1, ICBC: convenient repayment, high credit card limit, but strict application conditions;
2. Bank of China: low card issuance, less activity points and convenient repayment;
3. China Merchants Bank: The success rate of card handling is high, the amount is relatively high, there are many activities, and repayment is also very convenient. Powerful function, multi-card integration, high efficiency, high quality service, adjustable consumer credit limit at any time, powerful online banking, lifelong points system, the latest card loss protection plan. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good;
4. CITIC Bank: There are many preferential activities and great incentives, but the credit line is average. The interest-free period is as long as 56 days, SMS reminder is free, and the consumption details can be inquired by SMS;
5. China Everbright Bank: the success rate of card processing is high, the amount is large, the withdrawal is fast, and there are many points activities;
6. Guangfa Bank does not need to submit any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully online, the people in the card center will contact you for credit extension within 15 working days. Results GDB card has powerful functions, favorable points policy, many preferential activities, prompt SMS reminder, mature online payment, support for Taobao Yi Bei, and available points. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan a month. Credit card merchants are not as popular as the four major banks, and online banking is very simple.
Which credit card is easy to use, CITIC Bank or Minsheng Bank?
The credit cards of the two banks are similar, mainly depending on the usage habits and the convenience of leaving home. The merchants that the two banks cooperate with are almost the same.
The credit card application steps are as follows:
First, the bank official website applies or directly applies to the bank outlets;
Second, after the appointment, the bank staff will contact to confirm the collection of personal information (identity certificate, work certificate, financial certificate);
1, and the age must be between 18-60 years old;
2. Identification certificate: generally, it is an ID card (if a new ID card is used, a copy of the front and back is required), and the soldier needs to provide a copy of the military ID card;
3. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit/card verified and marked by the sponsor;
4. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.
3. After the data is approved, mail the card according to the filled mailing address information;
Fourth, activate the binding card opening.
Top Ten Credit Cards in China
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Top Ten Credit Cards with the Highest Gold Content in China
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The top ten credit cards with the highest gold content in China are as follows:
1, Minsheng Bank Diamond Credit Card, among the credit cards issued in China, the most outstanding one should be Minsheng Bank Diamond Card. Although the color of the card is not black, its credit limit can reach up to 3 million RMB, and the annual membership fee is as high as 10000 RMB.
2. ICBC Peony Platinum Card, which claims to have only 7,000 users worldwide. As one of the four largest state-owned banks in China, the issuance standard of Peony Platinum Card is quite strict. Individuals cannot take the initiative to apply, and they must be invited by the bank to apply.
3. China Everbright Bank Yanhuang Credit Card-Platinum Card, features: ultra-high aviation risk.
4. CITIC Bank Air China Companion CITIC Credit Card, Platinum Card, Features: The first Platinum Air China Companion Credit Card.
5. CITIC Bank CITIC Star dual-currency credit card and platinum card. Features: global airport VIP room courtesy.
6. China Everbright Bank Everbright Golf Credit Card and Platinum Card. Features: In more than 65,438+050 golf courses all over the country, you can enjoy the preferential golf service at a discount of 5-7% off the tourist price.
7. Everbright Bank Sunshine Business Travel Credit Card and Platinum Card. Features: VIP enjoyment, optional.
8. China Merchants Bank China Merchants Bank Platinum Credit Card, Platinum Card, Features: National Special Store.
9. Shanghai Pudong Development Bank Pudong Credit Card, Platinum Card, Features: RMB/USD dual currency settlement.
10, Pufa Dream Card, personalized personal tailor service, distinguished vip service at many airports at home and abroad and high-speed railway station, preferential service at international hotels, free of annual fee, and high cash rebate for consumption abroad.
Which white card is better, CITIC, China Everbright and Minsheng?
Up to now, three banks in Jingdong Financial Republic have joined hands with three white-striped cards, the first one is CITIC White-striped Co-branded Card, followed by Everbright White-striped Co-branded Card and a Minsheng White-striped Co-branded Card. So, which card should I get for JD.COM IOUs users?
Before getting down to business, let's talk about the benefits of white cards:
1. Applying for a white card can directly activate the white card in JD.COM, and the white card can be used for repayment;
2. you can accumulate JD. The small white credit score of COM is very good now, and many lending institutions will take the small white credit score of users as the basis for approval.
3. There is a QR code scanning area on the back of the white card. You can get different red envelopes, vouchers and gifts by scanning.
4. You can enjoy an interest-free period of up to 80 days, a 30-day interest-free period for IOUs and a 50-day interest-free period for credit cards.
Of course, the benefits of white cards go far beyond three points. There is absolutely no loss in applying for JD.COM White Card. As for which one to apply for? Look at the comparison between Zhang Sanka and Zhang Sanka before making a decision.
Three White Stripes Co-branded Card Contest
I. Card organization
1. CITIC White Bar Co-branded Card: There are two major institutions: UnionPay and VISA. If you want to use it in consumption abroad, you should choose UnionPay.
2. Everbright White Card: It is also organized by UnionPay and VISA, and the card selection method is the same as that of CITIC Bank.
3. People's Livelihood White Card: UnionPay has only one card organization, so it can only be located in consumption abroad.
Comments: As mentioned above, it is good to use UnionPay cards from three banks in China, and CITIC VISA white-striped co-branded cards and the vast number of VISA white-striped co-branded cards abroad.
Second, the card surface:
1, CITIC White Strip Co-branded Card: sterling silver gilded logo, with red edge design;
2. Everbright White Strip Co-branded Card: unique rose gold pavement and gold foil public service logo; ;
3. Minsheng White Strip Co-branded Card: You can see the internal public welfare in the transparent card area and print in 3d font.
Comments: In terms of face value, all three white cards belong to high-value cards. If you have to fight, let's arrange it like this: China's people believe in China.
III. Amount:
1, CITIC White Card: the amount is between 5000 and 35000;
2. Everbright White Card: the amount is between 4000 and 30000;
3. People's livelihood white card: the amount is between 8,000 and 30,000;
Four. Annual fee:
1. CITIC White Card: UnionPay 200, VISA2000. The annual fee for the first year can be waived if the nuclear card is swiped once in the first month or withdrawn once, and the annual fee for the next year can be waived if the card is swiped five times a year.
2. Everbright White Joint Card: Free of annual fee;
3. Minsheng White Strip Co-branded Card: Free of annual fee within the validity period of the card.
Comments: As far as the annual fee is concerned, it is natural to choose free annual fee. However, although CITIC charges an annual fee, it can be reduced or exempted according to the number of swipes. It's easy to swipe your card six times in the first year, and the annual fee for the current year and the following year can be avoided.
Verb (abbreviation for verb) card discount:
1, CITIC White Strip Co-branded Card: swipe your card to buy movie tickets on April 30th, with the maximum reduction every Wednesday and Saturday 15 yuan; Brush 399 yuan for Samsonite backpack within 60 days after opening the card on June 30;
2. Everbright White-Striped Co-branded Card: There are many benefits, free of annual fee for life, free of cross-border transaction fee and cash withdrawal fee for VISA card, and reduced by JD.COM Mall 18 full 108.
3. Minsheng Baitiao Co-branded Card: On August 3 1 day, new residents successfully applied for and activated the card, and gave JD.COM Baitiao six-phase installment interest-free coupons. Successfully applied for Minsheng Xiaobai Card within one year and activated new users of the card, and presented JD.COM Mall 1 with free freight coupons.
Comments: The preferential activities of Minsheng and CITIC are still quite powerful, and Everbright is basically quiet. If you want to choose a card from the discount, CITIC's livelihood will be great.
Card processing suggestion
Minsheng Card: Beginners can choose. After all, it is a new card, and banks should be impulsive.
CITIC Card: Both new and old users can, but old drivers should pay attention to CITIC's 5-card and 20-card limit.
Everbright Card: Not suitable for new users or old users, and so on.
Which is better, CITIC or Minsheng?
CITIC Bank and Minsheng Bank, both of which are similar, mainly depend on the usage habits and the convenience of outlets leaving home. The merchants that the two banks cooperate with are similar.
1. How to handle Minsheng Credit Card?
1. Minsheng Credit Card Processing Method 1 _ Good fork stew
You can go directly to the business outlets of Minsheng Bank and submit the corresponding copies to the staff. Under the guidance of the staff, you can fill in the application form and submit relevant certificates for approval.
2. Minsheng credit card processing method 2 _ and stew
Baidu search login Minsheng Bank official website. After entering the credit card page, click Apply, select the card type according to your own needs, enter your relevant information as required after selection, and click the agreement I have read and agreed to wait for approval at the bottom. After the approval, the bank will send you a credit card within 3-5 working days.
3. Minsheng Credit Card Processing Method 3 _ Xiaotian Ф Tax Benefit
You need to download the mobile client of Minsheng Bank, register and log in, enter the credit card page, select the card I want to apply for, fill in the information according to the process, and wait for approval after submission.
4. Minsheng Credit Card Processing Method 4 _ Drought Education
Credit cards can be processed through third-party platforms. For example, the card selection center on Card Baby official website provides thousands of cards for you to choose from. Just fill in the information online and wait for your card.
Second, the characteristics of Minsheng Bank credit card:
At present, China Credit Card is one of the most popular credit cards. First of all, there is no handling fee for cash withdrawal, and other banks are between 1%-3%.
Secondly, the score after card opening is very high. Spend 3000 yuan and get 60000 points, which can be exchanged for gifts. And the amount is very high, but the disadvantage is that the number of outlets is a little less than that of the four major state-owned banks.
Three. Characteristics of CITIC Bank's credit card:
The advantage is that the installment amount is relatively high (up to 5 times) and does not occupy the amount; Support Alipay platform.
The disadvantage is that there are few outlets; Online banking is not very powerful; Integral is not permanently valid; You must swipe your card within 30 days after the card is verified, otherwise you will be charged an annual fee.
It is more suitable for people who need to cash out in installments.
So much for the good introduction of CITIC and Minsheng Credit Card.