Which bank's credit card is better

At present, the credit cards with good reputation and credibility in the market are: 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, and of course the specific credit card amount depends on personal qualifications. Which bank's credit card is best can't be generalized, as long as it is suitable for users themselves. The following are the credit cards of some banks:

1. Industrial and Commercial Bank of China: The repayment is convenient, and the credit card amount is high, but the application conditions are strict.

2. Bank of China: The amount of card issuance is low, the activity points are relatively small, and the repayment is convenient.

3. China Merchants Bank: The success rate of applying for a card is high, the amount is relatively high and there are many activities, so repayment is also very convenient. Powerful, multi-card, high efficiency, high-quality service, can adjust the consumer credit line at any time, strong online banking, lifelong points system, and the latest card loss protection plan. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good.

4. CITIC Bank: There are many preferential activities, and the preferential intensity is great, but the credit line is average. The interest-free period is up to 56 days, SMS reminder is free, and the consumption details can be checked by SMS.

5. China Everbright Bank: The success rate of applying for the card is high, the amount is high, the withdrawal is fast, and there are many points activities.

6. Guangfa Bank does not need to submit any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully on the Internet, the people in the card center will contact you for credit information within 15 working days. As a result, the function of Guangfa Card is relatively powerful, the points policy is very favorable, there are many preferential activities, SMS reminders are timely, online payment is mature, Taobao eBay is supported, and points are available. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan per month. Credit card merchants are not as popular as the four major banks, and online banking is very simple.

7. HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. The disadvantage is that the credit line cannot be restored immediately after repayment, and the credit card pass rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, and the online banking is good. Recently, there are many preferential activities, and the validity period of points is not very good for 2-4 years, but the points can be exchanged.

which one is better to use, Guangfa Credit Card or China Merchants Bank Credit Card

Each has its own advantages, but relatively speaking, the activity of attracting investment is relatively strong, but the speed of Guangfa's withdrawal is relatively high. The repayment time is relatively long, which means that each has its own advantages.

1. In terms of discounts, there must be many credit card discounts offered by Guangfa Bank. Every Friday, there are all kinds of big merchants' buy one get one free or full discounts, and there are also various preferential activities. But in fact, the basic functions of credit cards are the same. China Merchants Bank credit cards can also be used for credit card consumption, accumulated credit, interest-free period of up to 5 days, etc., and different preferential and promotional activities will be launched irregularly for different credit cards.

2. In terms of life, the functions of the two credit cards are actually similar. CMB credit cards can be used for credit card consumption, online payment at home and abroad, installment payment, various+++,credit card points, accumulated credit, interest-free period of up to 5 days, etc. Different preferential and promotional activities will be launched irregularly for different credit cards.

3. In other respects, the after-sales service of China Merchants Bank is relatively good. Now there are many customers in China Merchants Bank, which leads to too many people queuing for customer service calls and bank repayment services. Although the business efficiency is high, there are too many users. If you go, you usually have to queue for more than an hour to finish it. In contrast, Guangfa Bank will be better.

1. The Platinum Credit Card of Guangfa Bank needs to pay an annual fee. If the user needs to upgrade the Platinum Credit Card, Guangfa Bank Platinum Credit Card needs a certain card cost. No matter how many times the user swipes the card every year, Guangfa Bank Platinum Credit Card needs to pay a fixed annual fee of 2,6 yuan.

Second, Guangfa Bank Platinum Credit Card will have more service functions. Aside from the basic overdraft function, Guangfa Bank Platinum Card will have more service functions. At the same time, users of Guangfa Bank Platinum Credit Card can also enjoy three installment services free of handling fees, and at the same time, they can also get high insurance.

Third, China Guangfa Bank Platinum Credit Card can earn business travel points. Although both Guangfa Bank Platinum Credit Card and China Merchants Bank Credit Card will have business travel points, under the same voyage, Guangfa Bank Platinum Credit Card will have higher business travel points, and even triple points overseas.

which is worth keeping, Guangfa Bank Platinum Credit Card or China Merchants Bank Credit Card?

I personally prefer the credit card of China Merchants Bank.

Strictly speaking, basically all credit cards have highly similar functions, so it doesn't matter which credit card you keep. But personally, I may prefer the credit card of China Merchants Bank, because the credit card amount of China Merchants Bank is relatively high and it is convenient to withdraw the amount. The following are my personal views:

First, you need to look at the credit lines of the two cards.

Generally speaking, many users hold multiple credit cards. If you want to keep some of them, you need to compare the credit line of each credit card. I suggest that you give priority to keeping credit cards with higher credit lines, regardless of the card type for the time being, because the card functions of credit cards are basically the same, except for some differences in welfare benefits and rates, but this difference can be ignored.

second, you need to look at your own consumption scene.

because different credit cards may have different emphases in different consumption scenarios, some credit cards will have higher discounts in specific consumption scenarios. If you spend mainly online in your daily life, you can keep the credit card with lower on-site consumption rate. If you often fly, you can keep a business credit card. Generally speaking, you need to determine the use of credit cards according to your actual use scenarios.

third, if the above two points are all right, I personally prefer China Merchants Bank credit card.

as I mentioned above, the credit line of China merchants bank credit card will be higher and the withdrawal amount will be higher under the same personal credit information. For ordinary users, keeping China Merchants Bank's credit card will give you more choices, and you can also invest more when you need to use funds. At the same time, I also think that the credit card of China Merchants Bank will look better, and the credit card of Guangfa Bank will be relatively common.

finally, the above is just my personal opinion, and it does not represent the standard answer. You can refer to it.

which bank has a good credit card?

China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank have good credit cards. There are a large number of card holders, which are welcomed by credit card users. They are all with many discounts, professional service, quick withdrawal and points. The following are the characteristics of these bank credit cards:

1. China Merchants Bank

The first nationwide credit card system and international 24-hour road rescue service have gradually become the service standards of the domestic credit card industry. In terms of product and service innovation, China Merchants Bank has created more than 1 new products and services with credit cards, persisted in promoting cross-industry cooperation mode, and 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 credit line of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

At the same time, Guangfa Bank issued a business card with credit card, which can be used in some large consumption places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.

3. Construction Bank

China Construction Bank Longka Credit Card is a credit card brand with 9 million customers. It adheres to the customer-centric concept and provides customers with professional financial services and convenient payment experience.

4. ICBC

ICBC's credit card approval does not follow the usual path, and it does not use the data of the credit center. The approval is based on its own system star standard. If you have a savings card in ICBC, the chances of applying for a card will be much greater. However, if there is no ICBC savings card, it is more difficult to apply for the card and withdraw the amount. There is no handling fee for cash withdrawal, the withdrawal is quick, the interest-free period is up to 56 days, and interest is not charged for the part that has been repaid when it is not fully repaid.

Disadvantages: the credit card is low, the discount is not strong, and the points are small. You can only accept credit card information when you download the app, otherwise you will have to pay for SMS reminders.

5. The Agricultural Bank of China

provides a series of intimate services, such as raising the temporary quota at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely notification by SMS, choice of consumption password, emergency assistance and various repayment methods. Combine the advantages of outlets, networks and products all over urban and rural areas to form a powerful functional advantage.

Extended information:

Key points of applying for a credit card:

Take comprehensive consideration of the use, application threshold, rights and interests, amount currency, installment interest and interest-free period, and finally choose a credit card that suits you.

Benefits

Credit card benefits are directly related to your actual interests. Common benefits include free handling fee for cash withdrawal, free handling fee for foreign currency transactions, high aviation accident insurance, free annual fee, and so on. In addition to these basic rights and interests, it depends on the number of local preferential activities and the value of points.

Run a local bank

Cards with many local activities: A large part of the reason for running a credit card is to enjoy the activities. The more cards there are in local banks, the more activities there are. So don't get a credit card without a local bank, otherwise it's basically equivalent to missing the event.

point value

the point value of a credit card is only determined by comparing the goods and services that can be exchanged for the points. For example, if you often travel by plane and stay in a hotel, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming air miles and staying in hotels, but each card may be redeemed by different airlines and hotels, so as long as the points can be redeemed for the services you often need, the points are of high value.

Baidu Encyclopedia-Agricultural Bank Credit Card

Baidu Encyclopedia-Industrial and Commercial Bank Credit Card

Baidu Encyclopedia-China Merchants Bank Credit Card

What are the advantages and disadvantages of CCB, ABC, BOC, Bank of Communications, CITIC and Guangfa? (Plus points when judging)

China Bank's credit card activities are rich and colorful, covering shopping, food, travel, leisure and other aspects. You can find out through credit card WeChat WeChat official account, Colorful Life APP, official portal, customer service hotline and other channels.

the above contents are for your reference. please refer to the actual business regulations.

if you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.

which platinum credit card is best to identify China Merchants Bank Everbright and Guangfa

Since a series of generous courtesy activities by major banks, the popularity of platinum credit cards has been high among cardholders. Many cardholders want to apply for one in order to enjoy the high quota and special courtesy of platinum credit cards. So which platinum credit card is the best among a wide variety of cards? Tell everyone: Look for the platinum cards of China Merchants Bank, China Everbright Bank and Guangfa Bank.

Classic Platinum Credit Card of China Merchants Bank

When it comes to which platinum credit card is the best, China Merchants Bank, as an old credit card bank, is something we have to mention. The benefits that China Merchants Bank Platinum Credit Card can enjoy are as follows:

Each card of the main card and the supplementary card has 12 CIP airport services per year; 15 million aviation accident insurance, 5 yuan fixed compensation for 4 hours flight delay or 2, yuan travel inconvenience reimbursement; 3 yuan +1 points hotel benefits 4 times a year per household; Use this card to book HYVISA hotels, and you can enjoy three free stays. 12 golf driving ranges per year; Points to mileage, etc.

China Everbright Bank Longteng Platinum Credit Card

China Everbright's Longteng Platinum Credit Card is also very cost-effective, and its rights and interests mainly include:

from the date when the new household is approved, it will receive unlimited Longteng VIP service in the first six months; Automobile road rescue service: six automobile road rescue services throughout the year, including three services: emergency trailer, roadside quick repair and emergency oil delivery, which are enjoyed by the cardholder himself, his spouse or the vehicle in which the cardholder rides; In terms of insurance, 2-hour flight delay insurance and aviation, train and automobile accident insurance will be given;

cardholders can enjoy a 2% discount when using this card to purchase any Longteng service products in Longteng Travel app or Sunshine Life app; 1 yuan designated airport parking; Stay in a five-star hotel for two and get one free.

Guangfa Bank Zhenshang Platinum Credit Card

This Zhenshang Platinum Card can be said to be the ultimate in business travel:

The cardholder can be named as the VIP room of high-speed rail by Guangfa Bank for unlimited times; Consumption in business travel or overseas merchants, 3 times points; 25: 1 Redeem Air China/China Eastern Airlines/China Southern Airlines Miles and asia miles Miles; There are also insurance gifts such as flight delay insurance.

I believe that cardholders have already compared which platinum credit card is the best. The three platinum credit cards issued by China Merchants Bank, China Everbright and Guangfa are all good choices, and cardholders can choose according to their own preferences and habits.

This is the end of the introduction about which is better, Guangfa Credit Card and China Merchants Bank Credit Card. Did you find the information you need?