Navigating the world of credit card applications and limit increases can be a bit of a wild ride. There are those who breeze through approvals in no time, while others get knocked back one after another. It’s not exactly a pretty sight.
Now, when a bank releases a new card, it’s usually a bit easier to get your hands on one. These new cards become the darlings of the various intermediaries who trade and tout them. So, let me, your friendly neighborhood finance blogger, give you the lowdown on some of the credit cards that have been generating buzz since late May. You might just find one that catches your eye.
First off, we’ve got the ZhongXin Xiaomi Credit Card. This bad boy is part of a whole range of co-branded cards, but for Xiaomi fans, it’s like the first time they’re seeing a card that’s all theirs. However, the ZhongXin cards that get approved left and right are actually from their ‘Yan’ series. The Xiaomi card came out mainly to create a buzz around Xiaomi products.
The Xiaomi card has a pretty neat feature: when you use Xiaomi Wallet to pay, you get 5 times the points. If a card doesn’t come with special treats, it’s almost not worth the co-branding effort, right? If you’ve been having trouble getting approved by ZhongXin, this card might just be your ticket.
Remember that picture of the card? Yeah, the one that looks like it could slide right into your wallet and become your new best friend. Well, here it is, in all its glory.
Next up, we have the MinSheng Mercedes-Benz White Card. This one’s been around for a while, but if you’re applying for a second card, it’s pretty much a guaranteed instant approval. The card design is sleek, and if you’re aiming for a white gold card from MinSheng, this is your chance to apply. But let’s talk about the elephant in the room – the credit limit. If the limit on your second card is going to be shared, and you’re just after that white gold status, then sure, apply away. But if you’re all about that high credit line, you might want to reconsider.
Now, let’s switch gears to the PuFa Women’s Card. This is a new card from PuFa, and considering they have a bunch of promotions, it’s no surprise it’s tailored for women. Typically, new cards have a higher approval rate, and I know a lady who got approved even after a few late payments on her credit history. It’s like PuFa’s saying, "Hey girl, we’ve got your back." If you’re looking to bump up your credit limit, PuFa loves it when you spend on travel, so if you’re planning a trip, that’s your green light.
And here’s a little gem for all the mamas out there: the Agricultural Bank ‘Pretty Mama’ White Gold Card. This is an upgrade from their ‘Pretty Mama’ standard card, and as with all new cards, the chances of getting approved are quite high. They’ve got some nifty benefits too, like exchanging 6 points for a 60 yuan ticket to a weekend fun park, or getting a discount on swimming and gym sessions at 5-star hotels. If you’re all about those weekend vibes, this card is speaking your language.
Last but not least, we have the Industrial Bank’s Constellation Cards and Insurance Co-Branded Cards. The Constellation Cards have always had a decent approval rate, and in May, they introduced a few new ones. The Insurance Co-Branded Cards are a new addition too, and if you’ve got insurance, it might be worth a shot. They say it’s an instant approval, but here’s the catch – the annual fee is non-negotiable and will be deducted as soon as you activate the card.
So there you have it, folks. A little something for everyone. Whether you’re after points, prestige, or plain old plastic, there’s a card out there waiting for you. Just remember to read the fine print and maybe, just maybe, you’ll find that perfect match.
