Benefits of Agricultural Bank Credit Card:

There are many bank outlets, which saves time and speed in handling business; The repayment method is convenient, and the Agricultural Bank can support the agreed automatic deduction; The interest-free period can be as long as 56 days, so as to avoid worries for users; Agricultural Bank of China provides professional business travel services for credit card customers; The annual fee policy is superior. Puka Gold Card swipes the card five times without the annual fee of the following year, and implements multi-account management: quota sharing, independent bookkeeping date, independent repayment, and low withdrawal fee. The handling fee charged by ABC for cash advance is 1% of the transaction amount (minimum 1 yuan).

The handling fee charged by other domestic banks for cash withdrawal is 65438+ 0% of the transaction amount+2 yuan/transaction (minimum 3 yuan). The handling fee charged for overseas cash advance is 3% of the transaction amount (minimum USD 3 or equivalent foreign currency). The advantage of the Agricultural Bank is that it is free of annual fees for life and free of handling fees for excess cash withdrawals. Generally, you can apply for up to 300,000 () diamond customers.

Agricultural Bank of China is a large state-owned bank managed by the central government. Founded in 195 1, it is mainly engaged in comprehensive financial services in China.

One of the suppliers. The bank provides various products and services for corporate banking and retail banking, and also conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. And listed in China, Shanghai and Hongkong.

The predecessor of China Agricultural Bank can be traced back to the Agricultural Cooperative Bank established by 195 1. Since the late 1970s, banks have experienced different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks. June 5438+October 2009 10, the whole bank was restructured into a company limited by shares. On July 20 10, the Bank was listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange respectively.

As one of the major integrated financial service providers in China, the Bank is committed to building a world-class commercial bank group with obvious operating characteristics, efficient and convenient services, complete functions and outstanding value creation capabilities. With its comprehensive business portfolio, huge distribution network and leading technology platform, this bank provides customers with various corporate banking and retail banking products and services, and conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. By the end of 20 16, the Bank's total assets195,7061100 million yuan, loans and advances of 9.71963.9 billion yuan, deposits150,380,543.8 billion yuan, and capital adequacy ratio of 65438.

Excuse me, is the credit card of China Agricultural Bank easy to use?

The credit card of ABC is very easy to use, very easy to use. Moreover, ABC's credit card has many functions, which can meet the needs of repeated use and bring users a convenient and comprehensive experience.

Based on the principle of "cooperation, communication, innovation and win-win", China Agricultural Bank Credit Card has formed a multi-level and multi-angle cooperation system with all walks of life around brand cooperation, customer sharing, channel cooperation, service network sharing and product research and development cooperation, creating a perfect life experience for cardholders and delivering superior life value.

Function of credit card of Agricultural Bank of China;

1, combination of lending and borrowing, instant credit granting.

Huinong Credit Card has a powerful lending function. You can open current and multiple fixed sub-accounts, deposit your own funds and earn deposit interest. Moreover, after receiving the card, there is no need to go through other procedures, and we can directly overdraw the letter within the credit line approved by our bank, flexibly arrange our own production and operation funds, and manage family property.

2. Revolving overdraft and quick turnover

Within the credit line approved by our bank, you can borrow and repay at any time according to your own funds, and the interest is calculated according to the actual days of use. After repayment, the credit line is immediately restored and can be used again, realizing rapid capital turnover, saving capital use cost and maximizing asset appreciation.

3, full cash withdrawal, easy to use

Not only can you overdraw consumption, but you can also withdraw overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can be up to 100% of the credit line, which can meet your capital needs for different purposes to the greatest extent.

4. High credit and flexible guarantee.

You can obtain the credit of Huinong Credit Card through credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 300,000 yuan.

5, the combination of life and work, easy to manage

Under Huinong Credit Card, you can open RMB demand account and multiple RMB time sub-accounts at the same time, and you can easily manage your demand deposit and time deposit with only one card without other cards or certificates of deposit.

Advantages and disadvantages analysis of ABC credit card!

As one of the four major state-owned banks, ABC has a relatively high threshold and risk control, but compared with the other three major banks, it is relatively easy for ABC to increase the quota. The credit card of ABC has many cooperative merchants and many co-branded cards, which can be said to be a relatively people-friendly bank. Many people say that it is not easy to raise the credit card of Agricultural Bank of China. In fact, all banks require good credit cards, and diversified consumption can increase the quota. Below I sorted out the advantages and disadvantages analysis of ABC credit card!

Advantages and disadvantages of 1.ABC credit card:

Advantages: more activities, more outlets, quick withdrawal, 56-day interest-free period, free SMS reminder, and professional business travel service for credit card customers.

Disadvantages: high threshold, low quota (too much quota for applying for 500 cards), long approval time and no points.

Second, the Agricultural Bank of China credit card withdrawal skills:

1, more credit cards: ABC likes to spend a lot of money, such as buying home appliances and decorating. Of course, before using this, try to call customer service to explain the situation. Agricultural Bank of China can spend more and brush more, without limiting the number of credit cards. Agricultural Bank prefers to brush.

2. Apply on time: ABC has no upper limit. Do you think it's not worth having? And as long as you use the credit card of Agricultural Bank of China, it will be given to you more or less every once in a while, basically in the first half of the year.

3. Appropriate staging: Credit cards can be staged appropriately, so that when banks make money, they will naturally increase your quota.

4. No cash withdrawal: Remember that ABC's credit card does not consume or withdraw cash, and it is basically difficult for ABC to get the amount after cash withdrawal.

5. Use less temporary quota: ABC's temporary quota takes up a fixed quota, which means that using temporary quota means taking up a fixed quota promotion time. It is best not to use temporary quota.

6. Don't apply frequently: Don't call customers frequently to apply for cash withdrawal, or your credit report will show post-loan management. And once the maximum number of withdrawals is reached, it will enter the bank gray list.

7. Manual application: ABC WeChat and telephone self-service voice can only increase the temporary quota.

8. Curve cash withdrawal: For example, after the previous credit currency is successfully applied, call customer service and ask for a leveling line.

9. Don't cancel the low-income card: ABC has many low-income cards, but you'd better not cancel them, because once you cancel them, you will not only have to wait six months to apply, but also it will be difficult. The best way is to keep using it. Take your asset certificate and income certificate to the Agricultural Bank of China to fill out the withdrawal application form. Generally, there will be withdrawal results in about half a month.

10. Diversified consumption: ABC card likes diversified consumption and high-end merchants, such as star-rated hotels, KTV or fitness clubs. Such merchants spend about 5 times a month, and the consumption amount reaches about 70% of the credit card amount, which is just around the corner.

The above is the analysis of the advantages and disadvantages of ABC credit card that I introduced to you! I hope this article I compiled is useful to you. Want to know more about credit cards, I suggest you pay attention to Jintou Credit Card!

Disclaimer: The operation suggestions in this paper only represent the views of third parties and have nothing to do with this platform. Investment is risky, so be cautious when entering the market. Deal with it accordingly at your own risk.

Advantages and disadvantages of agricultural bank credit card

Advantages of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is for ordinary consumption, and there is no cash in the card. In many cases, it is only necessary to return the consumption amount on time.

Disadvantages of credit card: the invention of credit card is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of issuing credit card is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.

You can spend without deposit overdraft, and enjoy the interest-free period of 20-56 days to repay on time, without charging any fees (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, and ICBC will charge no handling fee, only interest);

It is not only safe and convenient to swipe your card when shopping, but also to give away integral gifts;

Special merchants who hold cards in banks can enjoy preferential treatment;

Accumulate personal credit, add credit records to your credit file, and benefit for life;

Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )

Credit card spending, some credit cards to get existing points, all kinds of discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card. (Most credit card online payment has no points, but online payment is very convenient and fast);

Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )

Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses;

The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB;

400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss;

Validity period: It is known that the validity period of domestic credit cards is generally three to five years.

Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.

What are the disadvantages of ABC's credit card?

As one of the four largest banks, Agricultural Bank of China has a deep foundation in the financial market. Their credit card business has been developing steadily. Compared with other commercial banks, it has some drawbacks and defects.

Credit lines are generally not high.

Many people complain that the credit card limit given by ABC is too low, with 500 yuan only around 2,000 yuan. In fact, it is mainly a question of choosing channels. Don't apply online by yourself, because the quota will be very low.

We can choose to submit the application form on the website, and the bank will make a comprehensive evaluation based on your credit information and bank account flow. You can also choose to contact the salesman to get the recommendation code, and then apply on WeChat.

The audit cycle is too long.

No matter which application channel you choose, you have to go through a long waiting period It usually takes about one month to three months. The long time is mainly spent in the audit process. Compared with the efficient and efficient services of other banks, this is indeed a problem that has been criticized by everyone.

Peripheral services exist in name only.

Major banks will have online shopping malls for credit card customers in official website. There are few integral activities on the website of Agricultural Bank of China, and sometimes there is a problem that the webpage loading speed is too slow. This will directly reduce the customer satisfaction experience. Online staging malls are also unrealistic and not suitable for young people with small deposit bases.

Subsequent card collection procedures are cumbersome.

In some ABC systems, you can choose to mail your credit card home. This way saves the process of customers running errands, but the express delivery time of ABC cooperation is too long. In some places, ABC has no choice for customers, so I can only go to the bank counter to activate it. The process of handling the card is also a variety of cumbersome procedures such as signing and taking photos.

To sum up, ABC credit card is suitable for some customers who often have a deposit base, and the groups with relatively strong economic strength are the focus of their attention. If they can learn from other commercial banks, I believe there will be a rapid market growth, which is also necessary to increase market share.

I have a credit card of ABC, but it was run by my colleague's mother. She works in ABC. At that time, it was for her mother's top job, that is, the joint QQ card, which belongs to the ordinary credit card issued by China Agricultural Bank. It's been used for seven years. The only advantage of using it is that there is no annual fee. As for the shortcomings, including the relatively low quota, super slow cash withdrawal, less joint activities between credit cards and merchants, and fewer products for redemption of points!

One of the disadvantages: the approval amount is lower than that of joint-stock banks.

Not only the Agricultural Bank, but also the other four state-owned banks have the same problem. Credit card applicants are civil servants and staff of public institutions, and they all give high quotas, generally ranging from 30,000 yuan to 50,000 yuan. However, there are only a few real civil servants and staff in the country, not just enterprise employees. Perhaps considering the unstable work of enterprises and institutions, the amount given by ABC is generally low, which is not the lowest among the four major banks. In any case, individuals have three credit cards, and the minimum amount is only 1.5 million for Agricultural Bank, 25,000 for China Merchants Bank and 30,000 for China Everbright Bank. Compared with joint-stock banks and agricultural banks, the credit card approval quota is obviously very low.

Disadvantage 2: the withdrawal speed is slow.

The speed and amount of cash withdrawal are also important factors in evaluating the quality of a credit card. I have used this credit card of ABC co-branded QQ for 7 years. 1 cent is not mentioned, it is not overdue, and it is not maxed out. I have been carefully observing the credit card usage norms of Agricultural Bank of China, basically swiping my card on Taobao to buy things, and several credit cards are used alternately. However, China Merchants Bank and China Everbright Bank both increased their quotas by 35,000 points, while Agricultural Bank was surprisingly stingy, and 1 point did not increase. When the Agricultural Bank of China saves money for itself, in order to control its desire to spend money, it does not give a quota, so I don't care if I think about this reason.

The third disadvantage: less credit card holding activities.

I don't know if my coordinate position is a stagnant pool or if I am ignorant. Basically, I can't see any activities of ABC's credit card in cooperation with other businesses. Occasionally, I saw some merchants engaged in car washing and maintenance, as well as Pizza Hut, all engaged in some preferential activities, and the credit card of Agricultural Bank of China was more favorable. Unlike those joint-stock banks, they provide customers with a series of preferential "big meals" together with various businesses every day. All kinds of activities, from delicious food to transportation, travel, accommodation, home and so on, make people dizzy and tempt people to hang up their desire to spend directly. Agricultural Bank has little activity, and credit card customers have no desire to spend. The possible result is that the amount is raised too slowly, or even free of charge.

Disadvantage 4: the grade of goods exchanged for points is very low.

Every bank credit card has some points redemption activities, and most credit card holders don't care much about this matter. After all, they often spend less than 10,000 points a year and can only exchange tens of thousands of points for a small coffee cup or spoon. Simply put the points in the credit card, and the bank is willing to clear them every year or store them permanently. ABC's points exchange is very low, and the requirements for points are very high. For example, a vacuum straight cup of Pleasant Goat series needs 60,900 points, and the value of this cup is no more than that of 20 yuan. A Haagen-Dazs 100 yuan voucher needs 60,000 points, and a Jieliya towel needs 26,000 points, worth 20 to 30 yuan.

Each bank's credit card has its own advantages and disadvantages. Credit card customers who may have a large transaction amount are more concerned about these activities, such as the quality of points exchanged for gifts and the amount raised. Anyway, personally, I feel that the amount is enough, and the rest are just clouds. How much does the bank save by using credit cards and businesses to invigorate kinetic energy? If you can't save much money, you might as well spend your money on those gifts instead of redeeming points. Then, if you increase the quota, you will spend more, and repayment is the most painful. As long as the amount is small and the pain is small.

I think the disadvantage is to return the brush. what do you think?

Most people ask about the advantages and disadvantages of a bank's credit card. I happen to have a credit card of the Agricultural Bank of China, which has been used for many years. Then I will talk about the shortcomings of the credit card of the Agricultural Bank of China:

First, the issue of quotas.

The initial credit card quota applied from ABC is 20,000 yuan (this quota should be above the average credit card quota issued by ABC). In recent years, some credit cards have been refurbished, some furniture and home appliances have been purchased, and some have been used one after another. It has been 345 years since the credit card limit rose to 40,000 to 50,000, but at present, the credit card limit has not increased at all. On the other hand, CITIC Bank uses less credit cards, which have now risen to 50,000 yuan! Generally speaking, the quota is not high, and the quota increase is slow!

Second, there are too few local preferential activities.

I don't know if it's because big state-owned banks disdain to do joint activities with some local vegetable merchants. Shiyan Agricultural Bank has basically no activities in Shiyan, only Pizza Hut; On the other hand, when China Merchants Bank enters the official account of Software or WeChat, it can see many local food discounts in Shiyan, with half price on Wednesday. Although I use this activity less, I still like it very much!

Third, telephone harassment is too serious.

I don't know if it's because I used it too much or something. As long as I have a large sum of money to spend or the bill comes out, the staff of the Agricultural Bank will call me to handle the installment! I just hung up here and called there again. Anyway, it is annoying! There are more telephones outside than advertising companies, and I feel that my privacy is not protected at all! I hope the relevant departments will pay attention to this!

Fourth, the card surface is monotonous.

Except for the slightly better design of individual card faces, most card faces are old-fashioned and ugly, which lacks innovation and attraction for customers of different ages!

Verb (abbreviation of verb) annual fee

A small number of ABC credit cards have no annual fee, and most of them are free. Generally, the annual fee is free in the first year, and the annual fee is free in the following year after the number of swipes in the first year. Some cards have a high annual fee, but the problems and tips on the number of swipes per year are not good enough and detailed enough, which makes people forget and can't tell whether they meet the standards!

Almost ABC's credit cards mainly have the above shortcomings. I don't think most of the shortcomings are serious, but this frequent harassment is a bit excessive. I hope it and relevant monitoring departments can pay more attention to it and improve it! Speaking of disadvantages, let me talk about advantages:

I. Integral

Credit card points of each bank can be exchanged for gifts, and credit cards of Agricultural Bank of China can also be exchanged for gifts. I won't go into details about the projects here. Almost all banks have those things! The credit card points of Agricultural Bank of China can be deducted from cash 1000 points, and 0 yuan 65438+ can be deducted from the take-out of the US group. Although the cost performance is not very high, at least it can be used as money!

Second, consumption cashback.

I signed up for activities on mobile banking of Agricultural Bank of China, and I got a red envelope at random when I spent 18 yuan every day, with a maximum of 666 yuan. At present, I can get more than five yuan at most.

Third, discounts.

Every month, we use ABC mobile banking (fuel card) to charge the phone bill on WeChat. The first 20% discount can only be 100 MINUS 20, and there are two 5% discounts!

As one of the four state-owned banks, Agricultural Bank of China has a good reputation and obvious shortcomings.

ABC's shortcomings

① The application threshold is high, the period is long and the quota is low.

The card threshold requires you to have a car, a house and a deposit of more than 50,000 yuan in the Agricultural Bank of China. People who want to meet this qualification often have strong economic strength. But on the other hand: I have a car, a house and a deposit. Do I still need a credit card?

It takes a long time for ABC to apply for a credit card, which usually takes more than half a month to complete. It is much slower than the 3-5 working days of Guangfa, Investment Promotion, Peace and Transportation. People who need money badly can't wait to use it when they get off the card. We can only find another second to use it.

Admittedly, ABC's quota is low. Just last year, I opened a credit card of Agricultural Bank of China with a limit of only 2,800 yuan, so I didn't activate it. The activation operation is also quite complicated. To provide this and that, I felt that only the limit of 2800 was so complicated. So we have to put him aside.

② No card loss guarantee service.

Many people play cards, but they never care about the protection of losing cards. Wasted his rights and interests in vain. In fact, many banks have lost their card guarantees. As long as the amount of loss caused by the loss of credit card is not your own reason, the bank will compensate you for the loss. You can imagine how fragile it is without this function. If someone steals this place for a while, you will lose a lot.

③ SMS reminder fee, 2 yuan/month.

Many banks have SMS notifications to remind them of changes in the amount. Agricultural Bank of China does not have this service. If you want to open SMS consumption reminder, then you have to pay a SMS reminder fee of two yuan per month. But we can simply do it through the official WeChat account, and we don't need to open this function.

(4) Online staging malls exist in name only, mainly because there is no maintenance and update, and many businesses are closed down. Among the four major state-owned banks, such websites are relatively poor. Usually do not update the latest news of the online mall.

⑤ Web page loading speed is too slow; There are too many contents on the website of Agricultural Bank of China, so load the speed card. The website of Agricultural Bank of China is very crowded, and fewer and fewer people use credit cards regularly.

⑥ The billing date of each card is different. The billing date and repayment date of each card type are the same. It seems very rigid and difficult to remember. He won't change orders like China Merchants Bank. This is a fixed line. Some people will pay back as soon as they get paid, while others will pay first. Some people pay their wages to the repayment date. But I think as long as your salary is paid, it will be very good under the current epidemic situation all over the world.

Summary: Agricultural Bank's credit card has both advantages and disadvantages.

I have used the agricultural bank card for about six years. If I use it well, the amount will increase quite quickly. However, it cannot be phased in, and the Agricultural Bank of China will not give the quota during the phased period. Therefore, ABC wants to increase the credit line, as long as it is used normally, there is no need to stage it.

If something really happens to you, you will know that ABC is more ruthless than other banks. The deceased's bill in COVID-19 is overdue and cannot be exempted from interest and liquidated damages. When he was alive, it was not overdue. His family called in April to repay the loan and asked me to call. How can I make a phone call when everyone is gone? Garbage customer service level.

Agricultural Bank credit card is the most rubbish credit card I have ever used. Accidentally overdue for four days, the charge ratio is high.

The disadvantage is that I refused after waiting for a month. CCB will give me 7 working days, from filling out the application form to sending the card home.

Is the Agricultural Bank credit card easy to use? What are the advantages and disadvantages?

Every credit card has its own characteristics, both advantages and disadvantages. Cardholders should choose according to their own needs and characteristics. In this issue, I will take stock of the advantages and disadvantages of ABC credit cards for everyone.

Advantages of ABC's credit card:

1, with many business outlets. Of course, compared with the other three major banks, ABC has another advantage: there are many small local outlets. Agricultural Bank of China may have the largest number of outlets among the four major banks. Because it is a "farmer", it is easy to find the Agricultural Bank even in a small place. This is the most prominent point of ABC!

2. The longest interest-free period is 56 days. The longest interest-free repayment period is 56 days, which is ahead of domestic counterparts and more flexible in mastering funds.

3. There is a student credit card specifically for college students. As long as you bring your ID card and student ID card to the business outlet, you can apply for a credit card unconditionally. Compared with ICBC Peony Student Credit Card, the credit limit is higher, with a minimum of 3,000 yuan.

4. ABC has many preferential activities. Enjoy a 6% monthly refueling subsidy, three free rescues around the world, and 4S store maintenance discounts; The credit card of Agricultural Bank of China often offers half-price movie viewing discount. 5. Universal at home and abroad. It can be directly consumed by more than 20 million merchants with VISA, MasterCard logo and China UnionPay logo at home and abroad, and can withdraw cash from more than 840,000 ATMs around the world, enjoying convenient and fast services at any time.

6. One card and two coins can be paid freely. The setting of RMB and USD dual accounts is specially designed for your global settlement needs, making the journey more relaxed and free.

7. ABC's most beautiful mother credit card gives more care to the baby and herself. You can get Spongebob Coral Velvet by brushing the 88th Head of State, and you can enjoy a full discount when shopping in Dangdang, JD.COM, and you can get a Disney English course of 5,000 yuan when you spend the full amount in the whole year! Also enjoy the integral area of beautiful mother!

Disadvantages of ABC's credit card:

1. As the four major banks, credit card approval is relatively strict, which is not as good as China Merchants Bank, CITIC and Guangfa. And there are many users of Kameng. Com said that the efficiency of ABC's credit card is not that high. (But it depends on the specific business outlets. )

2. The quota increase is relatively slow.

3. Although the Agricultural Bank of China has many concessions, banks such as China Merchants Bank, Guangfa Bank, CITIC Bank and China Construction Bank also have many concessions.

This is the end of the introduction about the credit card of Agricultural Bank of China and how to be reliable. I wonder if you found the information you need from it?