Which bank’s credit card mall has a lot of stuff?
Minsheng Bank gives you one point for every dollar you spend, forever. It’s very affordable to redeem stuff online. There’s also a lot of stuff in the online mall, and the Industrial Bank Taobao co-branded card is also very good. Woolen cloth.
With the rapid development of the Internet and the popularity of smartphones, more and more people are shopping online. So which credit card is better for us to choose when shopping online? Here we will introduce to you. How to choose a suitable credit card for our online shopping? First of all, we need to determine which platforms we often shop on. Different platforms have different cooperative banks. Users who often use Taobao to shop on Taobao can choose from China, Ping An, CITIC, Guangfa, Industrial Bank, etc., all have co-branded credit cards on Taobao
What is the best credit card for young people
1. Young Card of China Merchants Bank;
2. Taobao Co-branded Credit Card Gold Card of Industrial Bank;
3. Campus Youth Card of Shanghai Pudong Development Bank;
4. Bank of Communications Y-POWER credit card;
5. Minsheng Bank in card;
6. CITIC Taobao co-branded credit card.
There are many credit cards suitable for young people. When choosing a credit card, the most important thing is its rights and interests. Just apply for whichever credit card you like.
Extended information:
China Merchants Bank Young Card is a RMB credit card launched by China Merchants Bank that can only be applied for by non-student customers under the age of 30. After the user activates the online payment function, he or she sets the cumulative consumption limit. When the consumption reaches the limit, it needs to be reset, and the previous accumulation record will be cleared.
Main card annual fee: Regular card annual fee is 100 yuan
Annual fee exemption policy: unconditional exemption in the first year, swiping the card 6 times will waive the annual fee for the next year, and so on
Cash advance limit: 100% of the credit limit
Interest-free period: 18 to 49 days
Consumption verification method: signature+password
< p>Revolving credit interest (daily interest): 0.05% interest is charged every dayConsumption SMS notification fee: Free SMS notification for consumption exceeding 100 yuan, no notification for consumption below 100 yuan
Minimum payment Payment: Minimum 10% of the amount owed
Billing date: The 5th, 7th, 10th, 12th, 15th, 17th, 20th, 22nd and 25th of each month is the billing day, just open the card The billing date can be changed once after half a year
Online payment: After the user activates the online payment function, he or she sets the cumulative consumption limit. When the consumption reaches the limit, it needs to be reset, and the previous accumulation record will be cleared< /p>
Points
Points method: 18 yuan for 1 kilometer; 1 point for 20 yuan; 20 yuan for 1 point
Validity period of points: valid forever
Instalment
Instalment application: call China Merchants Bank customer service; the application time is from the day after the current bill date to two working days before the due repayment date
Instalment type: single installment , bill installment, shopping mall installment, online mall installment, mail order installment, telephone shopping installment, TV shopping installment, car purchase installment, home improvement installment, group installment
Minimum installment amount: minimum RMB 1,000
Instalment rate: 3 installments: 2.6%; 6 installments: 4.2%; 12 installments: 7.2%
Deduction method: one-time payment
Early repayment Regulations: It can be paid off in advance, but the handling fee collected will not be refunded
Local counterpart cash withdrawal: the minimum fee is 10 yuan, 1% of the transaction amount, the maximum fee is 20 yuan
Local Inter-bank cash withdrawal: the minimum fee of 1% of the transaction amount is 10 yuan, the maximum fee is 20 yuan
Cash withdrawal from other places: the minimum fee of 1% of the transaction amount is 8 yuan, the maximum fee is 100 yuan
Inter-bank cash withdrawal in different places: The minimum fee is 10 yuan for 1% of the transaction amount, and the maximum fee is 20 yuan
Overseas UnionPay cash withdrawal: The minimum fee is 3 USD for 3% of the transaction amount
Overseas non-bank cash withdrawal UnionPay cash withdrawal: 3% of the transaction amount
Overseas emergency cash withdrawal: 3% of the transaction amount, the minimum fee is US$3
Local counterparty overpayment recovery: the minimum fee is 0.5% of the transaction amount The fee is NT$5
Local inter-bank overpayment recovery: the minimum fee is NT$5 and the maximum fee is NT$50
Which credit card is easy to apply for online in seconds
1. It is easy to apply for a card online and find the right channel to apply for the card:
It is understood that there are many channels to apply for a credit card online, one is the official channel, that is, the official website of the card issuer's credit card, the official account of the card issuer's credit card, etc.; One is the third-party channel cooperated by banks, such as Alipay, WeChat, etc. Here we introduce Alipay to apply for a credit card.
After all, Alipay can not only apply for a card online, but the user’s Zhima credit score is also helpful for applying for a card. This is because when applying for a credit card on Alipay, some banks also authorize Zhima points. If the applicant relies on Alipay for food, clothing, housing, transportation and entertainment, and the Zhima points are 600 or above, it is easier to apply for a card through this method.
However, not all credit card online applications are easy to apply for, and it depends on the card issuer.
2. Introduce several banks that make it easy to apply for a card online:
1. Industrial Bank:
The threshold for applying for a card at Industrial Bank is relatively low. Applying on Alipay makes it easier to apply for the card, but generally you need a Sesame score of 620 or above to apply. As for card selection, I would like to introduce you to apply for Industrial Bank pass credit card and Industrial Taobao credit card. Generally, the review results will be available as soon as 5 minutes after submitting the application. In the case of good credit, the review pass rate is said to be over 90%.
2. China Everbright Bank:
For Alipay users with a Sesame score of 620 or above, it is easier to apply for the Everbright Credit Card on Alipay. Many cardholders reported that it can be approved in seconds. Of course You still need to choose the right card type in advance. It is recommended that you apply for the Everbright Little Yellow Duck themed credit card. This credit card is said to be the easiest card to be approved in seconds by China Everbright Bank.
However, it should be noted that online Shen Everbright Bank requires an interview before the card can be issued.
3. Minsheng Bank:
Minsheng Bank has cooperated with Alipay to apply for cards very early. Generally, if there is no problem with the credit report, a sesame score of 600 or more is enough. Approvals are approved in seconds, especially now that the end of the year is approaching, and the approval rate remains high. In terms of card selection, female friends can apply for the Minsheng Women's Flower Credit Card, and car owners can apply for the Minsheng Car Credit Card. In addition, Minsheng Baidu Takeout Co-branded Credit Card, Minsheng.com Tesco Installment Credit Card, etc. are also relatively easy to purchase.
Are there any credit cards worth getting? These 5 credit cards are not to be missed!
Nowadays, more and more people like to apply for credit cards for daily consumption. However, there are many types of credit cards on the market, leaving many cardholders wondering how to choose. Some card friends came to ask what credit cards are worth getting in 2019. Here I will introduce to you five credit cards with fairly good benefits.
1. China Merchants Bank young card
China Merchants Bank YOUNG card is specially designed for young people. Anyone under 30 years old can apply for it. New users who meet the criteria for applying for a card can choose one of three gifts: a branded trolley case, an electric shaver, or 1,000 credit card points. You can enjoy double points in the birthday month and can withdraw 100% of the cash. The first cash withdrawal in each natural month is free of charge, which is very suitable for novices who are new to the workplace.
2. CCB Dragon Card Car Card
One of the must-have credit cards for car owners. The points you spend with the card can be exchanged for gas fees at a rate of 4%. 10,000 points can be exchanged for 4 yuan. The car can be washed for free once a week, and cardholders can also enjoy free national roadside assistance services by calling the customer service phone number, including on-site quick repair, spare tire replacement, power pump and towing within 15 kilometers (three times per year).
3. Pudong Pudong Beautiful Woman Credit Card
UnionPay Platinum Card level, no threshold and no annual fee, focusing on women’s consumer rights. New customers who apply for the card and meet the consumption standards can get rich gifts: 88 yuan for swiping the card Cash, 2 movie tickets, phone bills, JD.com E-card, trolley case/L’Occitane gift box, etc. The benefits are very generous.
4. Youth series platinum credit card C-level debut version
Agricultural Bank of China’s newly launched youth card in 2019 is an entry-level platinum card with very real benefits, including a minimum repayment of 5% and overdraft. 30% off interest rates, interest on deposits, and no handling fees for the first cash withdrawal every month can reduce the pressure on young users. Travel benefits such as 1 yuan parking at the airport, airport CIP rapid security check and lounge services are very attentive.
5. Everbright Douyin Co-branded Credit Card
One of Everbright’s popular cards in 2019, with no annual fee during the validity period, points can be accumulated for online transactions, and random purchases can be made on major mainstream platforms Instant discounts, random discounts of up to 188 yuan on JD.com shopping, random discounts of up to 50 yuan on Suning shopping, etc. It is a shopping magic card, and you can also enjoy UnionPay Platinum Card 3 points/year airport VIP lounge or 6 points/year high-speed rail VIP lounge services, etc. Travel rights.
What kind of credit card is suitable for people who often shop online?
Online shopping has become the most popular way of shopping, it is convenient and all-inclusive. Today let us introduce some credit cards suitable for online shopping.
China Merchants Bank Youth Card: China Merchants Bank Youth Card is a credit card suitable for young people. When you withdraw your birthday cash for the first time every month, you are entitled to double points, up to 100%, and are entitled to free handling fees. In addition, the risk control is very low and withdrawals are very fast as long as the user uses it properly. In addition, new customers of this card have long had their first card swiping ceremony, and most card friends use this card as a springboard to apply for high-end merchant cards.
Xingye Taobao co-branded card: worthy of a kitchen knife, it is one of the best choices for online shopping. It’s easy and difficult to apply for, and it’s also a good credit card from Industrial Bank. Cash withdrawals are free of handling fees and first-year annual fees, and swiping the card 5 times is free of second-year annual fees. In addition, points can be calculated for online shopping, and the points can also be used as cash to offset the purchase amount.
China Merchants Bank Tmall Business Hall Co-branded Card: This is a newly issued online shopping credit card, divided into Happy Gold Card and Cool Black Card, both of which are UnionPay Gold Cards. New cardholders can get Taobao recharge for 6 consecutive months, no threshold credit voucher, 20 yuan per month; 1 Moore piston headset exclusive version. In addition, you can enjoy double points and a monthly iPhone lucky draw after using Taobao on mobile.
ICBC JD.com Co-branded Card: This card is an ICBC Credit Card Gold Card.
When applying, you can get a full discount coupon of 5 off 99 pieces of online shopping at Jingdong Mall, and you can enjoy a 6% discount on purchases at Jingdong Mall. One of the disadvantages of this online shopping credit card is that the cardholder is required to bear a hard annual fee of 200 yuan/year.
CITIC Bank Extension Card Series: The application threshold for this card is very low, and users can apply as long as their credit status is good. It has been the first time for new customers to wear Mao Cushion for a long time. Mao Cushion is also one of the high-end card types for cardholders to apply for high-end cards from banks such as CITIC. This is easier than the young people of China Merchants Group to get out of the card. From the perspective of rights and interests, it is also very suitable for young white-collar workers in 1.2-tier cities.
To sum up, online shopping credit cards are popular among many young cardholders. I hope the above content can be helpful to everyone. Do you think you'll miss out on a lot of benefits after reading your credit card?
Which credit card is the best for China Merchants Bank?
The credit cards of China Merchants Bank are all very good, but they have different value-added services and are aimed at different audiences. If you are a young person, you can apply for the YOUNG card of China Merchants Bank. The threshold is quite low, there are many activities, and online shopping is very convenient. If you travel frequently, you can apply for a credit card jointly launched by China Merchants Bank and airlines, such as China Merchants Bank Air China Credit Card, which will provide discounts on air tickets and insurance. China Merchants Bank and Ctrip credit cards are also available. Not only for air tickets, but also for booking hotels and trips on Ctrip, there are activities and points.
Easy-to-use China Merchants Bank Cards
1. China Merchants Bank Express Centurion Platinum Card. This credit card is a good one and has a lot of benefits. The annual fee is 3,600 yuan per year, but in fact, the cardholder can get it back through the card benefits. Cardholders can enjoy the PriorityPass airport VIP lounge for free all year round. If the flight is delayed for 3 hours, the maximum compensation will be 4,000 yuan, and the delay will be 600 yuan for 3-5 hours. Credit card points can be redeemed for different miles at a ratio of 3:4, and can be redeemed for miles on Air China, China Eastern Airlines, China Southern Airlines, British Airways, Air France-KLM, and Malaysia Airlines. In addition, cardholders can also enjoy golf services, car rental discounts, free oral care, etc.
2. China Merchants Bank YOUNG youth version black card face. This card comes in two colors: black and white. The black card is more suitable for the appearance of the card, but the card benefits are almost the same. This card is China Merchants Bank’s entry-level card with a low threshold and is very suitable for users who have just entered the workforce to apply. Although there are not as many benefits as other cards, you can get points by signing in. Through points, you can participate in other credit card activities, and there are many activities where you can make money.
3. China Merchants Bank Diamond Credit Card. This card is more suitable for mothers and fathers with children, and its benefits are basically focused on children’s consumption. Cardholders can enjoy comprehensive benefits for children's economy class tickets on any domestic direct route 4 times a year (travel within 90 days), free access to airport VIP lounges throughout the year, and can bring a friend for free. If a flight is delayed, the compensation received varies depending on the delay time, up to 4,000 yuan. Cardholders also get free full oral fluoride treatment for children twice a year. 7,000 points can be redeemed for a free health checkup or two Chinese medicine consultations.