Which type of Everbright Bank credit card is better?

Ebright Sunshine Credit Card Gold Card, Everbright American Express Enjoy Card, Everbright Filial Heart Standard Platinum Card, Everbright Caesar Travel Platinum Card.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

What is the Everbright Bank Card?

The Everbright Bank Credit Card is launched by China UnionPay and China Everbright Bank. The card is a digital credit card with a virtual entity, allowing you to enjoy personalized rights and interests in diverse life scenarios. . This card is a platinum card, and you can enjoy the annual fee-free policy when swiping the card.

China Everbright Bank (CHINAEVERBRIGHTBANK, Everbright Bank) was established in August 1992. It is a national joint-stock commercial bank approved by the State Council and approved by the People's Bank of China. It is headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 2010 and on the Hong Kong Stock Exchange in December 2013.

As of the end of June 2021, China Everbright Bank has established 1,299 branches in the country, achieving full coverage of the domestic provincial administrative regional service network. The institutional outlets radiate to 149 economic center cities across the country. In 2021 China Everbright Bank ranks 32nd in the "Top 1000 Global Banks" list, and 25th in the 2021 "Top 500 Global Bank Brand Value Rankings".

As of July 6, 2011, the cumulative number of credit cards issued by China Everbright Bank exceeded 10 million, successfully ranking among the top players in the domestic credit card industry.

Ebright Bank’s credit card business was launched in 2004. It is one of the earliest joint-stock commercial banks in China to launch credit card business.

Since the issuance of the card, Everbright Bank Credit Card Center has adhered to the purpose of "customer-centered" and is rooted in traditional Chinese culture. By promoting product innovation and improving service quality, it has promoted brand management and achieved large-scale development, and finally established an individual Based on the comparative advantages of market segments, we have developed a unique credit card operation path and achieved impressive results in just 7 years.

In line with the core values ??of "gratitude, innovation, and win-win", China Everbright Bank Credit Card continues to innovate its business model and is the first in China to establish a scientific decision-making system based on data warehouse and with business intelligence as its core. Support system, using advanced data warehouse, data mining, OLAP (online analytical processing) and decision support technology, through customer value stratification, customer life cycle management plan, marketing activity management platform and other projects as well as various forecast models, to analyze customer transactions It is the first company to launch UnionPay Platinum Card, VISA Infinite Card and other products, the first mobile phone dynamic password verification method, and by improving value-added services, branch services, telephone services, repayment services and card use services, etc. Form a differentiated service system for Pujin card, titanium card, platinum card and unlimited card customers.

In 2010, the bank pioneered the first integrated deposit and loan card in the world, marking the birth of a truly integrated debit card and credit card product, creating a new concept, new model, and new standard. Credit cards with Chinese characteristics have achieved great success, once again leading the development of China's credit card industry.

What kind of credit cards does China Everbright Bank have? What are the advantages and disadvantages of various types of credit cards?

Types, advantages and disadvantages of Everbright credit cards:

1. Business and travel credit cards. This type of credit card is mainly issued by the unit, which can help the unit improve the management of travel expenses and facilitate employees to reimburse business trip expenses. At the same time, the unit can also provide cardholders with a higher consumption limit guarantee. This type of credit card also generally features lifetime annual fee exemption, free aviation accident insurance, and 48-hour card loss protection.

2. Sports credit card. This type of credit card is sports-themed, and its main function is to provide the convenience of purchasing tickets for certain sports events, or to play sports at cooperative venues at preferential prices. The sports-themed credit card has no special functions. Its main features are the novel card surface and vertical design. It uses the Chinese calligraphy "Dreams Come True" as the main pattern, reflecting the humanistic concept of "Chinese people run the Olympics". The main function of VISA Olympic-themed credit card is to facilitate the purchase of Olympic tickets.

3. Charitable credit cards. This type of credit card is usually themed around a charity event. China Everbright Bank will make donations to the charity event based on the cardholder's card application or card consumption. The characteristic of the Mother's Water Cellar-Love Credit Card is that Everbright Bank will donate one thousandth of the card consumption to the "Love of the Earth: Mother's Water Cellar" public welfare activity.

4. Car/gas credit card. China Everbright Bank does not issue a true car/gas credit card. The Everbright/Wanxing co-branded credit card is only issued in Shanghai and can be used as a membership card of Shanghai Wanxing Automobile Company to enjoy car sales, insurance and other services provided by the company. The Everbright/Anbang Club co-branded credit card can be used as a membership card of Anbang Club to enjoy preferential services such as car purchase installments, rescue, car insurance, car repair, beauty, modification and other preferential services.

5. Credit cards for shopping and consumption. There are many such credit cards. They are generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can be used as the membership card of the co-branded party to enjoy discounts on shopping purchases. Qingdao Sunshine Food Credit Card can enjoy discounts at more than 400 catering and entertainment merchants in Qingdao.

6. Standard credit card. Sunshine Credit Card is a standard credit card issued by Everbright Bank. In addition to the basic functions of a credit card, it has also jointly developed a business travel service function with Ctrip.com. You can book travel products (air tickets, hotels, etc.) at preferential prices, and you can earn double points by swiping the card for purchases.

That’s it for the introduction of what Everbright Bank’s credit card is called.