The 5 most worthy credit cards
1. ICBC World Struggle Card
Needless to say, ICBC has always been one of the best among banks. According to many netizens, ICBC cards are also quite easy to get, and ICBC’s installment rates are not high, which is very beneficial for everyone to maintain their cards.
This ICBC World Struggle Card has quite a lot of benefits and is very easy to apply for. It is considered a relatively easy card to apply for in ICBC. It has three levels: regular card, gold card, and platinum card. The editor recommends that you apply for the gold card. The gold card will be easier to get. It is relatively easy to maintain this credit card and increase the limit. It will be beneficial to you in ICBC. Star ratings are also helpful.
2. Agricultural Bank of China’s Beautiful Mom Credit Card
Agricultural Bank of China’s credit card has always had a very good reputation among the public, and many cardholders said that Agricultural Bank of China’s credit card limit increase is the best among all banks. The fastest, it is said that there is no upper limit on the amount you can raise.
Don’t think that only women can apply for the Agricultural Bank of China’s Pretty Mom Credit Card, men can also apply. The reason why it is called this card is because this card mainly provides benefits in maternal and infant products, women's products, etc. This card is worth applying for as a family. Not only will there be various discounts on shopping purchases, but also It is beneficial to maintaining the card and is very worth buying.
3. China Merchants Bank Young Card
China Merchants Bank and Industrial and Commercial Bank of China are comparable. The speed of limit increase of CMB credit card is also at the forefront among all bank credit cards, and the limit increase is quite stable.
As for this CMB Young Card, the application threshold is low and the card withdrawal rate is very high. If you are a newly graduated office worker, I suggest you apply for this card and keep it since it offers cash withdrawal discounts. It's quite good.
4. Guangfa DIY Credit Card
Although Guangfa Bank is not as famous as the three banks mentioned by the editor, the credit card of Guangfa Bank is also very worth applying for, and the limit increase speed is very fast. , many netizens said that they can increase their credit limit by just swiping their cards.
One of the great benefits of Guangfa DIY Card is that the points are very generous. You can enjoy various points discounts when applying for this credit card. It is quite enjoyable to use it to earn money. And as long as your personal credit is good, you can apply for this card. There is nothing wrong with the card.
5. Pudong Development Youth Campus Card
The risk control of Shanghai Pudong Development Bank is relatively loose, and the limit increase is also very good, and Shanghai Pudong Development Bank also has universal funds, which is very Heartwarming.
The Pudong Development Youth Campus Card is mainly aimed at young people. It is easy to apply for this credit card. The card’s rights and points are very good. It also has an exclusive “Dream Gold”. This credit card It is also very easy to raise and can be used to shear wool.
The above are the five credit cards that the editor has summarized that are worth keeping. In fact, there are many credit cards that are worth keeping. Credit cards from major banks are all worth keeping, and based on the feedback from cardholders, , the credit cards of the four banks, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China and Guangfa Bank, are all very good.
The ten most worthwhile credit cards
1. Industrial and Commercial Bank of China
1. ICBC Platinum Digital Card: annual fee is waived, entry-level platinum, The card removal rate is high.
2. ICBC Ray Plus Platinum Card: RMB 2,000 rigid annual fee, annual cash rebate of RMB 5,000, and 200,000 points redeemable for unlimited dragons.
3. ICBC Shangri-La Platinum Card: Annual fee is waived, Shangri-La Hotel Group Jade Membership is exempt from annual fee for 3 years, points are automatically redeemed for VIP Golden Circle points and hotel rights.
2. China Merchants Bank
1. China Merchants Bank Free Life Platinum Card: annual fee waived, overseas cash back, 2 low-cost hotel stays/year, 99/199 per month Points can be redeemed for video music membership.
2. China Merchants Bank Classic Edition Platinum Card: 10,000 points redeemable for annual fee, free physical examination/dental cleaning/golf/VIP lounge/low-price hotel all in one, delay insurance up to 2,000 yuan/time, birthday benefits 10x points.
3. China Merchants Express Centurion Platinum Card: RMB 3,600 rigid annual fee, unlimited PP, unlimited airport VIP lounges, matching Marriott/Hilton/Radisson membership, free physical examination/teeth cleaning/ Golf/low-price hotel in one, delay insurance up to 4,000 yuan/time, and 10 times points on birthdays.
3. China Construction Bank
1. Longka bilibili Credit Card: The annual fee can be waived, 2 years of Bilibili annual membership will be given, and the card purchase rate is high.
2. Longka Car Card: Rigid annual fee, discounted car wash once a week, points redeemable for fuel cards, free nationwide roadside assistance, and application for a qualified car owner card.
3. Dragon Card Family Love Credit Card: 150,000 points redeemable for annual fee, unlimited access to expert clinics in three hospitals for 3 people, 6 driving trips/year, 2 RMB airport transfers/year, overseas Cash rebate, 100 yuan Jingdong card + 2 driving trips + 118 yuan cash back if consumption reaches the standard, delay insurance up to 2,000 yuan/year.
4. Dragon Card Exclusive Platinum Credit Card (Dashanbai): 400,000 points redeemable for annual fee, unlimited access to expert clinics in three hospitals for 3 people, unlimited free roadside assistance, unlimited airport VIP lounges, 5 times /Year PP card, limited-time hotel/airport pick-up/driver rights, delay insurance up to 5,000 yuan/year.
4. Bank of China
1. Bank of China Great Wall Diamond Credit Card: 3,600 yuan, 200,000 points can be used to offset the annual fee, 6 dragon points/year, 2 airport transfers/year, 1 dental cleaning/year, 1 physical examination/year, 1 roadside assistance/year.
5. Agricultural Bank of China's Youran Platinum Credit Card: annual fee is waived, 3 times/year expert clinic appointment registration, and new users receive a free YouAiTeng 3-choose-1 video annual card.
2. Agricultural Bank of China’s Beautifully Upgraded Mother’s Credit Card: annual fee is waived, overseas cash rebates, 1 yuan can be exchanged for six major audio and video membership annual cards, and points can be used for Meituan takeout/Ctrip cash.
3. Agricultural Bank of China Zunran Platinum Credit Card (Essential Edition): annual fee waived, unlimited airport VIP lounges, unlimited roadside assistance, and Visa platinum rights.
6. Minsheng Bank
1. Minsheng Elite Platinum Credit Card: 1,800 yuan in the first year (limited time exemption for new accounts), 200,000 points to offset the annual fee for the next year, (soon to be cancelled) ) Unlimited LoungeKey, unlimited roadside assistance, points redeemable for benefits, delay insurance;
2. Minsheng JD PLUS co-branded credit card: Annual fee can be waived, new users can receive 2-year JD PLUS membership + 100 yuan JD for a limited time Red envelope.
7. Bank of Communications
1. Bank of Communications Zodiac Card Year of the Ox Commemorative Edition: annual fee is waived, 5 times points for monthly consumption, upper limit of 880,000/year, birthday 8 times the points per month, 5 points for new accounts to get new household gifts (rice cooker, etc.), paid card version to get standard gifts (128 yuan credit, etc.), new points magic card.
2. Bank of Communications Standard Platinum Credit Card (Bai Qilin): New customers are exempted from the annual fee of 1,000 yuan in the first year, 6 visits to the Bank of Communications Airport VIP Lounge/year, 6 trips to the VIP Lounge at the Bank of Communications/year, 6 trips to drive after drinking alcohol/year, and double points on your birthday month , 5 times points on birthday, delay insurance up to 1,000 yuan/time.
8. China CITIC Bank
1. CITIC IHG Rewards Club co-branded gold card: annual fee waived, free IHG Rewards Club gold card, 15% discount on IHG Greater China room rates + 10% discount on hotel and dining + double points for accommodation card purchases, 5,000 IHG ??Rewards Club points for the first purchase that reaches the standard, 9-share redemption activity, and delay insurance up to 1,000 yuan per time.
2. CITIC Bank HuaweiCard: Annual fee is waived, 4 airport visits + 8 high-speed rail VIP lounge visits/year, limited-time random cash rebates for every HuaweiPay/Alipay/WeChat transaction, maximum delay insurance 1,000 yuan/time, 9 yuan for movie watching, and 9 points redemption activity.
9. Everbright Bank
1. Everbright Douyin co-branded credit card: no annual fee within the validity period, full discounts on Haidilao/Pizza Hut/Meituan takeout, etc., entry card;
p>
2. Everbright Mobile China CYTS Co-branded Elite Platinum Card: No annual fee within the validity period, 1 airport pick-up/year, 3 Longteng points/year, automatic redemption of mobile mall points at a 10:1 ratio, first-time gift for new accounts .
3. Everbright Filial Heart Excellent Platinum Credit Card: RMB 3,600 in the first year (new households spend RMB 100,000 free in the first year), 300,000 points to be used in the following year, 4 airport transfers/year, and 9 points/year , 2 dental cleanings/year, 2 physical examinations/year, 12 appointment registrations/year, 3 times the points for offline transactions, value-added services and points can be used by parents to enjoy the long-lasting magic card.
10. Guangfa Bank
1. Guangfa China Eastern Airlines Intercontinental three-party co-branded credit card: annual fee can be waived, three-party points accumulated on consumption, 6 times points through designated channels, 2 high-speed rail dragon points/ Spend 500 per month during the year to enjoy unlimited Guangfa High Speed ??Rail VIP Lounge for the next month, and redeem China Eastern Airlines miles/IHG points at a ratio of 18:1.
2. GF Travel Series Card: annual fee is waived, 10% cash back for new accounts, upper limit is 400 yuan, 10:1 ratio for redemption of domestic airline miles, 15:1 ratio for redemption of foreign airlines company mileage.
3. Guangfa UnionPay Prime Platinum Card: annual fee is waived and unlimited access to Guangfa Airport High Speed ??Rail VIP Lounge.
Expand materials
The main conditions for applying for a bank loan are as follows:
1. The loan applicant must be over 18 years old.
2. The loan applicant has full capacity for civil conduct.
3. The credit status of the loan applicant is good.
4. The loan applicant must provide legal identity documents.
5. The loan applicant has sufficient repayment ability.
The 5 most worthy credit cards in 2022
1. ICBC World Struggle Card
Needless to say, ICBC has always been one of the best among banks. Yes, according to many netizens, the application threshold review conditions are relatively loose, it is easier to handle, and if you maintain your card well, it is easier to increase the limit. As for this ICBC World Struggle Card, it has quite a lot of benefits and is very easy to apply for. It is considered to be a relatively easy card to apply for in ICBC. It has three levels: regular card, gold card, and platinum card. It is recommended that you apply for the gold card. The gold card is easier to get. It is relatively easy to raise the limit of this credit card, which is also true for your star rating in ICBC. Helpful.
2. China Merchants Bank Young Card
Many people regard this China Merchants Bank Young Card as their first credit card in life. Its application conditions are very simple and it is more suitable for newly graduated college students. The limit increase speed is faster than other banks' credit cards. As long as your credit status is good, you can get the limit increase quickly. Therefore, keeping this card in good condition will be very helpful in applying for credit cards from other banks in the future.
3. Agricultural Bank of China’s Beautiful Mom Credit Card
Agricultural Bank of China’s credit card has always had a very good reputation among the public, and many cardholders said that Agricultural Bank of China’s credit card limit increase is the best among all banks. The fastest, it is said that there is no upper limit on the amount you can raise. Don’t think that only women can apply for the Agricultural Bank of China’s Pretty Mom Credit Card, men can apply too. The reason why it is called this card is because this card mainly provides benefits in maternal and infant products, female products, etc. This card is worth applying for as a family. Not only will there be various discounts on shopping purchases, but also It is beneficial to maintaining the card and is very worth buying.
4. Pudong Development Youth Campus Card
The risk control of Shanghai Pudong Development Bank is relatively loose, and the limit increase is also very good, and Shanghai Pudong Development Bank also has universal funds, which is very Heartwarming. The Pudong Development Youth Campus Card is mainly aimed at young people. It is easy to apply for this credit card. The card’s rights and points are very good. It also has an exclusive “Dream Gold”. This credit card is also very easy to use. You can also pick wool.
5. Guangfa DIY Credit Card
Although Guangfa Bank is not as famous as the banks mentioned above, the credit card of Guangfa Bank is also very worth applying for. The limit increase speed is very fast. Many netizens said that they can increase the limit by swiping the card casually. One of the great advantages of Guangfa DIY Card is that the points are very generous. You can enjoy various points discounts when applying for this credit card. It is quite enjoyable to use it to earn money. As long as your personal credit is good, there is no problem applying for this card.
This is the end of the introduction about the most worthy credit cards and the most worthy credit cards. I wonder if you have found the information you need?