Which credit card is the best among the five major banks?
Industrial and Commercial Bank of China Credit Card, Bank of China Credit Card, China Construction Bank Credit Card, Agricultural Bank of China Credit Card, and Bank of Communications Credit Card
The introduction is as follows :
1. Bank of China Credit Card
Bank of China Credit Card is an international standard credit card with one card and two currencies, which is universal around the world. No early repayment is required. You can easily spend at home and abroad with the card within the limit, and enjoy interest-free loans for up to 50 days. Bank of China's overseas branches are located in 20 countries and regions around the world.
The Bank of China Credit Card does not require a guarantor, deposit or cash deposit. To apply for a Bank of China credit card, you only need to fill out the "Bank of China Credit Card Application Form" and attach copies of your identity document, permanent residence certificate, and financial documents.
2. Industrial and Commercial Bank of China Credit Card
The Industrial and Commercial Bank of China Credit Card is the most widely issued credit card in my country. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit rating, they are divided into: Platinum card, gold card and ordinary card; according to the card issuance pair, they are divided into business cards and personal cards, and personal cards are divided into main cards and supplementary cards.
3. CCB Credit Card
CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are called "long-term cards", including prestigious school 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 strive for life and career. Sometimes some people need to study, do business, research or travel abroad.
Bank of Communications Credit Card They are also a group of people with high living standards who are willing to try new consumption habits. "The Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications based on the introduction of HSBC's advanced technology and management. It combines global and local advantages, takes "China Global Card" as its main purpose, advocates a new consumer culture and card experience, and provides preferential and considerate services on a global scale.
5. Agricultural Bank of China Credit Card
Golden Harvest Credit Card is based on creating new life experiences for cardholders and is committed to becoming the most trusted credit card brand for cardholders. Jinsui Credit Card focuses on innovation. According to different customer groups, it has launched a series of products such as standard series cards, business card series, platinum cards, various regional co-branded cards, and specialty cards to lead the needs of different customer groups.
In addition to providing a series of considerate services such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. , and also combines outlets, networks and other advantageous products to spread across urban and rural areas, forming a strong functional advantage.
Baidu Encyclopedia - Bank of China Credit Card Center
Baidu Encyclopedia - Agricultural Bank of China Credit Card
Baidu Encyclopedia - Bank of Communications Credit Card
Baidu Encyclopedia - Industrial and Commercial Bank of China Credit Card Baidu Encyclopedia - China Construction Bank Credit Card
Which bank's credit card is easier to use
First of all, it depends on your own situation. If you are in an ordinary city, it is recommended to choose a state-owned commercial bank ( For example, the debit cards of Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, etc.) have many branches and self-service equipment (including cash machines and deposit machines), making deposits and withdrawals convenient.
If you are in big cities such as Beijing, Shanghai and Guangzhou, you can choose joint-stock banks, such as China Merchants Bank, Minsheng Bank, Shanghai Pudong Development Bank, etc. They only set up branches in larger cities and may not be used in small and medium-sized cities. convenient.
If you live in rural areas or towns, it is recommended that you use bank cards such as Rural Cooperatives and Postal Savings.
(There are cash machines and deposit machines)
Of course there are management fees, which are generally lower than the minimum deposit of 500 yuan, and may charge 3-5 yuan every quarter. .
However, the management fee of each bank may be different. In addition, the general card application fee is 10 yuan. There is no charge when applying for the card, and it will be automatically deducted for you when you deposit money.
You also have to apply according to your actual situation. If you are a student without financial means and recommend a debit card, your parents can transfer the money into their own card, and WeChat can also transfer it
If you are an adult and have a fixed job and a certain salary income, you can apply for a credit card (credit card).
If you frequently travel for business or distant places, it is recommended to apply for a debit card with free withdrawals.
Extended information:
If you need to apply for an Agricultural Bank of China savings card, you need to provide your valid identity document and a copy, and apply for a Golden Harvest debit card at any Agricultural Bank of China branch nationwide. The same customer shall not open more than 4 debit cards (including supplementary cards and sleep cards) at Agricultural Bank of China, of which no more than 1 debit card for Category I households shall be issued;
If the customer has previously held a debit card at Agricultural Bank of China, For those who have more than 4 debit cards (inclusive), Agricultural Bank of China is not allowed to open or activate new debit cards for them, and the debit cards that have been opened can continue to be used normally. Social security cards, medical security cards, military security cards, and debit cards that have been canceled are excluded.
If a Chinese citizen under the age of 16 living in China applies for an Agricultural Bank of China savings card, a guardian should apply on behalf of the guardian and present the guardian's valid ID card, the account user's resident ID card or household registration book, and proof of guardianship. Proof of relationship (household register, birth certificate, street certificate, etc.).
Which bank has the best credit card?
China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China have good credit cards. There are a lot of card holders, so they are popular among credit card users. They have many discounts, professional services, quick credit limit increases, and points. The following introduces the characteristics of these bank credit cards:
1. China Merchants Bank
The country's first permanent points validity system, international 24-hour road rescue service, etc. have gradually become domestic credit cards Industry service standards. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption.
2. Guangfa Bank
Guangfa Bank Credit Card is the first standard credit card in China. The card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.
At the same time, Guangfa Bank Credit Card has issued a commercial card. This kind of commercial card can be applied in some large consumption places, hotels, etc., and will enjoy certain preferential quotas in some hotel services and reservation services. .
3. China Construction Bank
China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient Payment experience.
4. Industrial and Commercial Bank of China
ICBC takes an unusual approach in credit card approval. It does not use the data of the credit center. The approval is based on its own system star standards. If you have a debit card at ICBC, you may The chances of your card application being approved will be much greater. But if you don’t have an ICBC savings card, it will be difficult to apply for the card and raise the limit. There is no handling fee for cash withdrawals, the amount can be withdrawn quickly, the interest-free period is up to 56 days, and no interest will be charged on the part that has been repaid when the repayment is not in full.
Disadvantages: The credit limit is low, the discounts are not strong, and the points are small. You need to download the app to accept credit card information, otherwise you have to pay to subscribe to text message reminders.
5. Agricultural Bank of China
In addition to providing temporary limit increase at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency Assistance, multiple repayment methods and a series of considerate services. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.
Extended information:
Key points for applying for a credit card:
Purpose, application threshold, benefits, limit currency, installment interest, interest-free period, etc. Think about it comprehensively and finally choose a credit card that suits you.
Benefits enjoyed
Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free foreign currency transaction fees, high-value aviation accident insurance, and free annual payment. Fees and so on. In addition to these basic rights and interests, it also depends on the number of local preferential activities and whether the points are valuable
Applying a local bank
Cards with many local activities: There are a lot of factors involved in applying for a credit card The reason is to enjoy the activity. Cards with many local banks will naturally have more activities. So be sure not to apply for a credit card from a local bank, otherwise you will basically miss out on the event.
Points Value
To determine the value of credit card points, you only need to compare the goods and services that the points can be redeemed for. For example, if you often travel by plane and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming airline miles and hotel stays, but each card may redeem different airlines and hotels, so as long as the points can be redeemed The services you need to use frequently are the ones with the highest points value.
Baidu Encyclopedia - Agricultural Bank of China Credit Card
Baidu Encyclopedia - Industrial and Commercial Bank of China Credit Card
Baidu Encyclopedia - China Merchants Bank Credit Card
Which credit card is the most popular? Good
Better credit cards include China Merchants Bank Credit Card, Bank of Communications Credit Card, Industrial and Commercial Bank of China Credit Card, China Construction Bank Credit Card, and Bank of China Credit Card.
1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many types of cards and beautiful designs, but also has a low application threshold, points are permanently valid, and repayment is convenient. However, this credit card earns one point for 20 yuan, not counting zero. The points policy is very inhumane, and the interest-free period is 18 days. The shortest of all card issuers. You can call customer service hotline: 800-820-5555, 95555 for detailed inquiries.
2. "Bank of Communications Credit Card": suitable for friends who often buy home appliances ("Suning Card" can enjoy double Suning points). The credit card application threshold is low, the limit is increased quickly, and it has a 56-day long interest-free period. You can withdraw cash 100% using the YP card. However, the installment operation of this credit card is cumbersome, the points are not permanently valid, and the total consumption of all cards will not be automatically calculated. Separate repayments are required. You can call customer service hotline: 800-988-8888, 95559 for detailed inquiries.
3. "ICBC Credit Card": It is suitable for friends who do not have joint-stock commercial banks in the local area and who often like to overdraft and withdraw cash. This credit card is currently the bank with the most branches in China. It has unlimited limits and no handling fees for local cash withdrawals. International cards of different brands have independent limits. However, not only is the application threshold high, but the service attitude of the branch is extremely poor, and there is no 800 number. The 400 pages are not open to individual users. You can call customer service hotline: 95588 for detailed inquiries.
4. "China Construction Bank Credit Card": suitable for friends who do not have a local joint-stock commercial bank. Compared with the other three state-owned banks, this credit card has a lower application threshold and supports minimum repayment for overdraft cash withdrawals. However, the credit card limit is generally low and the limit increase is slow. The total consumption of the card is not automatically calculated and needs to be repaid separately. You can call customer service hotline: 800-820-0588 for detailed inquiries.
5. "Bank of China Credit Card": applicable to Olympic card collection. This credit card is the earliest credit card issuer in China. Points can be calculated for overdraft cash withdrawals. However, you have to go to a business outlet to cancel your account. Alipay is not supported. 800 is only for Great Wall International cards. Minimum repayment is not supported for overdraft cash withdrawals. You can call customer service hotline: 400-669-5566, 800-820-5288 (international card), 95566 for detailed inquiries.
Notes on selection:
1. Choose the right card issuer
The first step in choosing a credit card is to choose the right credit card issuer. Some credit card issuers There are many promotions, and it is easy to apply for and issue credit cards. Some credit card issuers do the exact opposite.
2. It is more convenient to apply for a card cancellation
It is best to apply for a credit card issuing bank that has a credit card branch in the city where your usual residence address is, so that applying for a credit card and handling a credit card are easier. convenient. Otherwise, it is easy to apply for a credit card, but it is more troublesome to cancel the credit card.
Which bank's credit card is easy to use?
1. China Merchants Bank, China Merchants Bank credit card is relatively easy to get a card, and the limit is increased quickly. Generally, it takes three months to swipe the card. You can make the first withdrawal, and even those with good qualifications can use the card for one month to raise the limit. However, the prerequisite for being able to quickly raise your balance is normal consumption, and you must not cash out. You can spend large amounts, but you cannot max out your balance frequently. If you accidentally overdue your card, China Merchants Bank will not immediately block the card or reduce the limit like other banks. China Merchants Bank basically does not reduce the limit. Even if you continue to use it for a few months after overdue repayment, you will be given the opportunity to increase the limit. China Merchants Bank points are the most valuable among all banks. They can be directly redeemed for goods or offset the price of goods in the points redemption area. China Merchants Bank credit card also offers many preferential activities, such as 799 points redeemed for Starbucks, limited points redemption for birthday months, 50% off food on Wednesdays, etc. , basically the kind where you can get discounts on food and drinks.
2: Guangfa Bank, compared with the four major banks, China Merchants Bank, Bank of Communications, etc., when applying for a credit card, the application success rate of Guangfa Bank is relatively higher. However, if your salary level is not high, your income is unstable, or you have a bad credit record, it will be difficult to get a card no matter which bank you choose. After using Guangfa Credit Card for half a year, you can basically withdraw cash 100%, unless the card is used illegally; there is also a 56-day long interest-free period, a low installment starting point (only 500 yuan), and 48-hour card loss protection. Guangfa Credit Card has many great promotions, such as cash rebates on gas, Friday Food Day, etc., which are as low as half price. There are many types of credit cards, covering all aspects of life, and there are many specialty credit cards. For example, China Guangfa Bank American Express Life Card. The highlight of this card is the cash back for online shopping, as well as some limited-time offers and more.
1. The positioning of China Guangfa Bank American Express Life Card is very clear: young white-collar workers who like to shop online, who can directly withdraw cash or pay bills by installment if they are occasionally short of funds, and who have just entered the workplace.
2. For users who cannot leave home once a year and have no need for travel rights, mileage, or hotels, the Lifestyle Card is also a card worth holding. After all, no matter how good the rights are, No matter how many miles you have, there is no real money or silver.
3. You can get 1 online shopping credit by spending at designated channels within three natural months after debiting the card, and you can get 0.3 online shopping credit after three months. The upper limit of online shopping credit you can get through consumption per month is 100 yuan. ; In addition, you can also get online shopping cashback by withdrawing cash in installments. The rebate ratio is as high as 10%, and there is no time limit. It is 10% during the validity period of the card. The upper limit for this part is also 100 yuan. Adding the two together, the maximum monthly online shopping credit that can be obtained with a lifestyle card is 200 yuan, which is 2,400 yuan a year.
4. In addition to the recent Amazon activities, bind Alipay and purchase overseas products on the Amazon APP. If you spend 300 yuan or more in a single order, you will get an instant discount of 37 yuan (limited to the first 12, 000 orders), the more wool can be harvested. Moms buying milk powder, girls stocking up on skin care products, and otakus buying a PS5 all have the opportunity to get discounts.
Which bank credit card is better?
Agricultural Bank of China Credit Card, Industrial and Commercial Bank of China Credit Card, Bank of Communications Credit Card, China Construction Bank Credit Card, and Shanghai Pudong Development Bank Credit Card are all credit cards with good reputations.
1. Agricultural Bank of China Credit Card:
Agricultural Bank of China Credit Card takes innovation as its main line and has successively launched standard series of cards, business card series, platinum cards and various regional cards according to different customer groups. A series of products such as co-branded cards and specialty cards meet the needs of different customer groups.
In addition to providing a series of thoughtful features such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of losing the card, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. Serve. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.
2. ICBC Credit Card:
ICBC Credit Card is the credit card with the highest circulation in China. The main types of ICBC Credit Card include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card. ; According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit grade, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which Personal cards are divided into primary cards and secondary cards.
3. Bank of Communications Credit Card:
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its users are positioned as a group of people who are interested in life and career. Ideals, pursuits, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.
Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing HSBC's advanced technology and management. It brings together the dual advantages of global and local, takes the Chinese global card as its theme, and advocates a new consumer culture and card-using experience. , providing preferential treatment and considerate services all over the world.
4. China Construction Bank Credit Card:
China Construction Bank Longka Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and Convenient payment experience. There are more than 100 credit card products in multiple series such as Dragon Card Family Favorite Card, Global Popular Card, Tencent Game Card, etc.;
Meet customers’ various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.
5. Shanghai Pudong Development Bank Credit Card:
Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Pufa Meng Card allows consumers to choose products and rights. Customers customize cards according to their needs, including selecting card material, card surface pattern, exclusive rights, and card organization. The bank then makes a credit card based on the customized information.
This is the end of the introduction about which credit cards are easy to use and which credit cards are easier to use. I wonder if you found the information you need?