Which CCB credit card is the best to apply for a high-quality credit card?
As one of the four major state-owned banks, China Construction Bank is relatively generous in credit card approval and offers many card types that are friendly to the people. Judging from the development trend in recent years, CCB even has the momentum to surpass ICBC, which is known as the "largest bank in the world". So as the most competitive bank in the Chinese market, which credit card is best to apply for from China Construction Bank? Here are two of them.
The best application is: Longka JOY Credit Card
Longka JOY Credit Card is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse card needs of young customers. . The application conditions are very simple, as long as you are over 18 years old, can provide proof of employment, and have a student card for students.
This card has a minimum repayment ratio of 5 for the first time, and the minimum repayment amount is no less than 200 yuan or 50 US dollars, which effectively alleviates the repayment pressure of young customers. With the "Hot Buy" logo on the back of the card, cardholders can also enjoy preferential discounts from thousands of merchants across the country in the fields of clothing, food, entertainment, travel, shopping, etc.; for 3 yuan per month, they can enjoy instant transaction SMS services and fraudulent transactions at home and abroad. All can enjoy compensation protection of up to 50,000 yuan.
Best application 2: eLong Changxing Dragon Card
This credit card co-branded with eLong Travel Network not only has the credit card functions of CCB Dragon Card, but also is the membership card of eLong.com. Therefore, when China Construction Bank examines users' qualifications to apply for a card, of course there are some factors involved in "looking at the Buddha rather than the monk's face". Of course, if you can prove in your card application materials that you often travel for business or tourism, then the card issuing bank will be even more embarrassed to embarrass its "prospective customers".
Call 400-666-2222 eLong Changxing Dragon Card VIP hotline to book international and domestic air tickets at preferential prices, as well as nearly 7,000 hotels in nearly 400 domestic cities and 80,000 hotels in more than 100 countries and regions overseas. Yujia star hotel. Book air tickets through eLong Travel.com and pay in full with the eLong Changxing Long Card. Gold cards will receive a bonus of 1 million yuan, and standard cards will receive a bonus of 500,000 yuan in aviation accident insurance, as well as flight delay insurance. For the first booking, gold card holders can receive an additional 2,000 eLong points, and regular card holders can receive an additional 1,000 eLong points.
What kind of credit card is better for China Construction Bank?
The credit cards generally issued by China Construction Bank are regular cards and gold cards. These two cards are credit cards with lower thresholds of China Construction Bank. It is relatively easy to apply. Generally, most first-time applications are for these two levels of cards. In fact, you can choose the card type according to your own needs, such as game cards, business cards, shopping cards, travel cards, car cards, etc. .
Types of credit card products
According to different card issuers, they can be divided into bank cards and non-bank cards
Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.
Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.
According to the different objects of issuance, it can be divided into corporate cards and personal cards
Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, groups and other legal entities.
Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.
According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards
Ordinary cards.
Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.
Gold Card. A gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.
According to different repayment methods, credit cards can be divided into credit cards and quasi-credit cards
Credit cards. When the card-issuing bank provides bank credit, it is first used as an overdraft, and then repaid or paid in installments. Most of these cards are used internationally. That is to say, the way that cardholders are allowed to pay off their credit card accounts without deposits is "spend first, deposit later". Most of these cards are used internationally.
Quasi credit card. It is a credit card issued by a bank that allows you to deposit money first and spend later. When applying for a credit card, cardholders need to deposit a certain amount of money in the card-issuing bank for backup. Cardholders need to use the deposit balance as a basis when using the card. Overdrafts are generally not allowed.
According to the different circulation scope of credit cards, they can be divided into international cards and regional cards
International cards. An international card is a credit card that can be used outside the country of issue and is accepted worldwide. The five major overseas groups (MasterCard, Visa International, American Express, JCB and Diners Club) issued MasterCard, VISACard, American ExpressCard and JCB respectively. (JCBCard) and DinersClubCard are mostly international cards.
Regional card. A regional card is a credit card that can only be used within the issuing country or within a certain region. Most of the various credit cards issued by commercial banks in my country are regional cards.
Which is better to apply for a China Construction Bank credit card for the first time? Take a look at these credit cards from the four major state-owned banks. They have low rates and strong stability. They are rarely blocked due to derating. It can be said that they are the credit cards that many people dream of. If you want to apply for a card from the four major banks, you can start with CCB. Although CCB’s threshold is relatively low, if you are applying for a card for the first time, you still need to be able to choose a card. Here are a few CCB cards that are suitable as first-time cards and are easier to apply for.
Which is better to apply for a China Construction Bank credit card for the first time?
1. Longka JOY Credit Card
CCB is an exclusive credit card for young customers under the age of 35. It has three versions: UnionPay version, VISA version and MasterCard version. It is a relatively easy one to apply for. Platinum card, if you have certain financial ability, you can apply for this card as the first card of CCB. The annual fee is 580 yuan/card, and the annual fee for supplementary cards is 300 yuan/card.
It can provide cardholders with preferential benefits such as a minimum repayment ratio as low as 5, UnionPay 1 cash rebate for overseas purchases, and 118 yuan cash rebate for spending over 200 yuan on the card. On December 31, 2020 When you apply for the card and activate it, you can receive a walnut radio from Elvis Presley's Little Prince.
2. Dragon Card Car Card
An exclusive credit card specially tailored for car owners by China Construction Bank. The annual fee for the main card is 200 yuan per card per year, and the supplementary card is halved. It can provide every 10,000 yuan. Longka Car Card points can be redeemed for 100 yuan in gas expenses, a weekly car wash discount of 15 yuan at designated car wash outlets, and exclusive rights such as free roadside assistance. If you are a car owner, it is your first time to apply for a CCB card. If you choose this card, the pass rate will be higher. .
It should be noted that the Dragon Card cannot be applied for online. Applicants need to bring a copy of their ID card, proof of income, proof of residence, copy of driving license, copy of insurance policy and other supporting materials to a CCB branch to fill out the application form. .
Which card is better to apply for a China Construction Bank credit card?
Relatively speaking, credit cards from commercial banks are easier to apply for than the four major domestic state-owned banks. Each bank's credit card has its own characteristics and card application procedures. Credit cards from China Merchants Bank, Bank of Communications, CITIC Bank, China Guangfa Bank and other banks are easier to apply for than the four major banks.
According to Article 7 of the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks": A credit card refers to a credit card that records cardholder account information, has bank credit lines and overdraft functions, and provides cardholders with relevant banking services. All types of media.
1. China Merchants Bank Credit Card
The best credit card to apply for from China Merchants Bank is the YOUNG card, a credit card product tailor-made for young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.
Everyone who has used CMB’s credit card knows that CMB’s service is very good, the best among all banks. Although CMB cannot apply for a card with a card, the efficiency of card placement and limit increase is still the same. Quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.
2. Bank of Communications Credit Card
What is often recommended is the Bank of Communications Y-power card, which has a cash withdrawal limit of up to 100. There is no annual fee in the first year, and you can swipe the card 6 times for free. The annual fee is very impressive.
The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently and supports insurance policies. The preferential activities of Ping An Bank's credit cards are not outstanding compared to those of China Merchants Bank and Shanghai Pudong Development Bank. However, Ping An Bank’s car owner card is very useful for car owners because it offers many discounts on gas.
4. CITIC Bank Credit Card
It is recommended to apply online, which is very efficient. Generally, you will receive an acceptance message from the bank within 24 hours. Verification of information is very simple, as long as a copy of the ID card is provided. But as for raising the quota, it’s very difficult.
CITIC's credit cards have some pretty impressive activities from time to time. In recent years, the "9 Points Redemption" activity has obviously gained a good reputation, but it has been criticized by everyone because of the adjustment of its strategy. However, I still recommend its i Platinum Card and JD Baitiao Card.
5. Guangfa Bank Credit Card
Guangfa is known as the Iron Rooster, mainly because it is difficult to increase the limit, but there are still many discounts. The best credit card to apply for from China Guangfa Bank is undoubtedly the Guangfa True Love Credit Card. As long as you are a female customer and can provide proof of stable income and personal information, there is no obstacle to applying for this card.
6. Everbright Bank Credit Card
It is relatively easy to apply for the card, and the credit limit is high. You can apply for a credit limit adjustment in half a year, and the limit is usually doubled at a time. The best thing is that there are many points activities, multiple points are often given out, and online transactions also count as points.
In fact, nowadays, as long as your credit qualifications are good enough, you can apply for a credit card at any bank, pay back in time, and use the card rationally, and your credit limit will gradually increase.
That’s it for the introduction of which credit card of China Construction Bank is the best to apply for.