The ICBC card is relatively better, and its functions are more comprehensive, because it not only contains the basic functions of the three major banks (Bank of China, China Construction Bank and China Agricultural Bank), but also provides a dynamic demonstration, which makes people feel very convenient and has the highest safety performance. Need to install patches to understand the security mystery, ICBC also divided into telephone banking, corporate banking and mobile banking! The functions provided by the online banking of China Construction Bank are relatively balanced in terms of both individuals and enterprises.
First, the difference between ICBC card and CCB card:
1. Interest-free period: 50 days for CCB, 20 days for ICBC, 56 days for ICBC and 25 days for ICBC.
2. In terms of outlets: ICBC is slightly more than CCB. Personally, after all, ICBC is known as the largest bank in the universe!
3. Cash withdrawal fee: CCB 1%, ranging from 2 yuan to 100 yuan, which is free of charge at local banks of ICBC.
4. Online banking: ICBC's online banking is good, and payment requires a password card or a U shield; Netease of CCB generally has it, and mobile phone dynamic password payment can also be used. Personal opinions are more convenient than ICBC.
5. Use abroad: depending on the channel, UnionPay, Visa or MasterCard, it has little to do with banks, but mainly card organizations.
2. China Construction Bank and China Industrial and Commercial Bank. There are many similarities in the overall functions of the two banks. For example, personal financial services, corporate financial services, electronic banking, etc. . Although there are many similarities, there are still many differences. Their respective responsibilities are still different. China Construction Bank, its online banking has the functions of account inquiry, online payment, online payment, transfer, online express remittance, bank and securities business, securities business, foreign exchange transaction and batch business. ICBC's online banking has the functions of account information inquiry, transfer payment, online payment, agency business, online payment and so on. , provides a dynamic demonstration, which makes people feel very convenient and has the highest security performance. In addition, there are telephone banking, corporate banking and mobile banking.
Three, the role of bank cards are:
1, consumption. Cardholders can spend money or pay service fees in special merchants in accordance with the scope and methods stipulated by the issuing bank. Usually, they can pay in cash by showing their bank cards and entering reserved passwords or showing their identity documents.
2. Deposit and withdrawal and exchange. Cardholders can use bank cards for deposits, withdrawals (including remote and inter-bank withdrawals) and remittances.
3. Use of the unit card. The company card is not allowed to deposit or withdraw cash, and all funds in the company card are transferred out of basic account and deposited. The unit card can handle the settlement of commodity trading and labor supply funds, but it shall not be overdrawn.
Which bank has the best credit card? These four banks are worth handling!
More than half of 20 19 has passed, and the competition among major banks has not stopped. As a user, it is most important to choose the most cost-effective and worthwhile credit card. Today, I took stock of several bank credit cards worth applying for. I hope everyone can choose freely according to their own needs.
1, Industrial and Commercial Bank of China
As a big shot in the financial industry, Universe Bank has a very high gold content and a relatively high application threshold, whether it is investment and wealth management or loan credit cards. ICBC is conservative in personal credit risk control, and the credit card quota is generally not high, but it is still very fast to swipe the card all the time. In addition, ICBC has a large number of business-to-business accounts. I believe many people choose ICBC because the salary card is also in ICBC, which is more convenient for repayment.
2. China Construction Bank
China Construction Bank developed co-branded credit cards earlier in China, and its business level is also good. For example, the love credit card that cooperates with the Red Cross can donate money without an annual fee. In addition, the automobile co-branded card of China Construction Bank has discounts on car washing and refueling, and its outlets are relatively wide. The entry-level platinum card is relatively simple without annual fee.
3. China Merchants Bank
At present, most people have a CMB credit card. China Merchants Bank's services include telephone, APP and WeChat, and the overall style of credit cards is younger. It is more convenient to spend abroad. There are many kinds of co-branded cards, which are updated quickly. The main offers are 50% off movie viewing, half-price food on Wednesday, and redemption of series points. Suitable for office workers who have just graduated.
4. China CITIC Bank
The next amount is very high, and the withdrawal speed is very fast. The amount is free, rising from several thousand yuan to more than ten thousand yuan. There are many types of credit cards, such as CITIC Xiaobai Card and CITIC Yanka series, and there are also many discounts on online shopping. The famous 9% discount can be used for wool.
Which of the top five banks has the best credit card?
ICBC credit card, BOC credit card, CCB credit card, ABC credit card, Bank of Communications credit card.
Introduction is as follows:
1, BOC credit card
China Bank Credit Card is an international standard credit card, with one card and two currencies, which is universal. No prepayment is required. You can spend easily at home and abroad with your card within the limit, and enjoy an interest-free loan for up to 50 days. China Bank has overseas branches in 20 countries and regions around the world.
China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence certificates and financial documents.
2. China Industrial and Commercial Bank Credit Card
China Industrial and Commercial Bank Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business card and personal card, and personal card is divided into main card and auxiliary card.
3. CCB Credit Card
CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "Dragon Cards", including exclusive cards, business cards and car cards.
4. Bank of Communications Credit Card
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to fight for their lives and careers." Sometimes some people need to go abroad to study, do business, study or travel.
Bank of Communications credit cards are also a group of people with high living standards, and they are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications on the basis of introducing advanced technology and management from HSBC. It combines global and local advantages, takes "China Global Card" as its main purpose, advocates new consumption culture and card experience, and provides preferential and caring services on a global scale.
5. Agricultural Bank Credit Card
Jinsui Credit Card is based on creating a new life experience for cardholders and is committed to becoming the most trusted credit card brand for cardholders. With innovation as the main line, Jinsui Credit Card has successively launched a series of products such as standard cards, business cards, platinum cards, various regional co-branded cards and special cards according to different customer groups, leading the needs of different customer groups.
In addition to providing a series of intimate services such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero card loss risk, timely notification by SMS, choice of consumption password, emergency assistance, and various repayment methods, it also combines the advantages of outlets and networks all over urban and rural areas to form a powerful functional advantage.