The credit card of Industrial Bank is OK, the application is relatively easy, and the service is not bad. Generally, the ordinary card of Industrial Bank is free of annual fee in the first year, while the gold card needs to meet the corresponding credit card conditions or the number of points, and the platinum card needs to charge an annual fee no matter how much it costs. Taobao card is an ordinary card. If you change to a platinum card (standard version), you will have to pay an annual fee of 2600 yuan, but the corresponding platinum card has many discounts in all aspects.
Annual fee-free policy: Puka Gold Card swipes 5 times to avoid the annual fee for the following year;
Handling fee for cash advance: RMB: 2% of cash advance, minimum 20 yuan/transaction (regardless of the same city and different places), foreign currency: 2% of cash advance, minimum USD 2/transaction (regardless of the same city and different places);
Multi-account management: quota sharing, independent repayment on a billing day;
Installment business: supports installment business, interest-free installment for specific merchants (3, 6, 12), bill installment business (3, 6, 12, 18, 24) and single consumption installment (3, 6, 65438+).
Bookkeeping date: according to different card types and different bookkeeping dates, cardholders can change once every six months;
Types of cards: ordinary cards (quota 1500-50000 yuan) and gold cards (quota 7000-50000 yuan);
Industrial Bank was established in 1988 and its head office is located in Fuzhou, Fujian Province. It is one of the first joint-stock banks in China and ranks among the top 300 banks in the world. Industrial Bank Credit Card Center was established in July 2004. It is a directly affiliated institution of the head office headquartered in Shanghai, and is fully responsible for the operation and management of the credit card business of Industrial Bank.
In order to better serve customers and enrich the product functions of credit cards, Industrial Bank credit cards have promoted a number of withholding and remittance services in different cities across the country. Business types mainly include: China Unicom mobile phone fee withholding, telecom fee withholding, tap water fee withholding, electricity fee withholding, gas fee withholding, gas card withholding and so on. With the continuous development of new business, Industrial Bank will strive to develop diversified withholding services according to market conditions to meet the payment needs of different customers.
How about Industrial Bank credit card?
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.
How about Industrial Bank's credit card?
Any bank has both good and bad sides. Can't generalize, generalize. We should treat it rationally, split it in two and analyze its advantages and disadvantages. Industrial Bank is a regular bank. Approved by the People's Bank of the State Council, People's Republic of China (PRC) and China, it was established on August, 2008 1988. Industrial Bank is the first joint-stock commercial bank in Chinese mainland. Since its establishment, it has become one of the few national joint-stock commercial banks in China and has been well received by all walks of life at home and abroad.
Advantages of Industrial Bank Credit Card:
Save money: Under normal circumstances, the credit card of Industrial Bank has to pay an annual fee, but it also offers annual fee concessions. The Industrial Bank credit card handled in the first year can enjoy the annual fee-free policy. You can also waive the annual fee for the next year in the first year. As long as you swipe your card five times with any amount of Industrial Credit Card, you can save a lot of annual fees and enjoy it for free.
Large amount: customers generally do not choose a small Industrial Bank credit card. The maximum credit card limit of Industrial Bank Jinpu Card can reach 50,000 yuan, and there is no trouble of low credit limit.
Points: Industrial Bank will provide points for customers' credit card consumption, and customers can get gifts through the corresponding points provided by Industrial Bank. After the card expires, the cardholder will renew the card and the points will be renewed automatically.
Simple: The application process of Industrial Bank's credit card is very simple, and there is no need to provide guarantor and deposit. Industrial Bank can issue credit cards according to the applicant's personal credit situation.
Extensiveness: Industrial Bank credit cards can be consumed by special merchants with UnionPay logo nationwide, and can also be withdrawn from ATMs with UnionPay logo nationwide.
Security: In order to ensure the security of customers' cards, customers can enjoy the security guarantee of zero card loss risk.
Convenience: customers don't have to travel around for repayment, and they can also realize the inter-bank repayment business of Industrial Bank's credit card.
Speediness: Under normal circumstances, in order to avoid overdue repayment, early repayment and transfer, the bank card of Industrial Bank can be received in real time. ：
Industrial Bank Credit Card Application Conditions
1, aged between 18 and 60 years old. If you apply for an online credit card, it needs to be between 22 and 60;
2. Have full capacity for civil conduct;
3. Cardholder 14 years old;
4. Personal credit is good, and it is best not to have overdue records;
5. Have a stable income and job;
6. The applicant has a local branch of Industrial Bank.
In addition, if the applicant can provide more financial proof, Industrial Bank will increase your credit card limit according to your financial situation.
Is it reliable for Industrial Bank to handle credit cards privately?
Reliable. The credit cards of Industrial Bank are all recorded and conform to the national regulations, so the private handling of credit cards of Industrial Bank is reliable. Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
Is the credit card of Industrial Bank good?
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.
Industrial Bank credit card installment is not reliable.
Reliable.
The Industrial Bank credit card cannot be cancelled if it has been processed for 36 periods. Users can only choose to prepay and terminate the installment, and need to call the customer service hotline to apply. If the automatic installment service is enabled on the card, the user can choose to close the service, but the bill that has applied for installment is also irrevocable. Therefore, users must carefully consider whether to apply for staging. Once the installment application is successful, it cannot be cancelled.
1. History of Industrial Bank Co., Ltd.:1Established in August 1988, it is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. The company was officially listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166), and its headquarters is located in Fuzhou.
2. Service concept of Industrial Bank: Since its establishment 30 years ago, it has always adhered to the business philosophy of "sincere service and growth" and is committed to providing customers with comprehensive, high-quality and efficient financial services. By the end of 20 14, the total assets of Industrial Bank exceeded 4 trillion yuan, reaching 4.4 1 trillion yuan, an increase of 19.84% over the beginning of the year. The net assets per share attributable to ordinary shareholders was 65.438+0.286 billion yuan, an increase of 22.6 1% compared with the beginning of the year. The annual operating income was 65.438+024.834 billion yuan, a year-on-year increase of 654.38+04.23%; The net profit attributable to shareholders of the parent company was 47,654.38+0.08 billion yuan, a year-on-year increase of 65,438+0.436,5438+0%; The weighted average return on equity remains at a high level of 2 1. 19%; Set up 108 branches in major cities in China, with 1435 branches; It owns subsidiaries such as Xingye International Trust, Xingye Financial Leasing, Xingye Fund, Xingye Consumer Finance, Xingye Wealth and Xingye Guo Xin Asset Management, and has formed a modern financial service group with banks as the main body, covering trust, leasing, funds, securities, consumer finance, futures and asset management.
3. Service tenet of Industrial Bank: As the first "Equatorial Bank" in China, Industrial Bank has always adhered to the "scientific and sustainable" development concept, operated legally, steadily and in a civilized manner, taking into account the interests of shareholders, customers, banks, employees and the social environment, and actively practiced corporate social responsibility, which has been widely recognized and praised by all walks of life at home and abroad.
4. Honors won by Industrial Bank: In recent years, it has won the honors of the best joint-stock commercial bank, the most innovative bank, the most listed company with investment value, the best shareholder return bank in Asia, the best profit bank in Asia, the best corporate citizen in China, the most socially responsible listed company, the best green bank, the winner of the Asian Sustainable Bank Award, the national advanced group for emission reduction, and the "carbon society citizen" of the World Environmental Protection Conference. According to the latest evaluation by the British Banker, American Fortune, Forbes and other international authoritative organizations, Industrial Bank ranks 43rd among the global 1000 banks, 338th among the global 500 companies, 29th among the global 2000 listed companies, and ranks among the domestic 10 banks. And has been rated as the best joint-stock commercial bank by authoritative institutions or organizations at home and abroad for many times.
So much for the introduction of reliable credit cards of Industrial Bank.