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Mind you, credit cards are divided into many types of special cards, such as airlines, department stores and multi-currencies. ....

Credit cards can be divided into ordinary cards, gold cards, platinum cards and diamond cards according to the maximum amount. . .

What's the difference between the credit card types of China Construction Bank?

Quasi-credit cards can be used for small payments, but credit cards can't. A savings card can only be used to save money, but nothing else. Credit cards are very similar to quasi-credit cards, that is, you can use the money first and then pay it back after use. There is a limit on credit cards. For example, if you use 5000 yuan, you can only repay it in proportion, and the quasi-credit card must have bank regulations before you can borrow. That's all I know. If you still don't understand, don't be afraid to ask CCB customer service for information.

Longka quasi-credit card mainly has the following functions:

1. Consumption payment: it can be spent by special merchants with UnionPay acceptance mark in China and other special merchants designated by banks; The countries or regions that have opened the UnionPay network overseas have the "UnionPay" acceptance logo for special merchants' consumption.

2. Deposit and withdrawal of cash: You can deposit and withdraw RMB cash from our domestic business outlets, ATMs and other self-service devices, and withdraw RMB cash from other ATMs and other self-service devices with UnionPay acceptance signs; Countries or regions that have opened the UnionPay network overseas will withdraw local currency from ATMs with the acceptance sign of UnionPay. Company cards can't access cash.

3. Transfer settlement: According to the relevant regulations of our bank, you can transfer money, handle it yourself or entrust our bank to handle the designated withholding business, but you can't overdraw and deduct money.

4. Small consumer credit: You can overdraw within the credit line approved by our bank. Company cards can only be deposited before use, and cannot be overdrawn.

CCB Wealth Management Card is a multi-currency comprehensive financial product provided by CCB to middle and high-end customers. It has many functions, such as one-card account, comprehensive management, contract financing, automatic transfer, overseas transactions, global use, collection and payment, SMS notification, personalized number selection and so on. You can also enjoy many distinguished services such as financial consultation provided by CCB, which is also a symbol of the distinguished status of customers.

1. One-card multi-account, and comprehensively manage the current and fixed deposit accounts in RMB, USD, HKD, Japanese yen, Euro, British pound and other currencies (hereinafter referred to as local and foreign currencies) in your CCB wealth management card. In addition, you can also link my existing CCB account with the CCB wealth management card to arrange funds as a whole.

2. Sign up for financial management and transfer money automatically. You can register a variety of automatic deposit business, such as changing current account into current account, changing current account into fixed account, changing current account from fixed account, changing current account into current account, notifying to change current account, transferring treasury bonds due, and automatic remittance. The bank will automatically allocate funds for you according to your contract. This feature requires login.

3. Overseas transactions, GM. You can spend money by swiping cards at more than 2,000 merchants with VISA, MasterCard or UnionPay logos in more than 200 countries and regions around the world, and withdraw local currency from nearly one million ATMs, making your overseas travel more convenient and unique. Your wealth management card has the function of overseas transaction when it is opened, and you can close it at any time as needed. The wealth management card has the function of purchasing foreign exchange in RMB, which is convenient for you to stay in consumption abroad.

4. SMS notification is safe and considerate. CCB will provide you with real-time notification of account amount change, due reminder, family greetings, financial information services and other services through SMS, so that you can know your financial situation like the back of your hand. This feature requires login.

5. Investment and wealth management, maintaining and increasing value. With the wealth management card of CCB, you can handle a series of investment and wealth management businesses such as foreign exchange trading, voucher-type treasury bonds, funds and third-party depository, which is a good helper for you to obtain higher returns.

6. It is convenient and flexible to collect and pay. You can use the CCB wealth management card as a salary account, and it can also be used to withhold and remit related expenses, so as to avoid the trouble of withdrawing and paying cash.

7. Comprehensive reconciliation, send regularly In order to let you fully grasp the income and expenditure of the account, China Construction Bank can provide you with a comprehensive statement every month, and all the transaction records in the account are listed at a glance.

8. Wide channels and convenient card use. In addition to trading at CCB counters all over the country, you can also trade at CCB merchants, self-service equipment (such as ATM, CDM automatic deposit machine, CRS automatic deposit and withdrawal machine, BSM self-service terminal, etc.), telephone banking and online banking, and experience the fun of using the card anytime and anywhere.

9. Distinguished service. Customers holding CCB Financial Platinum Card (or Gold Card) can build the bank's financial center, financial window or VIP room all over the country (or locally), and the account manager in charge will provide financial services and enjoy various preferential policies, which will bring you more convenience and dignity.

VI. Product Type

Press "CCB Financial Card" > >;

Why are there so many kinds of credit cards? Which is better?

Rules made for different people or people with different needs can be made according to your personal preferences, work or life needs, or simply, more activities and more value can be made.

What are the differences between different types of credit cards of ICBC?

It is recommended to use this:

What's the difference between credit cards of major banks?

China Construction Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for three times;

2. SMS service is free;

3. The withdrawal fee is only 0.5%;

4. Report the loss of 50 yuan;

5. There is a kind of credit card that is directly for car owners. As long as there is a car with a displacement above 1.4, it can be easily processed.

Disadvantages: points can be exchanged for less and worse gifts.

Bank of China:

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only 40 yuan.

Disadvantages: Gift redemption requires high points and few types of gifts.

ICBC:

Advantages:

1, American Express card swipes the card five times a year, or the annual fee of the current year is exempted when the consumption reaches 5,000 yuan, or the annual fee of RMB ordinary card is exchanged for 2000 points;

2. The withdrawal fee is free;

3. The overpayment will be recovered free of charge;

4. Only 20 yuan is needed to report the loss;

5. There are many exits

Disadvantages:

1, SMS service fee 2 yuan/month;

2. The points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank:

Advantages:

1, the annual fee for the first year is exempted, and the annual fee for the second year is exempted after five swipes;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. The loss reporting fee is only in 50 yuan;

5. There are many exits

Disadvantages:

1, there are fewer types of credit cards;

2. The card processing procedure is relatively complicated;

3. Less points can be exchanged for gifts.

China Merchants Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. SMS service is free;

3. Report the loss of 60 yuan;

4, the overall gift is better

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less exports

China CITIC Bank:

Advantages:

1. Within one month after issuing the card, the annual fee of the first year is exempted once and the annual fee of the next year is exempted five times;

2. SMS service is free;

3. Send an accident insurance.

Disadvantages:

1, and the withdrawal fee is 3%;

2. Less outlets;

3. The loss reporting fee is high in 80 yuan;

4. There are many gifts, but the requirements are high.

Industrial Bank:

Advantages:

1, exempt from the annual fee for the first year, and exempt from the annual fee for the next year if you brush it for five times or spend 3000 yuan;

2. 50 yuan is needed to report the loss.

Disadvantages:

1, SMS service fee 3 yuan/month;

2. Withdrawal fee of 3%;

3. Less exports

Bank of Communications:

Advantages:

1, Y-POWER card is free of annual fee in the first year, three times in the second year, and six times in other cards;

2. SMS service is free;

3. The withdrawal fee is only1%;

4. 50 yuan is required to report the loss;

5. There are more outlets than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed for points.

Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average.

Guangfa Bank:

Advantages:

1, free of annual fee in the first year, and free of annual fee in the second year after brushing for six times;

2. The overpayment will be recovered free of charge;

3. Only 3 yuan is needed to make up the statement;

4. Send a copy of the insurance;

5. There is a discount for getting a card.

Disadvantages:

1, the SMS service fee needs 3 yuan;

2. The loss reporting fee is high in 85 yuan;

3. Less exports

Shanghai Pudong Development Bank:

Advantages:

1, free of annual fee for the first year;

2. Free SMS service fee;

3. No loss reporting fee;

4. Don't pay the recovery fee.

Disadvantages:

1. Exempt the annual fee for the following year according to the credit card record and repayment record;

2. The card replacement fee is high in 80 yuan;

3. Withdrawal fee of 3%;

4. Less exports

Shenzhen Development Bank:

Advantages:

1, free of annual fee for the first year;

2. Withdrawal fee1%;

3. Report the loss of 50 yuan;

4. Only 2 yuan is required for the handling fee of the supplementary statement.

Disadvantages: excitement

1, only points can be exchanged for the annual fee of the following year, and some credit cards can only be exchanged for the annual fee of the following year if they swipe their cards 12 times in the first year;

2. Less exports

Minsheng Bank:

Advantages:

1, free of annual fee for the first year;

2. Free cash withdrawal fee;

3. Don't pay back the handling fee;

4. Send aviation accident insurance and provide on-site emergency assistance services for discount cars.

Disadvantages:

1, most credit cards need to be swiped 8 times to avoid the annual fee for the following year, and some need to pay 160 yuan;

2. SMS service fee 3 yuan;

3. The loss reporting fee requires 80 yuan;

4. Less exports

Everbright Bank:

Advantages:

1, some cards are exempt from the annual fee of the first year, and the annual fee of the next year is exempted after three swipes;

2. Withdrawal fee1%;

3. No SMS ... >>

What's the difference between various credit cards of Bank of Communications?

The same is true for shopping with credit cards.

Generally speaking, Y-POWER card is easier to use if it is cashed out, but it must be operated by people under 30.

Official cards can only be issued by teachers and civil servants, and the annual fee is free for life.

Platinum credit card has a large credit line, but it must have a good credit record and deposit record in Bank of Communications, which is beyond the reach of ordinary people.

For a joint credit card, you must have your relatives apply for a credit card.

All the other credit cards are the same.

You can consult 4008009888 free credit card center phone number 1 1*00 manually.

Why are there so many kinds of credit cards? Do they have different functions?

If it is a China Merchants Bank credit card, the basic functions of the credit card are basically the same, such as spending first and then repaying; Use the cash advance function; Select the business with minimum repayment amount; Online shopping; Shopping in installments and so on. If there are no special requirements for credit card spending, you can apply for any one.

What's the difference between China Merchants Bank's credit cards?

Ah, there are so many types of China Merchants Bank cards, this problem. . . .

Let's just say that there is generally no big difference. Preferential merchants and China Merchants Bank regularly have the same preferential activities.

the difference is

For example, a co-branded card of a shopping mall can enjoy the discount of that shopping mall, and you can save points when you buy things in that shopping mall, and then you can exchange that card for gifts.

An airline's co-branded card enjoys flight exchange discount.

A cartoon card, such as Doraemon and crayon Shinchan, is usually significant and memorable.

The specific difference is best to check on the website of China Merchants Bank.

Anyway, I think it's all the same

Generally speaking, I personally think that the credit card of China Merchants Bank is not bad. Online payment can be opened without going to the business hall, and more businesses are willing to benefit.

What are the classifications of credit cards?

There are many types of credit cards, which can usually be divided into the following six standards:

(1) According to credit card issuers, it can be divided into bank cards and non-bank cards;

(2) According to the storage medium of credit card information, it can be divided into magnetic stripe card and chip card;

(3) According to different payment methods, it can be divided into: credit card, quasi-credit card and debit card;

(4) According to different settlement currencies of credit cards, they can be divided into foreign currency cards and local currency cards;

(5) According to the different circulation scope, it can be divided into international cards and regional cards;

(6) According to the number of credit card accounts, it can be divided into single-currency credit cards and dual-currency credit cards;

(7) According to the affiliation of credit cards, they can be divided into main cards and subsidiary cards;

(8) According to different credit card issuers, it can be divided into corporate cards and personal cards;

(9) According to the credit status and credit status of cardholders, it can be divided into unlimited cards, platinum cards, gold cards and ordinary cards.

(10) According to the different shapes of credit cards, they can be divided into standard credit cards and irregular credit cards.

How to tell what your credit card is?

In China, credit cards include credit cards and quasi-credit cards.

Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay.

Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.

Debit card is our usual savings card, which has the functions of deposit and withdrawal, transfer and so on, and cannot be overdrawn.

ICBC's public credit card can be processed only by providing an ID card. When it was first established, it did not exceed 500 yuan at the highest, generally 10 yuan. Spend 500 to 500 in 3 months, 500 to 1000 in 3 months and 500 to 2000 in 3 months. 2000 yuan is the maximum amount of popular credit cards.