What are the credit cards with the best reputation in China?
The credit cards with the best reputation in China include: Huaxia, CITIC, China Merchants, Ping An, and Bank of Communications.
1. Huaxia
Huaxia Bank officially issued Huaxia Credit Card on June 18, 2007. Hua Xia Bank's first series of credit cards are divided into three types: ordinary card, gold card and titanium card. In terms of product function design, Hua Xia Credit Card has launched a number of innovative functions and services;
In terms of credit card limit and repayment period , interest-free policies and other aspects are innovative. The issuance of Hua Xia Credit Card is a major progress in the strategic cooperation between Hua Xia Bank and Deutsche Bank. It also marks Hua Xia Bank's first entry into the Chinese credit card market.
2. CITIC
On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market.
3. China Merchants Bank
China Merchants Bank Credit Card Customer Service Center was named "China's Best Call Center of the Year" as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference , is the only award-winning unit in the domestic financial industry. In 2002, China Merchants Bank realized integrated and professional credit card services.
4. Ping An
Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the credit consumption of credit cards, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".
5. Bank of Communications
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals for life and career" , have pursuits, know how to enjoy, and are more willing to struggle, and sometimes there are people who want to study, do business, research or travel abroad.
Bank of Communications Credit Card is also a group of people with high living standards and willing to try new consumption habits. "Bringing together the dual advantages of global and local, with the theme of "Chinese Global Card", it advocates a new consumer culture and card experience, and provides preferential treatment and considerate services all over the world.
What credit cards are worth applying for? Any good recommendations?
As for the issue of credit cards, credit cards are becoming more and more popular now, and they are also a must-have for the happiness and career development of families.
First of all, I recommend the four major banks in China. The credit cards of the four major banks have good stability, low risk control, high reputation, and the application is relatively simple.
I won’t recommend all other banks because there are so many banks.
The credit card of China Merchants Bank is good. It has many fan cards, many discounts on meals, and many gifts. It is also easy to apply for the card. What are the details?
First: 50% off discount
Every Wednesday there is a 50% off discount, that is, 50 yuan to buy a 100 yuan coupon or 20 yuan to buy a 40 yuan coupon, the same principle . Generally, they cannot be superimposed.
If it is not a Wednesday, there are usually discounts, ranging from 15% off to 95% off.
Second: There are first-time rewards
Different fan cards have different first-time gifts.
For example, the young card is a trolley case. I also use this card myself.
Another example is a Hello Kitty card, which is a fan cup.
There are many, many more that I won’t list one by one.
Third: Easy to apply for the card
In fact, it is really easy to apply for the card. The main thing is that you have a formal job, a company landline, and it is best to have a savings card. It's easy to get stuck.
Recommended priority order for card application:
1: Agricultural Bank of China, ICBC, China Merchants Bank
2: China Construction Bank, Citigroup, Standard Chartered
3: Shanghai Pudong Development Bank, Guangdong Development Bank
4: Ping An, CITIC, Minsheng, Communications, China Everbright, HSBC
Reason:
1. Agricultural Bank of China and ICBC have high credit card credibility, and others The two major banks are relatively recognized, and through financial pledge, leverage can be used to quickly reach a higher limit.
2. China Merchants Bank does not support applying for a card by card, so you can only raise it slowly, but fortunately, the limit can be increased very quickly. Moreover, there is a recent activity on the diamond card. You can transfer 500,000 to the China Merchants Bank card to prove your assets. You can apply for the diamond card in more than a month, and the limit is usually 100,000. (How far away from the middle class is it? Mr. Bee is crying blindly,_)
3. China Construction Bank, Citigroup, and Standard Chartered pay more attention to the number of card holders. If you hold more cards, you may be identified as a risky customer. Easily rejected.
4. Pudong Development and Guangfa have cooperation with airlines, which is a magic tool for accumulating miles. After applying for the above cards, you can also consider these two.
5. When one of your cards has reached a high limit, or you have graduated, you can apply for Ping An and CITIC. The two banks will refer to the existing limit and basically match it with the existing card. The maximum amount remains the same. Are you afraid that your quota will double in an instant? !
3. Elite Edition
Recommended priority order for card application:
1. Minsheng Xiangbai, China Merchants Bank
2. Agricultural Bank of China, Guangfa
3. China Construction Bank, Citigroup, Standard Chartered
4. Shanghai Pudong Development Bank, CITIC, Ping An
5. Communications, China Everbright, HSBC
Reason :
1. The Minsheng Xiangbai quota starts at 65,000, the monthly salary is over 10,000, and there is no problem with the credit report. You can basically apply for the card. (A monthly salary of over 10,000?! Mr. Bee, I am indeed not an elite yet!)
2. China Merchants Bank must be maintained slowly, so it is better to do it as soon as possible.
3. It is easier for Agricultural Bank of China and China Guangfa to increase the credit limit, so you can apply first.
4. As mentioned before, China Construction Bank, Citigroup, and Standard Chartered pay more attention to the number of cardholders. If you have more cards, they will be easily rejected. , so it’s best to apply in advance.
5. Ping An and CITIC refer to existing credit cards, and the maximum limit will basically be the same as the existing card.
6. You can apply for other cards at will.
4. Silk version
Suggested priority order for card application:
(After thinking about it, Mr. Bee, I can only look at this one)
1. Minsheng Xiangbai, China Merchants Bank
2. Agricultural Bank of China, China Guangfa
3. China Construction Bank, Citigroup, Standard Chartered
4. CITIC, Ping An, Pudong Development Bank
5. Communications, HSBC, China Everbright
Reason:
1. China Merchants Bank, Agricultural Bank of China, and China Guangdong Development Bank are the easiest to raise the quota, so they must be done first. Concentrate on maintaining one card, and then apply for other cards after graduation.
2. As mentioned before, China Construction Bank, Citigroup, and Standard Chartered value the number of cards you hold. Cards with too many cards are easily rejected, so it is recommended to apply in advance.
3. When a card has been fully graduated, and you have applied for cards from China Construction Bank and other banks, you can then apply for cards from Bank of China, Ping An, CITIC, and Pudong Development Bank. They will refer to the existing maximum limit. Out of quota. (The limit doubled instantly, I’m very excited just thinking about it.)
4. Just apply for the remaining cards as you like.
NO.1 Bank of China Great Wall UnionPay Platinum Card
NO.2 China Merchants Bank Young Card
NO.3 Agricultural Bank of China Youran Platinum Card
NO.4 Industrial and Commercial Bank of China Forbidden City Co-branded Card
NO.5 Guangfa Bank DIY Card
NO.6 Guangfa Bank Unlimited Diamond Card
NO.7 Transportation Bank Walmart Card
NO.8 Postal Savings Bank Dingzhi Platinum Card
NO.9 China Everbright Bank Douyin Platinum Card
NO.10 Guangfa Bank China Life Platinum Card
Hello, Futures Xiaochu, as a so-called old man who has been engaged in the financial industry for more than ten years and a national financial planner, started with his first credit card in 2006. At most, he had more than a dozen credit cards. Standard Credit card expert, please give a brief answer to this question
First understand the concept of credit card
Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when purchasing, and the bill is pending. Make repayments on time.
Credit cards as stipulated in the relevant laws of our country refer to electronic payment cards issued by commercial banks or other financial institutions that have all or part of the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc.
Secondly, the benefits and advantages of using a credit card
When we use a credit card to swipe the card, the bank actually advances it to the merchant first, that is, consumes first and then repays, and we have cash on hand. You can use it flexibly, for example, you can put it in a bank to earn interest or invest in financial products such as funds and stocks, with at least a buffer time of one or two months. Of course, you must be good at investing; otherwise, if you don’t have the money to repay when the repayment date comes, it will affect your personal creditworthiness.
1. Owe less favors
2. Relatively safe
Use credit cards as much as possible for purchases, so you can carry less cash with you - even if it is stolen or If it is lost, the loss can be reduced.
3. Clean and hygienic
4. Save money
Many banks’ credit cards have cooperation or promotions with merchants. For example, you can get cash back after swiping the card. Discounts, such as 20% off or 50% off on watching a movie or eating Western food. In addition, credit card points can also be redeemed for some gifts in daily life, and there are even some lottery activities.
5. Convenience
6. Relieve financial pressure
7. Accumulate personal credit history
8. Conveniently understand your financial situation
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9. Convenient financial management
After the credit card statement date, we will receive a detailed consumption statement in the form of paper or email. From the statement, we can clearly understand our consumption and expenses in the last month. .
10. Additional conveniences
Some credit cards also provide free accident insurance, medical insurance, towing and car washing, enjoy the services of banks or airport VIP lounges, and can also redeem points for flights. and changing gasoline and other benefits.
The third return to this question is "What credit cards are worth applying for? Any good recommendations?"
1. China Merchants Bank YOUNG Card: China Merchants Bank YOUNG Card is a card suitable for young people. It is a credit card for people to apply for, with the benefit of double birthday points and a cash withdrawal limit of up to 100, and as long as the user uses it properly, the limit can be increased quickly.
2. Bank of China Great Wall World Credit Card: The maximum limit of Bank of China Great Wall World Credit Card can be as high as 2 million, and it has many exclusive rights and interests, and it is easy to increase the limit.
3. ICBC World Struggle Credit Card: The ICBC World Struggle Credit Card application threshold review conditions are relatively loose, easier to apply for, and if you maintain the card well, it is easier to increase the limit.
4. Agricultural Bank of China ETC Credit Card: Agricultural Bank of China’s ETC card enjoys high-speed ETC discounts and refueling discounts. It is also easier to increase the amount of benefits such as car washing. Therefore, it is more cost-effective for users who own a car to enjoy the corresponding benefits while maintaining a card and increasing the limit.
5. Ping An Bank Car Owner Card: The biggest advantage of Ping An Bank Car Owner Card is that you can enjoy refueling discounts at thousands of gas stations across the country, and the credit limit is increased quickly, and the application threshold is not high, so it is also worth keeping. credit card.
6. Shanghai Pudong Development Bank AE White Credit Card: This credit card has very good benefits. You can exchange points for nine points and enjoy unlimited VIP room benefits and various travel benefits. However, the threshold of this card is high, but the corresponding limit is It is also higher.
7. Ping An Bank Travel Platinum Card: As long as this credit card meets the consumption requirements, you can enjoy 1 cash rebate, and as long as you maintain the card well, the limit will increase quickly, making it a more worthwhile credit card.
8. Bank of Communications Wal-Mart Card: Shopping is an indispensable part of daily life, and Wal-Mart is a supermarket everywhere. This card is jointly launched by Bank of Communications and Wal-Mart. Users can use this card at You can enjoy corresponding discounts when shopping at Walmart, and you can enjoy corresponding rights while maintaining your card.
9. CITIC Bank Yan Card Series: The application threshold for this card is low. As long as the user has good credit, he can apply for it. As long as he maintains the card carefully, the final limit can reach up to 50,000 yuan.
10. Citibank Mileage Card: Citibank’s mileage card can be redeemed for corresponding miles and has more travel rights. It is more suitable for users who often go out. The card has a high limit and can increase the limit quickly. However, The application threshold is high.
Futures Xiaochu reminds everyone that credit cards must be used rationally and planned appropriately.
Credit cards are generally used by the four major state-owned banks because:
1. State-owned banks have high credibility and reasonable fees.
2. Online credit cards Online payment is convenient and fast, with high security, and all support offline mobile banking
3 The four major state-owned banks generally have local account opening banks
4. The activities of redeeming credit card points for gifts of the four major banks More
Hello everyone, I am the card inspector. Based on the question you asked, if you want to maintain and use your card in depth, then I suggest you apply for a few platinum cards. It doesn’t take too many, and the quota and benefits are all It’s enough. I recommend some classic and easy-to-use platinum cards to you; you can apply according to your own conditions and needs.
1. CITIC i Platinum Card
Card name: CITIC i Platinum Card
Recommended group: salaried workers who have not been working for a long time, can be your first card Apply for Platinum Card.
Annual fee policy: The annual fee is waived in the first year, and the annual fee is waived in the following year by swiping the card (including cash withdrawals) 12 times;
Special benefits: Double points can be calculated through online transactions (sporadic) Points are not included in online transactions). Points can be redeemed for various CITIC 9-point activities. The redemption of CITIC 9-points is quite powerful, for example: 25 yuan in Mannings cash, any large cup of coffee at Starbucks, etc.
Inspector’s comment: This is the platinum card that has been used for the past two years. Although it has declined recently due to the adjustment of rights, it is relatively easy to get the card. Even those who have just started working can easily get to platinum. Card. It is recommended to apply if the monthly salary before tax is more than RMB 5,000.
Second, Pudong Development Bank Simple Platinum Card
Card name: Pudong Development Bank Simple Platinum Card
Recommended group: salaried workers who have not been working for a long time. They can enjoy a good high-end at a civilian price. Serve.
Annual fee policy: No annual fee.
Special benefits: buy one get one free at designated five-star hotel buffets, "stay 3, pay 2" in designated five-star hotels, discount fares on China Eastern Airlines, Singapore Airlines, Hainan Airlines, etc.
Inspector’s comment: Pufa AE is what everyone dreams of, but let’s start with Pufa’s simple white stuff to pave the way for AE white in the future! The simplified version of the Platinum Card is a very cost-effective credit card from Shanghai Pudong Development Bank. It is a typical dual-currency platinum card design and has a classy appearance.
3. CITIC Yueka Platinum Card
Card name: CITIC Yueka Platinum Card
User group: middle-income people.
Annual fee policy: If you open the card and swipe it once in the first year, the first-year annual fee will be waived. If you swipe the card 5 more times in the first year, the annual fee will be waived.
Special benefits: New customers can earn up to 8 times points in the first three billing months.
Inspector’s comment: Baiyue Card is a card that is quite difficult to use because its returns combine assets and income. Only after you place more than 200,000 yuan in assets with CITIC will this card become a magical card with benefits: But in terms of exchanging air miles, Yue Card can be called a magical mile card, because this card is linked with the CITIC Savings Card, which can achieve the highest benefits. 8x points.
According to the exchange ratio of CITIC Bank points for miles of 25:1, after you deposit 50,000 yuan, you can accumulate 1 kilometer of Air China or China Southern miles by spending 6.25 yuan, and if it is 200,000 yuan, , then you can redeem Air China or China Southern Airlines miles by spending 3.125 yuan. However, please note that this card only earns points for offline purchases.
Four. Pudong Development Bank AE Express Platinum Card
Card name: Pudong Development Bank AE Express Platinum Card
Recommended group: middle-income people.
Annual fee policy: The annual fee is discounted in the first year, and the annual fee in the next year can be deducted by 200,000 points.
Special benefits: Unlimited free access to more than 800 airport VIP lounges around the world, and you can bring your companion 6 times for free throughout the year. This right alone is already worth 2,600 yuan! There are free airport pick-up and drop-off services in nearly 40 major cities across the country three times a year, and 24-hour free road rescue services within 100 kilometers across the country. 50,000 points can be redeemed for one-night stay in designated hotels. The hotels cover more than 70 star-rated hotels and boutique hotels in 40 popular tourist resort cities at home and abroad and in Southeast Asia. For mileage redemption on the four major domestic airlines, 12 points can be redeemed for 1 mile on any airline of Air China, China Eastern Airlines, China Southern Airlines, and Hainan Airlines. A maximum of 200,000 miles can be redeemed per year. (HNA’s upper limit is 60,000 miles per year) and so on.
Inspector’s comment: The American Express Platinum Card has always been regarded as the best card by the detectives, and it is a credit card worth having. The threshold for purchasing a card is relatively high, but the benefits are very eye-watering.
Card usage tips: Pudong Development Bank Credit Card has 5 times the points entitlement, which can be purchased on the official credit card website or APP. It seemed to be 3 yuan/month before, with a one-time purchase of 3 months for 9 yuan, and automatic renewal. This can be said to be a must-buy item. The annual fee points of Pudong AE White are earned in this way, and you can collect more points to offset the annual fee.
Fifth, China Merchants Bank Classic White
Card name: China Merchants Bank Classic White
Recommended group: middle-income people.
Annual fee policy: There is no annual fee in the first year, and 10,000 points can be redeemed every year starting from the second year.
Special benefits: Each card can enjoy one free health checkup per year, and any excess can be redeemed with 7,000 points per time. The rights can be transferred to relatives and friends; each card can enjoy one free oral care service per year, and can be redeemed with 3,000 points for excess visits, which saves the cost of one free tooth cleaning per year; each card can provide 12 free golf driving ranges per year. Each card has 6 visits to the airport VIP lounge per core card year (you can spend one time with one person each time). Starting from 300 yuan, you can get 100 points to stay in a five-star hotel; you can also redeem 4 Hyatt room coupons. 300 points can be exchanged for 900 yuan for Premier level, and 300 points for 1200 yuan can be exchanged for Elite level. They are transferable.
Inspector’s comment: Needless to say, China Merchants Bank’s credit card, Classic White, is a card worth owning and has been at the top of the credit card rankings for many years.
Card usage tips: On your birthday, when China Merchants Bank earns 10 times the points, you can exchange 20,000 points for 100,000 points. 120 yuan is a good deal for dental cleaning, physical examination, golf, and various rights of a 5-star hotel.
Nowadays, there are so many types of credit cards, including co-branded cards, gold cards, and platinum cards, it’s really confusing!
When applying for a card, of course you have to choose what you need, such as gas discounts, free car washes, free pick-ups from high-end airlines, free driving, and VIP rooms!
Let me tell you what I use most!
. Ping An Car Owner Card
This card offers a 12% discount on gas, and the monthly cash rebate limit for the gold card is 60 yuan, which is okay. If it is not enough, you can apply for the car owner platinum card for 120 yuan per month. Yuan.
Moreover, this card comes with accident insurance for all vehicle occupants, up to RMB 1.1 million, so you don’t need to buy additional insurance for vehicle occupants
There is also comprehensive road rescue once a day for an unlimited number of days, which is absolutely practical for fuel delivery. Power on, on-site quick repair
First of all, there are too many types of credit cards launched by major banks. You have to choose a credit card that suits you according to your own usage habits and scenarios. For example: If you often fly, you can choose an airline co-branded card, which offers mileage bonus; if you often visit supermarkets, you can choose a supermarket co-branded card, which offers discounts at certain times; if you own a car, you can choose a car owner card, which provides free car washing and discounts on refueling? No Table one by one.
Secondly, if you are a white household (a white household has never done business with a national credit agency and has no data in the credit reporting system), it is more difficult to apply for the first card. To get your first credit card, you need to have proof of financial resources, such as: real estate certificate, driving license, work permit, bank deposits, bank salary statements, etc.
Thirdly, if you want to apply for a small number of cards for daily consumption, you can choose CITIC, Ping An, Pudong Development, Guangfa, and China Merchants. These banks are easier to get cards from, and the credit limit is pretty good. If you want multiple cards for business turnover, you need to apply in order from difficult to easy. You can start with the five major state-owned banks, namely China Construction Bank, Bank of China, Communications, Industrial and Commercial Bank of China, and Agricultural Bank of China. If the five major banks can accept the card, it will be easier to apply for a credit card from a commercial bank.
The last thing I want to remind you is: Credit cards are easy to use, but you must pay them back in time and remember not to ruin your credit report. You need to have a plan when using a card. If you pay the minimum payment for a long time or pay each bill in installments, you will bear relatively high interest. Happy using your card!
1. First of all, it is not recommended to apply for one of the four major banks, because the four major banks have strict review, the initial quota is low, and the quota increase is slow.
2. First of all, I recommend GF. The GF Smart Card I use has a limit adjustment once every three months. You have to take the initiative to call to adjust. Secondly, apply for transportation and China Merchants Bank credit cards. These two cards have cooperation with many merchants. Pudong Development Bank also has cooperation, but it is not as good as Communications and China Merchants Bank. They have the same thing: they can get discounts on meals, but the quota increases are slow.
3. It is best to get one from Xingye. Its points can be exchanged for many things. Note: It is a pure point exchange, and the amount increases very quickly.
4. People’s livelihood is also possible, but it is possible to increase the quota, which is not as good as Industrial and Guangfa.
What are the credit cards of Bank of China?
Bank of China has the following different types of credit cards:
1. Bank of China BOC Credit Card;
2. Bank of China VISA Olympic Credit Card;
3. Bank of China JCB Credit Card;
4. Bank of China Lenovo VISA Olympic Credit Card;
5. Bank of China City Card;
6. BOC Elite Co-branded Card;
7. BOC JCB Jiuguang Department Store Co-branded Card;
8. BOC ZTE Business Card;
9. BOC Jiaotong University Alumni identification card;
10. BOC Sichuan University Credit Card;
11. BOC Peking University Credit Card;
12. BOC JCB Dazhong Electric Co-branded Card;
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13. Bank of China Zhuangsheng SOGO department store co-branded card.
Card features:
You can make overdraft purchases without depositing, and enjoy an interest-free period of 20-50 days to repay on time without charging interest.
Swiping your card when shopping is not only safe, hygienic and convenient, but also provides points for gifts.
You can enjoy discounts when you use the card at the bank's designated merchants.
Accumulate personal credit and add integrity records to cardholders’ credit files.
Traveling in China is barrier-free. You can withdraw money or make purchases by credit card at ATMs and POS machines with the UnionPay logo.
A variety of discounts and lucky draws throughout the year.
Free monthly mailed statements, transparent control of every consumption expenditure.
The unique supplementary card function is suitable for couples to manage finances at the same time, or to control their children's financial expenditures.
The free choice of one card and dual currencies is available all over the world. Overseas consumption can be repaid in domestic RMB.
The toll-free 800 hotline provides 24-hour service. Reporting loss will take effect immediately, and there is zero risk of losing the card.
To apply for a Bank of China credit card, no guarantor, deposit, or cash deposit is required. You only need to fill in the Bank of China credit card application form and attach copies of identity documents, permanent residence certificates, and financial certificate documents, that is, Can apply for Bank of China credit card.
Preferential policies:
Annual fee-free policy: Swipe the Gold Card 5 times to waive the annual fee for the following year
Cash withdrawal handling fee: domestic bank transaction amount For 1, the minimum cash withdrawal from ATM is RMB 8, and for cash withdrawal at the counter, the minimum is 10 yuan. Other banks only use ATM machines, and the transaction amount is 1, the minimum is RMB 12. 1 of the amount of overseas UnionPay transactions, with a minimum of RMB 15
Maximum interest-free period: 50 days
Multiple account management: *** limit (BOC series and Great Wall series are independent ) The billing date is independent and the repayment is independent
Online payment: supports JD.com, Taobao and Alipay, has issued BOC Taobao credit card, enjoys Taobao VIP, supports Alipay cartoon business
Instalment business: Supports interest-free installments (3, 6, and 12 installments) at specific merchants. Single arbitrary installments and bill installments are not supported
Billing date: The monthly billing date is generated by the system, is fixed for each cardholder, and cannot be changed
Card categories: regular card (limit of 2,000-30,000 yuan), gold card (limit of 10,000-50,000 yuan), platinum card (limit of more than 50,000 yuan)
Currency: RMB, RMB /USD, RMB/JPY, GBP, EU credit card points activity rules
What credit cards does Bank of China have?
Bank of China has issued: personal Jinpu credit card, platinum credit card, unlimited credit card , American Express card and many other credit card products, you can inquire about them through the official website of Bank of China ()--Bank Card--Credit Card Products.
The above content is for your reference, please refer to actual business regulations.
What are the credit cards?
At present, all major banks issue credit cards. According to the credit card level, credit cards include regular card, gold card, titanium card, platinum card and diamond card. Cards, unlimited cards, etc.; according to the card organization, credit cards include UnionPay card, MasterCard, visa card, JCB card, American Express card, etc.
That’s it for the introduction of credit cards.