It's best to use a credit card for a list! It's not just about saving money!

in real life, many people can't live without credit cards. Therefore, many friends will handle 1-2 credit cards or even more for themselves. What are the best credit cards to use in 219? Here, I will give you a brief introduction.

The best credit cards used in p>219 are: Everbright Tik Tok Co-branded Credit Card, China Construction Bank Longka Family Love Credit Card, China CITIC Bank I Platinum Credit Card, ICBC Aiche Plus Credit Card and ABC Burning Dream Credit Card.

Everbright Tik Tok Co-branded Credit Card

Everbright Tik Tok Co-branded Credit Card is a platinum card with no annual fee, which allows cardholders to enjoy VIP services at the airport, movies, food and singing in 1 yuan. In addition, those who buy Tik Tok and online celebrity in JD.COM can also participate in the random reduction.

CCB Longka Family Love Credit Card

If you are willing to pay some annual fees, CCB Longka Family Love Credit Card is one of the best credit cards. Cardholders can enjoy the green channel for medical treatment, free driving service, domestic airport/high-speed rail shuttle service, and activities of sending family calls.

citic bank I platinum credit card

citic bank I platinum credit card is one of the best credit cards in 219, which is more suitable for people who often fly. CITIC Bank I Platinum Credit Card can provide cardholders with 5 million aviation accident insurance, which can introduce a lot of insurance premiums to everyone.

ICBC car Plus credit card

ICBC car Plus credit card is worth using by the majority of car owners. ICBC AICAR Plus Credit Card can provide cardholders with a 6% cash back discount at the national designated China oil gas station every weekend, which can reduce a lot of car maintenance expenses for the majority of car owners.

ABC Dream Burning Credit Card

ABC Dream Burning Credit Card is also one of the best credit cards in 219, and the card design is full of positive energy. ABC Burning Dream Credit Card MasterCard enjoys currency conversion fee, and Platinum Card enjoys exclusive outbound WIFI for up to 6 days.

which bank is good for handling credit cards? Bank features and customer service phone list

1. ICBC credit card features

: There are more than 3, outlets in China, which is the bank with the largest number of outlets in China;

the largest circulation;

support AliPay, and it can be unlimited;

there is no handling fee for local cash withdrawal (my favorite);

international card quotas of different brands are independent;

customer service telephone number: 95588

Disadvantages: however, its bid threshold is too high and the quota is too low; Poor service attitude (especially in branches); Such a big bank doesn't have 8 telephones, and 4 is not open to individual users;

suitable for people: suitable for friends who have no local joint-stock commercial banks and often like to withdraw cash by overdraft.

2. CCB Credit Card

Features: more network points;

Compared with the other three state-owned banks, the application threshold is lower;

The cash withdrawal fee is low (overdraft cash withdrawal supports minimum repayment

Customer service telephone number: 8-82-588

Disadvantages: the amount is generally low and the withdrawal amount is slow; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

suitable for people: suitable for friends who don't have joint-stock commercial banks locally.

3. China Bank Credit Card

Features: It was issued in 1985 and was the earliest credit card issuer in China;

overdraft cash is counted as points;

customer service telephone number: 4-669-55668-82-5288 (international card) 95566

(customer service telephone number is of high-end atmosphere! )

Disadvantages: the account cancellation has to go to the business outlets; Low quota (a common problem of state-owned banks) and slow promotion; 8 only for Great Wall International Card; Alipay is not supported; Overdraft withdrawal does not support minimum repayment;

Suitable for people: Olympic cards are suitable for collection.

4. Agricultural Bank Credit Card

Features: more network points; 56 days long interest-free period;

Customer Service Tel: 8-819-559995599

Disadvantages: high application threshold, long cycle and generally low quota; I feel that the bank does not attach great importance to the credit card business; Suitable for the crowd: suitable for friends who do not have joint-stock commercial banks in the local area.

5. Features of China Merchants Bank Credit Card

: The application threshold is extremely low, and the points are permanently valid;

online banking is powerful and easy to operate, and supports AliPay;

There are often over-priced group purchases, and there are many activities and patterns;

the one-card function is good, and all aspects of financial management are also good;

all cards are combined into one bill (easy to repay);

There are many kinds of cards and beautiful designs

Customer Service Tel: 8-82-555595555

Disadvantages: the integral policy is very inhuman (2 yuan scores one point, regardless of zero);

the interest-free period is the shortest among all issuers, and the shortest is 18 days;

all cards are combined into one bill (inflexible);

The online payment limit is too low (5 yuan)

Suitable for people: suitable for friends who value service more than points.

6. Bank of Communications Credit Card

Features: low application threshold and fast withdrawal;

56 days long interest-free period;

YP card can be fully withdrawn;

AliPay is supported, and the online payment limit is high (1, yuan);

customer service telephone number: 8-988-888895559

Disadvantages: the staging operation is complicated; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; Integral is not permanently valid;

Suitable for the crowd: If you often buy household appliances, the "Suning Card" is not bad, with double Suning points.

7. Shanghai Pudong Development Bank Credit Card

Features: The gold card can enjoy the special merchant service of "CITIBANK" overseas;

you can print photos;

the value of gifts given at activities is high;

customer service telephone number: 8-82-878895528

Disadvantages: few outlets; High bid threshold; You have to spend a certain amount to avoid the annual fee (2, for a general card and 5, for a gold card);

The overdraft withdrawal fee is high (3%, the lowest 3 yuan)

Suitable for the crowd: I feel that every card in Pufa is fashionable in appearance and suitable for collection.

8. Minsheng Bank Credit Card

Features: high integral value; Staging does not occupy the quota;

it's not bad to have a lawyer in the gold card; There are also business travel reservations (hotels and restaurants) that are quite good;

the p>ID card is very personal, that is, it needs a business card printing fee;

there is no handling fee for cash withdrawal;

customer service telephone number: 955688-81-88

Disadvantages: few outlets; Support Alipay, no more than 1 each time and no more than 5 every day;

suitable for people: suitable for friends who value points. It's easy and convenient to apply for a gold card.

9. Industrial Bank Credit Card

Features: Support "Tenpay" repayment; The "Golden Card" can enjoy the VIP room service at the airport;

customer service phone number: 95561

Disadvantages: no 8 and 4 customer service; Less outlets;

Discrimination against agricultural registered permanent residence and men; Online shopping is not supported;

there is a handling fee for opening the zodiac card;

suitable for people: suitable for friends who often fly and don't want to pay the annual fee of platinum card.

1. Guangdong Development Bank Credit Card

Features: 1% withdrawal can be made after half a year;

56 days long interest-free period; The starting point of "everything" is low (as long as 5 yuan);

there is a 48-hour card loss guarantee;

support AliPay;

customer service telephone number: 9558

Disadvantages: there are no 8 and 4 telephones, and the customer service telephone numbers are set up by local branches; Less outlets;

suitable for people:: suitable for friends who like full cash withdrawal and low starting point installment.

11. CITIC Bank Credit Card

Features: Easy to apply; There are 4 telephones;

The installment amount is relatively high (up to 5 times) and does not account for the amount;

support AliPay; The operation and interface of online banking are very simple and convenient

Customer service telephone number: 488-9555895558

Disadvantages: few outlets; Customer service attitude is average; Don't forget to pay back. You owe 3 yuan at a time!

suitable for the crowd: friends who need to cash out by stages, buy electrical appliances in Gome and Suning and travel abroad frequently.

12. Credit card of Shenzhen Development Bank

Features: It is basically useless, but a "Wal-Mart Imagination Card" feels ok;

the quota of international cards and domestic cards is separated;

customer service telephone number: 9551

Disadvantages: the quota is generally low; Less outlets; There are no 8 calls; The customer service phone is difficult to connect, and the Wal-Mart Imagination Card Line 4-688-6888 is relatively easy to connect.

suitable for people: suitable for friends who often go shopping at wal-mart.

13. Credit card of China Everbright Bank

Features: you can avoid the annual fee by swiping it for 3 times; Foca small card can be automatically divided into 12 periods (of course, there is a handling fee)

Customer service phone number: 95595

Disadvantages: there is no 8 phone number; 8 yuan points, points can not be exchanged for gifts; Less outlets; People with more than six bank credit cards are basically not approved;

suitable for people: suitable for collection.

after reading the above article, you should know which bank to apply for a credit card, right? Actually, personally, there are four major banks with many outlets (ICBC, CCB, BOC and ABC), and the service attitude is China Merchants Bank first, but the threshold for applying for CCB is relatively low. If you have an appearance association, you can choose Industrial Bank, and fans can choose CCB's theme series cards, such as the popular

list of the top 1 banks' credit card temporary withdrawal time and validity period, and you can choose

where to spend money at the end of the year. However, credit cards also have a limit, and a few large ones will be gone. It doesn't matter. It is difficult to raise the fixed quota in a short time. We can look at the temporary quota. I have sorted out the temporary withdrawal time and validity period of credit cards of major banks, and quickly see which one you meet.

time list of temporary credit card withdrawals of major banks

1. Industrial and Commercial Bank of China: After the card is opened, there is no time limit for the temporary credit line to be raised for the first time. But if you want to mention it again, it must be in a month. In addition, the temporary credit line of ICBC is valid for 6 days, and it will be invalid after it expires.

2. Agricultural Bank: It is not difficult to increase the temporary credit line of Agricultural Bank. There is no time limit. You can apply by calling customer service. As for the validity period, it is also 6 days.

3. China Construction Bank: After the card is opened, it must be two months before you can apply for an increase in the temporary line, and it will take another month. The validity period of the temporary credit line of CCB is quite long, with

9 days

4. China Merchants Bank: Like Agricultural Bank, there is no time limit for the temporary credit line of China Merchants Bank. You can apply by calling the bank's customer service number. The validity period is short,

only one month

5. Bank of China: The repayment record is required for the first time to withdraw the temporary line, and there is no time limit for the second time. Valid for 6 days.

6. Bank of Communications: Bank of Communications has a proud credit card. If you want to get the temporary quota smoothly, you can only wait for the initiative of the bank, and the time is uncertain. Its validity period cannot exceed 3 months at the longest.

introduction of dry goods

dry goods! Summary of installment fees of banks (16)

Comparison of installment fees of banks. Come and see which one is cost-effective

7. Guangfa Bank: After holding the card for 6 months, you can apply for increasing the temporary limit. If the amount is raised again, it will take six months. As for the period of validity, it is uncertain, about 2-5 days.

8. Huaxia Bank: The first withdrawal amount is the same as that of Guangfa, which is 6 months. However, the second offer was shortened to two months, and the validity period was one month.

9. China Everbright Bank: No matter whether it is the first time or the second time, it is 3 months, and the temporary line is valid for 45 days.

1. Minsheng Bank: If you want to increase the temporary quota, you can apply after holding the card for 6 months, and then briefly see the bank's mood and whether to invite it or not. In addition, the temporary quota for people's livelihood is only valid for 15 days, which is of little significance.

a temporary credit card line, which is different from a fixed line, should be used within the validity period, and it will be invalid after it expires. Also, the temporary limit must be paid off in one lump sum before the current repayment date, and it cannot be repaid in installments or according to the minimum repayment amount. If

the temporary line fails to repay on time

, it will be deemed as overdue

. This is also a point that many people recruit. Please remember to pay it off in time after the amount is raised.

Life-long annual fee-free credit card list of 15 banks

1. Industrial Bank:

During the promotion period, all those who apply for large cards and small cards are free of annual fee for life, and VIP members of Tianjin Friendship Commercial Building Gold Card and Super VIP members can directly enjoy life-long annual fee-free credit card.

2. Industrial and Commercial Bank of China:

Peony Platinum Credit Card has accumulated 4 million points, and other credit cards will be free of annual fees for life as long as they have been used for ten years.

3. China Construction Bank:

Red Cross co-branded card and official card

4. China Merchants Bank:

Samsung and Olympic VISA small cards

These two cards are also free of annual fees for life, but unfortunately, the small cards are single-currency US dollar cards,

5. China Everbright Bank:

Beijing housing special maintenance fund card

6.

8. Shenfa Bank:

Shanghai Youth Card

If the cardholder chooses to use the credit card function, and is in the period of full-time students' study, as well as poor and outstanding young people recognized by the Communist Youth League Committee, the bank will be exempted from the annual fee, and if the debit card function is selected, the annual fee will not be charged;

9. Bank of Communications:

1. Agricultural Bank:

11. China CITIC Bank:

12. Huaxia Bank:

. You can get rid of the annual fee for life by paying the annual fee for the first year in 7 yuan.

13. China Postal Savings Bank:

14. China Bank:

15. Bank of Ningbo:

Which banks have credit cards that exceed the limit? List of credit card overrun information of banks!

Credit cards are widely used in life, and they are also loved by young people. However, in many cases, the credit card limit is always insufficient, and it is not so easy to raise the amount. It is also common to maxed out. I heard that credit cards still have an over-limit limit, and they can continue to be used even after all the limits have been swiped. So which banks have over-limit credit cards? Let's take a look together.

1. Banks with over-limit credit lines

Industrial and Commercial Bank of China:

ICBC credit cards need to charge a certain over-limit fee, which is generally 5% of the over-limit credit line.

Agricultural Bank:

The credit card of Agricultural Bank of China also provides an over-limit amount, and the over-limit fee is 5% of the over-limit amount.

Bank of China:

BOC Great Wall Global Link series products provide over-limit credit cards, and charge 5% of the over-limit part, but the fee is temporarily exempted.

guangfa bank:

the over-limit line of guangfa bank is 1% of the credit line, and the fee is also 5%, which is the lowest in 1 yuan.

Ping An Bank:

Ping An Bank can also provide an over-limit amount, and the fee is 5% of the over-limit amount. The minimum charge is 1 yuan, which is not charged at the preferential stage.

Industrial Bank:

Industrial Bank needs to pay back in full after the card is swiped over the limit. There is no separate charge for the over-limit part, but overdue interest will be charged.

2. banks that actively open the application

Minsheng Bank:

The overrun function of Minsheng Bank is not opened by default.