Which bank credit card is better?

Agricultural Bank of China Credit Card, Industrial and Commercial Bank of China Credit Card, Bank of Communications Credit Card, China Construction Bank Credit Card, and Shanghai Pudong Development Bank Credit Card are all credit cards with good reputations.

1. Agricultural Bank of China Credit Card:

Agricultural Bank of China Credit Card takes innovation as its main line and successively launches standard series cards, official business card series, platinum cards and various regional cards according to different customer groups. A series of products such as co-branded cards and specialty cards meet the needs of different customer groups.

In addition to providing a series of thoughtful features such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of losing the card, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. Serve. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.

2. ICBC Credit Card:

ICBC Credit Card is the credit card with the highest circulation in China. The main types of ICBC Credit Card include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card. ; According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit grade, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which Personal cards are divided into primary cards and secondary cards.

3. Bank of Communications Credit Card:

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its users are positioned as a group of people who are interested in life and career. Ideals, pursuits, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.

Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing HSBC's advanced technology and management. It brings together the dual advantages of global and local, takes the Chinese global card as its theme, and advocates a new consumer culture and card-using experience. , providing preferential treatment and considerate services all over the world.

4. China Construction Bank Credit Card:

China Construction Bank Longka Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and Convenient payment experience. There are more than 100 credit card products in multiple series such as Dragon Card Family Love Card, Global Popular Card, Tencent Game Card, etc.;

Meet customers’ various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.

5. Shanghai Pudong Development Bank Credit Card:

Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Pufa Meng Card allows consumers to choose products and rights. Customers customize cards according to their needs, including selecting card material, card surface pattern, exclusive rights, and card organization. The bank then makes a credit card based on the customized information.

Which bank is better for applying for a credit card

Each bank’s credit card has its own characteristics:

1. Ping An Bank: First compare the thresholds for applying for a credit card The bank with the lowest score is Ping An Bank. The reason why Ping An Bank can approve many credit cards that other banks cannot is because Ping An’s big data is relatively powerful. In addition, Ping An Bank’s credit cards often have larger credit limits than other banks’ credit cards, so it is better for other banks. If your bank application for a credit card has not been approved or if you want to get more credit lines, you can try to apply for a Ping An Bank credit card;

2. Bank of Communications: One feature of Bank of Communications’ credit card is that it offers great benefits The credit limit granted is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to apply for it;

3. China Merchants Bank: A major feature of China Merchants Bank’s credit cards is that there are many activities and the activities last for a long time. For example, half-price on Wednesdays, the annual Ten-Yuan Storm, irregular cash withdrawals and points bonuses, and other activities. You don’t need to brush points every day. You can just participate in activities and brush points when there are events.

In addition, the credit card application rate is relatively high now. Credit cards that are more suitable for novices include China Merchants Bank’s Young Card, CITIC’s i Platinum, GF’s DIY Card, Bank of Communications’ Wal-Mart Card, etc.

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Which bank has the best credit card? These four banks are worth applying for!

More than half of 2019, the competition among major banks has not stopped. As a user, the most important thing is to choose the most cost-effective and worthy credit card. Today we have taken stock of several banks worth applying for. Credit card, I hope everyone can choose freely according to their own needs.

1. Industrial and Commercial Bank of China

As a big player in the financial industry, whether it is investment and financial management or loans and credit cards, the gold content is very high, and the application threshold is also relatively high. ICBC is very popular in personal loans. Risk control is more conservative. Credit card limits are generally not high, but if you continue to swipe the card, the limit will be increased very quickly. In addition, ICBC has a large number of corporate accounts. I believe many people choose ICBC because their salary cards are also in ICBC, so repayment is more convenient. .

2. China Construction Bank

China Construction Bank was the first to develop co-branded credit cards in China, and its business level is also good. For example, the love credit card in cooperation with the Red Cross provides no annual fee for consumption and donations. In addition, the China Construction Bank Automobile Co-branded Card offers discounts on car washes and refueling, and its outlets are widely distributed. The entry-level Platinum Card is free of annual fees and is relatively simple.

3. China Merchants Bank

Nowadays, almost everyone has a China Merchants Bank credit card. China Merchants Bank’s services including telephone, APP, and WeChat are relatively good, and the overall style of the credit card is relatively youthful and suitable for overseas consumption. It is more convenient. There are many types of co-branded cards and they are updated quickly. The main discounts include 50% off movie viewing, half-price food on Wednesdays, redemption of series points, etc., which is suitable for office workers who have just graduated.

4. China CITIC Bank

The deposit limit is very high, and the limit is raised very quickly. It seems that the limit is free, and it can be easily increased from a few thousand yuan to more than ten thousand yuan. It also has many types of credit cards, such as CITIC Little White Card, CITIC Yan Card Series, etc. There are also many online shopping discounts, including the famous 9-point discount.

Which bank’s credit card is better?

The better credit cards include China Merchants Bank Credit Card, Bank of Communications Credit Card, Industrial and Commercial Bank of China Credit Card, China Construction Bank Credit Card, and Bank of China Credit Card.

1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many types of cards and beautiful designs, but also has a low application threshold, points are permanently valid, and repayment is convenient. However, this credit card earns one point for 20 yuan, not counting zero. The points policy is very inhumane, and the interest-free period is 18 days. The shortest of all card issuers. You can call customer service hotline: 800-820-5555, 95555 for detailed inquiries.

2. "Bank of Communications Credit Card": suitable for friends who often buy home appliances ("Suning Card" can enjoy double Suning points). The credit card application threshold is low, the limit is increased quickly, and it has a 56-day long interest-free period. You can withdraw cash 100% using the YP card. However, the installment operation of this credit card is cumbersome, the points are not permanently valid, and the total consumption of all cards will not be automatically calculated. Separate repayments are required. You can call customer service hotline: 800-988-8888, 95559 for detailed inquiries.

3. "ICBC Credit Card": It is suitable for friends who do not have joint-stock commercial banks in the local area and who often like to overdraft and withdraw cash. This credit card is currently the bank with the most branches in China. It has unlimited limits and no handling fees for local cash withdrawals. International cards of different brands have independent limits. However, not only is the application threshold high, but the service attitude of the branch is extremely poor, and there is no 800 number. The 400 pages are not open to individual users. You can call customer service hotline: 95588 for detailed inquiries.

4. "China Construction Bank Credit Card": suitable for friends who do not have a local joint-stock commercial bank. Compared with the other three state-owned banks, this credit card has a lower application threshold and supports minimum repayment for overdraft cash withdrawals. However, the credit card limit is generally low and the limit increase is slow. The total consumption of the card is not automatically calculated and needs to be repaid separately.

You can call customer service hotline: 800-820-0588 for detailed inquiries.

5. "Bank of China Credit Card": applicable to Olympic card collection. This credit card is the earliest credit card issuer in China. Points can be calculated for overdraft cash withdrawals. However, you have to go to a business outlet to cancel your account. Alipay is not supported. 800 is only for Great Wall International cards. Minimum repayment is not supported for overdraft cash withdrawals. You can call the customer service hotline: 400-669-5566, 800-820-5288 (international card), 95566 for detailed inquiries.

Notes on selection:

1. Choose the right card issuer

The first step in choosing a credit card is to choose the right credit card issuer. Some credit card issuers There are many promotions, and it is easy to apply for and issue credit cards. Some credit card issuers do the exact opposite.

2. It is more convenient to apply for a card cancellation

It is best to apply for a credit card issuing bank that has a credit card branch in the city where your usual residence address is, so that applying for a credit card and handling a credit card are easier. convenient. Otherwise, it is easy to apply for a credit card, but it will be more troublesome to cancel the credit card.

Which bank has the best credit card?

China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China have good credit cards. There are a lot of card holders, so they are popular among credit card users. They have many discounts, professional services, quick credit limit increases, and points. The following introduces the characteristics of these bank credit cards:

1. China Merchants Bank

The country's first permanent points validity system, international 24-hour road rescue service, etc. have gradually become domestic credit cards Industry service standards. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption.

2. Guangfa Bank

Guangfa Bank Credit Card is the first standard credit card in China. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. The credit limit can be used for overdraft consumption and cash withdrawal transactions.

At the same time, Guangfa Bank Credit Card has issued a commercial card. This kind of commercial card can be applied in some large consumption places, hotels, etc., and will enjoy certain preferential quotas in some hotel services and reservation services. .

3. China Construction Bank

China Construction Bank Longka Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient Payment experience.

4. Industrial and Commercial Bank of China

ICBC takes an unusual approach in credit card approval. It does not use the data of the credit center. The approval is based on its own system star standards. If you have a debit card at ICBC, you may The chances of your card application being approved will be much greater. But if you don’t have an ICBC savings card, it will be difficult to apply for the card and raise the limit. There is no handling fee for cash withdrawals, the amount can be withdrawn quickly, the interest-free period is up to 56 days, and no interest will be charged on the part that has been repaid when the repayment is not in full.

Disadvantages: The credit limit is low, the discounts are not strong, and the points are small. You need to download the app to accept credit card information, otherwise you have to pay to subscribe to text message reminders.

5. Agricultural Bank of China

In addition to providing temporary limit increase at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency Assistance, multiple repayment methods and a series of considerate services. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.

Extended information:

Key points for applying for a credit card:

Purpose, application threshold, benefits, limit currency, installment interest, interest-free period, etc. Think about it comprehensively and finally choose a credit card that suits you.

Benefits enjoyed

Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free transaction fees, high aviation accident insurance, and free annual fees. etc.

In addition to these basic rights and interests, it also depends on the number of local preferential activities and whether the points are valuable

Applying a local bank

Cards with many local activities: There are a lot of factors involved in applying for a credit card The reason is to enjoy the activity. Cards with many local banks will naturally have more activities. So be sure not to apply for a credit card from a local bank, otherwise you will basically miss out on the event.

Points Value

To determine the value of credit card points, you only need to compare the goods and services that the points can be redeemed for. For example, if you often travel by plane and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming airline miles and hotel stays, but each card may redeem different airlines and hotels, so as long as the points can be redeemed The services you need to use frequently are the ones with the highest points value.

Baidu Encyclopedia - Agricultural Bank of China Credit Card

Baidu Encyclopedia - Industrial and Commercial Bank of China Credit Card

Baidu Encyclopedia - China Merchants Bank Credit Card

Which bank is it from? Is a credit card better?

Credit cards with good reputations and creditworthiness currently on the market include: China Merchants Bank Credit Card, Ping An Bank Credit Card, China Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card, etc. They are all good choices. Of course, credit cards The specific amount depends on individual qualifications. It is impossible to generalize which bank's credit card is the best, as long as it suits the user himself, it is the best. The following is the situation of some bank credit cards:

1. Industrial and Commercial Bank of China: Easy repayment, high credit limit, but the application conditions are strict.

2. Bank of China: The credit limit is low, the activity points are relatively few, and repayment is convenient.

3. China Merchants Bank: The success rate of card application is high, the credit limit is relatively high and there are many activities, and repayment is also very convenient. It has powerful functions, many types of cards, high efficiency, high-quality services, you can adjust the consumer credit limit at any time, powerful online banking, lifetime points system, and the latest card loss protection plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good.

4. China CITIC Bank: There are many discounts and strong discounts, but the credit limit is average. The interest-free period is up to 56 days, text message reminders are free, and consumption details can be checked via mobile text messages.

5. China Everbright Bank: It has a high success rate in applying for a card, a higher limit and a faster limit increase, and many points activities.

6. Guangfa Bank, no need to submit any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, someone at the card center will contact you within 15 working days to check your credit. The result is that Guangfa Card has relatively powerful functions, a very favorable points policy, many discounts, timely text message reminders, and online payment. It is relatively mature and supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary.

7. HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent promotions are generous. The points are valid for 2-4 years, which is not very good, but the points can be exchanged.

This is the end of the introduction about which banks are good for credit cards and which banks are good for credit cards. I wonder if you have found the information you need?