and operations frequently.
Credit cards built by middle peasants and workers are the most difficult.
As I mentioned above, it is the most difficult to construct the credit cards of the four state-owned banks in China. Because these four banks all have certain technical business and don't put the credit card business in the business center, they will be more strict in reviewing credit card applications and have basic requirements for users. In addition, the credit card quotas approved by these four banks are generally lower than those of other commercial banks, and users rarely take the initiative to apply for credit cards from these banks.
The personal qualifications of users are very important.
Although the strictness of credit card approval varies from bank to bank, in general, the personal qualification of users is the most important. If the user's personal qualifications are not good, basically all banks can't apply for credit cards. On the other hand, if the user's personal qualifications are good, although different banks have different credit card quotas, they can basically apply. Personally, I suggest that you apply for no more than three credit cards, which is not only convenient for management, but also beneficial to our personal credit investigation.
Which bank is the hardest to apply for a credit card?
Among the four major state-owned banks, ABC, ICBC and BOC have relatively high credit card application thresholds.
In addition to providing basic personal information, ICBC also needs to submit proof of real estate and income. Agricultural Bank of China not only has a high threshold, but also has fewer types of credit cards. You need to provide valid identity documents and proof of income for the past three months. If it wants to apply for a high credit card, it must provide proof of personal financial resources.
Extended data:
Precautions:
To apply for a credit card, you must first meet the conditions stipulated by the bank for applying for a credit card. Different banks have different conditions for applying for a credit card, but in terms of necessary conditions, all banks require applicants to be at least 18 years old, have a stable job and income, and have a good personal credit record. Users who meet the basic conditions can try to apply for a credit card from the bank.
Users who meet the basic requirements can choose the appropriate handling channels according to their personal circumstances. Users can apply directly at bank outlets, or through online banking, mobile banking or bank staff on the spot. In addition, there are many third-party credit card agencies in the market. When choosing processing channels, pay attention to choosing formal channels.
People's Daily Online-N reasons for the rejection of credit card applications.
About which bank's credit card is the most difficult to apply for and which bank's credit card is the most difficult to apply for? This concludes our introduction. I wonder if you found the information you need from it?