Any bank has both good and bad sides. Can't generalize, generalize. We should treat it rationally, split it in two and analyze its advantages and disadvantages. Industrial Bank is a regular bank. Approved by the People's Bank of the State Council, People's Republic of China (PRC) and China, it was established on August, 2008 1988. Industrial Bank is the first joint-stock commercial bank in Chinese mainland. Since its establishment, it has become one of the few national joint-stock commercial banks in China and has been well received by all walks of life at home and abroad.
Advantages of Industrial Bank Credit Card:
Save money: Under normal circumstances, the credit card of Industrial Bank has to pay an annual fee, but it also offers annual fee concessions. The Industrial Bank credit card handled in the first year can enjoy the annual fee-free policy. You can also waive the annual fee for the next year in the first year. As long as you swipe your card five times with any amount of Industrial Credit Card, you can save a lot of annual fees and enjoy it for free.
Large amount: customers generally do not choose a small Industrial Bank credit card. The maximum credit card limit of Industrial Bank Jinpu Card can reach 50,000 yuan, and there is no trouble of low credit limit.
Points: Industrial Bank will provide points for customers' credit card consumption, and customers can get gifts through the corresponding points provided by Industrial Bank. After the card expires, the cardholder will renew the card and the points will be renewed automatically.
Simple: The application process of Industrial Bank's credit card is very simple, and there is no need to provide guarantor and deposit. Industrial Bank can issue credit cards according to the applicant's personal credit situation.
Extensiveness: Industrial Bank credit cards can be consumed by special merchants with UnionPay logo nationwide, and can also be withdrawn from ATMs with UnionPay logo nationwide.
Security: In order to ensure the security of customers' cards, customers can enjoy the security guarantee of zero card loss risk.
Convenience: customers don't have to travel around for repayment, and they can also realize the inter-bank repayment business of Industrial Bank's credit card.
Speediness: Under normal circumstances, in order to avoid overdue repayment, early repayment and transfer, the bank card of Industrial Bank can be received in real time. ：
Industrial Bank Credit Card Application Conditions
1, aged between 18 and 60 years old. If you apply for an online credit card, it needs to be between 22 and 60;
2. Have full capacity for civil conduct;
3. Cardholder 14 years old;
4. Personal credit is good, and it is best not to have overdue records;
5. Have a stable income and job;
6. The applicant has a local branch of Industrial Bank.
In addition, if the applicant can provide more financial proof, Industrial Bank will increase your credit card limit according to your financial situation.
How about Industrial Bank credit card?
The credit card of Industrial Bank is OK, the application is relatively easy, and the service is not bad. Generally, the ordinary card of Industrial Bank is free of annual fee in the first year, while the gold card needs to meet the corresponding credit card conditions or the number of points, and the platinum card needs to charge an annual fee no matter how much it costs. Taobao card is an ordinary card. If you change to a platinum card (standard version), you will have to pay an annual fee of 2600 yuan, but the corresponding platinum card has many discounts in all aspects.
Annual fee-free policy: Puka Gold Card swipes 5 times to avoid the annual fee for the following year;
Handling fee for cash advance: RMB: 2% for cash advance, minimum 20 yuan/transaction (regardless of the same city and different places), 2% for cash advance, minimum USD 2/transaction (regardless of the same city and different places);
Multi-account management: quota sharing, independent repayment on a billing day;
Installment business: supports installment business, interest-free installment for specific merchants (3, 6, 12), bill installment business (3, 6, 12, 18, 24) and single consumption installment (3, 6, 65438+).
Bookkeeping date: according to different card types and different bookkeeping dates, cardholders can change once every six months;
Types of cards: ordinary cards (quota 1500-50000 yuan) and gold cards (quota 7000-50000 yuan);
Industrial Bank was established in 1988 and its head office is located in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 300 banks in the world. Industrial Bank Credit Card Center was established in July 2004. It is a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank.
In order to better serve customers and enrich the product functions of credit cards, Industrial Bank credit cards have promoted a number of withholding and remittance services in different cities across the country. Business types mainly include: China Unicom mobile phone fee withholding, telecom fee withholding, tap water fee withholding, electricity fee withholding, gas fee withholding, gas card withholding and so on. With the continuous development of new business, Industrial Bank will strive to develop diversified withholding services according to market conditions to meet the payment needs of different customers.
How about the Industrial Bank Credit Card _ Has the Industrial Bank Credit Card been approved?
Industrial Bank was established in 1988 and its head office is located in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 300 banks in the world. Industrial Bank Credit Card Center was established in July 2004. It is a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank. How about Industrial Bank credit card? Is the Industrial Bank credit card easy to approve?
Basic characteristics of Industrial Bank's credit card:
Optional credit card password
You can choose whether to spend by signing or adding password protection. Industrial credit card fully takes care of your convenience and security needs.
Zero loss reporting risk
If the card is lost, you can call the 24-hour customer service hotline 9556 1 or complete the loss reporting procedure through the interactive SMS service, and the loss reporting will take effect immediately, without worrying about all the risks afterwards.
A card and two coins.
Specially provide RMB and USD for distinguished cardholders, which can be used for signing accounts in more than 200 countries and regions around the world. Consumption abroad can be repaid in RMB, which is popular all over the world.
A variety of repayment methods
We provide you with up to seven repayment methods, such as cash repayment, ATM transfer repayment, automatic transfer repayment, online banking repayment and telephone banking repayment, so that you can easily repay anytime and anywhere, which is very worry-free.
Is the Industrial Bank credit card easy to approve?
Whether it is a credit card or a loan, whether it can be approved or not depends on personal qualifications. Even if it is approved, the amount will be high or low. Some people are only a few thousand, and some people are tens of thousands or even hundreds of thousands. These results are mainly determined by your personal qualifications, such as your personal work and income, including assets and real estate in your name. These are all decisive factors. Of course, banks still pay more attention to this aspect. However, according to an old friend who has handled the Industrial Bank credit card, it is relatively easy to approve compared with other popular bank credit cards. Conditional old brothers also set a limit of 20 thousand yuan, or even 50 thousand yuan. It can be seen that in order to increase the business volume, Industrial Bank has also invested some money in the card approval, so it is better to approve the Industrial Bank credit card.
What is the credit card credibility of Industrial Bank?
Category: Commercial/wealth management banking business
Problem description:
Have you ever used the credit card of Industrial Bank? How reliable is it? Is there really no water at all? Can we use it safely? Thank you.
Analysis:
Industrial Bank attaches great importance to the development of credit card business, and there are many related market preferential activities, which can be used with confidence.
Is the credit card of Industrial Bank good?
Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
So much for the introduction of Industrial Bank's credit card.