CITIC VS China Merchants Bank, which bank is better for JD Little White Card?

JD Finance recently joined hands with China Merchants Bank to issue China Merchants Bank’s small white card, adding another member to JD.com’s small white card family. Although many friends have already bought it, there are still many users who are waiting and want to know, which bank is the best for JD.com’s small white card? What is the difference between China Merchants Bank’s Little White Card and CITIC Little White Card? Let’s give you a brief analysis today.

1. Ease of application

CITIC Little White Card and China Merchants Bank Little White Card are both JD Little White Cards. JD.com only plays a role in transmitting information and really determines the novice card. The difficulty of applying for a card is still the bank, so whether it is difficult to apply for a small white card depends on China CITIC Bank and China Merchants Bank. So which bank is easier to apply for? I think it is easier to apply for CMB credit card than CITIC credit card.

2. Bank dispute

As a consumer, both banks have credit cards. In comparison, CMB’s user experience and services are slightly better than CITIC’s.

China Merchants Bank

Bank APP: It has complete functions and rich activities. Users can easily and clearly find the content they want to see, and it is very convenient to use. WeChat reminders are in place and there are many functions. Basic operations are all available in the WeChat official account. You don’t have to download Palm Life specifically, which is more convenient.

CITIC Bank

Relatively speaking, the user experience of mobile banking APP and WeChat is not that good and does not appear to be refined. Although they have basic functions, they are not as colorful as China Merchants Bank.

Review of China Merchants Bank’s Little White Card: The perfect combination of JD.com’s Baitiao and credit cards. Questions about the credit information of Little White Card: Will the credit reference be checked when applying for the card?

3. Preferential rights and interests

1) Jingdong Little White Card rights and interests

Jingdong has three versions of CITIC Little White Card (classic version, heart-warming version, VISA) Let’s compare the classic version of CITIC Little White Card, which has the largest number of applicants, to see which bank is better.

CITIC Little White Card: 800 points for 1 steel_, scan the QR code to get money, if the flight is delayed, 1,000 yuan will be paid for 4 hours.

China Merchants Bank Little White Card: 10 times points reward, instant discount for 100 yuan payment, 170 yuan application gift package, JD.com free shipping coupon when opening the card, double the expected income from mobile financial management.

From a comparison of the discounts that have been released, CMB’s discounts are more generous than those of CITIC. However, CMB’s small white card is in its infancy, and there are already many discounts during the promotion period. This is not surprising.

It is worth noting that many of the discounts of China Merchants Bank’s Xiaobai Card rely on Xiaobai’s credit score. For example, in the event of instant discount for payments up to 100 yuan, users with a score below 80 can receive an immediate discount of 60 yuan. Coupons, users with 80-90 points (excluding 90) can receive 80 yuan instant discount coupons, and users with 90 points or more can receive 100 yuan instant discount coupons. Those with a score below 80 will directly receive 40 yuan less, which is equivalent to setting a threshold for preferential activities. The CITIC Little White Card activity is more direct and does not have so many restrictions.

2) Bank benefits

In the final analysis, these two Jingdong small white cards are bank credit cards, and they have more discounts than which bank!

Although China Merchants Bank has many preferential activities, they are relatively fragmented. The most commonly used ones are 50% off for movies, 50% off for food days, 50% off points redemption, points redeeming for McDonald’s, and points redeeming for Starbucks. These activities are available from their home It can be seen that the big wool is less and it is just some leg hair. It needs to be accumulated to be valuable. China Merchants Bank is suitable for trimming calf hair in daily life. You can get discounts when eating in many places. The points policy is a bit cheating.

CITIC Bank’s sales have shrunk compared to before, but the discounts are very real. For example, CITIC Little White Card can be used to directly collect steel_ and exchange it for money, making the points less useless. 9-share redemption is the most cost-effective, and you can exchange it for Starbucks, It’s very good to exchange movies, books, etc. It’s much better than other banks that require hundreds of points to exchange for a cup of coffee. Of course, the premise is that you are fast.

4. Xiaobai credit card limit

CITIC Xiaobai Card and China Merchants Bank Xiaobai Card are both gold credit cards, so the starting limits are relatively high. From the understanding of the card limit, Generally speaking, CITIC Credit Card’s credit limit is higher than that of CMB. The first credit card limit is 10,000-50,000 yuan. If you want to increase the limit, you just have to work harder on shopping. It is understood that CMB’s credit limit is higher than that of CITIC Bank. easy.

To sum up, the two Jingdong small white cards have their own advantages and disadvantages. They are both the most popular commercial banks in China. We cannot simply say which bank is better. We can only say that it depends on consumption. What kind of services and functions do you need to choose the most suitable credit card for you? If you really like both, you can buy both. After all, you can only know whether it is good or not by using it.

Which one is better, China CITIC Bank or China Merchants Bank?

Personally, I think CITIC Bank is better. Both China Merchants Bank and China CITIC Bank are developing very well, but CITIC Bank is a state-owned enterprise, so it has greater security. Although China Merchants Bank’s online banking function is relatively powerful, and China Merchants Bank’s credit cards under the same account will issue a statement, which can facilitate your repayment. . But if you are making a small purchase, China Merchants Bank does not have SMS reminders. CITIC Bank cannot apply for arbitrary installments, and installment applications for large purchases will be rejected. However, both banks have certain discounts on annual fees. China CITIC Bank is a state-owned enterprise. The actual controller of CITIC Bank is the Ministry of Finance of the People's Republic of China and the People's Republic of China. CITIC Bank is one of China's national commercial banks. It was established on April 20, 1987 and is headquartered in Beijing. It is one of the six banks and three guarantees of Chinese financial stocks in Hong Kong, China. On April 27, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in mainland China, with total assets of more than HK$1.2 trillion, more than 16,000 employees and more than 540 branches. It is one of the six lines and three guarantees for Chinese financial stocks in Hong Kong. In 2007, AH shares were simultaneously listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange. The business involves providing comprehensive financial solutions to corporate customers and institutional customers, and providing diversified financial products and services to individual customers. CITIC Bank belongs to the scope of state-owned enterprises. It is a joint-stock commercial bank under CITIC Group and one of the national state-owned banks. State-owned enterprises are controlled and participated by state-owned capital, including wholly state-owned enterprises and state-controlled/joint-stock enterprises. The largest shareholder, China CITIC Co., Ltd., is a company under CITIC Group. CITIC Bank naturally belongs to the category of state-owned enterprises. China Merchants Bank is a private enterprise. It can be seen from the equity structure of China Merchants Bank that its largest single shareholder is China Merchants Shipping Co., Ltd., with a shareholding ratio of 13.04%. In addition, Shenzhen Yanqing Investment Development Co., Ltd. holds 4.99%. Shenzhen Chuyuan Investment Development Co., Ltd. holds 3.74% of the shares. Both investment companies are directly or indirectly controlled by China Merchants Group, which means that China Merchants Group actually owns 21.77% of the shares of China Merchants Bank. China Merchants Bank Co., Ltd. is China Merchants Bank. It is a national commercial bank and the largest retail bank in China. It is mainly engaged in banking and related financial services. Generally speaking, China Merchants Bank is a mixed-ownership enterprise in which state-owned institutions play a controlling role, so it is actually a state-controlled commercial bank.

Which credit card is better, CITIC or China Merchants Bank?

Personally, I think China Merchants Credit Card is better. The limit of China Merchants Card can be increased quickly. After using it for a period of time, it can be easily increased to 56,000 or 60,000. CITIC’s credit limit is very high. It is difficult to improve the merchant card. There are many activities and it is more affordable. CITIC is so-so. The merchant rarely blocks the card and reduces the limit. CITIC is more troublesome and often blocks the card and reduces the limit. So overall, China Merchants Bank credit card is better than CITIC Bank credit card.

The basic functions of credit cards are the same. You can use the card for consumption, online payment, etc. CMB will launch different discounts and promotions for different credit cards from time to time. , since personal preferences are different, it is recommended that you choose according to your own preferences. If you need to know the details of the credit cards currently launched by our bank, please log in to the credit card website, click "Apply for Credit Card" - "Credit Card Family Portrait" and select your Check out the cards you are interested in.

That’s it for the introduction of which one is better, CITIC Credit Card or China Merchants Credit Card.