China Merchants Bank credit card is better, which mainly has the following advantages:

1, fast card processing and high quota. (Jingxiang said card A) The maximum amount of credit card gold card can reach 50,000 yuan, and the annual fee is free in the first year. If the cardholder swipes the card for a specified number of times, the annual fee for the second year may be exempted. If the new household meets the standard, users can also get gifts, and credit card points can also be exchanged for Starbucks and video members.

There are many kinds of credit cards in China Merchants Bank. According to the consumption needs of different types of users, China Merchants Bank has launched various types of credit cards, including standard credit cards, high-end credit cards, featured theme credit cards and fashionable credit cards.

3. Provide 35% discount on food, 9 yuan movie viewing and 10 yuan storm;

4. Borrow cash in advance and take it with you everywhere. It also provides various services such as bill installment and e-loan installment;

5. Provide five-fold security.

What are the advantages of China Merchants Bank credit card?

Take the credit card of China Merchants Bank as an example, 1, the credit card mainly uses the bank's funds to spend in advance and enjoy the interest-free period. This is a financial management method. 2. Credit card is not a savings card, and the deposit in credit card will not settle interest. 3. Credit cards can be used as payment tools, and can be directly consumed through POS machines installed by merchants or online payment platforms. 4. The bank will also provide you with various forms of integral, discount, installment, lottery, promotion and other activities. Credit card is also the main international payment tool. You can shop conveniently on overseas and international websites. If you travel and stay in a hotel, only a credit card can complete the hotel pre-authorization for you.

Excuse me, China Merchants Bank's credit card?

At present, the credit cards with good reputation and credibility in the market are: China Merchants Bank Credit Card, Ping An Bank Credit Card, Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card and so on. These are all good choices. Of course, the specific amount of credit card depends on personal qualifications. Which bank's credit card is best not to generalize, as long as it is suitable for users themselves. Here are some bank credit cards:

1. ICBC: convenient repayment, high credit card limit, but strict application conditions.

2. Bank of China: Low credit card, less activity points and convenient repayment.

3. China Merchants Bank: The success rate of card handling is high, the amount is relatively high, there are many activities, and repayment is also very convenient. Powerful function, multi-card integration, high efficiency, high quality service, adjustable consumer credit limit at any time, powerful online banking, lifelong points system, the latest card loss protection plan. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good.

4. CITIC Bank: There are many preferential activities and great incentives, but the credit line is average. The interest-free period is as long as 56 days, SMS reminders are free, and consumption details can be queried by SMS.

5. China Everbright Bank: the success rate of card processing is high, the amount is high, the withdrawal is fast, and there are many points activities.

6. Guangfa Bank does not need to submit any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully online, the people in the card center will contact you for credit extension within 15 working days. Results GDB card has powerful functions, favorable points policy, many preferential activities, prompt SMS reminder, mature online payment, support for Taobao Yi Bei, and available points. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan a month. Credit card merchants are not as popular as the four major banks, and online banking is very simple.

7. HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. The disadvantage is that the credit line cannot be restored immediately after repayment, and the credit card pass rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent preferential activities are relatively rich. The validity period of points is not good for 2-4 years, but points can be exchanged.

I want to apply for a credit card. Can I use China Merchants Bank?

The credit card of China Merchants Bank is not bad, and the credit line is relatively high.

If you have never used a credit card before, you need to evaluate your personal credit to see if you have applied for a loan product. If you have a loan record, I suggest you apply for a credit card at a bank other than Zhongnong Engineering Construction, because these banks will be easier to apply for a card, and the credit card application threshold for Zhongnong Engineering Construction is higher. China Merchants Bank is a good choice. Credit card business accounts for a large proportion in China Merchants Bank, and China Merchants Bank also has many credit card welfare activities.

First, China Merchants Bank's credit card is not bad, which is more suitable for users without special needs.

In most cases, many users actually have no special needs when using credit cards, such as travel needs and overseas consumption needs. If you only use credit cards as a means of overdraft consumption, you can actually apply for a credit card from any bank, and China Merchants Bank is also a good choice. The credit line of China Merchants Bank is very good, and users can get at least 5,000 yuan.

Second, the credit card processing threshold of China Merchants Bank is relatively low.

To some extent, the credit card processing threshold of commercial banks is relatively low, including China Merchants Bank. As long as users' personal qualifications are not particularly poor, they can basically apply for a credit card from China Merchants Bank. As for how much credit line you can get, you can further submit materials that can prove your income level and let the bank think that you have strong repayment ability. Get a higher quota in this way.

Third, China Merchants Bank Credit Card will have many welfare activities.

One of the most impressive activities was the exchange of Starbucks. Whenever you use China Merchants Bank's credit card, you will get the same percentage of credit card points. China Merchants Bank credit card points are mainly used for daily consumption. You can exchange points for Starbucks drinks or household appliances. Generally speaking, CMB credit card is more suitable for users.

What are the advantages and disadvantages of China Merchants Bank's credit card?

Advantages:

1. The bid threshold is extremely low, and the points are permanently valid.

2. Online banking is powerful, easy to operate and supports Alipay.

3. There are often value-for-money group purchases and many activities.

4. The one-card function is good, and all aspects of financial management are also good.

5. All cards are combined into one bill (convenient for repayment)

6. There are many kinds of cards with exquisite design.

Disadvantages:

1. The integral policy is inhuman (20 yuan gets one point, not counting zero).

2. The interest-free period is the shortest among all issuers, with the shortest 18 days.

3. All cards are combined into one bill (inflexible)

4. The online payment limit is too low (500 yuan)

The basic functions of credit cards are the same, such as credit card consumption and online payment. China Merchants Bank will launch different offers and promotions for different credit cards from time to time. Because personal preferences and needs are different, you can choose according to your own preferences. It depends where the flowers are. If you need to spend money abroad, you can use a credit card with visa or master logo. If you only spend in China, you can apply for a UnionPay credit card. If you prefer credit card points and are young, you can choose to apply for a youth card (Youth Edition). This credit card has double points in the birthday month, and it is withdrawn for the first time every month, and there is no handling fee. If you travel frequently, you can choose to apply for an airline brand card or a Ctrip card. There will be a discount when flying. You can apply for a car card if you have a car. There are many of them. China Merchants Bank can basically meet the needs of all kinds of customers.

1. China Merchants Bank has successively launched innovative products such as fan cards, airline cards, department store cards, business cards, platinum cards and unlimited cards, which have been well received by the market. China Merchants Bank's credit cards have won numerous awards. On the list for five consecutive years.

2. Hurun Fortune has become the "favorite bank credit card" of China millionaires, and won many awards such as "Best User Experience Award" and "Cardholder's Favorite Credit Card" in various competitions, and won the "First Five-Star Customer Service Center in China", and was awarded "Best Customer Service in Asia-Pacific Region" and "Best Service Center in the World" by authoritative industry organizations at home and abroad for many times.

3. At the same time, with excellent credit card development and business strategy, it was successfully selected as "Harvard Business School MBA Teaching Case". The basic functions of credit cards are the same, including credit card consumption and online payment. We will launch different offers and promotions for different credit cards from time to time. Due to different personal preferences, I suggest you choose according to your own preferences.

What are the advantages and disadvantages of China Merchants Bank Credit Card?

Advantages:

With strong service and brand advantages, it has achieved high customer satisfaction. In the course of years of development, China Merchants Bank has always provided quality services and established a good brand image. But also do a lot of extended services, rainy days can provide free umbrellas for business customers, can pay traffic fines for customers. At the same time, we continue to develop personalized credit cards.

Disadvantages:

Pay too much attention to the number of cards issued and ignore the popularization of credit card knowledge. In order to promote the circulation of credit cards, China Merchants Bank has adopted various preferential measures and marketing strategies, but neglected the popularization of credit card knowledge for consumers and cardholders.

Extended data

1, gift exchange. Now most bank credit card points can be exchanged for related gifts. Of course, China Merchants Bank is no exception. Users can use China Merchants Bank credit card points to redeem gifts on China Merchants Bank credit card website.

2. Act as a change. Credit card points are actually a kind of cashback of consumption. The more money users spend, the more points they get. Therefore, China Merchants Bank credit card points can also be used as cash when swiping cards in stores.

3. Redeem air miles. If the user holds China Merchants Bank Platinum Card or American Express Card, credit card points can be redeemed for air miles. Let users reduce travel costs.