Is the Agricultural Bank of China credit card easy to use? What are the advantages and disadvantages

Each credit card has its own characteristics, with both advantages and disadvantages. When choosing a card, cardholders should choose based on their own needs and characteristics. In this issue, we will review the advantages and disadvantages of Agricultural Bank of China credit cards for you.

Advantages of Agricultural Bank of China Credit Card:

1. Many business outlets. Of course, another advantage of Agricultural Bank of China compared with the other three major banks is that it has many branches in small places. Agricultural Bank of China probably has the most branches among the four major banks. Because it is "agricultural", you can easily find Agricultural Bank of China even in a small place. This is the most outstanding feature of Agricultural Bank of China!

2. The longest interest-free period is 56 days. With an interest-free repayment period of up to 56 days, it is ahead of its peers in China and provides more flexibility in accessing funds.

3. There are special student credit cards for college students. As long as you go to a business outlet with your ID card and student ID card, you can apply for a credit card unconditionally. Compared with the ICBC Peony Student Credit Card, the limit is higher, with a minimum limit of 3,000 yuan.

4. Agricultural Bank of China also offers many preferential activities. Swipe your card to refuel and enjoy a monthly fuel subsidy of RMB 6, three free rescues around the world, and maintenance discounts from 4S stores; the Agricultural Bank of China credit card also often offers half-price movie viewing discounts. 5. Universally applicable at home and abroad. You can spend directly at more than 20 million merchants with VISA, MasterCard and China UnionPay logos at home and abroad, withdraw cash at more than 840,000 ATMs around the world, and enjoy convenient and fast services at any time.

6. One card and two currencies for payment. The dual account setup of RMB and USD is specially designed to meet your global settlement needs, making your journey more relaxed and responsive.

7. Agricultural Bank of China’s most beautiful mother’s credit card, giving your baby and yourself more care. With the first purchase of RMB 88, you can get a Spongebob coral velvet blanket, enjoy instant discounts when shopping on JD.com, and you can also get a Disney English course of RMB 5,000 if you spend enough throughout the year! Also enjoy the points section for Pretty Moms!

Disadvantages of Agricultural Bank of China's credit cards:

1. Since it is one of the four major banks, credit card approval is relatively strict and is not as easy to approve as China Merchants Bank, CITIC and Guangfa. Moreover, many Card Alliance netizens said that the efficiency of Agricultural Bank of China in applying for credit cards is not that high. (But it depends on the specific business outlet)

2. The quota increase is relatively slow.

3. Although Agricultural Bank of China has many discounts, banks such as China Merchants Bank, China Guangfa, CITIC, and China Construction Bank also have many discounts.

What are the advantages and disadvantages of applying for a bank credit card?

1. Advantages of applying for a credit card:

1. You can overdraft for consumption, and you can swipe the card when you have insufficient funds. Spend or withdraw cash.

2. Enjoy the convenience of installment. After a large purchase, you can pay it back slowly in installments.

3. Convenient travel and enjoy discounts. There are many different types of credit cards now. Some have the function of taking the subway and bus, some have discounts for booking air tickets and hotels, and some are convenient for converting foreign exchange when going abroad.

4. It is convenient for financial management and investment. Credit cards have an interest-free period of up to 56 days. During the interest-free period, users do not have to pay interest. Users can use their own money for investment.

5. Points can be redeemed for items. Generally, you will get points when you use a credit card to purchase items. The points can be used for shopping in the bank points mall.

2. Disadvantages of applying for a credit card:

1. After applying for a credit card, a credit report will be submitted. Once your credit card is overdue, an overdue record will appear on your credit report, which will affect own credit.

2. It will be stolen. If your credit card is stolen by others, it can easily be stolen and cause losses to yourself.

3. Let your consumption become irrational. If you use a credit card to consume without having to pay it back immediately and pay it back next month, it is easy for people to consume blindly.

Credit card is a very good small financing tool, the interest rate is low enough, it is available at any time, plug and play:

1. Overdraft consumption

Credit card is a credit financial instrument, so as long as it is a credit card, it has the function of overdraft consumption, and it can also enjoy the interest-free period. As long as the repayment is made before the repayment date, the bank will not charge any interest. If there is a shortage of funds, Users can also handle bill installments and minimum repayments, which is a really good feature.

2. Accumulate points

Generally, anyone with a credit card can accumulate points, which can be redeemed for goods, coupons, miles, annual credit fees, or even cash. This feature is deeply loved by The love of credit card users, especially the love of card gods and wooly people, to be precise, these are given for free, don’t give up.

3.

Credit cards can usually be used for daily living expenses. However, if you really need it, you can also withdraw cash with a credit card. Although the cost is relatively high, it can indeed solve everyone's urgent needs. , then here is a brief introduction to the handling fees and interest for credit card cash withdrawals:

The cash withdrawal handling fees of each bank are different. Generally, they are charged according to 1-3 of the cash withdrawal amount, and the interest is based on 0.05 is charged daily, and it is calculated from the moment the cash is withdrawn. In addition, there is another fee for credit card cash withdrawals, which is overdue interest. Currently, most banks' credit card cash withdrawals do not support installments and minimum repayments. You need to The current bill must be paid in full. If it is overdue, overdue fees will be charged.

According to different classification standards, credit cards are mainly divided into the following categories:

(1) According to the credit card issuer, they 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 the different repayment methods, it can be divided into: credit card, quasi-loan Credit cards and debit cards;

(4) According to the 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, they can be divided into International cards and regional cards;

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

(7) According to the credit card affiliation , can be divided into main card and supplementary card;

(8) According to the different objects of credit card issuance, it can be divided into corporate card and personal card;

(9) According to the credit card of the cardholder Depending on status and credit status, they 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 special-shaped credit cards.

Is Bank of China’s credit card good?

Bank of China has issued many credit card products including personal Jinpu credit card, platinum credit card, unlimited credit card, American Express card, etc. You can purchase it through the official website of Bank of China ()--Bank Card--Credit Card Products. Inquire to find out.

The above content is for your reference, please refer to actual business regulations.

How about ICBC credit card?

ICBC is a state-owned enterprise. ICBC is a state-owned bank, which refers to a large bank directly managed by the Ministry of Finance. It is also one of the four major banks in the country and has a relatively strong customer base. Its main mode of operation is to unify the operation and management system of commercial banks authorized by legal persons. Its main goal is to achieve stable development and improve economic efficiency.

ICBC can provide 24-hour online telephone service. If you have any problems at any time, you can call the online customer service number to solve them. It also provides electronic and paper reconciliation services, which can bring great convenience to customers.

The benefits of ICBC credit card are:

1. Interest-free days. The maximum interest-free days of ICBC reaches 56 days, so you can provide more days for your repayment.

2. SMS reminder. When applying for a credit card at ICBC, if the customer service on your card is due, the system will send you a free text message to remind you to pay it back in time.

This prevents you from being busy with work and forgetting to repay the loan, resulting in more overdue fees on your bill.

3. Automatic repayment is possible. ICBC has its own software, where you can set which card will be used for automatic repayment when your credit card expires. This way, you no longer need to go to the bank to deposit money and repay it, and you can directly bind it to the savings card.

4. Enjoy points. When credit card purchases are made, points will be saved for customer service, and the points can be used to buy things. So when you have enough points, you can use the points to collect items on the online software platform.

5. Provide 24-hour service hotline. There is a 24-hour service hotline for all questions about ICBC. When you have questions about ICBC, you can make a manual service call.

How about Industrial Bank Credit Card?

Any bank has both good and bad sides. We cannot generalize or overgeneralize. We must look at it rationally, divide it into two parts, and analyze the pros and cons. Industrial Bank is a formal bank. It was established in August 1988 with the approval of the State Council of the People's Republic of China and the People's Bank of China. Industrial Bank is the first joint-stock commercial bank in mainland China. Since its establishment, it has become one of the few national joint-stock commercial banks in the country and has been well received by all walks of life at home and abroad.

Advantages of Industrial Bank Credit Card:

Saving money: Under normal circumstances, Industrial Bank credit card should pay an annual fee, but Industrial Bank also provides preferential activity policies for annual fees. Industrial Bank credit cards applied for in the first year can enjoy the annual fee-free policy. In the first year, you can also waive the annual fee for the next year. As long as you swipe five times with an industrial credit card of any amount, you can save a lot of money on annual fees for free.

Large amounts: Customers generally do not choose small-amount Industrial Bank credit cards. The maximum limit of the Industrial Bank Credit Card Jinpu Card can reach 50,000 yuan, so there is no longer the trouble of low limit.

Points: Industrial Bank will provide customers with points for credit card consumption. Customers can obtain gifts through the corresponding points provided by Industrial Bank. After the card expires and the cardholder renews the card, the points will be automatically renewed.

Simplicity: The application process for an Industrial Bank credit card is very simple. There is no need to provide a guarantor or deposit. Industrial Bank can issue credit cards based on the applicant's personal credit situation.

Wideness: Industrial Bank credit cards can be used at special merchants with the UnionPay logo across the country, and can also be used to withdraw money from automated teller machines (ATMs) with the UnionPay logo across the country.

Security: To ensure the safety of customers’ card use, customers can enjoy security guarantees with zero risk of card damage.

Convenience: Customers do not have to travel around when repaying, and Industrial Bank's credit card repayment business can also be realized across banks.

Quickness: Under normal circumstances, in order to avoid overdue repayment and customers make early repayments and transfers, Industrial Bank's bank cards can arrive in real time. :

Industrial Bank Credit Card Application Conditions

1. Aged between 18 and 60 years old. If you apply for an online credit card, you need to be between 22 and 60 years old;

2. Have full capacity for civil conduct;

3. The card applicant must be 14 years old or above;

4. Good personal credit, preferably no overdue records;

5. Have stable income and job;

6. There is an Industrial Bank in the applicant's local area branch.

In addition, if the applicant can provide more financial proof, Industrial Bank will increase your credit card limit based on your financial situation.

How about China Merchants Bank’s credit card?

China Merchants Bank’s credit card is relatively good, with the following main advantages:

1. It’s fast to apply for a card and has a high credit limit. (Shizuka Says Card A) The maximum limit of the credit card gold card can reach 50,000 yuan, and the annual fee is waived in the first year. If the cardholder swipes the card a specified number of times, the annual fee in the second year is waived.

If the new account swipe the card to meet the standards, the user can also receive gifts, and the points swiped by the card can also be redeemed for Starbucks and video memberships;

2. China Merchants Bank has many types of credit cards. China Merchants Bank has launched a Various types of credit cards, including standard credit cards, high-end credit cards, special theme credit cards, fashion credit cards, etc.;

3. Provide multiple discounts of 35% off on food, 9 yuan for movie viewing, and 10 yuan for storm;

4. Cash advance can be taken anywhere. It also provides a variety of services such as bill installment and e-loan installment;

5. Provide five layers of security.

This ends the introduction about bank credit cards and Shanghai Pudong Development Bank credit cards. Have you found the information you need?