Question 1: What is the difference between a credit card and a co-branded card? A co-branded card is different from a credit card

A co-branded card (Co-Branded Card) is a bank issued by a commercial bank and a for-profit institution. Card accessory products, co-branded cards have the same functions as credit cards. Unlike identity cards, co-branded cards are jointly issued by the card-issuing bank and general enterprises. They are targeted at a specific group of people. They are more business-oriented and have more features than ordinary credit cards. Various additional functions provided by enterprises to reward cardholders, such as China Airlines credit cards, department store co-branded cards, etc.

Question 2: What is the difference between a regular credit card and a co-branded card? A co-branded card only enjoys the preferential activities of the unit co-branded with the card, and basically does not enjoy the activities of other non-co-branded units. I suggest you still There are many places to apply for a regular card and participate in activities. The charges are the same and the approval is the same

Question 3: What does a co-branded credit card mean? A co-branded credit card refers to an agreement between a credit card and a product dealer so that cardholders can not only enjoy excellent financial services when making purchases, but also enjoy special preferential treatment from the manufacturer.

Co-Branded-Card is a bank card accessory product jointly issued by commercial banks and for-profit institutions. At present, the most common one is a co-branded debit card, which is a bank card with a co-branded nature developed on the basis of a debit card.

Co-branded credit card was approved in France on October 1, 2007. It is a bank card with the logo of a company or store or association, such as Visa and Mastercard. and American Express. Many companies have launched this kind of credit card, such as Fiat, Orange, Nouvelles Frontières, Air France, etc.

The mode of operation of a co-branded credit card is that the card-issuing bank jointly issues a card with profit-making institutions such as airlines, telecommunications companies, shopping malls, etc. Consumers who hold the card can enjoy the benefits provided by the merchant when spending money at these institutions. a certain percentage of discounts. Now many banks have developed co-branded credit cards with larger shopping malls in the city.

The card fee for a co-branded credit card is generally 19 to 45 euros. The institution that issues the card and its partner merchants offer bonus points, price reductions, and other benefits to credit card holders. This is a "real" credit card in that it can withdraw cash and pay for goods, and is accepted by all banking networks and merchants. But please note that this is a loan consumption card. Even if you only use it to withdraw 15 euros or pay 45 euros for gasoline, it is equivalent to using a recovery loan and you have to repay the interest. Therefore, be careful when using this kind of co-branded credit card. It is necessary to apply for it only if you are really a loyal customer of the merchant.

Question 4: Standard credit card, co-branded credit card, theme credit card, what do they mean? Standard is an ordinary credit card, indicating which bank issued it.

Co-branded cards are jointly organized with some shopping malls or large companies. You may get some points or discounts when shopping or consuming, and you can use each other's popularity to increase your popularity.

A theme card is a card based on a theme. For example, the theme of the Olympics. China Merchants Bank has such a theme card. In fact, it can be regarded as a commemorative card for a special period. It has no special function and is just a card design. Yes, it looks better.

Question 5: The difference between IC card and credit card. Hello, IC card refers to the integrated circuit card. The bus card we usually use is a type of IC card. Common IC cards use radio frequency technology and IC The card reader communicates. There is a difference between IC cards and magnetic cards. IC cards store information through the integrated circuit in the card, while magnetic cards record information through the magnetism in the card. The cost of IC cards is generally higher than that of magnetic cards, but Confidentiality is better.

IC card (Integrated Circuit Card) is another new information tool that emerged after the magnetic card. IC cards are also called smart cards, smart cards, microcircuit cards or microchip cards in some countries and regions. It embeds a microelectronic chip into a card base that complies with the ISO 7816 standard and makes it into a card form; it has been widely used in many fields including finance, transportation, social security, etc.

At present, our bank, China Merchants Bank, does not have IC credit cards.

Question 6: The difference between credit card points and co-branded points Hello#

Currently, you can go to "Customer Service" - "Points Management" - "Check Points Balance" in our personal online banking ” function to query. This function does not provide points for each card. If you need to check, please check through the card statement.

Consumption points conversion standard:

1 RMB and HKD: 1 point will be earned for every 1 RMB or HKD spent.

2. USD: 8 points for every USD 1 spent.

3. Euro: Earn 10 points for every 1 euro spent.

4. Consumption points will be converted on a transaction-by-transaction basis, and any consumption points less than 1 will not be counted.

For ICBC credit cards, consumption points can be used to redeem annual fees. You can earn one point for every 1 yuan you spend with your card. When your points reach a certain amount, you can offset the annual fee for that year. For specific points that can be used to waive the annual fee, you can consult the local ICBC service hotline 95588.

Difference:

The credit card points balance is your current existing points.

The co-branded points balance is a certain type of co-branded credit card points.

For example: The co-branded consumption points of PetroChina Co-branded Card can be combined with ordinary consumption points for redemption. Peony HNA co-branded card and Peony Shanghai Airlines co-branded card),

Question 7: What is the difference between a co-branded credit card and an ordinary credit card? 1. Co-branded credit cards are generally targeted, that is, the card type is only for a certain person or group of people. Various merchants have more discounts. But this does not mean that this card does not have discounts for other merchants. For example, most of our current credit card activities on the market are for banks, which means that you can enjoy the discounts as long as you hold a credit card from this bank, and if you get a co-branded card , the discounts may be stronger, or the content of the activities may be richer, but they are only for co-branded merchants. Unco-branded merchants enjoy the same discounts as ordinary cards. However, there may also be cases where some banks mark certain co-branded cards as not participating in certain activities. Therefore, whether your card can participate in non-co-branded merchant activities, or whether your co-branded card will really have more activities than an ordinary card, depends entirely on how the bank limits it in the activity description.

2. It is not that ordinary cards cannot participate in merchants that have been co-branded with the bank, but sometimes merchants may only launch exclusive activities for co-branded cards, and some ordinary activities, usually all credit cards of this bank All can participate.

3. According to my personal habits, I still prefer ordinary cards. Co-branded cards always give me a feeling of restriction, which may be a psychological effect. Whether you apply for a regular card or a co-branded card depends on your local area, especially whether there are co-branded merchants near your permanent residence and the activities are relatively valuable, or you can collect this card. It all depends on your preference.

4. For the specific activities of each card type, please refer to the official website of your card bank for the activity introduction, which is the most accurate. Your activity rights, participation conditions and specific details will be listed in detail. The activity merchant name, merchant address, etc.

Question 8: What are the differences between various Bank of Communications credit cards? Credit card purchases are the same

Generally speaking, Y-POWER cards are easier to use when withdrawing cash. It is more convenient to withdraw cash. But you must be under 30 years old to apply for it

Only teachers and civil servants can apply for a business card, with no annual fee for life

Platinum credit card has a larger credit limit, but it must be owned by the Bank of Communications Good credit record and deposit record, etc., ordinary people cannot apply for it

For a joint credit card, you must have a relative of yours to apply for the credit card before applying

Other credit cards are the same

You can consult 4008009888, the free consultation hotline of the credit card center is 11*00, transfer to manual

Question 9: Credit card and housing provident fund card. Housing provident fund card. In fact, it is just a savings card, which establishes a joint relationship with your provident fund account. It has nothing to do with loans.

If you are indeed overdue for a long time and are on the bank's blacklist, it is impossible to apply for any loan.

Of course, according to the "Credit Reporting Management Regulations (Draft for Comments)", "Credit reporting agencies shall not disclose or use personal bad credit that has been more than 5 years since the date of termination of the bad credit behavior or event. records, as well as personal criminal records for more than 7 years since the completion of the sentence.”

In other words, as long as you no longer have any bad credit records in the past 5 consecutive years, you will be removed from the blacklist. disappeared. At that time, you can apply for a loan.

Credit is also very important. careful.

Hope this helps! The answer comes from: Baidu Real Estate Exchange Group, so stay tuned!

Question 10: How do individuals choose credit cards? The four major state-owned commercial banks: China Construction Bank: Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived for three transactions; 2. The SMS service is free; 3. The cash withdrawal fee is only 0.5; 4. The loss reporting fee is 50 yuan; 5 , there is a credit card directly targeted at car owners, as long as they have a car with a displacement of 1.4 or above, they can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and inferior to those of Bank of China: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. Report a loss The handling fee is only 40 yuan. Disadvantages: high points are required to exchange gifts, and there are few types of gifts. Industrial and Commercial Bank of China: Advantages: 1. Use American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for a RMB card for one year. 2. Cash withdrawal fee is free; 3. Overpayment recovery is free of charge; 4. Loss report only costs 20 yuan; 5. Disadvantages of many outlets: 1. SMS service fee is 2 yuan/month; 2. Required for redeeming gifts High points, few types of gifts Agricultural Bank of China: Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. The loss reporting fee is only 50 yuan ; 5. Disadvantages of many outlets: 1. Few types of credit cards; 2. Card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts. China Merchants Bank: Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you use it six times. ; 2. SMS service is free; 3. Loss report handling fee is 60 yuan; 4. Points gifts are good. Disadvantages: 1. Cash withdrawal fee is high 3. 2. Few branches CITIC Bank: Advantages: 1. Use within one month after card issuance The first-year annual fee is waived once, and the annual fee for the next year is waived by swiping the card five times; 2. Free SMS service; 3. Free accident insurance. Disadvantages: 1. High cash withdrawal fees3; 2. Few outlets; 3. Loss reporting fee The highest demand is 80 yuan; 4. There are many gifts but the points required are relatively high. Advantages: 1. The first year annual fee is waived. If you swipe five times or spend 3,000, the next year's annual fee is waived; 2. It costs 50 yuan to report a loss. Disadvantages: 1. The SMS service fee is 3 yuan/month; 2. The cash withdrawal fee is as high as 3 yuan; 3. Bank of Communications has few branches: Advantages: 1. The first year annual fee is waived. Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times. The annual fee for the next year is waived; 2. The SMS service is free; 3. The cash withdrawal fee is only 1; 4. It costs 50 yuan to report a loss; 5. There are more outlets than other non-state-owned commercial banks; 6. There are many gifts that can be exchanged for points. Disadvantages : I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is generally Guangfa Bank: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived after six brushes; 2. No formalities are required to claim overpayment. 3. It only costs 3 yuan to make a replacement statement; 4. A copy of insurance is provided; 5. There are discounts for applying for the card. Disadvantages: 1. The SMS service fee is 3 yuan; 2. The loss reporting fee is as high as 85 yuan; 3. Shanghai Pudong Development Bank has fewer branches: Advantages: 1. No annual fee for the first year; 2. No SMS service fee; 3. No handling fee for reporting loss; 4. No handling fee for overpayment retrieval. Disadvantages: 1. The annual fee for the next year is based on the card swiping record and repayment record to determine whether to exempt; 2. The handling fee for replacing a damaged card is 80 yuan; 3. The handling fee for cash withdrawal is 3 yuan; 4. Few branches Shenzhen Development Bank: Advantages: 1. The first-year annual fee is waived; 2. Cash withdrawal fee 1; 3. Loss reporting fee 50 yuan; 4. Replacement statement fee only 2 yuan Disadvantages: 1. Points can only be exchanged for the next year's annual fee, and some credit cards can be exchanged 12 times in the first year Annual fee; 2. Minsheng Bank with few branches: Advantages: 1. No annual fee for the first year; 2. No handling fee for cash withdrawals; 3. No handling fee for overpayment redemption; 4. Free aviation accident insurance and discounted cars on site Disadvantages of the emergency assistance service: 1. Most credit cards need to be swiped 8 times to be exempted from the annual fee for the next year, and some require a 160 yuan service fee; 2. The SMS service fee is 3 yuan; 3. The loss report handling fee is 80 yuan; 4. Few outlets Everbright Bank: Advantages: 1. Some cards are exempt from the annual fee for the first year, and swiping three times is exempt from the annual fee for the following year; 2. Cash withdrawal fee is 1; 3. No SMS service fee; 4. It costs 50 yuan to report a loss. Disadvantages: 1. Some cards are only The first-year annual fee is waived, but some cards require a first-year annual fee; 2. Few outlets

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