1. It was difficult to repay in the first few years, and there were too few branches of Bank of Communications. Repayment in 12-13 years is not as convenient as it is now. It feels really broken every time I find an outlet to repay! It is very convenient to use Alipay and WeChat now. Deduct 21 yuan's money every month, 9 yuan's credit guarantee and 12 yuan's credit card are worry-free? what! You take the money, and I have credit guarantee? I use your card, and you charge me for it?
2. It is difficult to withdraw the amount. It took me 9 years to change my card twice. The repayment has been very stable. Now the quota is only 9, and there was a temporary quota a few years ago, about 1 or 15, I forgot. In the past two years, it has been very stable, and there is no temporary quota. Of course, I won't ask for too high a quota. After all, I won't use it all, and it's not my own money that is spent on a higher quota. You have to pay it back sooner or later.
3. The number of business trips has increased in the last six months, and it is often necessary to buy tickets and book rooms by credit card. Usually, there is no discount for swiping a card, and the points are particularly cheap. More than 1, points can only be exchanged for a box of socks. I have a joint card of CCB and China Eastern Airlines, and a joint card of CITIC and China Eastern Airlines. Compared with the quota, it seems that the Bank of Communications credit card is particularly tasteless.
Let's talk about the experience of people around me using traffic credit cards. The first credit card quota is low, especially for white households. Most of the credit cards for male white households are between 2, and 5,, and most of the credit cards for female white households are between 5, and 8,, which is rarely more than 1,. In addition, when Bank of Communications applies online, if there is no other credit card or even academic qualifications, your work information will be added well and basically. 21 yuan's service fee is deducted from the credit card of the Second Bank of Communications every three months, which seems to be SMS service fee and asset insurance fee. Unless you call to cancel it voluntarily, it will be opened by default. The third amount is difficult. Some people have used it for several years, and the amount is still several thousand. When calling customer service to apply for the amount, they always say that the comprehensive score is insufficient, and the four winds control is too strict. It is always a single large amount of consumption, and it will be closed several times in a row. If you don't do it by stages, you will face a card reduction.
In short, Bank of Communications is more realistic. Seeing that you have good qualifications and property, your quota will be higher. In a few months, there will be a considerable loan for you. Once you find that your card is abnormal, or the repayment date is a few days late, you will be reduced and your card will be sealed. To be honest, the testing and auditing system of Bank of Communications is really second to none. Generally, credit cards and loans are approved in seconds, or rejected in seconds. Big data is quite powerful. No matter which bank has its own set of auditing standards, if you think you are the boss or have a car or a house, you can definitely apply for a large credit card. This is not necessarily true. Some lines will give you thousands, and you are so angry that you can't wait to break it off. Some may give tens of thousands of lines as soon as you go to work, which is beyond our control. Credit cards are a good thing to use, but they are poison. You can eat as much as you can.
I applied for the Bank of Communications Credit Card around November 214. At that time, the amount I applied for was only 12,, and now the amount is 45,. Earlier, the customer service of Bank of Communications began to send a message saying that my credit card service period has expired. Please go to the APP to fill in the mailing address and apply for a new card. I have never filled in the address, mainly because I don't need a credit card now, and there are also many reasons why I don't want to use the credit card of Bank of Communications. The other one of China Merchants Bank has already replaced a new card. . .
From my own experience, the reasons why I don't want to replace a new card and continue to use the Bank of Communications credit card are roughly as follows:
Of course, this advertisement is ubiquitous, mainly because these advertisements are activities, and the intensity of the activities is simply not good, and basically it can't give discounts to small users like us. What personal feeling of swiping the card is chicken ribs;
It is estimated that many friends know that it is very difficult to increase the amount of Bank of Communications, either by spending hard or applying for loans. I've used a 24-installment renovation loan once before, and the interest is more than 2 yuan every month. After the 24 installments, the quota will go up at once. If you ask for the quota yourself, it won't work. The approval there is just one word-the card
is free in the first year, but later, do you want to say that I didn't spend money? Isn't it possible to avoid the annual fee if you spend a certain amount? However, in fact, I always deducted the annual fee every month during the installment period, that is, I repaid the annual fee for one month when I didn't renew my card in November;
The biggest feeling is that the above capital loan is eating your interest.
Basically, there are many provincial capitals. Like my prefecture-level city, there is no Bank of Communications outlet. If you need to handle business at the counter, you can only do it in the card-opening city. I made a joke that I went to CCB to handle the Bank of Communications business, which was embarrassing at that time. . .
that's why I don't want to use the bank of communications credit card now. thank you for reading!
My Bank of Communications credit card was opened in 27. At first, it was only 1,5 yuan, 18, yuan after six months, and 28, yuan after six months. It took another year to spend 39, yuan directly, which is quite a lot. During this period, it was never overdue. The repayment was a bound savings card, and the savings card was a salary card at that time. I never had to worry about repayment, and the short trip was also free. However, in 211, a short message told me that the quota would be reduced to 2 yuan from next month because I cashed in. In 21, the salary was changed to China Bank, which is not a Bank of Communications credit card, and it is still 2, until now. Don't use this card number backwards. Use it. The trouble is not to upgrade it.
my bank line is thirty-two thousand! Question: This is my first credit card, but the bank is calling back.