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.

Which bank is better for credit cards?

To apply for your first credit card, we recommend China Merchants Bank, Agricultural Bank of China and Industrial and Commercial Bank of China. China Merchants Bank’s credit card has the highest potential value. As long as China Merchants Bank’s credit card is approved, basically all banks will follow. All credit cards can be easily approved.

Of course, there are deviations in personal circumstances. For example, if you have a savings card with ICBC and have a stable transaction record, you can apply for ICBC first, so the card limit may be higher. Better.

In fact, as long as you have a legitimate job, no matter which bank you choose to apply for a credit card for the first time, the card application rate will be relatively high. If you are pursuing a quota, you need to pay attention to some skills.

Extended information:

Counter, door-to-door or online application

There are three main ways to apply for a credit card: go to the counter, have a salesperson come to your door, and apply online. Apply. It is recommended that you go to the bank counter and apply online (online application). If you apply online, be sure to look for the bank's official website and don't be fooled by copycat websites.

If you have a car and a house, it is most appropriate to go to the counter to apply. In this way, the card placement rate is basically 100%, and the limit will not be too low. When some salesmen come to apply for a card, they will often make promises about your credit card limit in order to facilitate your card application. In the end, after getting the card to activate, they find that the limit is actually very low.

If you apply online, you can generally choose to activate online on the bank's official website or official WeChat official account. If you have already made up the image, you need to go to the counter to activate in person. To sum up, it is actually more appropriate to apply for a credit card online for the first time. All credit card information, including limit, annual fee, billing date, interest-free period, etc., will be clearly marked.

People who apply for a credit card for the first time are often inexperienced. When consulting at the counter or asking door-to-door sales staff, they will inevitably overlook many details, which will make them frustrated in the end. As long as you are careful when applying online Be careful and you will not overlook these details.

Credit card limit

According to big data analysis, the credit limit for a first-time credit card is generally between 3,000 yuan and 10,000 yuan. When you apply for a credit card for the first time, you don’t need to pursue the credit limit too much. The first credit card is actually used to familiarize yourself with the consumption characteristics of the credit card. As long as you ensure good card usage habits, it is not difficult to increase the credit card limit.

During the application process, there are some tips that will help you apply for a card

1. Don’t apply blindly

When applying for a credit card, each The big banks made random applications and applied to 4 banks in one day. In the end, not a single card was approved. Because the credit reporting systems of major banks are all connected to the Internet, this can easily be judged as a malicious application by the bank. So try to only apply for one at a time, and then apply for credit cards from other banks after they are approved.

2. The application materials must be true and remember to back them up

Do not exaggerate the application materials in order to increase the approval rate, or even forget how you filled in the application materials for the first time. . Once the bank calls to verify, I am completely confused. When encountering this kind of application, the bank will basically not approve it. Therefore, the application information should be as true as possible and keep backup copies, especially if you apply online.

Which bank’s credit card is better?

Credit cards with good reputations and creditworthiness currently on the market include: China Merchants Bank Credit Card, Ping An Bank Credit Card, China Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card, etc. They are all good choices. Of course, credit cards The specific amount depends on individual qualifications. It is impossible to generalize which bank's credit card is the best, as long as it suits the user himself, it is the best. The following is the situation of some bank credit cards:

1. Industrial and Commercial Bank of China: Easy repayment, high credit limit, but the application conditions are strict.

2. Bank of China: The credit limit is low, the activity points are relatively few, and repayment is convenient.

3. China Merchants Bank: The success rate of card application is high, the credit limit is relatively high and there are many activities, and repayment is also very convenient. It has powerful functions, many types of cards, high efficiency, high-quality services, you can adjust the consumer credit limit at any time, powerful online banking, lifetime points system, and the latest card loss protection plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good.

4. China CITIC Bank: There are many discounts and strong discounts, but the credit limit is average. The interest-free period is up to 56 days, text message reminders are free, and consumption details can be checked via mobile text messages.

5. China Everbright Bank: It has a high success rate in applying for a card, a higher limit and a faster limit increase, and many points activities.

6. Guangfa Bank, no need to submit any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, someone at the card center will contact you within 15 working days to check your credit. The result is that Guangfa Card has relatively powerful functions, a very favorable points policy, many discounts, timely text message reminders, and online payment. It is relatively mature and supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary.

7. HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent promotions are generous. The points are valid for 2-4 years, which is not very good, but the points can be exchanged.

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. "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-CCB Credit Card

Which bank’s credit card is better?

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. The credit limit can be used 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 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.

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 transaction fees, high aviation accident insurance, and free annual fees. etc. 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. And 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 bank should I apply for? Better credit cards

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 the 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 will be more troublesome to cancel the credit card.

That’s it for a good introduction to a credit card bank.