Which bank credit card is better?
China Merchants Bank, Bank of China, China Construction Bank, Bank of Communications, and Agricultural Bank of China have good credit cards. There are a lot of card holders, so they are popular among credit card users. They have many discounts, professional services, quick credit limit increases, and points. The following introduces the characteristics of these bank credit cards respectively:
1. China Merchants Bank Credit Card
Everyone who has used China Merchants Bank credit cards knows that China Merchants Bank’s service is very good, and it can be regarded as the best among all banks. The service is the best. Although China Merchants Bank cannot apply for a card with a card, the efficiency of placing a card and raising the limit is still quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple and fast. It is so powerful.
2. China Construction Bank Credit Card
China Construction Bank has issued rapid credit cards in recent years, once surpassing ICBC. Most of the credit cards it issues are low-limit credit cards. The application for a fixed quota has been cancelled, and has been replaced by a system-defined increase. The temporary quota is still quite high, and the overall service experience is pretty good among all major banks.
The advantage of CCB credit card is that the preferential price comparison favors overseas shopping. If you often shop overseas, you can get a CCB card. In addition, as one of the four major state-owned banks, China Construction Bank's installment consumption fees are also quite low, making it a good choice for installment consumption.
3. Bank of Communications Credit Card
The Y-power card I often recommend to my friends is the Bank of Communications Y-power card. It has up to 100% of the cash withdrawal limit. There is no annual fee in the first year of application and the card is swiped 6 times. The annual fee can be waived for the next year, which is very awesome.
The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.
4. Bank of China credit card
Bank of China has more credit cards, which are preferred for overseas purchases. If you do a lot of overseas purchases, it is strongly recommended to buy a Bank of China card, because among all banks, Bank of China cards are the best for overseas purchases. Taobao has the most and best shopping activities, and from time to time there are cashback and instant discount activities.
5. Agricultural Bank of China Credit Card
Agricultural Bank of China represents the characteristics of state-owned banks: it is difficult to approve cards. Even if you have a house and a car, it is still difficult to apply for a card, and the counter review is slow. However, it cannot be said that it is not entirely bad. The feature of the Agricultural Bank of China credit card is the annual Watsons Saturday event, which offers an instant discount of 60 yuan for purchases over 120 yuan, which is quite impressive.
Key points for applying for a credit card:
Comprehensively consider the purpose, application threshold, benefits, limit currency, installment interest, interest-free period length, etc., and finally choose a card that suits you credit card.
Benefits enjoyed
Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free transaction fees, high aviation accident insurance, and free annual fees. etc. In addition to these basic rights and interests, it also depends on the number of local preferential activities and whether the points are valuable
Applying a local bank
Cards with many local activities: There are a lot of factors involved in applying for a credit card The reason is to enjoy the activity. And cards with many local banks will naturally have more activities. So be sure not to apply for a credit card from a local bank, otherwise you will basically miss out on the event.
What are the credit cards with the best reputation in China?
The credit cards with the best reputation in China include: Huaxia, CITIC, China Merchants, Ping An, and Bank of Communications.
1. Huaxia
Huaxia Bank officially issued Huaxia Credit Card on June 18, 2007. Hua Xia Bank's first series of credit cards are divided into three types: ordinary card, gold card and titanium card. In terms of product function design, Hua Xia Credit Card has launched a number of innovative functions and services;
In terms of credit card limit and repayment period , interest-free policies and other aspects are innovative. The issuance of Hua Xia Credit Card is a major progress in the strategic cooperation between Hua Xia Bank and Deutsche Bank. It also marks Hua Xia Bank's first entry into the Chinese credit card market.
2. CITIC
On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market.
3. China Merchants Bank
China Merchants Bank Credit Card Customer Service Center was named "China's Best Call Center of the Year" as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference , is the only award-winning unit in the domestic financial industry. In 2002, China Merchants Bank realized integrated and professional credit card services.
4. Ping An
Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the credit consumption of credit cards, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".
5. Bank of Communications
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals for life and career" , have pursuits, know how to enjoy, and are more willing to struggle, and sometimes there are people who want to study, do business, research or travel abroad.
Bank of Communications Credit Card is also a group of people with high living standards and willing to try new consumption habits. "Bringing together the dual advantages of global and local, with the theme of "Chinese Global Card", it advocates a new consumer culture and card experience, and provides preferential treatment and considerate services all over the world.
Which bank’s credit card is better?
The first choice is China Merchants Bank. It is the best credit card that I personally use. The card issuance is very fast and the credit limit is high.
Attached are the credit card information of major banks:
1. The four major commercial banks: Bank of China is very average, with low limits and few points. The activities are all about buying a few thousand for free in a certain shopping mall. , has no practical significance. Online banking is inconvenient. Repayment is convenient.
China Construction Bank has a lower limit, but it is easier to apply for a gold card. Others are the same as above.
There is no need to apply for Agricultural Bank of China. I applied for it for several months, but none of the branches submitted the form. It is a bank that does not pay much attention to the credit card business.
Industrial and Commercial Bank of China is worth applying for. The limit is high and the limits are superimposed. For example, if you apply for a card with a limit of 10,000, and then apply for another one with a limit of 10,000, then your The limit is 20,000. This is the only bank in China that offers overlapping credit limits. In addition, online banking is great and you can directly top up 5k at a time. Repayment is convenient.
P.S: I wonder if you are from Beijing? If so, do it now and you’ll get a free shield.
2. Banks with good credit card development: China Merchants Bank is the first to recommend. It has a high limit and is easy to apply for a gold card. The most important thing is that the points activity is very good and other activities are often launched. In addition, online banking is very convenient and easy to use. Repayment is quite convenient.
Secondly, China Guangfa Bank has the same reason as above, but there are fewer activities, so you need to pay attention to the website. Repayment is quite convenient.
3. Excellent small banks: I have to say CITIC Bank. I don’t know how it is in other regions. Beijing often launches 9 yuan movie-watching activities (you can spend 6 times). All the movies I have watched in the past 2 years are It’s 9 yuan (original price ranges from 70-110), and there are many other activities, so it’s worth checking out. However, the credit limit is average, repayment is inconvenient (it’s better if you have a card), and online banking is not convenient either. But the cards are all beautiful. It is important not to apply for a CITIC Express card, as this does not waive the annual fee.
China Everbright Bank has a high credit limit, and you can apply for a credit limit adjustment in half a year, which is usually doubled. The best thing is that it is a great way to give out points, often times the points, and online transactions also count as points, making it the only one in China. Repayment is inconvenient, online banking is quite convenient, but it’s not very comfortable for a one-time payment of 300 yuan.
Which bank is better for applying for a credit card
Each bank’s credit card has its own characteristics:
1. Ping An Bank: First compare the thresholds for applying for a credit card The bank with the lowest score is Ping An Bank. The reason why Ping An Bank can approve many credit cards that other banks cannot is because Ping An's big data is relatively powerful. In addition, Ping An Bank's credit cards often have larger credit limits than other banks' credit cards, so it is better for other banks. If your bank application for a credit card has not been approved or if you want to get more credit lines, you can try to apply for a Ping An Bank credit card;
2. Bank of Communications: One of the characteristics of Bank of Communications' credit card is that it offers great benefits The credit limit granted is relatively high, but Bank of Communications's risk control is very strict and it is difficult to apply;
3. China Merchants Bank: A major feature of China Merchants Bank's credit cards is that there are many activities and the activities last for a long time. For example, half-price on Wednesdays, the annual Ten-Yuan Storm, irregular cash withdrawals and points bonuses, and other activities. You don’t need to brush points every day. You can just participate in activities and brush points when there are events.
In addition, the credit card application rate is relatively high now. Credit cards that are more suitable for novices include China Merchants Bank’s Young Card, CITIC’s i Platinum, GF’s DIY Card, Bank of Communications’ Wal-Mart Card, etc.