Which bank's credit card is the most worth having?

Generally speaking, it is more appropriate for us to hold up to 6 credit cards. You can apply for credit cards of various banks according to your own consumption needs.

1, four major credit cards

The credit card approval of the four major banks is more urgent and strict than that of other banks, so we can handle the credit cards of the four major banks first, and then handle the credit cards of other banks. The reason for handling the credit cards of the four major banks is very simple, that is, the four major banks have the widest outlets, and most of our business in daily life is handled through the four major banks. Therefore, it is more convenient to handle the credit cards of the four major banks, which can avoid the problem of cross-bank handling in the follow-up business. It is also more favorable for subsequent bank loans.

ICBC credit card, BOC credit card, CCB credit card, ABC credit card, Bank of Communications credit card.

Introduction is as follows:

1, BOC credit card

China Bank Credit Card is an international standard credit card, with one card and two currencies, which is universal. No prepayment is required. You can spend easily at home and abroad with your card within the limit, and enjoy an interest-free loan for up to 50 days. China Bank has overseas branches in 20 countries and regions around the world.

China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence certificates and financial documents.

2. China Industrial and Commercial Bank Credit Card

China Industrial and Commercial Bank Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business card and personal card, and personal card is divided into main card and auxiliary card.

3. CCB Credit Card

CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "Dragon Cards", including exclusive cards, business cards and car cards.

2. China Merchants Bank Credit Card

China Merchants Bank has also become the "first bank in the universe", because China Merchants Bank has the largest market value and the widest network, and its services are getting better and better. In addition, China Merchants Bank also cooperates with a number of offline stores, and you can get certain consumption discounts by using China Merchants Bank credit cards, so the cost performance of China Merchants Bank credit cards is still very high.

Summary: The use of credit cards pays more attention to quality than quantity, so it is more appropriate for us to control the number of credit cards within six. At present, different banks have their own advantages in credit cards, so you can handle them selectively according to your own needs.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

What kind of credit card does the newcomer suggest?

Newcomers can consider the following credit cards when applying for credit cards:

1 China citic bank "Yan" series credit cards (gold cards)

CITIC Bank's "Yan" series of credit cards have low application threshold, convenient application and the fastest card issuance in one day; The annual fee is 200 yuan, and the annual fee for the first year can be waived if you swipe your card or withdraw cash once within 30 days after approval. You can waive the annual fee for the following year by swiping your card or withdrawing cash five times in one year, and so on. Free exchange of 9 points for vouchers such as Didi, Hungry, Box Ma Xiansheng, Tmall, JD.COM, audio-visual members such as iQiyi and Netease Cloud Music, and dining vouchers such as Xicha and Pizza Hut; You can also buy a movie ticket at a discount price for 9 yuan. In addition, for new users of CITIC Credit Card, Xiaomi backpack and 20 yuan McDonald's vouchers will be given. If they spend any amount within 30 days and spend six times in 99 yuan or above within 60 days.

2 Bank of Communications Y-POWER Credit Card (Puka)

Bank of Communications Y-POWER Credit Card (Puka) is aimed at students and young people, and the threshold for handling cards is low; 80 yuan annual fee is exempted in the first year, and the annual fee for the following year is exempted after 6 times of brushing; Domestic RMB cash withdrawal fees are as low as 5 yuan/pen; Consumption in 500 yuan can be repaid in installments; The longest interest-free repayment period is 56 days. New residents will complete any purchase of 1 before the end of next month, and complete three single purchases exceeding 168 yuan within 45 days from the date of card verification, so that they can exchange 5 points for Midea electric oven, Midea rice cooker and Jiuyang multifunctional rice cooker.

3 China Merchants Bank Youth Card

China Merchants Bank's young card application threshold is low, mainly for young users under the age of 30, which is more suitable for young people to apply. Moreover, the withdrawal amount of China Merchants Bank's young card can reach 100%, and the first withdrawal every month can be exempted from handling fees. In addition, you can enjoy double points when you spend your young card at China Merchants Bank. Installment payment is not restricted by specific commodities and merchants. After the bill is installment, installment repayment can also enjoy a longer interest-free period, and there is greater freedom in choosing the installment amount and number of installments.

As a novice, when handling credit cards, you should still choose the credit card that suits you according to your actual situation. In the process of using credit cards, you should use the credit card limit in accordance with the regulations and repay in full and on time to avoid overdue.

Which bank has the best credit card?

Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.

Supplementary information:

Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.

Extended data:

1. The application conditions of China Merchants Bank credit card are:

1. Applicant 18 to 60 years old, with China nationality.

2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.

3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.

4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.

The applicant should have good personal credit.

As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.

6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).

Two. Basic conditions for credit card of China Everbright Bank:

1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.

2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.

Which bank has a better credit card?

The better credit cards are China Merchants Bank, Bank of Communications, Industrial and Commercial Bank of China, China Construction Bank and China Bank.

1, "China Merchants Bank Credit Card": suitable for friends who value service over points. This kind of credit card not only has many kinds of cards and beautiful design, but also has low application threshold, permanent and effective points and convenient repayment. However, one credit card in 20 yuan is not counted as zero, and the credit policy is very inhuman. The interest-free period is 18 days, which is the shortest among all card issuers. You can call customer service at 800-820-5555 and 95555 for detailed inquiry.

2. "Bank of Communications Credit Card": Suitable for friends who often buy household appliances (Suning Card can enjoy double Suning points). The credit card application threshold is low, the withdrawal is fast, and the interest-free period is 56 days. With YP card, you can 100% cash withdrawal, but the credit card installment operation is cumbersome and the points are not permanently valid. The total consumption of all cards will not be automatically counted, so it needs to be repaid separately. You can call customer service at 800-988-8888 and 95559 for detailed inquiry.

3. "China Industrial and Commercial Bank Credit Card": Suitable for friends who don't have local joint-stock commercial banks and often like to withdraw cash by overdraft. This credit card is the bank with the largest number of outlets in China at present, and it can be withdrawn unlimited times, and there is no handling fee for local cash withdrawal. Different brands of international cards have independent quotas. However, this kind of credit card not only has high application threshold, but also has poor service attitude of branches. Without 800 telephones, 400 pages are not open to individual users. You can call customer service at 95588 for detailed inquiry.

4. "China Construction Bank Credit Card": Suitable for friends who don't have joint-stock commercial banks locally. Compared with the other three state-owned banks, this credit card has a lower application threshold, and the minimum repayment supports overdraft withdrawal. Credit cards, on the other hand, are generally low in amount and slow in cash withdrawal, and will not automatically count the total consumption of all cards, so they need to be repaid separately. You can call customer service at 800-820-0588 for detailed inquiry.

5. "China Bank Credit Card": It is suitable for collecting Olympic cards. This credit card is the earliest credit card issuer in China, and overdraft can be counted as points. However, the cancellation of this credit card has to go to the business outlets, and Alipay is not supported. Great Wall International only uses 800 credit cards, and overdraft withdrawal does not support the minimum repayment amount. You can call customer service telephone numbers: 400-669-5566, 800-820-5288 (international card) and 95566 for detailed inquiry.

Select comments:

1, select the appropriate card issuer.

The first step in choosing a credit card is to choose a suitable credit card issuer. Some credit card issuers have many preferential activities, and it is easy to apply for credit cards and issue cards. And some credit card issuers are just the opposite.

2. It is more convenient to cancel the card.

It is better for the credit card issuing bank to have a credit card outlet in the city where the address of the habitual residence is located, so it is more convenient to apply for and apply for a credit card. Otherwise, it is easy to apply for a credit card, and it is more troublesome to cancel it.

What kind of credit card should I apply for?

Bank of communications credit card. According to the way of credit card processing, Bank of Communications can get the card as soon as possible, and it will usually be received within one week after online application, so it is easy to apply, but the amount is small; Pufa credit card approval is also good, the amount is not large, but there are relatively many activities; Guangfa credit card is slightly stricter than the approval, but the amount is large, the card is not as fast as the bank, and there are many activities;

Everbright Bank approved it well, and the online application is generally 5000- 10000, with a relatively large amount and many activities; Huaxia credit card, the amount is relatively large, the approval is relatively loose, and there are fewer activities; The credit card of China CITIC Bank, the credit card quota of women is relatively large, the credit card quota of men is relatively small, and there are fewer activities. China Merchants Bank's credit card approval is slightly strict, the quota is ok, and there are many activities; The credit card audit of the four major state-owned banks is relatively strict, and the amount is relatively small.

1. According to the "20 13-20 17 China Credit Card Industry Deep Investigation and Investment Strategy Planning Analysis Report", since 20 10, the China government has implemented a prudent monetary policy and adopted a series of moderate austerity measures, which shows that macro-prudence and strengthening capital supervision have become the core of banking supervision in China. The analysis shows that the evolution of the industry structure has further optimized and diversified the product portfolio, and also increased the research and development of new industry standards and mobile payment; Deepen credit penetration; Staging business is developing in depth.

It is said that one day in 1950s, Frank McNamara, an American businessman, entertained guests in a restaurant in new york. After eating, he found that he forgot his wallet and had to call his wife to bring cash to the restaurant. He was deeply embarrassed, so McNamara came up with the idea of establishing a credit card company. 1 In the spring of 950, McNamara and his friend Schneider jointly invested110,000 US dollars to set up the Diners Club in new york, which is the predecessor of Diners Credit Card Company. Diners' Club provides members with a card that can prove their identity and ability to pay. With this card, members can spend money in 27 designated restaurants without paying cash. This is the earliest credit card. This kind of credit card, which does not need to be handled by a bank, belongs to commercial credit card.

This concludes the introduction of which credit card to apply for and which credit card to apply for without a landline. I wonder if you found the information you need from it?