When I want to apply for a credit card, I will choose the CCB card.
China Construction Bank is a large professional bank in our country, mainly located in areas above the municipal level. CCB's large-denomination certificates of deposit are rich in variety and have short maturities. CCB's current branch offices are very efficient. Now CCB has basically implemented semi-automated offices in many big cities. Many businesses can be handled by themselves through terminals without queuing, which is very convenient.
Generally, credit cards have annual fees, which range from one to two hundred to several thousand. Currently, most credit cards have no annual fee in the first year, but will charge annual fees after the following year. If you want Most banks require that the annual fee be waived by swiping the card at least 6 times in the previous year. However, CCB’s credit card annual fee can be waived as long as the card is swiped at least 3 times in the previous year. Under normal circumstances, credit card cash withdrawals generally charge a handling fee of 1%, but CCB's handling fee for domestic cash withdrawals is only 0.5%. CCB credit card cash withdrawal fees are relatively low.
Credit cards are special financial products with reception functions. At present, our country’s per capita income is limited, and excessive consumption can easily lead to financial credit risks! On the contrary, it will have a negative impact on yourself. For example, once there is a breach of trust, it will have a major impact on future housing loans! If you currently don’t have a credit card or are planning to get a mortgage from CCB, you may consider applying for one! Another point is that no matter which bank you apply for a credit card with, it has the same borrowing and lending functions! And the limit is basically the same, because the current credit card limit is basically unlimited! CCB's large certificates of deposit are generally safe and sound, and the interest rates are mid-range among major banks! At the same time, infrastructure hardware and outlets are widely distributed, making it easy to purchase nearby! Good reputation and perfect service! Friends who have already purchased it can hold it with peace of mind! For those who haven’t purchased yet, I suggest you compare with many parties before making a purchase!
Based on the above complaints, it is natural that you should first apply for a credit card from China Construction Bank. In fact, the review standards of each bank are similar. If you apply for a credit card at your own bank, you will naturally have the highest approval rate and credit limit.