Credit card application is easy, bank quota is high, interest rate is low, and credit card online application is handled:

If you want to find a bank with the best credit card, you can choose from private banks, local banks and their co-branded cards, which is also a common cognition.

In addition, the development of credit card business in different banks is different. Generally speaking, there are many credit cards, so the threshold for application is relatively low and the probability of passing is relatively high.

When handling credit cards, many cardholders not only look at the threshold of handling cards, but also pay attention to the amount. After all, the larger the credit card amount, the more enjoyable it is to swipe the card, so many people want to apply for a credit card with a good amount.

Meituan joint credit card

Meituan co-branded credit card is a co-branded card jointly launched by the bank and Meituan. The credit limit of Meituan's joint credit card is generally 1 0,000-50,000 yuan, and the maximum credit limit is 50,000 yuan. (

Meituan joint credit card application

)

Meituan has cooperated with Guangzhou Bank, Jiangsu Bank, Xiamen Bank, Guilin Bank, Shanghai Bank and Qingdao Bank to launch joint credit cards. The number of cooperative regional banks reached 14.

Cardholders can bind Meituan credit card on Meituan, and when spending on Meituan, they can use Meituan credit card to pay and enjoy relevant preferential activities.

If you are a senior user of Meituan, you often order takeout and group purchase, and you have certain spending power. You have applied for other bank credit cards and used them normally, so applying for the Meituan co-branded card is basically the second batch.

Meituan Credit Card can be used every day to deduct 6 yuan, and every takeaway can be deducted from 6 yuan for 90 consecutive days. Movies are 50% off every month, and credit card spending points can be automatically converted into the change of Meituan according to the standard of 10 yuan/100 yuan, which will be cashed on Tiantian Platform.

Bohai bank credit card

The credit card limit of Bohai Bank is: ordinary card limit1000-10000; Gold card amount10000-50000; The amount of platinum card is more than 50,000. It should be noted that the approval of credit line for credit card application is based on the applicant's actual situation, job stability, fixed income and so on. (

Bohai Bank Credit Card Application

)

Its products mainly include standard cards, Bohai Bank 5 1 joint credit cards, travel theme cards, house theme cards and family theme cards. The 5 1 joint credit card of China Bohai Bank is a UnionPay standard gold card, free of annual fee, with a maximum credit line of 654.38+10,000 yuan. The card does not have an interest-free repayment period, and it bears interest on a daily basis, and it can be repaid as it is borrowed, which flexibly meets the shopping and consumption needs of cardholders.

Shanghai Pudong Development Bank Credit Card

The credit cards of Shanghai Pudong Development Bank are divided into ordinary cards, gold cards and platinum cards according to the card level. Generally, credit cards are between 3,000 and 50,000 yuan, gold cards are between10000 and 50,000 yuan, and platinum cards are above 50,000 yuan. (

Shanghai Pudong Development Bank Credit Card Application Form

)

The credit limit of Shanghai Pudong Development Bank's credit card is the credit limit given by the applicant through various evaluations, including: work, credit history, education level, asset status, etc. The better the evaluation project, the higher the credit card limit.

Hengfeng bank credit card

The credit card limit in hengfeng bank is generally: the credit card limit is between 3,000 yuan and 65,438 yuan+00,000 yuan. Gold card amount: 5000 -30000 yuan. Platinum card amount: 10000 -50000. (

Hengfeng bank credit card application

)

This article mainly talks about hengfeng bank Star Platinum Credit Card, which is a family-oriented credit card. With this card, it can provide cardholders and their families with a variety of rich rights and interests, such as comprehensive aviation security, private health housekeeper shared by families, triple points on Wednesday, exclusive points cashback, UnionPay platinum courtesy and so on.

In terms of travel, Star Platinum Credit Card is also quite distinctive. With this card, cardholders and their families can enjoy global flight delay insurance in 300 yuan and air checked baggage delay insurance in 800 yuan for a single delay of two hours.

Which bank's credit card has better delay insurance?

From the wool party's point of view, the longer it takes, the better. A qualified delay is counting money, and the more money, the better.

Moreover, each insurance company has different standards for judging delays. Below, we will make a comprehensive comparison of several premium delay risks (one-time compensation 1000 or more) attached to platinum cards, so as to let everyone know what a "good delay risk" is and how to choose the right card to pay for it when purchasing air tickets. Whether you want comfort or wool, let's analyze the flight delay insurance of these credit cards.

Card types supported: I Platinum (excluding I Platinum+), VISASignature card, two kinds of annual fee-free cards, and various platinum cards requiring annual fees.

Insurance amount: if the arrival is delayed for 2 hours, the maximum compensation can be 1 0,000 yuan (not exceeding the current flight ticket price, including air ticket price and fuel tax, excluding airport construction fee). If it is a more advanced card, such as CITIC Unlimited Card World Card, you can pay up to 5,000 yuan; Lower-level gold cards and the like are tickets within 4 hours of 1000. Spouses, parents and children of peers can also be compensated, and they need to hold CITIC Credit Card (/kloc-children under the age of 0/8 don't need to hold CITIC Credit Card), up to three people.

Acquisition conditions: From the date when the annual fee-free card transaction amount reaches 3000 yuan per natural month, you can enjoy the claim by flying before the end of the next month, and there is no requirement for other higher-level cards. Payment methods need to be paid in full in designated channels: Ctrip APP, CITIC Business Travel Platform, Donghai Xiamen Airlines ticket hotline, etc. Travel expenses and mileage tickets are not included. See official website for details.

Summing up the advantages: the maximum payment is 2 hours 1000, and the annual fee-free card has the highest insurance amount. Not only spouses and children can be insured, but also parents can be insured.

Summary of shortcomings: (annual fee-free card) You can get insurance only if you swipe your card every month to meet the standard. Tickets must be purchased through designated channels and cannot include other fees. Colleagues need a card. According to the fare (including fuel). Delay is calculated according to arrival, cancellation 2 hours before departure will not be compensated, failure to arrive within 24 hours will not be compensated, mileage ticket will not be compensated, and there is no baggage guarantee.

Insurance amount: 5,000 yuan for every 4-hour delay in 500 yuan (whichever is longer). Other airline co-branded cards also have 4-hour 300 yuan.

Other guarantees: AE Bai Hang accident: 6.5438+0.5 million spouse, 5 million children and 6.5438+0 million; Luggage delay is 500 every 4 hours, and the annual limit is 5000; The limit of compensation for lost documents is 5000. See Pufa official website for details.

To sum up the advantages: take-off and arrival are counted, and the maximum compensation for a single trip is 5,000 yuan, which is suitable for one or two days, and can protect the spouse and children of peers in case of delay. Additional certificate protection (but not comprehensive enough, you have to buy other insurance).

Insurance amount: delay (whichever is longer) 2 hours 500, once capped 1000. Spouses and children (18 years old, the number is limited to two or less) can also get compensation.

Acquisition conditions: 80% of the total fare or tour fare can be guaranteed without designated channels, and the payment of supplementary cards can also be guaranteed through practice (supplementary cards of other banks have not said no, and the terms are only written to cardholders, and the supplementary cards are of course "cards"). The mileage ticket didn't say it couldn't be compensated. Expect an example of claim settlement.

Summary advantages: Take-off and arrival are counted, the compensation threshold is as low as 2 hours in 500 yuan, and domestic flights (excluding Spring and Autumn and 9 yuan) entering China aviation information system do not need to prove delays. You can cover your spouse's children, and the train can also cover them. There are few exemption clauses and the most comprehensive protection, which is enough to replace domestic and foreign travel insurance (the only disadvantage is that outpatient medical care is not included).

Insurance amount: 500+ highest reimbursement 1500. If the arrival is delayed for 4 hours, it is only for me. If it's AE White/Diamond/Unlimited, it's 500+ reimbursement up to 3500; if it's general aviation hotel gold card, it's 0+ reimbursement up to 1000; general aviation hotel card is 0+ reimbursement up to 300; business card is 300+ reimbursement up to 4700; elite business guest is 500+ insurance up to 9500.

Acquisition conditions: 80% of the full fare or tour fee can be guaranteed without designated channels. If booking tickets through China Merchants Bank, 500 yuan does not need to apply for automatic claim settlement. The mileage ticket didn't say it couldn't be compensated. According to the experience of other cardholders, it can be compensated.

This kind of inconvenience insurance is more compensatory than the previous insurance that can get cash as long as it is delayed. As long as the delay reaches 4 hours, it will be fixed at 500 (no need to provide consumption documents). If you need higher compensation, you need to provide invoices for expenses during the delay period and provide the line of 2000 invoices. Like the gold card, there is no fixed compensation, and 1000 invoice reimbursement 1000 is provided. According to other claims experience, the name of the insured should be written on the invoice.

Other guarantees: aviation accidents: 6.5438+0.5 million spouses, 5 million children (within 6.5438+0.8 years old, the number is limited to two or less), 6.5438+0 million; My baggage was delayed for 6 hours by 500+ 1500 (referring to flight delay), my documents were reset and my trip was interrupted. Airline hotel cards and business cards can also bring personal accidents, certificate replacement and travel interruption. See official website for details.

To sum up the advantages: 4 hours can pay up to 2000 yuan, and mileage tickets can also be underwritten. Besides, we can't do platinum wire (all by invoice). Additional documents, travel interruption protection (but not comprehensive enough, you have to buy other insurance).

Supported card types: bank card platinum card (standard version/leisure series), designated diamond, platinum, titanium credit card (except rider credit card platinum card elite version and 273 platinum co-branded card elite version).

Insurance amount: 600 yuan is delayed for 4 hours, capped at 3,000 yuan per year, and you can enjoy happy travel insurance with a maximum reimbursement of 5,000 yuan for 4 hours (this designated diamond, platinum and titanium credit cards can also be enjoyed).

Spouses and children (18 years old, the number is limited to two or less) who are reimbursed for 5,000 yuan can also be compensated, but 600 yuan's claim for quota is not stated.

Acquisition conditions: 80% of the full fare or tour fee can be guaranteed without designated channels. Xingye has two intimate explanations:

Pay the public transport fare in full (refers to the par value, but if the cardholder's credit card amount is lower than the actual par value due to preferential activities and other factors, it is still considered that the cardholder meets the requirements). This article is very useful, but other banks didn't point it out clearly. )

Payment method is not limited to "credit card" payment. If you pay through new modes such as third-party payment, you can also get insurance protection. However, the cardholder/customer needs to provide relevant materials to prove that the payment was made by the designated credit card. The required materials shall be subject to the acceptance of Industrial Bank and insurance.

Other guarantees: 400,000 aviation accidents. See official website for details. The "designated credit card" aviation accident 100000, the children of the spouses of the peers were 5 million, the luggage was delayed for 6 hours 10000 yuan, and the luggage was lost10000 yuan (luggage protection for the children of the spouses of the peers). See official website for details.

Insurance amount: if the departure or arrival is delayed for 2 hours, you can get a compensation of up to 2,000 yuan for air tickets (excluding fuel tax, airport construction fee and other taxes). For Ping An Elite Platinum Card (and Chuangfu Platinum All-in-One Account Card), 800 yuan within 3 hours (same as above), and for Diamond Card, 6,000 yuan within 2 hours (same as above). Unlimited number of times.

Acquisition conditions: 80% of the air ticket fee can be paid without any channel, but the tour fare including the air ticket fee is not guaranteed. As for the mileage ticket, because the fare is 0, even if you are in danger, the compensation is 0.

Summing up the advantages: take-off and arrival are counted, and the maximum fare for 2 hours is 2000, which is the highest in the same class. Domestic flights entering TravelSky (except Spring and Autumn and RMB 9 yuan) do not need to prove the delay.

Summary of shortcomings: I am limited, only the basic fare is guaranteed, not the fuel fee. If you encounter some international special line hours with fuel far exceeding the fare, you will not be compensated. No luggage protection.

Other protection: aviation accident: I have 5 million colleagues, 5 million spouses and 654.38+million children. Luggage delayed for 4 hours, 500, single time limit 1500. See official website for details.

Platinum cards or other cards of other banks have high insurance claim threshold (4 hours) and low claim amount (200-500), so I won't introduce them one by one. Finally, introduce a magic card.

Insurance amount: 2 hours' delay for single departure in 300 yuan, 4 hours' delay in 500 yuan, 8 hours 1000 yuan, with an annual accumulative total of 3,000 yuan. If you can't do platinum, the gold card also has a delay guarantee: 4 hours 500, 8 hours 1000, and the annual accumulated amount is 2000 yuan. If possible, American Express Card or Unlimited Card will provide more protection for spouses and children than Platinum Card.

Acquisition conditions: a single card will be spent 3 times a month 199 yuan, and will be given the next day. Give me any new cards. The current insurance is valid until the end of the year. No need to buy a ticket! ! Refer to PICC P&C insurance for 2 hours and 300 times, and the premium for 1500 is 200. It is estimated that I can buy this insurance for 400 yuan.

Other guarantees: 5-8 million aviation accidents, 65,438+10,000 train and ship accidents and 30,000 car accidents. Loss of luggage 1000 yuan. Lost card in 72 hours1-20,000. See official website for details.

The comparison table of insurance payment amount and time attached to the above credit card is based on the main platinum card mentioned in the support card type, regardless of the rights and interests of higher-level cards. The blue amount means no more than the air ticket, and the gray amount means that it needs to be reimbursed by the invoice.

As can be seen from the table, the credit card collateral insurance of different banks is still very different. As far as delay is concerned, there are many calculation standards, regardless of the amount. Generally speaking, it is easy to meet the delay standard, because the scheduled flight time of the flight is very rich now, and it is normal to delay the departure by 2 hours and 30 minutes and the arrival by 1 hour and 50 minutes. Guaranteed arrival can make up for special circumstances, such as taking off without delay, returning halfway or alternate. , resulting in a serious delay in finally reaching the destination. All credit cards, except for security, do not include these two situations in the exemption scope. So the risk of delay in taking off and arriving at the same time is better.

Generally speaking, the delay insurance attached to credit cards is very kind except CITIC's. However, the terms of delay insurance in commercial sales are generally harsh. Some insurance coverage is particularly high, but once it is cancelled, it will not be lost (even if you change to a subsequent flight). In order to reduce the cost of verification, some insurances only cover domestic flights, and even exclude those who have never used the TravelSky system, such as Spring and Autumn and Nine Yuan. And these insurances are generally short-lived and disappear within a few days.

What is more terrible than the simple delay of the flight is the cancellation of the flight. Cancellation means longer delay and more disruption of the trip. Those insurances that include flight cancellation (including cancellation after scheduled departure time) or even return flights are eye-catching behaviors that attract people's attention by high insurance coverage. Their insurance can't cover those who really need compensation, and some clauses even make a few users think that the delay insurance is as black as the whole world.

Credit card cooperative insurance is generally practical and can cover all kinds of flight delays. For example, cancellation in advance, although the insurance attached to these credit cards is only delay insurance rather than cancellation insurance, the insurance of banks such as Jiaoyun, Shanghai Pudong Development Bank, Huaxia and Citigroup covers the cancellation of various flights, even if it is cancelled one month in advance, the insurance of Xingye and China Merchants also covers the cancellation before boarding abroad. Of course, the claim needs to be actually taken after the change (Bank of Communications may not take it in some cases), and the airline needs to issue a certificate to prove the time between the actual flight and the scheduled flight, and calculate the delay time based on the time difference between the two. And the posts of some people who don't pretend to understand are miserable.

Traveling in China with all ages. Considering that there are many domestic flights, it is not easy to delay for more than one day. Then, one of the parents suggested using CITIC I Platinum (the only thing that can ensure the delay of parents of the same age) to buy their own and their parents' air tickets in designated channels, and the other used other cards such as China Merchants Bank and Bank of Communications to avoid the harsh conditions of CITIC, resulting in being refused compensation in some cases. At the same time, both parties hold BOC IOUs for double insurance (the following example can be superimposed with BOC IOUs). In addition, when checking luggage, be sure to hang the luggage under the name of the person who uses China Merchants White/Traffic White.

The couple went to an unpopular island overseas. Considering that some routes were booked the next day, it would take at least 48 hours to cancel, so the whole trip was disrupted. In this way, if they delay for 48 hours, they can get 10000 yuan, which also makes up for the loss of prepaid hotels.

Take cheap flights every day. In case of cancellation, we can only change the follow-up flight and delay it for at least 24 hours. At this time, you might as well use ordinary AE white.

A family of three travels to Europe, and the Schengen visa has strict requirements for travel insurance. The insurance provided by purchasing tickets with Bank of Communications Platinum meets the requirements, and the insurance premium can be saved by several hundred yuan. If there is a flight delay during the trip, there are also many compensation guarantees, especially in Europe, where other insurance refuses to pay compensation from time to time and Bank of Communications can pay. Although it is not mandatory to buy travel insurance elsewhere, it is still necessary to buy travel insurance in order to reduce risks. Bank of Communications Platinum can really save a lot of money. The only drawback of Bank of Communications Travel Insurance is that it does not guarantee outpatient medical treatment. If you have advice on taking care of children, buy more insurance in this area.

Single dog is on a business trip, and the travel standard is extremely low. Fortunately, you can buy your own plane tickets, using China Merchants White or Xingye White. Once delayed, you can stay in a good hotel and have a big meal. Anyway, you don't have to look at the boss's face to pay with insurance. If the air ticket is more expensive, it's not bad to use it for no reason. If you can't make these platinum, you can use I white. Although the terms are a bit harsh, it is much easier to achieve than 4 hours.

In China or a family trip. In the past, CITIC No.1 was useless. This time, I am afraid of the typhoon. When the typhoon comes, flights are usually cancelled in advance, so I stopped for nothing. Moreover, when the typhoon comes, it will be delayed for at least one day, so we use ordinary AE white. The longer you delay, the happier you are.

If parents want to travel and can't accompany them, they can apply for a supplementary card of Bank of Communications Platinum Card (free of annual fee), so that as cardholders, they can buy various guaranteed air tickets and train tickets, as well as airport VIPs and Longteng. If you want to get points for buying a train ticket, it is recommended to take Ctrip.

Finally, an extreme hypothesis is given: a couple took two children out for a trip and bought a plane ticket with Xingye Youbai. If the plane is delayed for four hours, it can be reimbursed for the delay period of 20 thousand yuan; If the baggage "unfortunately" does not arrive 6 hours after the flight arrives, the necessary consumption within 6-24 hours can be reimbursed for another 40,000 yuan; If the luggage hasn't arrived after 24 hours, the necessary expenses for the next four days can be reimbursed for another 40 thousand yuan. This trip made the insurance bleed 65,438+10,000, and the insurance is estimated to be crazy.

If you want to know more about credit cards, please pay attention to the credit card forum () and bring you the latest credit card information and preferential activities every day, so that you can use your credit card better.

How to use the flight delay insurance of credit card?

Different bank credit cards have different conditions for flight delay insurance. Please call the credit card service hotline for specific credit card rights. There are two types of delay insurance obtained by credit cards:

One is that you don't need to buy a ticket, as long as you have a credit card from this bank. Credit for free delay insurance includes China Bank Platinum Credit Card and China Everbright Bank Longteng Platinum Credit Card.

One is to buy tickets with this bank's credit card, and you can get delay insurance if you meet certain conditions. Credit cards that need to use the same credit card to purchase air tickets for free delay insurance include Bank of Communications Standard Platinum Card, China Merchants Bank High-end Card, Shanghai Pudong Development Bank American Express Platinum Card, Industrial Bank "Bank" Platinum Card, Industrial and Commercial Bank Platinum Card and Citibank Gift Platinum Card.

For example, the Platinum Card of Bank of Communications needs to pay more than 80% of the travel expenses related to this trip, the full cost of round-trip transportation or the tour group fee (mileage ticket purchase or other ways of giving tickets will not be claimed), and the protection object is the cardholder himself, his spouse and children (3 months-18 years old), and flight delay insurance can be obtained.

Test your anti-risk index, and experts will interpret it for you for free!

Which bank's credit card has delay insurance? Bank credit card delay insurance inventory!

Now the function of credit card is also very comprehensive. For example, the owner's card will not only provide gasoline discounts, but also provide services such as insurance and road rescue. For friends who travel frequently, if a credit card can cover aviation accident insurance or aviation delay insurance, it is also a practical right. So which banks have delay insurance on their credit cards? Let me introduce it to you here.

1, high-end card of China Merchants Bank

You can get travel inconvenience insurance if you have a high-end card of China Merchants Bank to buy air tickets or pay 80% or more of the tour fare. In addition, you can also get this right by paying the mileage ticket tax.

Travel inconvenience insurance stipulates that if your flight is delayed for 3 hours or more, and the flight is not cancelled, you will directly pay a fixed allowance to 500 yuan, and the allowance will be increased to 200 yuan for every additional 1 hour, up to 8 hours.

2. Shanghai Bank High-end Card

Shanghai Bank is a regional bank. When you use a high-end bank card to pay the full amount of the ticket or not less than 80% of the tour fare, you can get the flight delay insurance, and you can also get this right by paying the mileage ticket tax.

During the insurance period, if your flight is delayed and the single delay time exceeds the time stipulated in the insurance policy, you can get insurance money. The highest drill-world pole double standard card, 2 hours delay compensation 2000 yuan.

3. China Bank High-end Card

China Bank's flight delay insurance can get insurance service as long as you apply for a new card, and you can purchase it at will after activation. Old customers can get insurance services as long as they spend one card three times, each time 199 yuan or more.

Pay according to the delay time (from top and high-end cards 1 hour, from platinum card 2 hours, from gold card/ordinary card 3 hours), and every minute after the initial payment time 1 yuan.

4. Platinum Card of China Everbright Bank

Some high-end cards of China Everbright Bank can get an air delay insurance after the first swipe. If the flight is delayed for more than 2 hours (including 2 hours), you can apply for a single 300 yuan RMB delay compensation.

5. Guangfa Aviation Co-branded Card

Guangfa's aviation co-branded card is very special, and only the delay of the corresponding airline has delay insurance. When making a claim, you only need to issue a connecting airline card to prove that the airline indicates the delay time, so mileage tickets are supported.

If the flight is delayed for more than 4 hours (including 4 hours), the insurance company shall compensate for the necessary and reasonable expenses such as accommodation, transportation, telephone charges and purchase of daily necessities during the delay.

Here, I have counted the credit card delay risks of five banks, and of course, the delay risks of joint-name cards of airlines and joint-name cards of airlines. When the flight is delayed, everyone can enjoy this right.

The introduction of credit card delay insurance of Agricultural Bank of China ends here.