Hua Xia Bank Credit Card is okay. It is a credit card with both advantages and disadvantages. Its advantages include a longer interest-free period, flexible repayment methods, many credit card promotions, many credit card value-added services, and a slightly lower application threshold. wait. The disadvantages include strict risk control, fewer bank service outlets, and charges for notification text messages. However, each bank's credit card has its advantages and disadvantages. As long as the advantages outweigh the disadvantages, it is enough for users.

In addition, when users apply for a Hua Xia Bank credit card for the first time, try to choose a card with a low level. This will not only increase the pass rate, but also help increase the actual card limit.

1: What is Hua Xia Bank

Hua Xia Bank was established in Beijing in October 1992 with the care and support of Deng Xiaoping, the chief architect of reform and opening up. Shareholding reform was implemented in March 1995; in September 2003, the bank issued shares for the first time and was listed for trading (stock code: 600015), becoming the fifth listed bank in China.

As of the first half of 2019, total assets were 3.02 trillion yuan, total loans were 1.78 trillion yuan, and total deposits were 1.68 trillion yuan. It has established 42 first-level branches and 68 second-level branches in 110 cities at or above the prefecture level, with a total of 1,017 business outlets and nearly 40,000 employees, forming an institutional system that "based on economically developed cities and radiates across the country" . ". It has established 1,330 domestic and overseas agent banks, covering 334 cities in 102 countries and regions on five continents, and has built a settlement network covering major trade areas around the world. Among the 1,000 global banks selected by "The Banker" in July 2019 Hua Xia Bank ranked 56th in the world in tier-1 capital and 67 in the world in terms of asset size, rising 9 and 3 places respectively from the previous year. In Forbes magazine's 2019 list of the world's top 2000 listed companies, Hua Xia Bank ranked No. 265, an increase of 24 from the previous year.

2: What is a credit card?

A credit card is a non-cash transaction payment method and a simple credit service. The plastic card is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by a bank or credit card company to the cardholder based on the user's credit and financial resources. The cardholder does not need to pay cash when using the credit card and repays it on the settlement date. . Except for the combination of some credit cards and debit cards, general credit cards are different from debit cards and ATM cards.

Credit cards are issued by commercial banks to individuals and organizations. A special carrier card with consumer credit for shopping, spending, and depositing and withdrawing cash from banks. It is in the form of a card with the name of the card issuer, expiration date, number and cardholder name printed on the front, and a magnetic strip and signature strip printed on the back. /p>

A real credit card has the following characteristics: cash deposits are not encouraged, consumption is consumed first and repayment later, interest-free repayment period is available, repayment can be made in installments (minimum repayment amount), and international credit providers such as Visa and Master are included. Card organization used worldwide