Which bank’s credit card is better
The credit cards with good reputation and credit standing on the market currently include: China Merchants Bank Credit Card, Ping An Bank Credit Card, China Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit cards, etc., are all good choices. Of course, the specific limit of a credit card depends on personal qualifications. It is impossible to generalize which bank's credit card is the best, as long as it suits the user himself, it is the best. The following is the situation of some bank credit cards:
1. Industrial and Commercial Bank of China: Easy repayment, high credit limit, but the application conditions are strict.
2. Bank of China: The credit limit is low, the activity points are relatively few, and repayment is convenient.
3. China Merchants Bank: The credit card application success rate is high, the credit limit is relatively high and there are many activities, and the repayment is also very convenient. It has powerful functions, many card types, high efficiency, high-quality services, you can adjust the consumer credit limit at any time, powerful online banking, lifetime points system, and the latest card loss protection plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good.
4. China CITIC Bank: There are many discounts and strong discounts, but the credit limit is average. The interest-free period is up to 56 days, text message reminders are free, and consumption details can be checked via mobile text messages.
5. China Everbright Bank: It has a high success rate in applying for a card, a higher limit and a faster limit increase, and many points activities.
6. Guangfa Bank, no need to submit any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, someone at the card center will contact you within 15 working days to check your credit. The result is that Guangfa Card has relatively powerful functions, a very favorable points policy, many discounts, timely text message reminders, and online payment. It is relatively mature and supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary.
7. HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.
8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent promotions are generous. The points are valid for 2-4 years, which is not very good, but the points can be exchanged.
Which bank has the best and safest credit card?
Among the five major banks, ICBC is the safest and best:
1. Analysis from the perspective of the total assets of the five major banks:
ICBC’s assets are 26.08 trillion yuan; while China Construction Bank has only 22.12 trillion yuan; Agricultural Bank of China has only 21.05 trillion yuan; Bank of China has 19.46 trillion yuan; Bank of Communications has 9.03 trillion yuan. It can be seen from the total assets that ICBC has the highest assets, which means that it has the strongest ability to resist risks, which further proves that ICBC is the safest.
From the perspective of user experience:
Industrial and Commercial Bank of China, China Merchants Bank, and Agricultural Bank of China are relatively fast in applying for personal accounts and are relatively simple to use. China Construction Bank and Minsheng Bank It seems a little more complicated.
From a financial management perspective:
It is currently the largest bank in mainland China. The Bank is a professional bank separated from the People's Bank of China while the People's Bank of China exclusively performs the functions of the central bank. It is worth mentioning that on the day of listing, ICBC set a record for the largest single-day transaction amount on the Hong Kong Stock Exchange, reaching HK$37.4 billion, breaking the transaction amount of HSBC Holdings when it entered the market in 1998 and higher than when the bank was listed in the same year. .
Profitability:
The net profit of ICBC was 286.049 billion yuan; the net profit of China Construction Bank was 242.264 billion yuan; the net profit of Agricultural Bank of China was 192.962 billion yuan; the bank’s net profit was 172.407 billion yuan yuan; Bank of Communications’ net profit was 70.223 billion yuan. From the perspective of net profit, ICBC has the strongest profitability. Profitability means having intrinsic value, and only with intrinsic value can we have the best.
ICBC credit card, bank credit card, China Construction Bank credit card, Agricultural Bank of China credit card, Bank of Communications credit card
The introduction is as follows:
1. Bank of China credit card
Bank credit card is an international standard credit card with one card and two currencies, which is universal around the world. No early repayment is required. You can easily spend at home and abroad with the card within the limit, and enjoy interest-free loans for up to 50 days. Bank of China's overseas branches are located in 20 countries and regions around the world.
Bank credit cards do not require a guarantor, deposit or cash deposit. To apply for a Bank of China credit card, you only need to fill in the "Bank Credit Card Application Form" and attach copies of your identity document, permanent residence certificate, and financial documents.
2. ICBC Credit Card
ICBC Credit Card is the most widely issued credit card in my country. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit card.
It is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit level, it is divided into: platinum card, gold card and ordinary card; according to the card issuance pair, it is divided into business card and personal card, personal card Cards are divided into main cards and secondary cards.
3. CCB Credit Card
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all called "long-term cards", including prestigious school cards, business cards and car cards.
4. Bank of Communications Credit Card
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to fight for life and career.
Sometimes some people need to study, do business, research or travel abroad.
Bank of Communications Credit Card is also a group of people with high living standards who are willing to try new consumption habits. "Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications based on the introduction of advanced technology and management from HSBC.
It combines global and local advantages, takes "global card" as its main purpose, advocates a new consumer culture and card experience, and provides preferential and considerate services on a global scale.
5. Agricultural Bank of China Credit Card
Golden Harvest Credit Card is based on creating new life experiences for cardholders and is committed to becoming the most trusted credit card brand for cardholders. Jinsui Credit Card focuses on innovation. According to different customer groups, it has launched a series of products such as standard series cards, business card series, platinum cards, various regional co-branded cards, and specialty cards to lead the needs of different customer groups.
Which bank’s credit card is better?
The better credit cards include China Merchants Bank Credit Card, Bank of Communications Credit Card, Industrial and Commercial Bank of China Credit Card, China Construction Bank Credit Card, and Bank of China Credit Card.
1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many types of cards and beautiful designs, but also has a low application threshold, points are permanently valid, and repayment is convenient. However, this credit card earns one point for 20 yuan, not counting zero. The points policy is very inhumane, and the interest-free period is 18 days. The shortest of all card issuers. You can call customer service hotline: 800-820-5555, 95555 for detailed inquiries.
2. "Bank of Communications Credit Card": suitable for friends who often buy home appliances ("Suning Card" can enjoy double Suning points). The credit card application threshold is low, the limit is increased quickly, and it has a 56-day long interest-free period. You can withdraw cash 100% using the YP card. However, the installment operation of this credit card is cumbersome, the points are not permanently valid, and the total consumption of all cards will not be automatically calculated. Separate repayments are required. You can call customer service hotline: 800-988-8888, 95559 for detailed inquiries.
3. "ICBC Credit Card": It is suitable for friends who do not have joint-stock commercial banks in the local area and who often like to overdraft and withdraw cash.
This credit card is currently the bank with the most branches in China. It has unlimited limits and no handling fees for local cash withdrawals. International cards of different brands have independent limits. However, not only is the application threshold high, but the service attitude of the branch is extremely poor, and there is no 800 number. The 400 pages are not open to individual users. You can call customer service hotline: 95588 for detailed inquiries.
4. "China Construction Bank Credit Card": suitable for friends who do not have a local joint-stock commercial bank. Compared with the other three state-owned banks, this credit card has a lower application threshold and supports minimum repayment for overdraft cash withdrawals. However, the credit card limit is generally low and the limit increase is slow. The total consumption of the card is not automatically calculated and needs to be repaid separately. You can call customer service hotline: 800-820-0588 for detailed inquiries.
5. "Bank of China Credit Card": applicable to Olympic card collection. This credit card is the earliest credit card issuer in China. Points can be calculated for overdraft cash withdrawals. However, you have to go to a business outlet to cancel your account. Alipay is not supported. 800 is only for Great Wall International cards. Minimum repayment is not supported for overdraft cash withdrawals. You can call customer service hotline: 400-669-5566, 800-820-5288 (international card), 95566 for detailed inquiries.
Notes on selection:
1. Choose the right card issuer
The first step in choosing a credit card is to choose the right credit card issuer. Some credit card issuers There are many promotions, and it is easy to apply for and issue credit cards. Some credit card issuers do the exact opposite.
2. It is more convenient to apply for a card cancellation
It is best to apply for a credit card issuing bank that has a credit card branch in the city where your usual residence address is, so that applying for a credit card and handling a credit card are easier. convenient. Otherwise, it is easy to apply for a credit card, but it is more troublesome to cancel the credit card.
Which bank credit card is better?
For all card lovers, of course they all want to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected. , affecting both efficiency and mood. So there are so many types of credit cards from major banks, how should we choose? Which credit cards are easy to apply for?
1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate of card approval by the card issuer when checking customers' credit by binding the customer's Taobao account. CITIC Bank's credit card approval speed has always had a good reputation among cardholders. According to tests, when applying for a credit card online from CITIC Bank, you will usually receive an SMS from the bank within 24 hours, which is quite efficient! Apply for CITIC Taobao Card online now and get an instant discount of 30 yuan on your first quick payment. Don’t miss this offer!
2. GF True Love Card is the first credit card exclusively for women in China, with a transparent card design, advocating the female life philosophy of "independence, calmness, intelligence, and frankness", and has a three-fold points plan for merchants of your choice, Functional services such as optional insurance plans, as well as discounts from many merchants, provide women with more personalized choices and more considerate services. What's more important is that applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.
3. Guangfa Car Owner Card is specially customized for private car owners. Provide a full range of discounts and services for car owners and their cars. Enjoy 100 kilometers of free roadside assistance nationwide, 5x points or 1x cash rebate for refueling with your card, optional high-value insurance protection, and many other features and discounts. Naturally, the GF Car Owner Card has saved many car owners a lot of trouble when applying for the GF Car Owner Card. When applying for the GF Car Owner Card, users only need to provide the driving license of their car to greatly increase the success rate of applying for a credit card!
4. New users of China Merchants Bank’s QQ co-branded credit card will receive a free American Traveler fashion backpack of RMB 388 with a full credit card payment. New credit card customers only need to make three card payments within two months, with each payment exceeding RMB 188. Receive a free American Traveler fashion backpack worth 388 yuan. The first cash withdrawal of each month is free of charge.
5. The best card to apply for is the China Merchants Young Card. This card is one of the most popular among young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply.
If the cash withdrawal limit of up to 100 credit limit is not enough, then the first cash withdrawal in every calendar month is free of charge!
6. Ping An Bank’s credit cards are very down-to-earth, such as car owners’ cards for car owners, standard cards for supermarket shopping, platinum cards for airport discounts, and green channels to go directly to movie theaters. Card promotions cover food, fitness, entertainment, shopping, etc. The most popular and easiest credit card to apply for.
Which bank has the best credit card?
China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China have good credit cards. There are a lot of card holders, so they are popular among credit card users. They have many discounts, professional services, quick credit limit increases, and points. The following introduces the characteristics of these bank credit cards respectively:
1. China Merchants Bank
The country's first permanent points validity system, international 24-hour road rescue service, etc. have gradually become domestic credit cards Industry service standards. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has 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 card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. You can use the credit limit for overdraft consumption and cash withdrawal transactions.
At the same time, Guangfa Bank Credit Card has issued a commercial card. This kind of commercial card can be applied in some large consumption places, hotels, etc., and will enjoy certain preferential quotas in some hotel services and reservation services. .
3. China Construction Bank
China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient Payment experience.
4. Industrial and Commercial Bank of China
ICBC takes an unusual approach in credit card approval. It does not use the data of the credit center. The approval is based on its own system star standards. If you have a debit card at ICBC, you may The chances of your card application being approved will be much greater. But if you don’t have an ICBC savings card, it will be difficult to apply for the card and raise the limit. There is no handling fee for cash withdrawals, the amount can be withdrawn quickly, the interest-free period is up to 56 days, and no interest will be charged on the part that has been repaid when the repayment is not in full.
Disadvantages: The credit limit is low, the discounts are not strong, and the points are small. You need to download the app to accept credit card information, otherwise you have to pay to subscribe to text message reminders.
5. Agricultural Bank of China
In addition to providing temporary limit increase at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency Assistance, multiple repayment methods and a series of considerate services. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.
Extended information:
Key points for applying for a credit card:
Purpose, application threshold, benefits, limit currency, installment interest, interest-free period, etc. Think about it comprehensively and finally choose a credit card that suits you.
Benefits enjoyed
Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free transaction fees, high aviation accident insurance, and free annual fees. etc. In addition to these basic rights and interests, it also depends on the number of local preferential activities and whether the points are valuable
Applying a local bank
Cards with many local activities: There are a lot of factors involved in applying for a credit card The reason is to enjoy the activity. Cards with many local banks will naturally have more activities. So be sure not to apply for a credit card from a local bank, otherwise you will basically miss out on the event.
Points Value
To determine the value of credit card points, you only need to compare the goods and services that the points can be redeemed for. For example, if you often travel by plane and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming airline miles and hotel stays, but each card may redeem different airlines and hotels, so as long as the points can be redeemed The services you need to use frequently are the ones with the highest points value.
Baidu Encyclopedia - Agricultural Bank of China Credit Card
Baidu Encyclopedia - Industrial and Commercial Bank of China Credit Card
Baidu Encyclopedia - China Merchants Bank Credit Card
Credit cards of the five major banks Which one is best?
Industrial and Commercial Bank of China Credit Card, Bank of China Credit Card, China Construction Bank Credit Card, Agricultural Bank of China Credit Card, Bank of Communications Credit Card
The introduction is as follows:
1. China Bank Credit Card
The Bank of China Credit Card is an international standard credit card, with one card and two currencies, and is universal around the world. No early repayment is required. You can easily spend at home and abroad with the card within the limit, and enjoy interest-free loans for up to 50 days. Bank of China's overseas branches are located in 20 countries and regions around the world.
The Bank of China Credit Card does not require a guarantor, deposit or cash deposit. To apply for a Bank of China credit card, you only need to fill out the "Bank of China Credit Card Application Form" and attach copies of your identity document, permanent residence certificate, and financial documents.
2. Industrial and Commercial Bank of China Credit Card
The Industrial and Commercial Bank of China Credit Card is the most widely issued credit card in my country. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card, and Peony Credit Card; according to the brand of ICBC credit cards, they are divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit rating, they are divided into: Platinum card, gold card and ordinary card; according to the card issuance pair, they are divided into business cards and personal cards, and personal cards are divided into main cards and supplementary cards.
3. CCB Credit Card
CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are called "long-term cards", including prestigious school cards, business cards and car cards.
4. Bank of Communications Credit Card
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to strive for life and career. Sometimes some people need to study, do business, research or travel abroad.
Bank of Communications Credit Card They are also a group of people with high living standards who are willing to try new consumption habits. "The Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications based on the introduction of HSBC's advanced technology and management. It combines global and local advantages, takes "China Global Card" as its main purpose, advocates a new consumer culture and card experience, and provides preferential and considerate services on a global scale.
5. Agricultural Bank of China Credit Card
Golden Harvest Credit Card is based on creating new life experiences for cardholders and is committed to becoming the most trusted credit card brand for cardholders. Jinsui Credit Card focuses on innovation. According to different customer groups, it has launched a series of products such as standard series cards, business card series, platinum cards, various regional co-branded cards, and specialty cards to lead the needs of different customer groups.
In addition to providing a series of considerate services such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. , and also combines outlets, networks and other advantageous products to spread across urban and rural areas, forming a strong functional advantage.
Baidu Encyclopedia - Bank of China Credit Card Center
Baidu Encyclopedia - Agricultural Bank of China Credit Card
Baidu Encyclopedia - Bank of Communications Credit Card
Baidu Encyclopedia - Industrial and Commercial Bank of China Credit Card Baidu Encyclopedia - China Construction Bank Credit Card
That’s all for the introduction of which bank’s credit card is good.