Apply as appropriate based on your own circumstances.
1. For Bank of Communications credit cards, the threshold for card approval is very low. You only need to provide your ID card and proof of your employment (i.e. work permit, badge, or proof of income stamped with the official seal of the unit). It can even be the original business card and a copy of the pass of the public institution)
The overdraft limit is average, not very high. Of course, the information you provide is relatively comprehensive, and you own real estate, cars, etc. The amount of proof will be much higher
BoCom's interest-free period for consumption is relatively long at 56 days
The points are one yuan per point, which is easy to accumulate. There are no points for withdrawing cash
The handling fee for cash withdrawals is 1%, with a minimum of 10 yuan for each transaction. That is to say, if you withdraw 1,000 yuan in cash, you will be charged 10 yuan, and if you withdraw 100 yuan, you will also be charged 10 yuan.
Except for YONG-POWER cards, a single consumption of 1,500 yuan The above can apply for installment repayment
There is no free text message reminder function for transactions, and there is a transaction reminder text message service of 3 yuan per month
2. Minsheng Bank credit card, the card approval requirements are higher than those of Bank of Communications. Moreover, your card will not be approved if you are not from the city, and there is some discrimination against those with rural household registration
The overdraft limit is slightly higher than that of other banks
The longest interest-free period for consumption is 50 days
p>There is no handling fee for withdrawing cash from local Minsheng Bank teller machines
You can set the statement date and repayment date of Minsheng Bank by yourself, and the point redemption is at an average level
3. China Merchants Bank Credit Card has a low threshold for card approval. It is the number one credit card brand in China and its card issuance volume is second only to Industrial and Commercial Bank of China
The overdraft limit is relatively higher than that of Bank of Communications and higher than that of Minsheng Bank and China Minsheng Bank. Everbright Bank is low, of course, this mainly depends on your property and income
The longest interest-free period for consumption is 50 days
The cash withdrawal fee is 1%, with a minimum of 10 yuan per transaction , this is the same as the Bank of Communications credit card cash withdrawal fee
The online mall is quite good, and installment repayment is convenient. According to current credit card owners, they have always been very satisfied with the customer service of China Merchants Bank Credit Card, and the credit card has a good reputation
4. Everbright Bank Credit Card, the threshold for card approval is very low. My Everbright Credit Card did not ask me for proof of employment or property.
The overdraft limit is very high, basically higher than any other bank.
The longest interest-free period for consumption is 50 days
The cash withdrawal fee is 1%, with a minimum of 3 yuan per transaction, which is the lowest among all other banks
Automatic installment function. After the automatic installment function is activated, every time the card is swiped for consumption, regardless of the amount of the card, the payment will be automatically divided into 12 installments