Hello, the poster, first of all, I would like to state that the following content was copied by me, but the content copied is my original content. Look, I have used online banking from 9 banks and credit cards from 6 banks, once You can apply to multiple banks, but it is recommended to apply to small banks first, and then apply to big banks. I hope these are helpful to you. If you don’t understand, just ask me.
ICBC: The security tools are u-shield and e-mail. Password card, you need to choose 1 from 2 to pay through online banking, and electronic password card is required for mobile banking payment. It has comprehensive services and a high credit card threshold. It is the leader in the national banking industry and has many online stores. The overall experience is 4 points (out of 5 points). The following are only Compare the experience of using online banking, mobile banking, debit cards and credit cards).
China Construction Bank: The security tools are e-channels and electronic password cards. Generally speaking, the business is pretty good. Credit card points are not affordable. The application threshold is not high. Online banking and mobile banking are generally used. For example, I had to log in again after installing e-banking. At the same time, many netizens reported that the CCB website always crashed when paying through Alipay. Mobile banking was also average. Except for high-end credit cards, there was no fee-free cash withdrawal. The overall experience was 2 points.
Bank of China: Let me start by saying that I used to be a customer service member of Bank of China, but I am in no way biased towards Bank of China. Bank of China generally recommends the security tool BOC e-Ling, which is a dynamic cipher. If you want to use online banking or mobile banking You have to carry the transaction with you, but mobile banking has complete software that can pay bills, transfer money, stock stocks, etc. It is very easy to use, and you can pay water bills. There are not many online banks that can pay water bills now, and the credit card threshold is high, but now there are activities There are many offers, such as free points when you sign up for a card, and free online banking fees for 3 years. It is worth mentioning that the points of Bank of China are very affordable. Just take a look and you will know. The overall experience is 4 points
Agricultural Bank of China: I I am the first online banker I use besides Bank of China. I don’t understand it thoroughly. Hey, it’s really confusing and there are constant questions. I really don’t want to say more. I remember that there are many types of credit cards. The overall experience is 2 points.
Bank of Communications: The main security tool is SMS verification. It is the best mobile bank I have ever used. It seems that points can only be used to redeem cash (online mall). I don’t know if it is still the case now. It is the first in the country to recommend cardless withdrawals. For cardless consumption, although it is not one of the four major banks, it is definitely ahead in terms of bank cards. All transactions only require mobile phone verification codes. The application threshold is not high and there are many activities. The overall experience is 5 points
China Merchants Bank : The first online bank in the country. I admit that the service is good and safe, but the mobile banking and online banking of credit cards are not very comfortable to use, especially for payment. You have to enter a bunch of data to apply before you can pay. The whole process It takes about 4 minutes, and the Bank of Communications is less than 1 point. The steps are too complicated, the points are not affordable, the threshold is not high, there are many activities, and the overall experience is 3 points.
Let me introduce these. I have also used postal services, It is impossible for me to tell you all about Pudong Development and Guangfa. If you want to know anything, you can ask me. I will explain it to you in detail. I hope it will be helpful to you. If you don’t understand, you can ask me.