Which bank has the best credit card?
I like to answer questions about credit cards, because I have basically applied for all credit cards from domestic banks in China.
Haha.
Below are the answers.
1. The four major commercial banks: Bank of China is very average, with low quotas and few points. The activities are all about buying thousands for free in a certain shopping mall, which has no practical significance. Online banking is inconvenient. Repayment is convenient.
China Construction Bank has a lower limit, but it is easier to apply for a gold card. Others are the same as above.
There is no need to apply for the Agricultural Bank of China. I have applied for several months, but the branches have not submitted the form. It is a bank that does not pay attention to the credit card business.
Industrial and Commercial Bank of China is worth applying for. The limit is high and the limits are superimposed. For example, if you apply for a card with a limit of 10,000, and then apply for another one with a limit of 10,000, then your The limit is 20,000. This is the only bank in China that offers overlapping credit limits. In addition, online banking is great and you can directly top up 5k at a time. Repayment is convenient.
P.S: I wonder if you are from Beijing? If so, do it now and you’ll get a free shield.
2. Banks with good credit card development: China Merchants Bank is the first to recommend. It has a high limit and is easy to apply for a gold card. The most important thing is that the points activity is very good and other activities are often launched. In addition, online banking is very convenient and easy to use. Repayment is quite convenient.
Secondly, Guangfa Bank has the same reason as above, but there are fewer activities, so you need to pay attention to the website. Repayment is quite convenient.
3. Excellent small bank: I have to say CITIC Bank. I don’t know how it is in other areas. Beijing often launches 9 yuan movie watching activities (you can pay it up 6 times). All the movies I have watched in the past 2 years are It’s 9 yuan (original price ranges from 70-110), and there are many other activities, so it’s worth checking out. However, the credit limit is average, repayment is inconvenient (it’s better if you have a card), and online banking is not convenient either. But the cards are all beautiful. It is important not to apply for a CITIC Express card, as this does not waive the annual fee. PA18315983811
China Everbright Bank has a high quota. You can apply for a quota adjustment in half a year, and the quota will usually increase by 1 times. The best thing is that it is a great way to give out points, often times the points, and online transactions also count as points, making it the only one in China. Repayment is inconvenient, online banking is quite convenient, but it’s not very comfortable for a one-time payment of 300 yuan.
4. Other banks: Bank of Communications, online banking is convenient and repayment is convenient, but there are no other advantages.
There are occasional activities for people's livelihood (milk delivery and the like), but there are no other advantages. If you have a local household registration, the credit limit is high.
Shenzhen Development Bank has no advantages, so I canceled my card.
Xingye has no other advantages in dealing with platinum card transactions.
China has no advantages.
Bank of Beijing, platinum card is easy to apply for.
Which bank is the easiest and fastest for credit cards?
Generally speaking, joint-stock banks have relatively lower thresholds, and it is faster to get a card.
List the advantages and disadvantages of several bank credit cards:
1. China Merchants Bank Credit Card
Advantages:
1. The application threshold is extremely low. Points are permanently valid;
2. Online banking is powerful, easy to operate, and supports Alipay;
3. There are often value-for-money group buying products, and there are many activities and tricks;
4. All cards are combined into one bill (convenient for repayment);
Disadvantages:
1. The points policy is very inhumane (20 yuan points for one point, not counting zero);
2. The shortest interest-free period is 18 days;
3. There is no SMS reminder for small purchases;
2. Bank of Communications credit card
Advantages:
1. Low application threshold and faster quota increase;
2. 56-day long interest-free period;
3. 100% 100% cash withdrawal;
4. YP card can withdraw 100% cash; undergraduate students are directly approved for a 5,000 limit;
5. Alipay is supported, and the online payment limit is high (10,000 yuan).
Disadvantages:
1. The installment operation is relatively cumbersome;
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;
3. Points are not permanently valid;
4. For text message charges, you can pay 48 a year without worrying about using the card, so you dare to pay a small annual fee;
5. Repayment is not very convenient;
6. YP card points are calculated independently and cannot be redeemed for miles.
3. ICBC Credit Card
Advantages:
1. With more than 30,000 outlets, it is currently the bank with the most outlets in China;
2. Alipay is supported, and there is no limit;
3. There is no handling fee for local cash withdrawals;
4. The limits of international cards of different brands are independent.
Disadvantages:
1. The application threshold is too high and the quota is too low;
2. The service attitude is poor;
3. No 800 and 400 are not open to individual users;
4. China Construction Bank Credit Card
Advantages:
1. Many network points;
2. Compared with the other three state-owned banks, the application threshold is lower;
3. The cash withdrawal fee is low (0.5%);
Disadvantages:
1 , The limit is generally low, and the limit increase is slow;
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated.
Which bank is better for personal credit cards?
In addition to the strength of the bank, it is also convenient for you.
The best thing about credit cards is investment promotion. The promotion of banks, especially student credit cards, is similar to that of Guangfa. The annual fee is waived in the first year, and the annual fee is waived for the next year after spending 6 times a year. There is also marketing such as points gifts.
CCB’s student credit card The Dragon Card is free of annual fees for the next three purchases, and there is a 0.5% handling fee for cash withdrawals when there is a cash balance in it, which is half of other banks. Other banks have a 1% handling fee for cash withdrawals. The investment fee is 1%, but it is only 10 Starting from Yuan, that is to say, if you withdraw 900 Yuan, you will also be deducted 10 Yuan.
Credit card cash withdrawals are subject to handling fees, so it is usually best not to deposit too much money. After all, it is a function for overdraft consumption. , it is best to apply for a debit card associated with this bank, which can automatically transfer the money on the repayment date.
What I understand is the preferential policy of the student card. The YOUNG card of China Merchants Bank can withdraw cash for the first time every month. There is no handling fee, but the many benefits of the student card also determine that the overdraft amount of the card is not large. The merchant overdraft is 3000, the cash overdraft is only 1500, and there is an interest of 0.05% on the cash overdraft, and the CCB is 1500 consumer overdraft. Limit. However, the credit limit of the regular gold card that adults need to apply for will be much larger.
Generally, the annual fee is waived in the first year, and the second annual fee is waived after N purchases in the same year. Each bank is different. China Merchants Bank If you swipe 6 times, you will be exempted from the next year. For Bank of China, you can swipe 5 times, for CCB, 3 times, for Bank of Communications, 12 times. For ICBC, you need to spend at least 2,400 yuan. For Minsheng, if you swipe 6 times, you will get 120% of the annual fee in cash.
Of course. The four major commercial banks have many branches, and the services of other joint-stock banks are better... The bank's credit cards will also cooperate with other foreign banks or famous companies. The dual-currency credit card of Bank of Communications is jointly issued with the Hong Kong and Shanghai Banking Corporation, and China Construction Bank has a bank in Wenzhou The branch of Delixi Enterprise has jointly launched the Delixi Long Card credit card. Other banks also have their own partners. You can weigh and choose the one that suits you. Other functions of the credit card, such as booking hotels and air tickets, shopping mall discounts, etc., are all in cooperation with the bank. Partners have a lot to do with it.
I want to apply for a credit card, which bank has the fastest credit card?
Now basically you can get your credit card within a month after submitting the application. . I have only encountered this situation once in a month and a half, and it was a Bank of China credit card.
Other banks take 20 working days.
If you want to apply, you should base it on your actual situation. China Merchants Bank and CITIC Credit Card are doing well. The threshold is lower than that of the four major banks, but it is still higher than that of Guangfa and Minsheng. If you can issue proof of income, you can consider applying for one from these two banks. There are many activities, good service, and the fees are transparent and reasonable. And if you want to pay online, it is very convenient.
People’s Livelihood is now starting to take the high-end route, but the threshold is still low and activities are available. If you want to apply for a higher limit, the chance is higher
Other banks, such as Guangfa, Shanghai Pudong Development and Everbright, can consider applying.
Which bank has the fastest credit card processing
Ping An and CITIC. .
My Ping An Online Application No. 9 was passed on the 11th and received on the 14th. Challenge the limit!
It’s faster to apply online. When filling out the form, you need to check express delivery
Which bank offers the easiest and fastest credit card application?
Everbright Bank, CITIC Bank, I recently applied for a Pacific Bank of Communications credit card. Our company only provided a copy of the credit card I had used for more than half a year and a copy of my ID card. I filled out a form. I received it within a month, it was very easy and fast. But you have to find the business people who handle credit cards. They have commissions. The success rate of your card application will increase. It is best not to go to the bank. Getting on the pole is not a transaction
Which bank is the fastest to issue credit cards?
Generally speaking, joint-stock commercial banks are faster. The faster ones include China Guangfa Bank, China Merchants Bank, Bank of Communications, Shanghai Pudong Development Bank, Industrial Bank, etc.
Which bank has the fastest credit card application
In fact, the processing time for credit cards from all major banks is similar, usually about 15 working days. Of course, there may be special circumstances, such as Delays at the bank or delays during mailing are possible. Let’s compare it with the ICBC credit card to illustrate the question of which credit card is the fastest to process.
If we want to apply for an ICBC credit card, we should first fill out an application form. The general application form is applicable to Peony International Card, Peony Credit Card and Peony Credit Card. Applicants should also meet certain conditions, that is: they are over 18 years old and have full capacity for civil conduct; individuals with a fixed residence and stable income can apply for a Peony Card from the Industrial and Commercial Bank of China.
Only if you meet the conditions for applying for a credit card, fill out the application form, and provide the information required by the bank, will you have the right to wait for the bank’s card issuance notification.
Currently China Everbright Bank has launched an instant self-service card issuance system. Compared with other credit card application methods, Everbright's DIY credit card instant self-service issuance system sets a precedent for convenient and fast credit card issuance services with an average processing time of 60 seconds.
Which bank is the fastest to apply for a credit card and issue the card the fastest?
The fastest online application is CITIC Bank. It is said that someone once applied for a credit card in one day.
The second fastest is Guangfa.
Other banks that say they are fast are basically trying to sell people off. In particular, the business even sells horse meat.
Which bank is the fastest to apply for a credit card?
In fact, the processing time for credit cards of all major banks is similar, usually about 15 working days. Of course, there may be special circumstances, such as Delays at the bank or delays during mailing are possible. Let’s compare it with the ICBC credit card to illustrate the question of which credit card is the fastest to process.
If we want to apply for an ICBC credit card, we should first fill out an application form. The general application form is applicable to Peony International Card, Peony Credit Card and Peony Credit Card. Applicants should also meet certain conditions, that is: they are over 18 years old and have full capacity for civil conduct; individuals with a fixed residence and stable income can apply for a Peony Card from the Industrial and Commercial Bank of China.
Only if you meet the conditions for applying for a credit card, fill out the application form, and provide the information required by the bank, will you have the right to wait for the bank’s card issuance notification.
Currently, China Everbright Bank has launched an instant self-service card issuance system. Compared with other credit card application methods, Everbright's DIY credit card instant self-service issuance system sets a precedent for convenient and fast credit card issuance services with an average processing time of 60 seconds.