Bank credit card ranking?
list of well-known (famous) credit card brands in China (217): including the top ten credit card brands+Pufa Credit Card, Minsheng Credit Card, Xingye Credit Card, JD.COM White Bar and Ant Flower Bai. Huaxia Credit Card
Six international credit card organizations: VISAInternational, MasterCardInternational, ChinaUnionPay, AmericaExpress, DinersClub and JCB
Extended information:
Credit card, also known as credit card. Based on credit, it is a simple credit service to make payment after consumption in the form of non-cash transaction.
the main usage of credit card is overdraft consumption. That is, use the overdraft limit provided by the bank for cardholders to spend by credit card. Credit card spending does not charge any fees within a certain period of time. In addition, credit cards can also be overdrawn for cash withdrawal, but there is no interest-free period for overdrawn cash, and interest will be calculated on the day of withdrawal, and a handling fee will be charged.
in addition to the above two basic purposes, credit cards also provide cardholders with services such as installment repayment, consumption points and exclusive rights. If the cardholder can spend rationally and repay on time, there are still many benefits to using credit cards.
Reference: I love my card
Which bank's credit cards are easy to use in p>217
The basic functions of credit cards are the same, such as credit card consumption and online payment. China Merchants Bank will launch different preferential and promotional activities for different credit cards from time to time. As your personal preferences are different, I suggest you choose according to your own preferences. If you need to know the details of the credit cards launched by our bank, please log on to the credit card website.
The best credit card for Alipay
1. ICBC Struggle Credit Card. ICBC has no time tolerance. As long as it is overdue, it will report the credit. However, this credit card has a three-day time repayment period, giving some sloppy people a certain repayment time. Moreover, there are many ICBC outlets, and there is no handling fee for swiping cards abroad.
2. beautiful mother credit card of ABC. This credit card is more suitable for Bao Ma, buying things for herself and her children and offering preferential activities.
3. Bank of Communications Wal-Mart Credit Card. This is a co-branded card. Housewives who love shopping and shopping in the supermarket can choose this credit card, and they can enjoy double points when shopping in the supermarket. There are many gifts that can be exchanged for points. The types of cards are mostly shopping cards such as leisure and entertainment, major supermarkets, electrical stores and car shops.
4. China merchants bank Young card. YONG card has a high credit line. After all, it is a commercial bank, and the formalities for handling the card are simple and the threshold is low. However, as long as it is an online application, the salesman will come to the door, and it is not easy to get off the card if there is no job, but it is quite good for small white-collar workers who have just gone to work.
and the rights and interests are better, such as double points for birthday month, free handling fee for the first cash withdrawal every month, three card opening gifts, and many other preferential activities. But after all, it's a young card, and only people under the age of 3 can apply.
Alipay's credit card processing requirements are not high, unlike banks, which are very strict with applicants' credit conditions. Therefore, those with average credit conditions can apply for a card through Alipay.
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. [18]
The credit card stipulated in the relevant laws of our country (Interpretation of the NPC Standing Committee on the Provisions on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc.
On December 1, 217, the English Translation and Writing Standard for Public Service was officially implemented, stipulating that the English name of the CreditCard standard is Credit Card.
credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the BillingDate.
Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.
from January 1, 221, the credit card overdraft interest rate will be determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate will be cancelled (the original upper limit is .7 times of the daily interest rate, and the lower limit is .7 times of the daily interest rate).
On May 25th, 221, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Application method
In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
people who apply for credit cards can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China.
each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
generally, the application method is to fill in a credit card application form, and the contents of the application form generally include the name, basic information, economic status or income source, guarantor and its basic information of the applicant.
and submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.
the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.
what credit card is better for p>217?
if you meet the requirements of China merchants bank credit card application, you can try to apply. The most important conditions for applying for China Merchants Bank credit card are that they are 18-6 years old (foreigners are 25-6 years old), have certain economic ability and have a good credit record. Please refer to our actual audit for the credit card application results. The necessary application documents are a copy of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. If you are interested in China Merchants Bank Credit Card and have never held our credit card, you can apply in the following four ways: 1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer"; 2. Please bring your original identity certificate, work certificate and financial proof documents and go to the business outlets of China Merchants Bank in person; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application. 4. If you have applied for the professional version of our online banking, you can apply through the professional version. Remind you that the credit card verification will be subject to the final audit results.
Three entry-level credit cards are your first choice in 217.
If you want to have enough funds, you can apply for a credit card. In order to let everyone hit a wall in the process of applying for a card, so as not to be rejected by the bank every time, three entry-level credit cards were specially selected for everyone.
Of course, this entry-level credit card is not meant for some novices. Even if you have already applied for a credit card, you can consider these three credit cards. After all, they are not difficult to apply for, have good rights and interests, and also have very real preferential activities.
1. Minsheng in card
Minsheng in card is a credit card strongly introduced by Minsheng Bank, and a special discount page has been specially made for this card. The biggest highlight of this card is that the annual fee is free during the validity period of the card, and the handling fee is also free for cash withdrawal. There are also a variety of staging options, and you can also enjoy the discount of Alipay and Tenpay consumption points with this card.
If you use this card, you can also exchange 1 point for Starbucks large coffee. Cardmembers who like to go to Star Dad for coffee must seize the opportunity. In addition, if the card consumption reaches the standard, you can also participate in Minsheng Bank's Everyday People's Day, and you can enjoy the discount every day:
On Monday, you can have coffee in 1 yuan, on Tuesday, you can exchange 1 yuan for Haagen-Dazs ice cream balls, on Wednesday, you can get points to grab the installment fee red envelope, on Thursday, you can get the 1 yuan car wash coupon, on Friday, you can get the food coupon redemption code, on Saturday, you can get the 3 yuan movie coupon, and on Sunday, you can enjoy a discount of 1 lire less 5 yuan.
2. Bank of Communications Wal-Mart Credit Card
Wal-Mart Credit Card is an evergreen tree of Bank of Communications, which can double points for in-store consumption, enjoy exclusive Wal-Mart shopping discounts, and exchange credit card points for credit card payment. Card friends who are proficient in bonus hunter can get thousands of yuan in feedback every year by using this card, which can be described as a wool weapon.
There are two main activities in terms of discounts, both of which can be refunded separately. One is "Daily Discount", and the other is the "Most Red Star Period Five" supermarket activity of Bank of Communications:
1. Wal-Mart Supermarket can enjoy the bonus of this transaction every day if it spends more than 128 RMB on this card and meets other participation conditions;
2. For the "Red Star Five" supermarket activity, you can enjoy a 5% credit card bonus for this transaction every Friday.
3. Guangfa DIY Credit Card
Guangfa DIY Card focuses on the high performance-to-price ratio of DIY. When others spend 1 yuan, they get 1 point, while when you spend 1 yuan, you get 3 points. The points can also be deducted from the credit card consumption at a ratio of 5: 1, which can be described as killing two birds with one stone.
when opening a DIY card, you can choose one of the three merchant types with 3 times points, and these three merchant types are: catering, entertainment, shopping and travel. Of course, if you pursue brainless credit card swiping, please spend 58 yuan directly to select three categories when applying, and DIY cards blessed by three categories can also go all over the world with one card!
This concludes the introduction of the best credit cards and the top ten credit cards in 217. Have you found the information you need?