选择哪个银行更容易下高额度的卡?教你不知道的申请信用卡通道

作者: 发布时间:2017-12-09 17:20:41  来源: [手机访问]
导读: 要说现在哪个银行的信用卡好申请,那自然得说是那些办理门槛较低的地方性的小商业银行了,一般只要能开出工作证明,基本上都可以办理成功。1、招商银行信用卡:批

要说现在哪个银行的信用卡好申请,那自然得说是那些办理门槛较低的地方性的小商业银行了,一般只要能开出工作证明,基本上都可以办理成功。

1、招商银行信用卡:

批卡门槛不高,是中国信用卡第一品牌,卡片发行量仅次于工商银行,透支额度相对来说比交通银行的高,比民生银行、光大银行低,当然这个最主要取决您的财产和收入情况,消费最长免息期为50天。

2、民生银行信用卡:

批卡要求相对交行高一些,而且你非本市人员目前不予批卡,有些歧视农村户籍人员,透支额度较其它银行稍高一些,消费免息期最长为50天,在本地的民生银行柜员机上取现不收取手续费,民生银行的账单日和还款日可以自行设定,积分换购在中上水平。

3、光大银行信用卡:

批卡门槛很低,我的光大信用卡竟然没有和我要工作证明和财产证明,透支额度很高,基本比其他任何一家银行都高,消费最长免息期为50天,自动分期功能,开通自动分期功能后,每次刷卡消费,无论刷卡金额多少都自动分为12期分期还款,比较人性。

选择哪个银行更容易下高额度的卡?教你不知道的申请信用卡通道

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4、浦发银行信用卡:

浦发银行信用卡只需要你办理的工资卡之后三个月的工资证明就可以办理。但是浦发银行在很多地方是没有服务网点的,所以信用卡办理之后没啥大的作用。

首先在申请信用卡的时候,卡友们需要多考虑一下:这张卡该不该申请?下一张卡我该申请什么?对于申请信用卡,每一家银行都会有自己的评定标准,比如个人资质怎么样、名下资产有多少、申请人手上有没有信用卡了、卡多不多、征信有没有逾期以及总授信等,这些都是银行下卡的关注重点。

如果想拥有多张信用卡成为卡神的卡友呢,前期的五张信用卡就一定要特别注意了,首张信用卡的选择就是我们之前说过的,要申请与自己有来往的银行,比如工资、存款、流水多的银行。

其实很多朋友的工资卡都是工商银行的,在这种存款多流水大星级高的同时,就建议宝宝们把工商银行作为首卡的申请对象,毕竟工商银行是“国有五大行”当中的“宇宙第一行”,很多卡神都说过“用了工商银行的信用卡才是刚刚入门”,而且只要用卡习惯好,工行信用卡的额度会出奇的高,可以为之后申卡做参考资料打一个漂亮的头阵。

选择哪个银行更容易下高额度的卡?教你不知道的申请信用卡通道

详解查看评论区

那剩下的四张一定要优先申请不仅在意多行有卡还忌讳你频繁申卡的银行,不然当你杂乱无章的申请了很多信用卡后,在会过头来申请这几家银行的信用卡,基本就下不来了。

建议申卡顺序:

1、交通银行信用卡(额度较低,但容易下卡,适合小白申请的第一张卡);

2、招商、光大、广发信用卡(下卡容易,提额快!);

3、在招商提高到4万的时候,申请平安和中信(他们都会参考已有卡片的最大额度);

4、申请浦发信用卡(参考已有卡最大额度,多看重已有卡片使用率,交行的信用卡可以暂时不用管了);

5、此时信用卡也有40万额度了吧,不算现金分期、备用金之类的(这些没有紧急事情尽量不要用,因为银行政策变得太快);

6、最后一步申请四大行的信用卡(商业银行申请容易,四大行相对难,等有了资金再慢慢养吧)。

选择哪个银行更容易下高额度的卡?教你不知道的申请信用卡通道

详解查看评论区

感谢各位读者的支持和阅读,若是有关于相关问题可下方留言评论或者私信老师。为每日选取留言的读者进行解答迷惑。

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