1. Application threshold Although the Gold Card is a mid-range credit card, the application threshold is not high. As long as you are over 18 years old and have a stable job and income, you can provide valid certificates. Documents and good personal credit can apply. In terms of application conditions, there is no significant difference between the two credit cards, but college students can also apply for the China Merchants Bank QQ Wallet Co-branded Card, which has a wider audience.
2. Credit card limit: For customers with different credit application conditions, the initial credit limit of the bank's final credit card is different. The maximum credit limit for China Merchants Bank's QQ Wallet co-branded card is 50,000 yuan, and the maximum credit limit for CITIC QQ Enjoy Credit Card is 200,000 yuan. CMB credit card review pays more attention to academic qualifications. If you have a bachelor's degree or above, it is more advantageous to apply for CMB QQ Wallet Credit Card. However, in general, applicants with the same credit conditions will receive a lower credit limit from CMB than from CITIC Bank.
3. Annual fee discount 1) China Merchants Bank QQ Wallet co-branded card: 300 yuan for the main card and 150 yuan for the supplementary card; the annual fee is waived in the first year, and the annual fee for the next year is waived for any 6 transactions; if you are a student Cardholders can enjoy unconditional annual fee exemption during the validity period. 2) CITIC Q-enjoyment Credit Card: RMB 200 for the main card and RMB 100 for the supplementary card; the first-year annual fee is waived for one purchase or cash withdrawal in the month of opening the card; the annual fee for the next year is waived for another five purchases or cash withdrawals in the first year, and so on. Comparing the annual fee charging standards and preferential policies, CITIC Q Enjoy Card has certain advantages. The annual fee charging standards are low and the exemption threshold is also low. However, if cardholders can consciously swipe their cards for consumption, it is actually easy to reduce the annual fees for both products!
4. Credit card rights 1) China Merchants Bank QQ Wallet Co-branded Card: New users can get a big red envelope of 156.8 yuan if they apply for the card 6 times; cardholders enjoy discounts from thousands of merchants, 50% off on Wednesdays; 2 )CITIC Q Enjoy Credit Card: Pay with QQ Wallet, get red envelopes every day, up to 199 yuan per item; enjoy 50% off food on Wednesdays and Saturdays; movie tickets as low as 9 yuan; new customers have a chance to get a Samsonite backpack with a first purchase of 699 yuan; free flights for 1,000 yuan Delay insurance; points for online transactions, up to 2 times; free application for colorful embossed card version. Judging from the above preferential rights and interests, CITIC QXiang Credit Card is definitely better. Among the QQ wallet application portals, it is QQXiang Credit Card that is the most popular.
Related introduction: CITIC Credit Card Compares Baitiao Co-branded Card and "Yan" Series Credit Cards, which one is more worthy of applying for CCB Credit Card? Compares Dragon Card JOY Credit Card and Tencent e-Dragon Card, which one is more attractive to you? From the above comparison of credit cards, CITIC q The Xiang Credit Card is better than the CMB QQ Wallet co-branded card in terms of credit limit and preferential rights. If you want to choose one of these two credit cards, I would like to introduce CITIC Q Xiang Credit Card. Credit card application