which kind of credit card is better

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

1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many kinds of cards and beautiful designs, but also has low application threshold, permanent and effective points and convenient repayment. However, the credit card has a 2 yuan of one point, regardless of zero, and the points policy is very inhuman, with an interest-free period of 18 days, which is the shortest among all card issuers. You can call customer service at 8-82-5555 and 95555 for detailed inquiry.

2. "Bank of Communications Credit Card": suitable for friends who often buy household appliances (Suning Card can enjoy double Suning points). The credit card has a low application threshold, fast withdrawal, and an ultra-long interest-free period of 56 days. You can withdraw 1% with YP card, but the credit card is cumbersome to operate in stages, and the points are not permanently valid. It will not automatically count the total consumption of all cards, so you need to repay them separately. You can call customer service at 8-988-8888 and 95559 for detailed inquiry.

3. "China Industrial and Commercial Bank Credit Card": it is suitable for friends who have no local joint-stock commercial banks and often like to withdraw cash by overdraft. At present, this credit card is the bank with the largest number of outlets in China, which can be unlimited, and there is no handling fee for withdrawing cash locally. Different brands of international cards have independent quotas. However, this credit card not only has a high application threshold, but also has a poor service attitude of branches. There are no 8 telephones, and 4 pages are not open to individual users. You can call customer service at 95588 for detailed inquiry.

4. "China Construction Bank Credit Card": it is suitable for friends who do not have joint-stock commercial banks locally. Compared with the other three state-owned banks, this credit card has a lower application threshold, and the minimum repayment is supported by overdraft withdrawal. However, the credit card is generally low in amount and slow in withdrawal, so it will not automatically count the total consumption of all the cards and needs to be repaid separately. You can call customer service at 8-82-588 for detailed inquiry.

5. "China Bank Credit Card": It is applicable to the collection of Olympic cards. This credit card is the earliest credit card issuer in China, and it can be counted as points for overdraft withdrawal. However, the account cancellation of this credit card has to go to the business outlets, and Alipay is not supported. Only 8 credit cards are used for Great Wall International, and overdraft withdrawal does not support the minimum repayment. You can call customer service telephone numbers: 4-669-5566, 8-82-5288 (international card) and 95566 for detailed inquiry.

Note on selection:

1. Choose a suitable card issuer

The first step in credit card selection is to choose a suitable card issuer. Some credit card issuers have many preferential activities, so it is easy to apply for a credit card and issue a card. And some credit card issuers are just the opposite.

2. It's more convenient to apply for card cancellation

For the credit card issuing bank, it's better to have a credit card outlet in the city where you often live, so it's more convenient to apply for and apply for a credit card. Otherwise, it is easy to apply for a credit card, and it is more troublesome to cancel it.

which bank has a good credit card?

China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank have good credit cards. There are a large number of card holders, which are welcomed by credit card users. They are all with many discounts, professional service, quick withdrawal and points. The following are the characteristics of these bank credit cards:

1. China Merchants Bank

The first nationwide credit card system and international 24-hour road rescue service have gradually become the service standards of the domestic credit card industry. In terms of product and service innovation, China Merchants Bank has created more than 1 new products and services with credit cards, persisted in promoting cross-industry cooperation mode, and 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 credit line of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

At the same time, Guangfa Bank issued a business card with credit card, which can be used in some large consumption places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.

3. Construction Bank

China Construction Bank Longka Credit Card is a credit card brand with 9 million customers. It adheres to the customer-centric concept and provides customers with professional financial services and convenient payment experience.

4. ICBC

ICBC's credit card approval does not follow the usual path, and it does not use the data of the credit center. The approval is based on its own system star standard. If you have a savings card in ICBC, the chances of applying for a card will be much greater. However, if there is no ICBC savings card, it is more difficult to apply for the card and withdraw the amount. There is no handling fee for cash withdrawal, the withdrawal is quick, the interest-free period is up to 56 days, and interest is not charged for the part that has been repaid when it is not fully repaid.

Disadvantages: the credit card is low, the discount is not strong, and the points are small. You can only accept credit card information when you download the app, otherwise you will have to pay for SMS reminders.

5. The Agricultural Bank of China

provides a series of intimate services, such as raising the temporary quota at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely notification by SMS, choice of consumption password, emergency assistance and various repayment methods. Combine the advantages of outlets, networks and products all over urban and rural areas to form a powerful functional advantage.

Extended information:

Key points of applying for a credit card:

Take comprehensive consideration of the use, application threshold, rights and interests, amount currency, installment interest and interest-free period, and finally choose a credit card that suits you.

Benefits

Credit card benefits are directly related to your actual interests. Common benefits include free handling fee for cash withdrawal, free handling fee for foreign currency transactions, high aviation accident insurance, free annual fee, and so on. In addition to these basic rights and interests, it depends on the number of local preferential activities and the value of points.

Run a local bank

Cards with many local activities: A large part of the reason for running a credit card is to enjoy the activities. The more cards there are in local banks, the more activities there are. So don't get a credit card without a local bank, otherwise it's basically equivalent to missing the event.

point value

the point value of a credit card is only determined by comparing the goods and services that can be exchanged for the points. For example, if you often travel by plane and stay in a hotel, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming air miles and staying in hotels, but each card may be redeemed by different airlines and hotels, so as long as the points can be redeemed for the services you often need, the points are of high value.

Baidu Encyclopedia-Agricultural Bank Credit Card

Baidu Encyclopedia-Industrial and Commercial Bank Credit Card

Which of the five major banks has the best credit card

ICBC Credit Card, China Bank Credit Card, China Construction Bank Credit Card, Agricultural Bank Credit Card and Bank of Communications Credit Card

The introduction is as follows:

1. China Bank Credit Card

China. No need to prepay. You can spend easily at home and abroad with your card within the limit and enjoy an interest-free loan for up to 5 days. China Bank's overseas branches are located in 2 countries and regions around the world.

China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence documents and financial documents.

2. ICBC Credit Card

China ICBC Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: 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 rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business cards and personal cards, and personal cards are divided into main cards and auxiliary cards.

3. CCB Credit Card

CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "long cards", including prestigious cards, business cards and automobile cards.

4. Bank of Communications Credit Card

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to fight for their lives and careers." Sometimes some people need to study, do business, study or travel abroad.

Bank of Communications credit cards are also a group of people with high living standards, and they are willing to try new consumption habits. " Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications on the basis of introducing advanced technology and management from HSBC. It combines global and local advantages, takes "China Global Card" as its main purpose, advocates new consumer culture and card experience, and provides preferential and caring services on a global scale.

5. Agricultural Bank Credit Card

Jinsui Credit Card is based on creating a new life experience for cardholders and is committed to becoming the most trusted credit card brand for cardholders. With innovation as the main line, Jinsui Credit Card has successively launched a series of products such as standard cards, business cards, platinum cards, various regional co-branded cards and special cards according to different customer groups, leading the needs of different customer groups.

in addition to providing a series of intimate services, such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero card loss risk, timely notification by SMS, choice of consumption password, emergency assistance, and various repayment methods, it also combines the advantages of outlets, networks and other products all over urban and rural areas, forming a powerful functional advantage.

Baidu Encyclopedia-China Bank Credit Card Center

Baidu Encyclopedia-Agricultural Bank Credit Card

Baidu Encyclopedia-Industrial and Commercial Bank Credit Card Baidu Encyclopedia-China Construction Bank Credit Card

Which bank credit card is better?

agricultural bank credit card, industrial and commercial bank 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 reputation.

1. Credit card of Agricultural Bank:

Agricultural credit card takes innovation as the main line. According to different customer groups, it has successively launched a series of products, such as standard series cards, business cards, platinum cards, various regional co-branded cards and special cards, to lead the needs of different customer groups.

In addition to providing a series of intimate services such as raising the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, prompt notification by SMS, choice of consumption password, emergency assistance and various repayment methods. Combine the advantages of outlets, networks and products all over urban and rural areas to form a powerful functional advantage.

2. ICBC credit card:

ICBC credit card is the most widely distributed credit card in China. The main types of ICBC credit cards are: 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 American Express Card; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary 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 a group of people who have ideals and pursuits in life and career, know how to enjoy themselves, are more willing to struggle, and sometimes have the need to study, do business, investigate or travel abroad.

Bank of Communications credit cards are also a group of people who have a high standard of living and are willing to try new consumption habits. Pacific Credit Card of Bank of Communications is a credit card product created by Bank of Communications with the introduction of advanced technology and management from HSBC. It combines the advantages of both the global and the local, advocates a brand-new consumption culture and card experience with the theme of China people's global card, and provides preferential treatment and intimate service all over the world.

4. CCB Credit Card:

China Construction Bank Longka Credit Card is a credit card brand with 9 million customers. It adheres to the customer-centric concept and provides customers with professional financial services and convenient payment experience. Longka Family Love Card, Global Hot Purchase Card, Tencent Game Card and other series of more than 1 kinds of credit card products;

meet customers' domestic and overseas transactions, family care, installment financing and other consumer needs. Special offers such as Dragon Card Saturday and consumption abroad Cash Back, as well as a variety of phased products, help customers manage their money easily and spend wisely.

5. Shanghai Pudong Development Bank Credit Card:

Shanghai Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank, which enjoys a variety of benefits and can also handle photo cards for free. Pufa Dream Card allows consumers to choose products and rights. Customers customize cards according to their needs, including four aspects: card material selection, card surface pattern, exclusive rights and interests, and card organization. Banks then make credit cards according to the customized information.

what credit card is good? Recommend a good credit card.

I think these credit cards are more affordable and easy to use.

1. CITIC Taobao Card:

Taobao credit cards generally do not enjoy points in online transactions, but cardholders spend tens of thousands of dollars by swiping their cards through Taobao, so it is a bit wasteful to have no points. Many card friends strongly recommend this CITIC Bank Taobao co-branded card, which can also accumulate points when paying with Alipay. Generally, the online transaction score of CITIC Taobao Card is 1 point in 1 yuan, and each consumption is more than 2, yuan, and that of 1 yuan is 2 points. The quick payment score with Alipay can reach 3 to 1 times.

2. Bank of Communications standard credit card:

One point can be accumulated for every 1 yuan spent offline by Bank of Communications credit card. According to the latest news, the standard card of Bank of Communications now has points for online consumption, and it also enjoys ten times points in the month when it is full of five pens in consumption abroad. This card also has the most popular catering activities on Friday, and you can enjoy a maximum discount of 5%. The credit card points of Bank of Communications can also be used to charge phone bills and pay living expenses.

3. Standard Credit Card of China Merchants Bank:

The standard credit card of China Merchants Bank has always been nicknamed "virgin card" by netizens, and its circulation ranks first in the country, with a relatively low bid threshold. The standard card of China Merchants Bank has many consumption concessions. For example, there are half-price discounts on Tuesday, 5% off movie viewing, half-price food on Wednesday, and points redemption activities. You can redeem quality packages at Starbucks, KFC and other places.

Extended information:

A credit card, also called a debit card, is a credit certificate issued by a commercial bank or credit card company to a qualified consumer. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

the credit card stipulated in the relevant laws of our country (the NPC Standing Committee's Interpretation of the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal [1-2]. On December 1, 217, the Standard for English Translation and Writing in Public Service Field was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.

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