Which bank is the best to use for credit cards? I highly recommend the three major banks

If you want to apply for a credit card, you are really dazzled by the wide variety of cards and have no idea where to start. If you don’t know which credit card you want to apply for, you might as well first find out which bank is best for your credit card. Today I would like to introduce you to several major banks, and you will be able to choose the right one for yourself.

1. Industrial and Commercial Bank of China

As the “number one bank in the world” in the eyes of card lovers, ICBC credit card should be the first choice for many people, and of course it must meet good application conditions. There are many reasons for recommending ICBC when it comes to which bank is better for credit cards. The main ones are as follows:

1. There is no handling fee for withdrawing overpayments, but most other banks do;

2. If you want to increase your limit, as long as you use the card frequently, it will usually be done quickly;

3. If the credit card is overdue, the full penalty interest is not used, which is quite arbitrary;

4. The handling fee for reporting a loss is cheap. Compared with CMB’s 80 yuan and CITIC’s 60 yuan, 20 yuan is indeed cheaper;

5. There is no handling fee for local cash withdrawals, which is suitable for frequent cash needs. customer processing.

2. China Merchants Bank

If you are an ordinary working-class person and want to know which bank to use for your credit card, the answer is naturally China Merchants Bank. The application threshold is low, the card types are abundant, and the services and benefits provided by credit cards are also very popular.

1. There are many cooperative merchants and many preferential activities, such as 50% off movie viewing, half-price food on Wednesdays, a series of points redemption activities, etc.;

2. New cards are available quickly, especially for many customers. Cards for young people are more friendly to the people;

3. The "Pocket Life" APP is more convenient to use the card, whether it is paying phone bills, buying movie tickets, buying lottery tickets, repaying loans, checking consumption records, etc.;

4. Installment payment is convenient. China Merchants Bank cooperates with many merchants and supports installment payment even for small things.

3. Bank of Communications

Many people are familiar with Bank of Communications’ “Weekly Brush” and “Redtest Friday” activities. As regular activities, there will be a wave of excitement every year. Wheel activity craze. If you are a woolly person, which bank should you use for your credit card? Bank of Communications is more suitable.

1. There are many outlets, making it convenient for cardholders to handle business;

2. Most of the cards are shopping cards for leisure and entertainment, major supermarkets, electrical appliance stores, car dealerships, etc. Targeted;

3. The activities are vigorous and deeply rooted in the hearts of the people, such as supermarket shopping and car refueling with direct rebates of 5%;

Summary: Which bank should I use for the credit card introduced above? Well, each of the three banks has its own characteristics. Card applicants can choose according to their own consumption needs. Of course, there are more credit cards to choose from. Each bank has its own advantages and characteristics. Credit card family portrait

What are the international credit cards

What are the international credit cards

What are the international credit cards? International cards are cards issued by banks and international credit card organizations to people with good credit for overdraft consumption around the world. They are very convenient for friends traveling abroad. Now let me tell you what international credit cards are.

What are international credit cards 1

1. What is an international credit card?

An international credit card is a type of credit card issued by banks and international credit card organizations to those with good credit. A card that can be used for overdraft consumption worldwide, and is also used to confirm the user's identity on international networks.

2. Overview of International Credit Cards

Cards issued by members (banks) of international card-issuing organizations can be used for payment at the organization's special merchants. Such cards are called international cards. As we all know, the three major international organizations are VISA, MASTER and JCB. Among them, VISA has the highest market share, followed by MASTER and JCB. However, JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online purchases do not accept JCB.

Usually international credit cards use US dollars as the settlement currency. International credit cards can be used for overdraft consumption (consumption first and repay later). The more common international credit card brands are mainly Visa, MasterCard, etc., and major domestic commercial banks They also offer international credit card services, and you can easily apply for a credit card at the bank counter. Please note that there is no interest on deposits made to international credit cards.

3. Special International Credit Card

1. ICBC Peony International Credit Card

The card can open both a RMB account and a US dollar (or Hong Kong dollar) account. In addition to the In addition to domestic card consumption, cash deposits, withdrawals and inquiries at ICBC nationwide business outlets or UnionPay ATM machines, you can also use VISA, MasterCard or American Express card designated merchants and their logos around the world. Use or withdraw local currency at ATMs, enjoy preferential exchange rates from international credit card organizations, and reduce losses and troubles in foreign currency exchange.

RMB accounts and foreign currency accounts (US dollars or Hong Kong dollars) each have their own credit lines and do not affect each other. In addition, U.S. dollar accounts can be used for shopping on foreign websites. The unique online transaction switch function of Peony International Card fully guarantees the security of your card use.

2. Agricultural Bank of China Golden Harvest Credit Card Dual Currency Card

The dual-currency credit cards issued by Agricultural Bank of China are Visa and MasterCard, and the other special cards are Golden Harvest Platinum Card, Golden Harvest International Travel Card, MasterCard HNA Co-branded Card, etc. The dual-currency card has two accounts in RMB and US dollars, and both accounts share one credit limit. For overseas non-UnionPay POS purchases and overseas ATM cash withdrawals, US dollar accounts are used. There is no handling fee for consumption, and a handling fee of 3 (minimum 3 USD) of the transaction amount is charged for cash withdrawals. If the local currency is non-USD, an international settlement fee will be charged, which is 1.1 of the transaction amount for Visa and 1.1 for MasterCard.

3. BOC Great Wall International Card

A chip (EMV) credit card that complies with international standards. There are US dollar cards, Hong Kong dollar cards, euro cards and pound cards to choose from. You can make purchases at more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world. You can also withdraw cash at member banks. You can also withdraw money at ATMs marked "PLUS" or "CIRRUS" around the world. In addition, relevant fees can also be paid online.

4. Bank of China Great Wall International Zhuojun Card

A credit card specially designed for people studying abroad. Its products, services and discounts fully cater to the needs of overseas students. Zhuojun Card has Euro Card and Pound Card to choose from. Parents can use a variety of repayment methods to pay for their children’s living expenses while studying abroad.

5. China Merchants Bank dual-currency international credit card

China Merchants Bank has many types of dual-currency international credit cards, among which aviation credit cards have cooperation with many airlines. For example, China Merchants Bank and All Nippon Airways launched the first credit card co-branded by a foreign airline in China - ANACard. Miles can be accumulated by swiping the card for consumption; if you use the card to pay the full amount of air tickets or 80 tour group fees, you can receive aviation accident insurance up to 2 million yuan.

6. CITIC Dual Currency Credit Card

CITIC Dual Currency Credit Card (RMB and USD, RMB and HKD) can be used for spending at more than 27 million VISA-marked merchants around the world. Withdraw cash 24 hours a day from more than 700,000 ATMs around the world. CITIC Credit Card also provides aviation accident insurance of up to 15 million yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.

7. Dual-currency credit cards in the China Construction Bank Business Travel Series

Many credit cards in the China Construction Bank Business Travel Series, including China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card, and Mango Travel Dragon Card, are dual-currency credit cards. For example, China Eastern Airlines Dragon Card is an airline co-branded credit card jointly issued by China Construction Bank and China Eastern Airlines. This card combines the Dragon Card dual-currency credit card and the Eastern Miles membership card. In addition to accumulating Eastern Miles points, you can also receive high-value aviation accident insurance. If your domestic flight with China Eastern Airlines is delayed for more than 4 hours, you can also receive Complimentary flight delay insurance and baggage delay insurance.

8. Bank of Communications Dual Currency Credit Card

It adopts the form of main card and supplementary card and can be used around the world. There is no handling fee for consumption and the longest interest-free period is 56 days. When abroad Emergency cash withdrawals are also available. Your child's consumption bills will be sent to you on time every month. You can also activate the bank letter service, and the details of each of your children's consumption will be sent to your mobile phone in the form of text messages as soon as possible. If your credit card is lost, you should immediately call 86-4008009888 to report the overseas emergency loss to avoid losses.

IV. Notes

1. Adjust the credit card limit

Usually, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to two Ten thousand yuan, usually such a credit limit cannot be used, and if the credit card is lost, it will cause a lot of unnecessary losses, so individuals can manually adjust the credit card limit, such as the credit card limit in the professional version of China Merchants Bank Online Banking Set a limit during the adjustment, so that the consumption limit of the credit card is limited to this limit, and the risk is much smaller. When more limits are needed, you can manually modify it back.

2. Turn off the ATM withdrawal function of your credit card

Using a credit card to withdraw money from an ATM is basically useless, and the interest rate is astonishingly high. Once the credit card is stolen, it will bring more risks. , so it is recommended to turn off the withdrawal function of your credit card.

6. Which is more secure, signature or password?

Using signatures as credit card consumption vouchers is the mainstream in the international banking industry. From a security perspective, this kind of credit card does not require a password and can be consumed with just a signature, especially through online banking. As long as you know the cardholder's name, credit card expiration date and query password, it may be stolen. Therefore, many domestic cardholders believe that passwords are more secure than signatures. However, using passwords also has some disadvantages, that is, the responsibility for keeping the password is transferred to the cardholder, which means "you are responsible for the loss". Once a credit card is used fraudulently, the rights and interests of cardholders who use signatures can often be better Good protection and compensation.

What are the international credit cards 2

1. Visa card (VISA)

VISA card is also translated as Visa, Weixin, Huicai Card, and Visa. Visa card is a credit card brand. In 1959, Bank of America began to issue Bank of America cards in California, USA. Visa cards began to be issued in 1976. In 1977, "VISA" was officially used as the logo of the organization, called Visa International Organization. VISA card is a credit card issued by Visa International in late 1982. It can be accepted at more than 29 million merchant transaction points around the world, and can withdraw cash at 1.8 million ATMs, providing endless convenience.

2. MasterCard

MasterCard International created an internationally accepted credit card system from the late 1950s to the early 1960s, which soon became popular around the world. In 1966, an organization (Interbank Card Association) was formed. In 1969, the Interbank Card Association purchased the patent rights of MasterCharge and unified the credit card names and style designs of various card issuers. In the following ten years, the original name of MasterCharge was changed to MasterCard.

3. American Express Card (American Express)

Since the issuance of the first American Express card in 1958, American Express has so far issued American Express cards in 68 countries and regions in 49 currencies. , has built the world's largest self-contained special merchant network and has a high-quality cardholder group of more than 60 million. American Express was founded in 1850. Its initial business was to provide express delivery services. With the continuous development of business, American Express took the lead in launching travellers' checks in 1891, mainly for high-end customers who travel frequently. It can be said that American Express has a history of serving high-end customers for a hundred years, and has accumulated rich service experience and a large group of high-quality customers. There are also Peony Express Cards, China Merchants Express Cards, CITIC American Express Cards, Great Wall American Express Cards, and Minsheng Express Cards.

4. Diners Club

Diners Club was founded by entrepreneur Frank MCMamaca in 1950. It was the first plastic payment card and eventually developed into an internationally accepted card. credit card. In 1981 Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepted the Diners Club International card. Diners Club's main advantage is that it increases its sales in untapped territories and builds on the strong position the company maintains in the credit card market. The company has strengthened its position in the international market through a reciprocal agreement between Diners Club's cash exchange network and its ATM network.

Industrial and Commercial Bank of China (ICBC) introduced mainland China’s first Diners Club brand RMB/USD dual-currency card.

5. JCB (JapanCreditBureau)

JCB card is an international credit card commonly used in the world. It is a credit card jointly issued by Japan's Sanwa Bank, Nippon Shinto Bank, Mitsui Bank, Kyowa Bank, and Daiwa Bank in 1961. This credit card (2013) has been issued and circulated in 190 countries and regions around the world. It is one of the top five international credit card brands and the only international credit card brand originating from Asia.

JCB pays special attention to countries and regions such as China and South Korea. In China, 9 banks have issued JCB credit cards, including Bank of China, Bank of Shanghai, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai The number of cardholders of Pudong Development Bank, Ping An Bank, China Construction Bank and Industrial and Commercial Bank of China has exceeded 5 million.

The annual interest rate of credit cards of the three major state-owned banks

The annual interest rate of credit cards of the three major state-owned banks is 19.86

The annual interest rate of credit cards of the three major state-owned banks is 19.86. Many cardholders must have received calls from banks to "invite" you to make installment plans. Sometimes they receive calls once every few months, and more frequently there are several calls every month. So have you ever thought about why banks are so proactive in asking you to do so? Your bill installment? Is the interest it advertises really the actual interest? Does it really help you reduce your repayment pressure, or increase your repayment pressure? Today I will teach you the algorithm for the real interest rate of credit card bill installments! First of all, it is definitely profitable for the bank to let you make installment plans. As the old saying goes, "Every bustle in the world is for profit, and all the hustle and bustle in the world is for profit!".

Which Taobao co-branded credit card is better? Comparison of the advantages and disadvantages of the three major Taobao credit cards

Each bank has its own unique Taobao co-branded credit card, which is both convenient and safe. Since each bank has different policies, They target different groups of people, so there are also differences in the limits and usage rules of Taobao credit cards. So which Taobao co-branded credit card is better? How should we choose? Here are four high-quality Taobao credit cards.

Which Taobao co-branded credit card is the best

Industrial Bank, Ping An, China, China Guangfa, and China CITIC Bank all have Taobao shopping points activities. Industrial Credit Card Center Taobao co-branded card has levels including platinum card standards. Edition, Platinum Card Elite Edition, Gold Card and Regular Card. Which bank's Taobao credit card is better? The factors you need to examine are nothing more than the strength of cash rebates, how many points you get for shopping, how much you get off when you spend more, etc. Generally speaking, every Taobao credit card has its own merits, and no one can be perfect. However, there are still many people applying for the Industrial Bank Taobao credit card, which meets the consumption needs of most people. The characteristics of other banks may not be so obvious. Card friends We can choose appropriately according to our own needs.

Comparison of the advantages and disadvantages of the three major Taobao credit cards

1. CITIC Taobao co-branded credit card

1. New customers can enjoy a 30-yuan Alipay red envelope when applying for the card;

2. Alipay has points for fast payment. Gold card purchases or cash withdrawals earn 2 points for 1 yuan, double for birthdays, and up to 10 times the points;

3. There are constant surprises throughout the year, on Wednesdays and Sundays 50% off at six cooperative merchants; you can also enjoy value-for-money promotions such as CITIC Credit Card’s “9-share redemption” and “9-yuan movie watching”; 3 and 4-hour flight delay insurance worth 1,000 yuan.

Advantages: Points are earned for online and offline transactions.

Disadvantages: Reward points are limited, Taobao V6 customers cannot exceed 40,000 points, and V5 and below customers cannot exceed 30,000 points.

2. GF Taobao Card

1. GF Taobao card consumption directly accumulates Jifenbao, every 5 yuan spent = 1 Jifenbao, 100 Jifenbao = 1 yuan ;

2. Every Friday, if the consumption authorization number ends with "8", you can get an equal amount of bonus;

3. On time on the 8th of every month, 10:00-16:00 Grab Jifenbao red envelopes, and a total of 4 million Jifenbao red envelopes will be randomly sent out on that day;

Advantages: Consumption directly accumulates Jifenbao, and Jifenbao can be spent as money.

Disadvantages: Consumption directly accumulates Jifenbao, and does not accumulate GF points. It can only be used on Taobao, and the scope is limited.

3. Ping An Taobao Co-branded Card

1. Online shopping with Alipay quick payment will earn points, and the points can be spent as money;

2. Through Ping An Wanli Tong website Enter Taobao to shop online, and Taobao members will receive 3 times Miles Points;

3. Enjoy the highest points on Wednesdays when shopping at popular cooperative merchants (Tmall, No. 1 store, JD.com, Amazon, Haagen-Dazs, etc.) 100 minus 50.

Advantages: Ping An Taobao Card cooperates with merchants both online and offline, with points for online transactions and as many as 27 offline cities (movies starting from 10 yuan, more than a thousand restaurants and shopping discount merchants)

Disadvantages: There is a 15 handling fee for converting Ping An Miles points into Jifenbao.

Introduction to other Taobao credit cards

1. Industrial Bank Taobao co-branded credit card

Industrial Bank Taobao co-branded credit card covers “credit card online application, credit card fast payment, and online payment with points. , points quick payment, credit card bill online check, Alipay online repayment" and other six functions, customers can operate the entire process through the Internet from application, use to repayment, truly realizing a faster, more affordable and full-process online payment service .

2. Bank of China Taobao Co-branded Credit Card

The Bank of China Taobao Credit Card is a co-branded credit card jointly owned by Bank of China Co., Ltd. and Alibaba Group’s Taobao and Alipay. Conveniently enable online payment by activating the cartoon payment function on the Alipay website. Bank of China also provides services such as easy installment purchase and a global network of preferential merchants.

For Bank of China Taobao Credit Card Cartoon Payment, after signing a contract and binding your credit card and Alipay account, you can directly log in to your Alipay account without going through online banking, and use the Alipay payment password to make payments from the bound credit card. Function, experience simple, safe and fast Alipay online payment.

3. Bank of Shanghai Taobao Co-branded Credit Card

In addition to earning Taobao points, you can also accumulate Taobao co-branded credit card points by making transactions through Alipay Quick Payment. When paying via Alipay Express, you can use Taobao co-branded card credit card points to directly deduct Alipay Express Payment consumption. 750 credit card points = 100 sets of bonuses. In addition, at any Bank of Shanghai branch, just show this card and you can enjoy the VIP customer green channel of the branch and receive priority in handling private cash business.

This concludes the introduction to the three major credit cards and the six major credit cards. Have you found the information you need?