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.
What card is the most economical to use to refuel?
Refueling by credit card (debit card) is generally cheaper, but the preferential refueling activities launched by major banks are different, and car owners can choose according to their actual needs:
1, Ping An Credit Card (debit card) can enjoy a discount of 8.8% on daily refueling if its consumption reaches the standard;
2. Bank of Communications credit card (debit card) participates in the five-day activity of the most red star period, with a 15% discount for refueling, and a maximum of 8.7% discount for white Kirin card on Friday;
3. China Merchants Bank CARCARCARD carcard consumption standards, cash back 5% every Friday, usually cash back 3%;
4. CGB owners can enjoy 1% cash back by swiping their credit cards (debit cards), with the upper limit of 30 yuan/month.
202 1 what card is more cost-effective? These models are worth recommending-stock-based city financial management.
Now all the major banks have introduced the owner's refueling credit card, so what card is more cost-effective for 202 1? It is understood that at present, the more popular fuel cards are Minsheng Automobile Credit Card and CCB Longka Automobile Card. What rights can these credit cards enjoy? Let's take a closer look.
Fuel card
First, Minsheng Auto Credit Card
This credit card is divided into several grades. At present, there are gold cards, standard platinum cards and luxury platinum cards. Car owners with different economic strengths can find something that suits them.
The advantage of Minsheng automobile card is that the cardholder can enjoy a fuel refund, and the refund ratio depends on the level of the card. Gold card monthly yield of 5%, the upper limit of 50 yuan; The monthly yield of standard platinum card is 8%, and the upper limit is 100 yuan; Monthly yield of luxury platinum card 15%, with the upper limit of 200 yuan; Each diamond card can be returned 100% per month, the highest in 500 yuan.
After getting the gas money, you can exchange it at 1: 1, which is more cost-effective.
Two. Guangfa China Life Co-owner Card
This is the new owner's credit card of Guangfa. It is also more cost-effective to use it to refuel. As long as the monthly integral consumption is more than 3,000 yuan, you can enjoy cash back by swiping your card at the refueling merchant. The cashback ratio varies according to the level of the card.
Among them, the standard card cashback rate is 3%, and the 30 yuan is capped every month; The cash back ratio of gold cards is 5%, and the monthly limit is 50 yuan; Cash-back rate of premium 12%, monthly ceiling 120 yuan; Value-added cashback rate 15%, monthly ceiling 150 yuan. The highest cashback ratio is 2 1%, and the highest cashback amount is 2000 yuan/year.
Three. China Construction Bank Longka Automobile Card
The most cost-effective place for this credit card to refuel is that you can use POS machine consumption points to exchange for refueling fees. As long as your score is 50000 points, you can exchange it in multiples of 10000 points.
The conversion ratio of the part below 50000 is 0.2%, that is, every 25000 points is converted into 100 vitality; ; The part exceeding 50000 will be exchanged at the exchange rate of 0.4%. You can exchange 1 10,000 points at most every year, breathing 4,000 yuan, and saving 4,000 yuan a year.
Which bank has a discount for credit card refueling?
Credit card refueling has the following benefits:
1, ICBC ETC credit card
ICBC ETC Credit Card is a livelihood service credit card product tailored by China Industrial and Commercial Bank for the majority of car owners. This product not only has the safe, convenient and powerful financial functions and services of ICBC credit card, but also can provide you with many benefits such as "5% cash back from nearly 30,000 designated gas stations such as PetroChina and Sinopec" and "Zhixing World Car Owners Preferential Platform".
2. Minsheng Auto Credit Card
Before May 3, 20021year, cardholders can use Minsheng Cheche Credit Card (including mini version) and Minsheng Benz Owners Club Credit Card (hereinafter referred to as "Minsheng Benz Card") every month to meet the specified conditions, and they can enjoy the rights of refueling return, and the maximum monthly refueling money can be returned to 500 yuan! The fuel money can be exchanged for 10000 fuel cards every month, and the quantity is limited, first come first served! If the exchange amount has reached the upper limit this month, it can be exchanged in the next month within the validity period of the refueling money.
3. China Post Owner Card
Owner card is a theme credit card launched by our bank for car owners, including ordinary card, gold card and platinum card. Puka uses virtual card to issue cards in real time, which meets the needs of car owners and customers to issue cards quickly and bind ETC in real time. According to the product grade, gold and platinum cards provide cardholders with supporting rights such as refueling and car service to meet the multi-dimensional needs of cardholders' car consumption services.
4. Good Master Platinum Credit Card of Ping An Bank
Enjoy a 28% discount when you refuel:
4. 1. New customers who apply for Ping An Hao Owner's Credit Card for the first time: within 6 months, they can enjoy a 28% discount on designated refueling consumption without consumption threshold, and they can continue to participate in refueling activities for Ping An Hao Owner's Credit Card customers from the seventh month of the nuclear card. The maximum monthly refueling bonus for customers with good owner's credit card Platinum Card is 150 yuan.
4.2. Customers who have settled in a good owner's credit card: From August 1 day, 2020, when they spend 2 RMB 388 in the current month, they can enjoy a 28% discount on the designated refueling consumption of the designated credit card. The maximum monthly refueling bonus for customers with a good owner's credit card Platinum Card is 150 yuan.
5. Chongqing Bank Credit Card
During the activity, customers with our credit card can enjoy the corresponding preferential relief when they reach the specified amount of gas at the designated site of Yulong Petroleum (see annex). Inform the gas station staff to participate in our credit card activities before payment. After deducting points through our inter-bank POS machine, gas station staff can pay by credit card for customers and enjoy preferential activities. Each card can enjoy/kloc-0 once a day, 4 times a month.
China Minsheng Bank Credit Card Center-Minsheng Cheche Credit Card
Industrial and Commercial Bank of China-Credit Card-Card World-ICBC ETC Credit Card
Postal Bank of China-Credit Card-Owner Card
Ping An Bank-Credit Card Application Home Page-Good Owner Platinum Credit Card of Ping An Bank
Chongqing Bank-Chongqing Bank Credit Kalong Fish Oil Refueling Discount
Which bank's fuel card is the best deal?
1. ICBC Peony Zhong You Credit Card: It is a joint-name card jointly launched by ICBC and PetroChina, which can enjoy a 30% discount on credit card refueling and 24-hour national road car rescue service.
2. Guangfa Owner's Credit Card: nationwide 100 km free road rescue service, credit card refueling 5 times points or 1% cash back discount, optional high insurance protection and many other functions and benefits.
3. Xingye Cheyou Card: MasterCard RMB/USD dual-currency credit card, which can be divided into distinguished card and elite card. When swiping a card, you can enjoy up to 5 times of points, and you can quickly exchange the fuel fee. The maximum 0.2 yuan/fuel fee subsidy can offset the fuel fee.
Bank card refers to a credit payment tool issued by commercial banks (including postal financial institutions) with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc. Bank card reduces the circulation of cash and checks, which makes the banking business break through the limitation of time and space and undergo fundamental changes. The application of bank card automatic settlement system makes the dream of "no cheque, no cash society" come true.
The 20-year development of China's bank card industry can be roughly divided into four stages:
1985 to the early 1990s, is the initial stage.
From the early 1990s to the beginning of 1996, the bank card business was independently developed for branches in large and medium-sized cities. At this stage, the Gold Card Project started.
From 1997 to 200 1 at the end of the year, China bank cards gradually realized the general stage of networking.
Since 200 1, in order to promote the in-depth development of bank card networking in China, the number of bank cards issued by various banking institutions in China has increased rapidly.
According to the full-time vice president of China Banking Association, by the end of the first quarter of 20 10, the number of cards issued by China reached 265,438+69 million, up by 14.9% year-on-year. The utilization rate of bank cards has gradually increased, and card consumption accounts for 30% of social consumption.
By the end of 20 1 1, the cumulative number of bank cards issued exceeded 2.85 billion, up by 18% year-on-year. Credit card consumption exceeded 16 trillion yuan, a year-on-year increase of more than 50%, accounting for more than 40% of the total retail sales of consumer goods, an increase of about 6 percentage points over 20 10. 20 1 1 year, there are more than 35,000 convenience payment outlets, 47,000 directly connected merchants and 2 10000 POS machines in secondary cities, reaching 15 16000 respectively.
In the whole year, 2.2 trillion yuan and 860 million interbank transactions were realized, accounting for 47.4% and 52% of the national interbank transactions respectively, and the contribution of transaction amount increased by 2.4 percentage points compared with the beginning of the year.
China UnionPay and commercial banks jointly launched the Rich Farmers Card, which has been issued in 28 institutions in 28 provinces across the country, with an annual card issuance of more than 5 million, becoming a new platform for serving agriculture, rural areas and farmers.
What credit card has a strong refueling discount?
Every bank has different gas concessions. The following is a reference. .
1. When the monthly consumption of the automobile credit card of Minsheng Bank is full 1500 yuan, 5% of the gas money will be returned, with the upper limit of 50 yuan;
Over 2500 yuan, get 8% of the refueling money back, the upper limit is 100 yuan; More than 3,000 yuan, return 15% of the refueling money, with the upper limit of 200 yuan; More than 6500 yuan, return 100% of the gas money, the upper limit of 500 yuan.
2. Ping An Bank Owner's Credit Card All Ping An Owner's Cards can participate in daily refueling, with a discount of 8.8%. More than 8,000 gas stations (Sinopec and PetroChina) in 48 cities across the country can get the highest monthly 80 yuan refueling bonus.
3. China Merchants Bank CARCARCARD car credit card pays the gas fee at the designated gas station, and returns 3% on weekdays and 5% on Friday.
Cheyou Credit Card of Industrial Bank purchases the insurance products designated by our bank at one time through Cheyou Credit Card of Industrial Bank, and successfully withholds the premium of more than 2,000 yuan (inclusive), so you can enjoy the 0.2 yuan/liter postage subsidy.
5. The monthly credit transaction of China Bank Great Wall Global Connect Ai Jia Auto Credit Card (excluding refueling) is 65,438+0,000 yuan, and you can cash back in 50 yuan by swiping your card at any gas station on Friday, Saturday and Sunday of that month.
Nine, the construction bank UnionPay Longka car card consumption points double oil change, calculated by the integer of 10000 points, more than 50000 points calculated by 4%; Below 50,000, press 2%.
Extended data:
Major credit card offers
First, shopping.
China Everbright Bank: From now until 20 19,165438+10.30, every Monday, Tuesday and Wednesday, starting from1100 on each activity day, users will shop at Shanghai Rosen Store and through UnionPay China UnionPay. Each person is limited to 1 time per day and 4 times per month, and each activity day is 1 000. Places are limited, first come, first served.
China merchants bank: from August 2019 15 to September 30, users will bind the debit card of China merchants bank and use the mobile banking App of China merchants bank to scan the code to pay for 5 yuan and 3 yuan.
Shanghai Pudong Development Bank: From now until February 27, 20 19, 10:00, users can enjoy a 50% discount when shopping in offline stores nationwide on Mondays, Tuesdays and Tuesdays, with an upper limit of 10 yuan (per person per month 10 yuan).
Second, food.
Bank of Communications: From now until September 30, 20 19, Bank of Communications credit card users can enjoy five benefits by logging in to the Pay APP: free receiving 14 days' hungry svip/ sending 10 yuan's hungry red envelope/takeaway order and enjoying 100% points/new customers enjoy "/.
China Merchants Bank: From now until September 20 19 and 17, users with life-binding cards can grab Starbucks latte/Starbucks 3 yuan coupons, and have the opportunity to get Luckin Coffee 24 yuan drinks/100 RMB repayment/KFC ice cream cone.
ICBC: On Monday, July 20 1 September 23, 2009, ICBC credit card users can enjoy the discount of 15 yuan for a single purchase in 60 yuan, and each discount is limited to1time on each activity day.
Industrial Bank: 2065438+September 2, 2009-65438+February 3 1, every Monday to Thursday morning 10:00, users can pay the hungry order through Alipay, and use the Industrial Bank credit card (if they are hungry, the functions of confidential payment, other people's payment and balance payment are not allowed) to enjoy the full 650.
Everbright Bank: Before 20 19 12 3 1, users can download and register the Sunshine Life APP, and at the same time use the credit card of Everbright Bank to pay at the "Food Festival", so they can buy a copy of 30 yuan's Kung Fu rights and interests at the price of 10 yuan, and each person can only buy rights and interests three times a week. Voucher validity period
So much for the cheapest introduction of credit card refueling.