Some people say they can help me apply for a credit card from major banks. What does it mean to charge 20 points?

1. Through formal channels (bank official website, bank public WeChat account, bank Credit card clerks and outlets) will not charge any fees for applying for a credit card.

2. This person said that he charges 20 points based on the credit card limit. For example, if the quota is 10,000 yuan, this person will charge a handling fee of 20 yuan, which is 10,000*0.2=2,000 yuan in handling fees.

3. As long as you have good credit and a stable income, your application will generally be approved through formal channels. What does the periodic table of credit card limit increases of major banks mean?

Each bank has stipulated the minimum interval between two credit card limit increases. For example, the cycle of line x is 3 months. After you withdraw your quota this month, it will take at least 3 months to be eligible to apply. What are the advantages and disadvantages of major bank credit cards?

Comparison of credit cards from various banks

China Merchants Bank Credit Card

Advantages: The application threshold is extremely low, and the points are permanently valid;

The online banking function is powerful, It is easy to operate and supports Alipay;

There are often great-value group buying products, and there are many activities and tricks;

The card has good functions and is good in all aspects of financial management;

All cards combined into one bill (convenient for repayment);

There are many types of cards and beautiful designs

Disadvantages: The points policy is very inhumane (20 yuan points to one point, not counting zero) ;

The interest-free period is the shortest among all card issuers, the shortest is 18 days;

All cards are combined into one bill (not flexible);

The online payment limit is too high Low (500 yuan)

Summary: Suitable for those who value service more than points.

Customer service hotline: 800-820-5555 95555

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Bank of Communications Credit Card

Advantages: low application threshold, fast withdrawal;

56-day long interest-free period;

YP card allows 100% cash withdrawal;

Supports Alipay, with high online payment limit (10,000 yuan);

Disadvantages: Installment operation is cumbersome;

Each card needs to be repaid separately, and all will not be automatically counted The total consumption of the card; (very inhumane, very unreasonable, strongly despised, resolutely boycotted)

Points are not permanently valid;

Summary: If you often buy home appliances, " "Suning Card" is not bad, double Suning points.

Customer service hotline: 800-988-8888 95559

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Industrial and Commercial Bank of China Credit Card

Advantages: With more than 30,000 branches across the country, it is currently the bank with the most branches in China;

Supports Alipay and can have unlimited limits;

Local There is no handling fee for cash withdrawals (my favorite);

Different brands of international cards have independent limits;

Disadvantages: The application threshold is too high and the limit is too low;

Poor service attitude (especially branches)

Such a big bank does not have an 800 number, and the 400 number is not open to individual users;

Summary: Suitable for those who do not have local joint-stock commercial banks and regular Friends who like to withdraw cash through overdraft.

Customer service hotline: 95588

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China Construction Bank Credit Card

Advantages: Many network points;

Compared with the other three state-owned banks, the application threshold is lower;

The cash withdrawal fee is low (0.5%), and the overdraft cash withdrawal support has a minimum payment

Disadvantages: The limit is generally low and the limit increase is slow;

Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated;

Summary: Suitable for friends who do not have local joint-stock commercial banks.

Customer service hotline: 800-820-0588

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Bank of China Credit Card

Advantages: It started issuing cards in 1985 and is the earliest credit card issuer in China;

Get cash points for overdrafts;

Disadvantages: You have to go to a business outlet to cancel your account;

Low limit (common problem of state-owned banks);

800 is only for Great Wall International Card;

Alipay is not supported;

Overdraft withdrawal is not possible Supports minimum repayment;

Summary: Olympic cards are suitable for collection.

Customer service hotline: 400-669-5566 800-820-5288 (international card) 95566

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Agricultural Bank of China Credit Card

Advantages: many network points; convenient repayment, support for automatic deduction by agreement, 56-day long interest-free period; professional business travel services for credit card customers

Disadvantages: The application threshold is relatively high (but because of this, the value of Agricultural Bank of China credit card customers has been increased from another perspective)

Summary: Suitable for customers with superior card application conditions

Customer service hotline: 800-819-5599 95599

Customer business travel service hotline: 4008202580

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Shanghai Pudong Development Bank Credit Card

Advantages: The gold card can enjoy the special merchant services of "Citibank CITI BANK" overseas; photos can be printed;

Gifts are given at events Higher value;

Disadvantages: few outlets; high application threshold;

You need to spend a certain amount of money to be exempted from the annual fee (regular card spends 2,000 a year, gold card 5,000);

Overdraft withdrawal fees are high (3%, minimum 30 yuan)

Summary: I feel that each Pufa card has a fashionable appearance and is suitable for collection.

Customer service hotline: 800-820-8788 95528

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China Minsheng Bank Credit Card

Advantages: The value of points is high; installments do not account for the quota;

The gold card has a lawyer who provides good service; and business travel reservations (hotels and restaurants) are quite good;

ID cards are very personalized, but there is a card printing fee;

There is no handling fee for cash withdrawals;

Disadvantages: Few outlets;

Support Alipay, every No more than 1,000 times, no more than 5,000 per day;

Summary: Suitable for friends who value points. Applying for a gold card is very easy and convenient.

Customer service hotline: 95568 800-810-8008

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Industrial Bank Credit Card

Advantages: Supports "Tenpay" repayment; "Gold Card" can enjoy airport VIP lounge services;

Disadvantages: No 800 and 400 customer service; few outlets; discrimination against agricultural household registration and Male; does not support online shopping;

Summary: Suitable for friends who fly frequently and don’t want to pay the annual fee for a platinum card.

Customer service hotline: 95561

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Guangdong Development Bank Credit Card

Advantages: 100% credit card cash withdrawal is possible after half a year;

56-day long interest-free period; "Bangxiangxing" installment starting point is low (only 500 yuan);

There is 48-hour card loss protection;

Supports Alipay;

Disadvantages: There are no 800 and 400 numbers, and customer service hotlines are set up by branches in various places; few outlets;

Summary: Suitable for friends who like full cash withdrawal and low starting point installment.

Customer service hotline: 95508

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CITIC Bank Credit Card

Advantages: Easy to apply; 400 hotline;

The installment limit is relatively high (up to 5 times) and does not occupy the limit;

Supports Alipay; the operation and interface of online banking are very Simple and convenient

Disadvantages: few outlets; mediocre customer service attitude; don’t forget to repay, you owe 30 yuan at a time!

Summary: It is suitable for friends who need to cash out in installments, buy electrical appliances from Gome or Suning, and often travel abroad.

Customer service hotline: 40088-95558 95558

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Shenzhen Development Bank Credit Card

Advantages: Basically useless, there is a "Walmart Imagine Card" that I think is okay; international and domestic cards have separate credit limits;

Disadvantages: The credit limit is generally low; there are few outlets;

There is no 800 number; the Wal-Mart Imagine Card hotline at 400-688-6888 is relatively easy to reach;

Summary: Suitable for friends who often go to Wal-Mart for shopping.

Customer service hotline: 95501

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China Everbright Bank Credit Card

Advantages: You can waive the annual fee by swiping it 3 times; Fuka small card can be automatically divided into 12 installments (of course, a handling fee will be charged)

Disadvantages: No 800 number; 8 yuan will earn one point, and the points are currently It cannot be exchanged for gifts;

There are few outlets; people with many cards (more than 6 bank credit cards) are basically not approved;

Summary: Suitable for collection.

Customer service hotline: 95595

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I have been using the card for several years. Friends who want to apply for a card will talk about their personal feelings and some issues that they are more concerned about.

1. Interest-free period

Most cards on the market are free for about 50 days, with the longest being 56 days, except for the Great Wall RMB Gold Card issued by Bank of China Jiangsu Province, which only has 30 days. So generally you don’t have to worry too much about these few days. As for the banks that currently do not charge handling fees for cash withdrawals, they include: ICBC, Communications, and Minsheng. "Withdraw at the local ATM of our bank." The one with the best cash withdrawal limit is ICBC, and you can withdraw as much as you have. Other banks generally charge cash withdrawal fees ranging from 1 to 3 yuan, with the highest fee deducting 30 yuan for a single transaction, such as CITIC and Industrial Bank.

2. Quota

If you prepare all the information and the nature of the unit is good, the banks that generally give you a higher first-time quota include: Bank of Communications - the quota given is your monthly More than 3 times the income.

Guangfa --- it is more than 2 times, investment and monthly income are the same, CITIC is slightly lower than the monthly income, and Shenfa is 1.5 times. It should be noted that the first quota here refers to those around me Let’s analyze the card application situation of friends. Of course, there are exceptions. Maybe you are a celebrity and I will give you 50,000 yuan if you don’t want anything.

3. Repayment

Repayment from small banks is always not very convenient. At present, most small bank cards in Nanjing can repay across banks, but some charge a handling fee of 2 yuan per transaction. , Guangfa can cross many banks: Nanjing Commercial Bank, Minsheng Bank, Shenzhen Development Bank, etc., and there is no charge. But on the other hand, for example, if you go to Guangfa Bank of China Minsheng Bank, you will still be charged. It depends on how you think about it. Banks that are close to your home or work are best.

4. Points, gifts, etc.

The most demanding points for China Merchants Bank are 20 RMB to exchange for one point. Of course, its points are permanently valid. ICBC online shopping does not count as points. The best one among the points is probably Guangfa. You can redeem the points for free transactions, which is very affordable.

5. Credit card approval rate

We recommend Bank of China and ICBC to get approval quickly. The credit limit is generally not very high and the requirements are not many. Bank of China generally starts at 500-2000 and requires proof of employment. , ID card is enough, ICBC requires real estate certificate, large units do not need it, the limit is 5,000, Guangfa issued the card very early, and it is relatively easy to apply, usually 2 weeks, ordinary people are around 3,000 yuan/China Construction Bank has a provident fund. Yes, it is difficult for Agricultural Bank of China because there is no promotion. It is also easier to attract investment.

Group card application gt; individual card application, so it is recommended that everyone apply for a group card, generally 5 people are enough, and the limit is higher, such as Bank of Communications, China Merchants Bank, etc.

My personal favorite Credit card ICBC and China Guangfa Bank, please tell me the reasons

1. With an ICBC card, you can withdraw all of it when you need money urgently. My limit is 10,000, and I can withdraw all of it (not recommended, you have to pay interest), but there is no handling fee when withdrawing from ICBC ATMs. Repayment is convenient and there are many outlets. Moreover, ICBC online banking is safe, convenient and fast. A very good choice for those who shop online.

2. Guangfa’s benefit limit increases rapidly. As long as you have no bad card usage records, online banking is okay. The biggest feature: there is no limit of up to 2,000 yuan per day for cash withdrawals. You can go as long as your limit allows. When you come out, repayment is relatively convenient. My card has a limit of 2W for one year.

Cards I don’t like

It takes 48 hours for the repayment from Bank of Communications to arrive and the limit to be restored

Bank of China has strict risk control and wants to increase the limit quickly It’s very difficult, you need to get a 5W upgrade gold card.

CITIC-Industrial-Minsheng cannot be used online. Only the one provided by Minsheng has a larger quota, and the other two are very stingy. It’s also not convenient to pay back the money.

Credit card annual fee comparison list

Card name issuing bank annual fee (yuan)

Peony International Credit Card (dual currency) Industrial and Commercial Bank of China ordinary card: 100; Gold Card: 200

Peony Credit Card (RMB) Industrial and Commercial Bank of China Ordinary Card: 50; Gold Card: 100

Dragon Card Credit Card (Dual Currency) China Construction Bank Ordinary Card : 80; Gold Card: 160

Dragon Card Credit Card (RMB) China Construction Bank Ordinary Card: 60; Gold Card: 100

China Merchants Bank Credit Card (Dual Currency) China Merchants Bank Ordinary Card: 100; Gold Card: 200

Pacific Credit Card (RMB) Bank of Communications Ordinary Card: 80; Gold Card: 160

Guangdong Development Bank Credit Card (RMB) Guangdong Development Bank Ordinary card: 40; Gold card: 80

CITIC Industrial Bank Credit Card (dual currency) CITIC Industrial Bank Platinum Card: 2000; Gold card: 300; Ordinary card: 100

CITIC Industrial Bank Bank Credit Card (RMB) CITIC Industrial Bank Ordinary Card: 100; Gold Card: 200

Shenzhen Development Bank Development Credit Card (RMB) Shenzhen Development Bank Ordinary Card: 40; Gold Card: 80

It is good to use all banks for online shopping, but some small banks do not charge annual fees, and there are no handling fees for inter-bank transactions. You can consult the nearest bank. Big banks have handling fees. As far as I'm concerned, it's better to be close.

The credit cards of all banks are basically the same, nothing special.

However, only ICBC’s credit cards do not have full penalty interest, which is the biggest What do you mean by the 12-point charge when applying for a credit card?

Hello, according to your description, you should be charged some handling fees. If you really need to apply for a credit card, it is recommended that you go through formal channels. Generally, there is no additional fee for applying through our bank.

(If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Cards" Center" for consultation, thank you for your attention and support to China Merchants Bank!) What does 09/20 on the Everbright Bank Fuka Credit Card mean?

The 09/20 on the front of the Everbright Bank Fuka Credit Card indicates the number of the card Valid until September 2020. What does 18 points for a credit card mean?

The 18 points for a credit card loan means helping to apply for a credit card. After the credit card is successfully applied for, a fee of 18 points of the card limit will be charged. 18 The fee is relatively high. Individuals do not need to pay any fees when applying for a credit card at the bank. You can refer to the following procedures.

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The counter staff submits the application and information to the audit department;

The audit department checks the authenticity of the applicant's information and situation and whether it meets the application conditions;

Applicant After passing the audit, the card production department will produce the card, and the applicant will wait for the card to be mailed;

After receiving the card, the applicant can choose to activate it by SMS, phone call, bank counter activation, or online activation;

When using the card, pay attention to the repayment date and statement date.

Credit card application procedures:

Applicants can choose to apply online, contact a credit card salesperson to apply at home, or apply directly at the counter to apply for a credit card from the credit card bank;

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The staff of the credit card opening bank will conduct an audit and return the phone number in the application information to verify whether the application information is true. Misunderstandings in the information will directly lead to application failure;

After the applicant passes the credit card audit, You will receive a text message notification from the bank where you opened your account, just wait for the card to be mailed;

After receiving the card, apply for activation. You can activate according to the activation method in the envelope. Generally, there are manual activation by phone, SMS activation, counter activation, etc. The method can be decided according to your own convenience;

After activation, you can use the credit card normally, and pay attention to the monthly repayment date and repayment amount of the credit card. What does the ten-point charge for applying for a credit card mean?

It is recommended to apply for a credit card through the formal channels of the bank to avoid leakage of personal information and create risks. The formal channels of the bank will handle it for you for free. How to apply for credit cards from major banks in Foshan?

Ask him, I.3.5.8.5, call 6.O.5, call I.9.8, fast!! Apply. OK!!

.. ..It’s worth looking back; there is always some sweetness