Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
Which bank has a better credit card?
The better credit cards are China Merchants Bank, Bank of Communications, Industrial and Commercial Bank of China, China Construction Bank and China Bank.
1, "China Merchants Bank Credit Card": suitable for friends who value service over points. This kind of credit card not only has many kinds of cards and beautiful design, but also has low application threshold, permanent and effective points and convenient repayment. However, one credit card in 20 yuan is not counted as zero, and the credit policy is very inhuman. The interest-free period is 18 days, which is the shortest among all card issuers. You can call customer service at 800-820-5555 and 95555 for detailed inquiry.
2. "Bank of Communications Credit Card": Suitable for friends who often buy household appliances (Suning Card can enjoy double Suning points). The credit card application threshold is low, the withdrawal is fast, and the interest-free period is 56 days. With YP card, you can 100% cash withdrawal, but the credit card installment operation is cumbersome and the points are not permanently valid. The total consumption of all cards will not be automatically counted, so it needs to be repaid separately. You can call customer service at 800-988-8888 and 95559 for detailed inquiry.
3. "China Industrial and Commercial Bank Credit Card": Suitable for friends who don't have local joint-stock commercial banks and often like to withdraw cash by overdraft. This credit card is the bank with the largest number of outlets in China at present, and it can be withdrawn unlimited times, and there is no handling fee for local cash withdrawal. Different brands of international cards have independent quotas. However, this kind of credit card not only has high application threshold, but also has poor service attitude of branches. Without 800 telephones, 400 pages are not open to individual users. You can call customer service at 95588 for detailed inquiry.
4. "China Construction Bank Credit Card": Suitable for friends who don't have joint-stock commercial banks locally. Compared with the other three state-owned banks, this credit card has a lower application threshold, and the minimum repayment supports overdraft withdrawal. Credit cards, on the other hand, are generally low in amount and slow in cash withdrawal, and will not automatically count the total consumption of all cards, so they need to be repaid separately. You can call customer service at 800-820-0588 for detailed inquiry.
5. "China Bank Credit Card": It is suitable for collecting Olympic cards. This credit card is the earliest credit card issuer in China, and overdraft can be counted as points. However, the cancellation of this credit card has to go to the business outlets, and Alipay is not supported. Great Wall International only uses 800 credit cards, and overdraft withdrawal does not support the minimum repayment amount. You can call customer service telephone numbers: 400-669-5566, 800-820-5288 (international card) and 95566 for detailed inquiry.
Select comments:
1, select the appropriate card issuer.
The first step in choosing a credit card is to choose a suitable credit card issuer. Some credit card issuers have many preferential activities, and it is easy to apply for credit cards and issue cards. And some credit card issuers are just the opposite.
2. It is more convenient to cancel the card.
It is better for the credit card issuing bank to have a credit card outlet in the city where the address of the habitual residence is located, so it is more convenient to apply for and apply for a credit card. Otherwise, it is easy to apply for a credit card, and it is more troublesome to cancel it.
Which bank has a good credit card?
China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank all have good credit cards. A large number of cardholders are welcomed by credit card users. There are many discounts, professional service, quick cash withdrawal and many points. The characteristics of these bank credit cards are as follows:
1, China Merchants Bank
China's first permanent credit system, international 24-hour road rescue service, has gradually become the service standard of domestic credit card industry. In terms of product and service innovation, China Merchants Bank has innovated more than 100 new credit card products and services, persisted in promoting the cross-industry cooperation mode, and 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 credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit.
At the same time, Guangfa Bank has issued a business card with a credit card, which can be used in some large consumer places and hotels, and will enjoy certain preferential quotas in some hotel services and reservation business.
3. China Construction Bank
China Construction Bank Longka Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centric concept and provides customers with professional financial services and convenient payment experience.
4. Industrial and Commercial Bank of China
ICBC's credit card approval does not follow the usual path and does not use the data of the credit information center. The certification is based on its own system star standard. If you have a savings card in ICBC, the chances of getting a card will be much greater. However, if there is no ICBC savings card, it will be more difficult to handle the card and withdraw money. There is no handling fee for withdrawal, and the withdrawal is fast, with an interest-free period of up to 56 days. If the repayment is not made in full, no interest will be charged on the repaid part.
Disadvantages: low card quantity, weak preferential treatment and less points. Download app can only accept credit card information, otherwise you have to pay SMS reminder.
5. Agricultural Bank of China
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 risk of card loss, timely notification by SMS, choice of consumption password, emergency assistance, and various repayment methods. Combine the advantages of outlets, networks and products all over urban and rural areas to form a strong functional advantage.
Extended data:
Key points for handling credit cards:
Purpose, application threshold, enjoyment of rights and interests, currency of amount, installment interest, interest-free period, etc. Finally, choose a credit card that suits you.
enjoy rights and interests
Credit card rights are directly related to your actual interests. Common rights and interests include free handling fee, free++transaction fee, high aviation accident insurance, free annual fee and so on. In addition to these basic rights and interests, it depends on the number of local preferential activities and the value of points.
Run a local bank
Cards with many local activities: A large part of the reason for getting a credit card is to enjoy activities. The more cards there are in local banks, the more activities there will be. So don't apply for a credit card without a local bank, otherwise it is basically equivalent to missing the event.
Integral value
The value of credit card points only needs to compare the goods and services that can be exchanged for points. For example, if you often travel by air and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming air miles and staying in hotels, but each card may be redeemed by different airlines and hotels, so as long as the points can be redeemed for the services you often need, the points are of high value.
Baidu Encyclopedia-Agricultural Bank Credit Card
Baidu Encyclopedia-ICBC Credit Card
Baidu Encyclopedia-China Merchants Bank Credit Card
Let's stop here first, so as to introduce what banks do with credit cards.