Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.

According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.

1. China Merchants Bank Credit Card

The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.

Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.

2. Bank of Communications Credit Card

It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.

The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

3. Ping An Bank Credit Card

Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.

4. CITIC Bank Credit Card

It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.

Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.

Verb (abbreviation of verb) Guangfa Bank Credit Card

Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.

6. China Everbright Bank Credit Card

It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.

In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.

Bank of Communications Credit Card or China Merchants Bank Credit Card?

Welcome to our credit card. The basic functions of credit cards are the same, such as credit card consumption, online payment at home and abroad, cash advance, installment payment, credit card points, accumulated credit, and interest-free period of up to 50 days. Different credit cards will launch different offers and promotions from time to time. Due to different personal preferences, I suggest you choose according to your own preferences. If you need more information about the credit cards currently launched by China Merchants Bank, please log on to the credit card website and click.

Which is better, China Merchants Bank Credit Card or Bank of Communications Credit Card?

Which is better, China Merchants Bank Credit Card or Bank of Communications Credit Card?

1、

Bank of Communications has a long interest-free period.

China Merchants Bank generally takes 18 days, and Bank of Communications takes 25 days.

2、

China Merchants Bank supports multi-card repayment for one account.

If Bank of Communications has two or more credit cards, and both of them have expenses, they should repay separately, because a credit card is an account. Take China Merchants Credit Card as an example. No matter how many credit cards are in your name, they are all in the same account, and many cards have consumption. As long as one card repays, there is no need to repay separately.

3. Credit card limit

The two lines are shared.

The quota of the two banks is shared, so it won't be said that you apply for more credit card quota.

4、

China Merchants Bank can apply for withdrawal within 3 months.

China Merchants Credit Card can apply for withdrawal every three months, and it is convenient to send text messages or apply online. However, it takes half a year for Bank of Communications to apply for cash withdrawal, and manual review is more troublesome.

5、

China Merchants Bank Card has various designs.

There are more card lines on China Merchants Credit Card and fewer on Bank of Communications.

6、

China Merchants Bank points are permanently valid.

China Merchants Bank's points are permanently valid, and Bank of Communications has a certain time limit.

7、

There are many preferential activities of China Merchants Bank.

There are many preferential activities and cooperative businesses of China Merchants Bank, and Bank of Communications is average.

8、

The credit card limit of Bank of Communications is very large.

As far as the current policy is concerned, Bank of Communications is easier to apply than China Merchants Bank, and the amount of cards issued by Bank of Communications is also relatively large.

China Merchants Bank, Bank of Communications, ICBC and China Construction Bank, which credit card is practical?

1 China merchants bank credit card, the down payment is free of charge, and the down payment is monthly. The points of China Merchants Bank are also quite good, and there are many activities. Anyway, all major banks are similar, and online shopping is very convenient. Suggest Bank of Communications and China Merchants Bank. The advantage of Bank of Communications is that the card issuing speed is relatively fast and the amount is relatively large. The disadvantage is that it is difficult to withdraw the amount, and it is impossible to apply, so you can only contact the bank; The amount of China Merchants Bank is small, but it is easy to raise the amount after half a year; If you have real estate and the like, it is easy to handle the comparative accounting of CCB, with a large amount and a platinum level. \ No credit card can be recharged to Tenpay or Alipay. Can only buy, can't recharge, so don't think so much? That is a blatant peach fairy, absolutely impossible. \ \ All hands up, please adopt, I'll talk to you if I don't understand.

Which is better, China Merchants Bank or Bank of Communications?

1, interest-free period

The interest-free period of China Merchants Bank credit card is generally 18 days, and that of Bank of Communications credit card is 25 days.

2. Multi-card repayment for one household

If Bank of Communications uses multiple credit cards, the credit cards should be repaid separately, because one credit card belongs to one account. China Merchants Bank's credit cards, no matter how many credit cards are in their names, all share one account, and many cards have consumption. As long as one card repays, there is no need to repay separately.

3. Quota sharing

The quota of the two banks is shared, and it will be a little more if you don't have more credit cards.

4. Withdraw the application

It takes 3 months for China Merchants Bank to withdraw its credit card before it can apply. It is very convenient to send text messages or apply online. However, the credit card of Bank of Communications can only be withdrawn once every six months, and it is quite troublesome to manually review it.

Step 5 design

There are many types of credit cards for China Merchants, but few for Bank of Communications.

6. Integral

Credit card points of China Merchants Bank are permanently valid, and Bank of Communications has a certain time limit.

7. Preferential activities

There are many preferential activities and cooperative businesses of China Merchants Bank, and Bank of Communications is average.

8. quotas

Bank of Communications is easier to handle than China Merchants Bank, and the amount of cards issued by Bank of Communications is also relatively large.

So much for the good introduction of China Merchants Bank and Bank of Communications credit cards.