The most powerful credit card

How powerful is the Centurion Black Gold Card

As the highest level credit card in China, only a few banks can handle the Centurion Black Gold Card, such as ICBC, China Merchants Bank and China Merchants Bank. Bank etc. There are only a handful of people who can own this kind of black gold card, and most cardholders don’t know much about black gold cards. Therefore, Xicaijun will introduce the Centurion Black Gold Card in terms of application conditions, rights, limits, annual fees, etc.

1. Which banks can apply for Centurion Black Gold Card?

Initially, only Industrial and Commercial Bank of China and China Merchants Bank can provide Centurion Black Gold Card. In recent years, Bank of China, China Guangfa Bank, China CITIC Bank, Everbright Bank, Ping An Bank, Minsheng Bank, etc. have also launched similar cards.

2. Application conditions for Centurion Black Gold Card

Centurion Black Gold Card is not available to anyone who wants to apply. Only a very small number of people can own the Black Gold Card. Cards cannot be applied for directly by customers, they are all actively invited by banks. The bank will comprehensively examine whether you are an invitation customer for the bank's black gold card based on the customer's assets, total annual deposits in the bank, annual card consumption, and the customer's contribution to the bank.

Generally, customers who can successfully apply for a black gold card have certain characteristics:

(1) There are more males, and they are generally CEOs and presidents of well-known companies. , chairman of the board, national dignitaries, and celebrities;

(2) Aged between 35 and 60 years old, living in luxury homes, driving luxury cars, and owning private yachts and airplanes;

( 3) Annual consumption of 2 million is a basic threshold.

3. What kind of rights can customers with black gold cards enjoy?

The services that Black Gold Card customers can enjoy are beyond imagination. No matter when and where the customers have any requirements, bank staff will find ways to solve them for them. The daughter of a Centurion Black Gold Card customer in the United States was unable to attend her favorite band's performance because she was ill. The customer called the bank, and the bank's professional consultants tried every means and finally invited the band to the hospital to express their condolences. A little girl. Enjoy top-notch benefits in travel and shopping at the same time. Black gold card customers can enjoy VIP treatment from world-class airlines when traveling, including private luxury cruises, planes, luxury car transfers, top-notch services in tourist resort hotels, and medical assistance services. Enjoying world-class brand shopping discounts, points, etc. are the most common rights.

4. What is the limit of the Centurion Black Gold Card?

The limit of China's black gold card ranges from 2 million to 10 million. Banks provide different credit cards based on the customer's assets, total deposits in the bank, annual card consumption, and the customer's contribution to the bank. Customers provide corresponding credit card limits.

5. What is the annual fee for the Centurion Black Gold Card?

The annual fees for black gold cards charged by different banks are different, but they are generally relatively high and not everyone can afford them. For example, the annual fee for the black gold card of ICBC and China Merchants Bank is 18,000 yuan, and the annual fee for Minsheng Bank is 36,000 yuan.

5 new credit cards are available! See which one suits you!

In daily life, many people will apply for a credit card to use. If the credit card you apply for is good, you will be able to enjoy many discounts. Here, I will introduce to you some of the magic cards released in 2019.

The popular credit cards in 2019 include: Guangfa Sharp Card, China Construction Bank Visa dual-standard credit card, Everbright Douyin co-branded credit card, ICBC Guangming Women’s Credit Card and Bank of China BAIC Penglong Platinum Card.

GF Sharp Card

Guangfa Sharp Card is one of the best credit cards in 2019. There are two types: gold card and regular card. Use the GF Sharp Card in department stores, supermarkets or restaurants. You can get cash back on all purchases, with a maximum cash back of 1% every day. Through consumption cashback, you can save yourself a lot of money every month.

China Construction Bank dual-standard visa credit card

The China Construction Bank dual-standard visa credit card is also one of the magic cards in 2019 and supports coupon rebates for spending on Tmall on weekends. On every Friday, Saturday, and Sunday from March 22, 2019 to December 31, 2019, cardholders who spend a total of 128 yuan in Tmall Supermarket can get a 20 yuan Tmall shopping voucher. For those who like to shop online, the China Construction Bank Visa dual-standard credit card offers a lot of benefits.

Everbright Douyin Co-branded Credit Card

The Everbright Douyin Co-branded Credit Card is also one of the best credit cards in 2019 and is suitable for Douyin fans. The Everbright Douyin co-branded credit card supports Caesar’s exclusive preferential rights for travel routes of Douyin celebrities. Suning store offers instant discounts of up to 5 yuan for a single purchase of 10 yuan, and random discounts of up to 188 yuan for JD.com purchases.

ICBC Guangguang Women’s Credit Card

The great thing about ICBC’s Guangguang Women’s Credit Card is that it has a lot of cash back. If you spend 50,000 yuan with the gold card, you will get 500 yuan in cash back every year, and if you spend 500,000 yuan with the platinum card, you will get 500 yuan in cash back every year. 5,000 yuan in cash back every year. In addition, the card also supports a 3-day repayment grace period and a 10-yuan repayment grace balance, which can well protect personal credit.

BOC BAIC Penglong Platinum Card

The Bank of China BAIC Penglong Platinum Card is a magical card for car owners. It offers an instant discount of 365 yuan on premiums when paying with the card, 6 free car washes throughout the year, Priority service for maintenance appointments, 20% off original decoration and other discounts.

China's top ten most valuable credit cards

China's top ten most valuable credit cards are as follows:

1. Minsheng Bank Diamond Credit Card, the best among domestically issued credit cards It should be Minsheng Bank Diamond Card. Although the color of the card is not black, its credit limit can reach up to 3 million yuan, and the annual membership fee is as high as 10,000 yuan.

2. ICBC Peony Platinum Card claims to have only 7,000 users worldwide. As one of the four major state-owned banks in China, the card issuance standards of Peony Platinum Card are quite strict. Individuals cannot apply on their own initiative and must be invited by the bank to apply.

3. Everbright Bank Yanhuang Credit Card-Platinum Card, special features: super high aviation insurance.

4. CITIC Bank Air China PhoneMiles CITIC Credit Card, platinum card, special features: the first platinum Air China PhoneMiles Credit Card.

5. CITIC Bank CITIC STAR dual-currency credit card, platinum card, special features: global airport VIP room privileges.

6. Everbright Bank Everbright Golf Credit Card, Platinum Card, special features: Enjoy golfing services at a discount of 50-30% off the visitor price at more than 150 courses across the country.

7. Everbright Bank Sunshine Business Travel Credit Card, platinum card, special features: VIP enjoyment, optional.

8. China Merchants Bank Platinum Credit Card, Platinum Card, special features: national discount stores.

9. Shanghai Pudong Development Bank Pudong Development Credit Card, platinum card, special features: RMB/USD dual-currency settlement.

10. Pufa Dream Card, a personalized private customized service, has distinguished VIP services at many airports and high-speed rail stations at home and abroad, as well as preferential services at international hotels, with no annual fee, overseas You can also get high cash rebates on your purchases.

Which credit card (debit card) is the best? The most comprehensive comparison of the pros and cons of credit cards (debit cards) of major banks in history

1. Industrial and Commercial Bank of China

Known as the first line in the universe, why? Don't take the usual path. Please check with Baidu for details. ICBC is approved by the local card department, not the credit card (debit card) center.

What should I do to apply for an ICBC card?

First of all, ICBC has the so-called star rating, which is used as a reference value for card approval. If you have a debit card with ICBC, then there is the so-called star rating, and you have no business with ICBC. There are no stars. This is only used as a reference value and does not affect the review.

Advantages:

1. No handling fee for cash withdrawal;

2. Install X;

3. The limit is increased quickly, which makes no sense The standard for increasing the quota;

4. Free SMS reminders for consumption;

5. The consumption password can be selected in three ways: no password is required for all transactions; a password is required for all transactions; above the limit Transactions require a password;

6. The maximum interest-free period is 56 days;

7. No interest will be charged on the part that has been repaid in less than full repayment.

Disadvantages:

It can be said that there are basically no discounts, and points are not of much use.

Preparation materials:

ID card, bank statements, car ownership, real estate, if you want a high-value credit card (debit card), please ask ICBC to deposit at least 50,000 yuan on a regular basis, one week Do it later.

Suitable for the crowd: Friends who want a large-value card and have certain assets!

2. China Construction Bank

It is a relatively friendly bank among the four major banks. It is easier to get a card and the limit is not bad.

Advantages:

1. Low application threshold;

2. Car washing with certain cards is free;

3. Preferential merchants are relatively More;

4. Points can be exchanged for miles;

5. Differences do not occupy the quota;

6. The annual fee is waived if you swipe it 3 times

Disadvantages:

1. No SMS notification;

2. Not even a birthday blessing;

3. Short interest exemption period< /p>

Application materials: ID card, bank statement, car property, real estate, fixed deposit, and card application.

Suitable for: car owners and foodies!

Bank of China

The biggest and stingiest bank, bar none.

Advantages:

1. Points are valuable; 2. Many outlets; 3. There are SMS reminders; 4. There are many discounts

Disadvantages:

1. The threshold for applying for a card is high;

2. You can only apply for a limit increase twice a year. Whether to mention it or not is another matter;

3 . Pay great attention to deposits;

4. Supplementary cards need to be repaid separately

Prepare materials: ID card, bank statement, work certificate, RMB fixed deposit to Bank of China.

Suitable for people: trapeze artists!

3. Agricultural Bank of China cooperates with many merchants and has many co-branded cards. It can be said to be a bank that is more friendly to the people.

Advantages:

1. Lots of activities;

2. Many outlets;

3. Quick quota increase;

4.56 days interest-free period;

5. SMS reminder;

6. Professional business travel services for credit card (debit card) customers

Disadvantages:

1. The threshold is high;

2. The limit is low, and the 500 limit for applying for a card is too much;

3. The approval time is long;

4. Points = 0!

Preparation materials: ID card, bank statement, work certificate, social security card, and it is necessary

Suitable for people: foodies

3. Agricultural Bank of China card cooperation There are many merchants and co-branded cards. It can be said to be a bank that is more friendly to the people.

Advantages:

1. Lots of activities;

2. Many outlets;

3. Quick quota increase;

4.56 days interest-free period;

5. SMS reminder;

6. Professional business travel services for credit card (debit card) customers

Disadvantages:

1. The threshold is high;

2. The limit is low, and the 500 limit for applying for a card is too much;

3. The approval time is long;

4. Points = 0!

Preparation materials: ID card, bank statements, employment certificate, social security card, and it is necessary

Suitable for people: foodies

Bank of Communications

The girl who approves the credit card (debit card) of this bank must be very kind-hearted, and she can almost pass it. I once applied for a card online, and it was approved within 15 minutes of applying. Received approval SMS.

Advantages:

1. The threshold is very low;

2. The initial amount is very high;

3. There are many discounts;< /p>

4. Repayment is quite convenient

Disadvantages:

1. The system can only actively increase the limit, but cannot apply for an increase, and manual intervention is not possible;

2. The cheating SMS reminder fee;

3. The cash withdrawal fee is very expensive;

4. Full penalty interest;

5. Strict risk control, just ask for a card to be blocked if you click on a trivial matter

Application materials: ID card is enough.

Applicable people: Because there are many activities, it is suitable for all friends who love to take advantage~

CITIC Bank

A bank with no bottom line, it is easy to make mistakes even if nothing happens. A little mistake

Advantages:

1. Lots of activities, especially eating and brushing! ;

2. By fooling the customer service, you can get lifetime annual fee exemption;

3. Points are easy to get;

4. Use the card well Next time, there will be so-called "credit money" and "new express" businesses, and you will have more money to spend on wool!

Disadvantages:

1. The installment fee is very high;

2. The cheating SMS reminder fee;

3. The interest is waived The period is not long;

4. The risk control is very strict. If anything happens, I will call you and ask you what you just bought with your credit card (my general answer is: it’s none of your business) What's going on, who are you?)

Application materials: ID card is enough, the card limit is higher

Applicable people: Because there are many activities, it is suitable for all small people who like to take advantage of Friends ~

5. Industrial Bank

A bank with more characteristics, the credit limit after applying for a card is not bad.

Advantages:

1. Gold cards can enjoy airport VIP lounges;

2. Points are permanently valid and will not be cleared;

3. Points can be redeemed for miles;

4. The minimum monthly repayment is 5%, which is 10% for general banks

Disadvantages:

1. None 400,800 phone number;

2. Very few outlets;

3. Relatively speaking, there is discrimination against rural households and men, who prefer girls (I have been discriminated against!)

Preparation materials: ID card, bank statement, financial certificate, credit card (debit card) from other banks (if any)

Suitable for people: those who fly frequently and don’t want to pay the annual fee for a platinum card Friends

Ping An Bank

This guy used to be an insurance guy, but now he is a bank! Pays great attention to car production! If you have a car, you are his uncle!

Advantages:

1. 24-hour roadside assistance;

2. Accident insurance, hospitalization subsidy insurance, etc. will be provided as soon as you apply for the card (all of them are banks or You can’t change your style of selling insurance!);

3. If you have a car, your credit limit will increase;

4. There are many activities

Disadvantages:

1. SMS reminder fee;

2. Points are worthless;

3. Lots of advertisements

Preparation materials: car Property, ID card, other bank’s credit card (debit card), bank statements

Applicable people: car owners and friends who love to travel

6. Everbright Bank

One of the more popular banks, with a relatively large number of credit card (debit card) users and great activities

Advantages:

1. The card surface is beautiful!