China Industrial and Commercial Bank opened the mobile APP with ICBC credit card on Thursday. Are you hungry? You can enjoy 8: 50 discount when ordering food, and you can also draw a red envelope of 888 yuan.
Afraid of being rejected when applying for a credit card? Choose these three cards for the first card. 1 Pick up the card. The quota is gratifying.
It is easy to understand that many card friends often hesitate to choose a card for the first time. After all, the success rate of the first card is generally low. If you don't choose a card, once it is rejected, it will take at least 3 months to apply for a card in the same bank. If the card is issued but the amount is low, it will be uncomfortable to get it.
In order to help you get rid of your card smoothly, I will introduce three credit cards that are relatively easy to get rid of and have a high amount. Friends who apply for a card for the first time can refer to it.
The first card is naturally the exclusive card for YOUNG people-China Merchants Bank Young card.
Friends who know something about this kind of credit card know that it is very suitable for young people under the age of 30 and is the best choice for many people to apply for the first card. Generally, with a college degree or above, you can easily cope with a stable job, especially for newly graduated college students. Generally, it is not a big problem to apply for a card in the unit for three months.
The advantage of this card is that the amount is high, basically starting from 1 10,000 yuan, and the worst is 5,000 yuan. In addition, 65,438+000% cash can be withdrawn, and cash can be withdrawn every natural month without handling fee. For young people living and working in big cities, this kind of card can generally solve the problem of shortage of funds and reduce the burden on themselves and their families.
The second card is also a youth card-Bank of Communications Y-POWER card.
This card and the first card have always been called the most suitable credit card for young people, and the application threshold is low, which is Xiaobai's favorite. The initial amount is generally above 1 ten thousand yuan. Of course, if you are unlucky, you may get a card of 5000 yuan, and you can also withdraw it at 100%. Regardless of the amount, the handling fee for each withdrawal is 5 yuan.
This card is introduced because the credit card activities of Bank of Communications are the most practical and closely related to life. For example, on the fifth day of the hottest holiday, you can refund your card payment by swiping it at the supermarket. However, the disadvantage is that the Bank of Communications has strict risk control, and it is a bit unbearable to reduce the amount of cards at every turn.
The third is a female credit card-Minsheng Women's Flower Credit Card.
Although this card was listed on 20 16, its popularity has not diminished. It is one of the first choice cards for many women, and it is very favorable for female friends. Generally speaking, as long as the job is stable and the income is more than 3000 yuan, it is no problem to get a gold card. Needless to say, Minsheng Bank has always been generous in terms of quota, and the first card1100,000 is rare.
The advantage of Minsheng Women's Flower Credit Card is that every Thursday is the special consumption day of "Women's Flower Card", and all consumers who can accumulate points on that day enjoy double points exclusively; If you swipe your card to buy a plane ticket, you will get a high aviation accident insurance. The insurance coverage of the same level card is the highest in the industry, reaching a maximum of 6.5438+million yuan. High security is also beneficial to accompanying spouses and children.
Summary: All the above three credit cards can be applied online. Here, it is recommended to apply on Alipay, and the amount of authorized sesame cards is faster. Generally, the results will be available on the same day, but online applications may need to be signed at the counter to be activated. As long as you bring your ID card, it is still easy to answer the questions of the staff according to the information filled in when you apply for the card.
Which bank membership day is Thursday?
Ping An Bank.
Ping An Bank. Every Monday to Thursday, Ping An credit card holders buy movie tickets on WeChat for over 10. 1 yuan maximum reduction 10 yuan. Ping An's designated credit card holders can enjoy 8.8% discount if they spend over 2,000 yuan in points in the month and refuel at the designated gas station. New customers who apply for the designated credit card for the first time can participate in the activity without spending in the current month, and can continue to participate in the activity after spending more than 2000 yuan per month.
I returned my expired credit card on Thursday. Can I renew it on Friday night 12?
Update. Overdue credit cards will be returned on Thursday, and can be renewed on Friday night 12. After the credit card is paid off, the credit will be renewed the next day. The data of credit investigation are all reported by banks or financial institutions.
Can the credit card swiped at 6 pm on Thursday arrive on Friday?
The credit card swiped at 6 o'clock on Thursday night will arrive on Friday, and the credit card will generally arrive within 24 hours.
The strength of the game with the national policy in the process of reducing the card handling fee;
First of all, UnionPay. According to the regulations of UnionPay, all settlement fees for bank card swiping are borne by merchants. Different industries have different charging standards. Interest rates range from 0.5% to 4%. Generally speaking, the credit card handling fee rate is 2% in catering industry, 0.8% in retail industry and 0.5% in supermarkets. It is known that Quanjude, a listed company, spent 6.28 million yuan on financial expenses in the first half of this year. Department store giant Wangfujing spent more than 50 million yuan on financial expenses in the first half of the year.
If the card processing fee is lowered by 40%, you can imagine how much the loss of UnionPay is. On the other hand, how much new consumer demand will be brought about by the reduction of credit card fees? Perhaps with the increase of transaction volume, UnionPay will make a profit rather than a loss. However, UnionPay is obviously unwilling to take this risk and is unwilling to reduce the handling fee.
Second, banks. The reduction of credit card fee rate will greatly reduce the commission income of banks. Especially the credit card business of banks. Although the national policy is that banks serve the real economy, banks make huge profits and real liabilities lose money. The whole situation is more like the real economy serving banks. Giving up the credit card fee will not have much impact on profits, but bankers will obviously not be happy.
Finally, third-party payment institutions. Most third-party organizations provide equipment maintenance for acquiring banks, and the handling fee is 7:2: 1. The payment institution is divided into two parts: the acquiring institution. If the overall handling fee is reduced, the income of third-party institutions will also be reduced. Obviously, lowering credit card fees will affect their profits.
The reduction of credit card fees is not only a simple policy, but also the result of the game between the retrogressive forces of banks and the progressive forces of the country. Of course, the contradictions between the two sides are not irreconcilable. When consumers spend a lot because of the reduction of fees, the total profits of these institutions may make up for the loss of fees reduced due to the increase of total amount, and even gain more profits. Only in this way can we achieve a win-win situation and benefit the people.
That's enough to introduce credit cards on Thursday.