1. Different priorities.
Credit cards starting with 4895 should be standard platinum level and above credit cards; credit cards starting with 4367 should be regular or gold level credit cards. Credit cards with platinum level and above have more permissions and services than ordinary cards.
2. The usage methods are different overseas.
When traveling abroad, especially through the VISA network, cards with a final payment of 4895 have the preferential privileges of being credited in RMB for any foreign currency transaction and free of currency exchange fees. Therefore, when repaying the loan, you can repay it directly in RMB;
For cards with a 4367 credit card, when transactions are made in non-USD areas, the foreign currency traded will be converted to US dollars based on the exchange rate and then credited to the card's US dollar account. A currency exchange fee of 1.5% will be charged to the poster. When repaying the money, the poster can choose the day when the RMB is repaid to the credit card and call his home phone to arrange the foreign exchange repayment.
3. The annual fees are different.
For a credit card starting with 4895, if it is a standard platinum level, the annual fee is 580 yuan, and the membership card is 300 yuan. The annual fee will be waived if you make 10 card purchases or cash withdrawals each year (no limit on the amount).
For credit cards starting with 4367, regular cards, the annual fee is 80 yuan for the main card and 40 yuan for the subordinate card; the annual fee for the gold card is 160 yuan for the main card and 80 yuan for the subordinate card; both of these are for each The annual fee will be waived if you make 3 card purchases or cash withdrawals (no limit on amount) per year.
In addition, if it is a car card, the annual fee is 200 yuan, which cannot be waived by swiping a few times. However, the card has good services, including discounts on car washes, points for oil changes, and free road assistance.
See information source: Baidu Encyclopedia-CCB Credit Card Knowledge