At present, the credit cards with good reputation and credibility in the market are: China Merchants Bank Credit Card, Ping An Bank Credit Card, Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card and so on. These are all good choices. Of course, the specific amount of credit card depends on personal qualifications. Which bank's credit card is best not to generalize, as long as it is suitable for users themselves. Here are some bank credit cards:
1. ICBC: convenient repayment, high credit card limit, but strict application conditions.
2. Bank of China: Low credit card, less activity points and convenient repayment.
3. China Merchants Bank: The success rate of card handling is high, the amount is relatively high, there are many activities, and repayment is also very convenient. Powerful function, multi-card integration, high efficiency, high quality service, adjustable consumer credit limit at any time, powerful online banking, lifelong points system, the latest card loss protection plan. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good.
4. CITIC Bank: There are many preferential activities and great incentives, but the credit line is average. The interest-free period is as long as 56 days, SMS reminders are free, and consumption details can be queried by SMS.
5. China Everbright Bank: the success rate of card processing is high, the amount is high, the withdrawal is fast, and there are many points activities.
6. Guangfa Bank does not need to submit any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully online, the people in the card center will contact you for credit extension within 15 working days. Results GDB card has powerful functions, favorable points policy, many preferential activities, prompt SMS reminder, mature online payment, support for Taobao Yi Bei, and available points. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan a month. Credit card merchants are not as popular as the four major banks, and online banking is very simple.
7. HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. The disadvantage is that the credit line cannot be restored immediately after repayment, and the credit card pass rate is relatively low.
8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent preferential activities are relatively rich. The validity period of points is not good for 2-4 years, but points can be exchanged.
Which credit card offers more discounts?
First of all, I think it's the best. The banks with the most discounts belong to China Merchants Bank, Bank of Communications and China CITIC Bank.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee 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. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. 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.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Which bank has more credit card activities?
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.
That bank's credit card swiping operation is simple, with many activities, more credit cards and more money.
The credit cards of China Merchants Bank, Bank of Communications and China CITIC Bank are simple to operate, with many discounts and many credit cards. According to the relevant content query, no matter what card China Merchants Bank does, it usually has gifts first, and the gifts are also good, such as helloKitty card and helloKitty.
Which bank has more credit card preferential activities?
1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.
2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.
3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.
4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.
What credit card activities are more?
First of all, I think it's the best. The banks with the most discounts belong to China Merchants Bank, Bank of Communications and China CITIC Bank, followed by joint-stock commercial banks such as Guangfa Bank and Industrial Bank.
Everyone should know that China Merchants Bank credit card has many preferential activities. The service of China Merchants Bank is also very good, with simple operation and high security. Generally, if the single consumption amount is large, the customer service will immediately call to confirm whether I paid it, so the quality service is really reassuring. There are also many activities with double points, such as using China Merchants Bank to book air tickets easily, triple points for hotels, delaying departure for 2 hours, and actively calling passengers with the same name savings card to solatium, 200 yuan. There is also a 50% discount area in integral mall, where all the gifts are good, and only 50% discount is needed.
The activities of Bank of Communications are very practical and close to the people. They don't earn any points and return cash directly. New customers who spend over 100 yuan for the first time on Friday will be given a 50 yuan credit card, and mobile banking will be activated to send them to 30 yuan, and automatic repayment will be sent to 40 yuan. Then go to the supermarket every Friday and spend 5% cash back with Puka or Gold Card 128 yuan and 10% cash back with Platinum Card. Car owners who refuel on Friday also have the same discount, which completely exceeds the range of each oil price increase (3% ~ 4%). In addition, to meet the consumption standards, there is a discount of 10 yuan for watching movies once a month.
CITIC Bank can be compared with China Merchants Bank in credit card business, and many activities are very innovative. For example, credit card points are generally considered worthless, but CITIC has 9 redemption activities, and 9 points can be redeemed for a Starbucks, or books below 35 yuan, or Wanda movie tickets, and so on. Compared with other banks, a few hundred points for a cup of coffee is really powerful. In addition, the platinum card of the central bank is called the most cost-effective platinum card, and its services are all real: platinum medical care, VIP travel, aviation security, accelerated points and so on. And now CITIC has a platinum card free annual fee activity. If you spend 4 transactions of any amount within 60 days, you can enjoy the annual fee-free policy for the first year.
There are many credit card activities in Guangfa Bank. Starbucks often buys one for free, and people borrow wide cards everywhere every Friday. Now there is 8 yuan's activity to kill the sports ground. In addition, some targeted cards have been introduced, such as Taobao card and international student card. Another advantage of Guangfa Credit Card is that there is no handling fee for cross-bank repayment.
This concludes the introduction about which bank has more credit card activities and which bank has more credit card activities. I wonder if you found the information you need from it?