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 This credit card is the bank with the largest number of outlets in China at present, and it can be withdrawn unlimited times, and there is no handling fee for local cash withdrawal.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. However, credit cards are generally low in amount and slow to withdraw cash, and the total consumption of all cards will not be automatically counted, 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.
Get a credit card. Which bank is better?
1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.
2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.
3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.
4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.
Which bank is better for handling credit cards?
Each bank's credit card has its own characteristics:
1, Ping An Bank: First of all, Ping An Bank is the bank with a lower threshold for handling credit cards. The reason why Ping An Bank can approve many credit cards that other banks can't approve is because Ping An's big data is relatively strong, and Ping An Bank's credit cards are often larger than those of other banks. Therefore, people who apply for credit cards in other banks but want to get more credit lines can try to apply for Ping An Bank credit cards.
2. Bank of Communications: The credit card of Bank of Communications has a feature that its credit line for enjoying loans is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to handle;
3. China Merchants Bank: A major feature of China Merchants Bank's credit card is that it has many activities and lasts for a long time, such as half price on Wednesday, annual ten-yuan storm, irregular cash withdrawal and bonus points. You don't have to brush points every day. Go to activities when you have activities.
In addition, the card issuance rate is relatively high now, and the credit cards suitable for novices include young card of China Merchants Bank, I Platinum of CITIC, DIY card of Guangfa, Wal-Mart card of Bank of Communications and so on.
For more information about which bank can handle credit cards, please visit: See More.
Which bank credit card is easy to handle?
Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.
Supplementary information:
Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.
Extended data:
1. The application conditions of China Merchants Bank credit card are:
1. Applicant 18 to 60 years old, with China nationality.
2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.
3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.
4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.
The applicant should have good personal credit.
As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.
6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).
Two. Basic conditions for credit card of China Everbright Bank:
1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.
2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.
This is the end of the best introduction about what credit cards are better and what banks do with credit cards. I wonder if you have found the information you need?