What credit card is good now?

What credit card should newcomers apply for?

Newcomers who apply for credit cards are generally people with average credit conditions, such as graduates who have just entered the workplace, who have low repayment ability and are more suitable for applying for ordinary cards and gold cards. For example: China Merchants Bank YOUNG card, mainly for young people; The Bank of Communications Y-POWER card also belongs to the youth card; And Zhongxin Yanka, Everbright Xiaobai Card, etc. At the same time, it is not recommended to apply for a platinum credit card, which is highly likely to be rejected. If your personal qualifications are good, you can also try CITIC I Platinum Card, Bank of Communications Youyibai Card and Guangfa Shang Zhen Platinum Card. First of all, you should say Pufa AE Platinum Card, which can be exchanged for 2 nights of star-rated hotels with 50,000 points every year. It's really hard to get down now. The first question: Which cards can be exchanged for hotels: Credit cards with free hotels include: Pudong Super Platinum Card has 2 or 4 nights of free hotels every year, but the handling requirements are higher than Pudong AE Platinum Card. CITIC IHG Platinum has a 1 night free hotel every year, but the annual fee is 3,600 RMB. The credit cards of hotels with convertible points are:

Co-branded cards of hotels, including but not limited to CITIC IHG Gold Card, ICBC Shangri-La Platinum Card, Pudong wehotel Platinum Card, etc. , you can inquire by yourself and choose the hotel grade according to your own needs.

But it needs to be clear that it takes a lot of bank points to change a hotel for one night, so you need to have enough credit card limit and corresponding credit card consumption.

The credit cards that can be redeemed by hotels with few points are: China Merchants Bank Classic White 4 times a year 100 points for 300 (or above) cash, and the annual fee is 200 points/kloc-0 times for 299 (or above) cash. The second question: As a newcomer who has never done a credit card, not all of the above credit cards are direct. Look at your qualifications: If your parents help you buy high-net-worth real estate in your name, Minsheng Bank, which loves real estate licenses most, is your first choice. Go to the outlet to handle the elite IOUs of Minsheng Bank, with a quota of 80,000, which has the hotel rights you want. If your parents bought a luxury car for you, and it is in your name, then China Merchants Bank, which loves driving test, is your first choice. Go to the outlet to handle the classic white note of China Merchants Bank, 60,000 quota, and the desired hotel rights. If your parents can give you a large deposit in a bank account, then you can choose a bank that loves to deposit. At present, good cards with clearly marked prices include China Merchants Bank Classic White, Bank of Communications Kirin White (with a quota of 30,000 batches) and Standard Chartered Sincere White (with a quota of 50,000 batches), all of which can be applied for three months after a deposit of 500,000 yuan. If you are in an organization or an awesome company, such as BATJ in China, the Big Four foreign companies, powerful foreign companies and so on. Then find a platinum card you like in prime bank and talk to the account manager. Generally, the problem is not big. If none of the above has anything to do with you, then I suggest: Scheme 1: Choose a bank with a clear promotion system, such as China Merchants Bank, Minsheng Bank and China Everbright Bank. These banks are not slow to withdraw money. For example, when they run a gold card, they invite small platinum when a certain amount is used, and large platinum (or diamond card) when a certain amount is used. Option 2: Choose banks with fast withdrawal speed, such as ICBC, Agricultural Bank of China, Guangfa, China Merchants Bank and Minsheng. Option 3: Choose high-end card banks, such as ICBC, Shanghai Pudong Development Bank, China Merchants Bank, Minsheng Bank and Ping An Bank.

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 has a better credit card?

For card friends, of course, everyone wants to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose them? Which credit cards are easy to handle?

1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate by binding customers' Taobao accounts. CITIC Bank's card approval speed has always enjoyed a good reputation among card users. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now, CITIC Taobao Card is processed through the network, and the first quick payment is reduced to 30 yuan. Don't miss this offer!

2. Guangfa True Love Card, the first exclusive credit card for women in China, is designed with a transparent card version and advocates the concept of "independence, calmness, intelligence and frankness" in women's life. It has the service functions such as triple points plan and self-selected insurance plan, and enjoys many merchant discounts, giving women more personalized choices and more caring services. 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.

3. Guangfa Car Owner Card, specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy the national 100 km free road rescue service, 5 times credit card refueling points or 1% cash back discount, choose high insurance coverage and many other functions and benefits. The application of Guangfa Owner's Card naturally reduces a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for a credit card as long as they provide their own car driving license!

4. New customers of China Merchants Bank QQ co-branded credit card can get a gift of American traveler's fashion shoulder bag over 388 yuan. New card customers only need to swipe their cards three times in two months, and each time they spend 188 yuan, they will get a 388-yuan American traveler fashion shoulder bag. The first cash withdrawal every month is free.

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, the first withdrawal fee will be added free of charge every natural month!

6. Ping An Bank's credit card is very grounded, such as the owner's card dedicated to the owner, 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. The most sought-after and easy-to-handle credit card.

Excuse me, which bank is better for handling credit cards?

Each bank's credit card has its own characteristics:

1, Ping An Bank: First of all, Ping An Bank is the bank with a lower threshold for handling credit cards. The reason why Ping An Bank can approve many credit cards that other banks can't approve is because Ping An's big data is relatively strong, and Ping An Bank's credit cards are often larger than those of other banks. Therefore, people who apply for credit cards in other banks but want to get more credit lines can try to apply for Ping An Bank credit cards.

2. Bank of Communications: The credit card of Bank of Communications has a feature that its credit line for enjoying loans is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to handle;

3. China Merchants Bank: A major feature of China Merchants Bank's credit card is that it has many activities and lasts for a long time, such as half price on Wednesday, annual ten-yuan storm, irregular cash withdrawal and bonus points. You don't have to brush points every day. Go to activities when you have activities.

In addition, the card issuance rate is relatively high now, and the credit cards suitable for novices include young card of China Merchants Bank, I Platinum of CITIC, DIY card of Guangfa, Wal-Mart card of Bank of Communications and so on.