Credit cards of China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China and these banks are good. 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.

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.