The following is the original experience of credit cards:

(1) The best online service is China Merchants Bank. The only drawback is that the points are not user-friendly! It is recognized as an international five-star service. ~You will truly experience the feeling of God when doing any business in this bank~ China Merchants Bank logo: Sunflower Xiangyang (meaning that the bank’s services are always oriented towards the needs of the people~)

(2) The strongest point gift is Guangfa. The disadvantage is that there is no telephone banking for debit card transfers, and some ATMs cannot yet transfer. Online banking is extremely slow and often causes problems. It is extremely slow to send cards and extremely busy on the phone.

(3) China Merchants Bank, Bank of Communications and Shanghai Pudong Development Bank are the Among the three fastest banks, the first two are the easiest to issue a card. If the first two cannot issue a card, you are basically out of luck with other banks~

(4) If you are a girl, your credit limit will be higher than that of a boy. If you are married, It is higher than those who are not married ~ (I mean the same income level)

(5) Tips: Agricultural Bank of China has the worst service and the lowest limit is slow to issue cards. Those who want to be upset and challenge the application limit can choose This trip

(6) ICBC’s credit limit is not high, but its online functions rank second among the four major banks. CCB’s online banking is better than ICBC’s but the limit is too high, but CCB’s online transactions have points. ICBC does not have it~ Please bring your own oxygen bottle when applying for an ICBC card~ because the speed of card withdrawal can make you suffocate~

(7) The above is written based on personal experience and the experience of friends around me. If you feel like You can treat your difference as if I didn’t mention it. I have credit cards from almost all banks, so this summary is still representative~

(8) Note that many good bank cards do not have passwords by default according to international practice. , be sure to set it after receiving it. The strangest thing is that GF is the only credit card that cannot set a password (its transaction password is used online and is not needed offline)

Please set it after opening the credit card Use it 6 times~ Otherwise it will be boring to have insomnia over this problem in the future. It’s not difficult to go to the supermarket to buy toilet paper 6 times. You have to use it anyway~ It’s impossible for you to say you don’t go to the toilet in a year~~

(The following story is true, it happened when my friend had a good repayment record and never had any problems with his credit)

Recently, 30 people’s credit cards have been frozen, and the bank has no profit. It’s a way to force users to withdraw their cards

(Because as long as the card you used is frozen, you can only repay the money and you can’t use it, and you won’t be able to get it for a while. Enough money so that he can charge you late fees and interest)!

So it is recommended that you do not use credit cards, the risk is very high! You will be involved in the letter without notice ~Use~Danger~Opportunity~

When you finally pay, just record your letter with~Use~ and let it be easily hacked~

If you have a few of them He removed one of the credit cards and blacklisted them.

However, no matter how many credit cards China Merchants Bank issued, there was only one record in the credit report of the Central Bank

(At present, only China Merchants Bank is so kind, so friends with many CMB cards need not be afraid~)

There is no impact at all~ It is very simple for China Merchants Bank to succeed~ As long as the debit card is verified during the review A certain amount of money, this amount determines your credit limit~

Don’t apply for the Bank of Communications~ It is a very dangerous card, and the card will be suspended at any time~ I have had three cases with friends around me. If you don’t withdraw when the card is suspended They can earn interest on you~because they can earn a lot of interest on the minimum payment~