Which credit card is better to use? Check out these 5 pictures!

When many friends apply for a credit card, they will be very concerned about whether the credit card is easy to use. After all, everyone applies for a credit card so that they can enjoy more services. Which credit card is best to use in 2019? Here, I would like to introduce to you what I have learned.

In fact, which credit card is easier to use has a lot to do with everyone’s living habits and personal hobbies. In other words, a credit card that suits you is a credit card that is easy to use. Here, 5 credit cards are introduced for different groups of people.

Everbright Douyin Credit Card

The Everbright Douyin Credit Card will be very useful for friends who love to play Douyin. It supports 10 yuan to watch blockbusters, enjoy delicious food, wash beautiful cars, and sing songs. , you can enjoy staying at 3-for-2 at Hyatt Hotels in Greater China, and get up to 5 yuan off for a single purchase of 10 yuan or more at Suning Store.

GF Zhenshang Platinum Credit Card

GF Zhenshang Platinum Credit Card supports exclusive high-speed rail VIP room privileges and Longteng High-speed Rail VIP room privileges up to 4 times/year, and the maximum compensation for flight delays is 2,000 yuan. , vehicle accident insurance up to 5 million.

BoCom ETC Credit Card

For friends who often drive out, the Bank of Communications ETC Credit Card is a relatively easy-to-use credit card, which allows everyone to quickly pass through highway toll stations and successfully apply. The rate is also very high.

China Merchants Bank Angry Birds Co-branded Credit Card

For girls, the China Merchants Bank Angry Birds Co-branded Credit Card is easier to use, the appearance design is very cute, and it is also supported on Vipshop Enjoy random cashback benefits on consumption.

PU Pudala Palace Cultural Theme Credit Card

For friends who like culture, Pudong Pudala Palace Cultural Theme Credit Card is easier to use, the design is very beautiful, and You can receive a lucky eight-treasure gold-plated copper bookmark gift box set or a golden sandalwood bracelet.

Which bank's credit card is better?

Which bank's credit card is the best cannot be generalized, 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 success rate of card application is high, the credit limit is relatively high and there are many activities, and repayment is also very convenient.

4. China CITIC Bank: There are many discounts and strong discounts, but the credit limit is average.

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.

1. The 10 most worthy credit cards!

Nowadays, more and more people are beginning to pay attention to credit cards, because credit cards can not only help everyone overdraft consumption, but also help everyone accumulate their own personal credit records. So, what are the 10 most worthy credit cards? Here, Xicaijun will introduce to you the 10 most worthy credit cards.

1. CMB YOUNG Card

CMB YOUNG Card is a relatively classic credit card. It has a low application threshold and no fees. It is also easy to support for office workers who have just started working.

2. Ping An Car Owner Card

For those who own cars, Ping An Car Owner Card is also relatively easy to maintain. The Ping An Car Owner Card cooperates with PetroChina and Sinopec and offers a 12% discount on refueling every day. It is worth buying for car owners.

3. Bank of Communications Wal-Mart Credit Card

The Bank of Communications Wal-Mart Credit Card can save everyone a lot of money. 100,000 points are exchanged for 927.5 yuan in credit every year, and you can also enjoy the "Redtest Friday" when spending every week. " discount.

4. GF Sharp Card

The GF Sharp Card is one of the 10 most worthwhile credit cards. You can get cash back on purchases in department stores, supermarkets, and restaurants, with a maximum cash back of 5 %, save money and accumulate credit at the same time.

5. Agricultural Bank of China’s Beautiful Mother Card

The Agricultural Bank of China’s Beautiful Mother Card is very suitable for mothers to raise. Every Sunday to next Friday, every purchase of 100 yuan or more will receive 1% of the purchase amount back. Card swiping bonus: 5% of the consumption amount will be returned for every purchase of 100 yuan or more every Saturday.

6. ICBC JCB Travel Credit Card

For those who like to travel, ICBC JCB Travel Credit Card is one of the top 10 credit cards worth keeping.

ICBC JCB Travel Credit Card can provide many benefits to overseas travelers.

7. ICBC WeChat Credit Card

ICBC WeChat Credit Card is a great value for those who want to chat online, with a repayment grace period of 3 days and a grace period of 10 yuan on the current repayment balance. Igou Up to 50% off on weekends.

8. CITIC Bank Taobao Card

Among the 10 most worthy credit cards, CITIC Bank Taobao Card is also one of them. The CITIC Bank Taobao Card supports 10 times points for online transactions, and enjoys a 50% discount at designated stores on Wednesdays and Saturdays.

9. Minsheng Tongdao Uncle Card

Minsheng Tongdao Uncle Card is also worth buying. It has 12 zodiac signs and 12 exclusive cards. While accumulating personal credit, you can also enjoy Tongdao Uncle Card. Uncle’s exclusive service.

10. Shanghai Pudong Development Bank Beautiful Woman Card

The Shanghai Pudong Development Bank Beautiful Woman Card is also one of the 10 most worthwhile credit cards. Cardholders can redeem it if their monthly cumulative consumption exceeds 3,888 yuan. Gas card/phone bill/Jingdong E-card/movie tickets/Tmall supermarket Xiangtao card/high-end hotel buffet, etc.

Which credit card is the best to use?

Which bank has the best credit card and the highest credit limit:

1. China Merchants Bank:

Speaking of low threshold and high credit limit, China Merchants Bank is the most unmissable. As long as there is no bad credit, even college students who have just graduated from school and have not been working for a long time can be approved for credit cards worth more than 10,000 yuan. However, you need to choose a card in advance. Here we introduce the China Merchants Bank young card.

In addition, China Merchants Bank’s risk control is relatively loose. As long as there are no malicious overdrafts, cash outs and other illegal card use behaviors, you can increase the credit limit after swiping the card for 3 to 6 months. If you make contributions in installments in the meantime, the increase will be The speed is faster.

2. Industrial Bank:

Among the many joint-stock commercial banks, Industrial Bank has the lowest threshold and the highest credit limit. Especially when applying for cards on Alipay and WeChat, with the help of big data, Combined with the comprehensive evaluation of the banking system, the card can be approved on the same day, and the limit is usually starting from 10,000. If you want to apply for an Industrial Bank credit card, you can look at Industrial Taobao Card and so on.

In addition, Industrial Bank’s risk control is also relatively loose, especially it is easier to increase the limit. For gold-level credit cards, you can spend more with the card, and occasionally use the card in installments. The limit can be increased to 50,000 in one year after using the card. Not a problem.

3. Guangfa Bank:

Guangfa Bank credit card is also well-known in the industry for its low threshold and high credit limit. Many white households can apply for a credit card online and get a credit card with a limit of at least 10,000.

However, Guangfa Bank’s risk control has also been tightened recently. After getting a credit card, it is better not to use the card illegally, otherwise the card may be blocked and the credit limit reduced.

4. ICBC credit card is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then it is easy to apply for a card and the limit is high. The average card limit is about 40,000.

5. Agricultural Bank of China Credit Card. If you have good credit and stable financial resources, you can apply for an Agricultural Bank of China credit card. Of course, your repayment ability and consumption needs will have a great impact on your card limit. The average card limit 35,000.

6. Everbright Bank Credit Card has a low threshold for applying for a card, but the limit is not low. The average card limit is about 30,000, and it is relatively easy to increase the limit.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, and China CITIC Bank. If you need it, you can apply by yourself!

Credit card application for China Merchants Bank and Ping An Bank

Credit card application for China Everbright Bank and China CITIC Bank

Credit card application for Agricultural Bank of China and Minsheng Bank

Most 5 Credit Cards Worth Keeping

1. ICBC World Struggle Card

Needless to say, ICBC has always been one of the best among banks. According to many netizens, ICBC’s cards It is also quite easy to get, and the installment rate of ICBC is not high, which is very beneficial for everyone to maintain a card.

This ICBC World Struggle Card has quite a lot of benefits and is very easy to apply for. It is considered a relatively easy card to apply for in ICBC. It has three levels: regular card, gold card, and platinum card. The editor recommends that you apply for the gold card. The gold card will be easier to get. It is relatively easy to maintain this credit card and increase the limit. It will be beneficial to you in ICBC. Star ratings are also helpful.

2. Agricultural Bank of China’s Beautiful Mom Credit Card

Agricultural Bank of China’s credit card has always had a very good reputation among the public, and many cardholders said that Agricultural Bank of China’s credit card limit increase is the best among all banks. The fastest, it is said that there is no upper limit on the amount you can raise.

Don’t think that only women can apply for the Agricultural Bank of China’s Pretty Mom Credit Card, men can also apply. The reason why it is called this card is because this card mainly provides benefits in maternal and infant products, women's products, etc. This card is worth applying for as a family. Not only will there be various discounts on shopping purchases, but also It is beneficial to maintaining the card and is very worth buying.

3. China Merchants Bank Young Card

China Merchants Bank and Industrial and Commercial Bank of China are comparable. The speed of limit increase of CMB credit card is also at the forefront among all bank credit cards, and the limit increase is quite stable.

As for this CMB Young Card, the application threshold is low and the card withdrawal rate is very high. If you are a newly graduated office worker, I suggest you apply for this card and keep it since it offers cash withdrawal discounts. It's quite good.

4. Guangfa DIY Credit Card

Although Guangfa Bank is not as famous as the three banks mentioned by the editor, the credit card of Guangfa Bank is also very worth applying for, and the limit increase speed is very fast. , many netizens said that they can increase their credit limit by just swiping their cards.

One of the great benefits of Guangfa DIY Card is that the points are very generous. You can enjoy various points discounts when applying for this credit card. It is quite enjoyable to use it to earn money. And as long as your personal credit is good, you can apply for this card. There is nothing wrong with the card.

5. Pudong Development Youth Campus Card

The risk control of Shanghai Pudong Development Bank is relatively loose, and the limit increase is also very good, and Shanghai Pudong Development Bank also has universal funds, which is very Heartwarming.

The Pudong Development Youth Campus Card is mainly aimed at young people. It is easy to apply for this credit card. The card’s rights and points are very good. It also has an exclusive “Dream Gold”. This credit card It is also very easy to raise and can be used to shear wool.

The above are the five credit cards that the editor has summarized that are worth keeping. In fact, there are many credit cards that are worth keeping. Credit cards from major banks are all worth keeping, and based on the feedback from cardholders, , the credit cards of the four banks, Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China and Guangfa Bank, are all very good.

Which bank's credit card is easy to use?

1. China Merchants Bank, China Merchants Bank credit card is relatively easy to get a card, and the limit is increased quickly. Generally, it takes three months to swipe the card. You can make the first withdrawal, and even those with good qualifications can use the card for one month to raise the limit. However, the prerequisite for being able to quickly raise your balance is normal consumption, and you must not cash out. You can spend large amounts, but you cannot max out your balance frequently. If you accidentally overdue your card, China Merchants Bank will not immediately block the card or reduce the limit like other banks. China Merchants Bank basically does not reduce the limit. Even if you continue to use it for a few months after overdue repayment, you will be given the opportunity to increase the limit. China Merchants Bank points are the most valuable among all banks. They can be directly redeemed for goods or offset the price of goods in the points redemption area. China Merchants Bank credit card also offers many preferential activities, such as 799 points redeemed for Starbucks, limited points redemption for birthday months, 50% off food on Wednesdays, etc. , basically the kind where you can get discounts on food and drinks.

2: Guangfa Bank, compared with the four major banks, China Merchants Bank, Bank of Communications, etc., when applying for a credit card, the application success rate of Guangfa Bank is relatively higher. However, if your salary level is not high, your income is unstable, or you have a bad credit record, it will be difficult to get a card no matter which bank you choose. After using Guangfa Credit Card for half a year, you can basically withdraw cash 100%, unless the card is used illegally; there is also a 56-day long interest-free period, a low installment starting point (only 500 yuan), and 48-hour card loss protection. Guangfa Credit Card has many great promotions, such as cash rebates on gas, Friday Food Day, etc., which are as low as half price. There are many types of credit cards, covering all aspects of life, and there are many specialty credit cards. For example, China Guangfa Bank American Express Life Card. The highlight of this card is the cash back for online shopping, as well as some limited-time offers and more.

1. The positioning of China Guangfa Bank American Express Lifestyle Card is very clear: young white-collar workers who like to shop online, who can directly withdraw cash or pay bills in installments if they are occasionally short of funds, and who have just entered the workplace.

2. For users who cannot leave home once a year and have no need for travel rights, mileage, or hotels, the Lifestyle Card is also a card worth holding. After all, no matter how good the rights are, No matter how many miles you have, there is no real money or silver.

3. You can get 1% of the online shopping bonus for spending in designated channels within three natural months after debiting the card, and 0.3% of the online shopping bonus after three months. The upper limit of monthly online shopping bonus through consumption is 100 yuan; in addition, you can also get online shopping cashback by withdrawing cash in installments. The rebate ratio is as high as 10%, and it is not limited by time. It is 10% during the validity period of the card. The upper limit for this part is also 100 yuan. Adding the two together, the maximum monthly online shopping credit that can be obtained with the Life Card is 200 yuan, which is 2,400 yuan per year.

4. In addition to the recent Amazon activities, bind Alipay and purchase overseas products on the Amazon APP. If you spend 300 yuan or more in a single order, you will get an instant discount of 37 yuan (limited to the first 12, 000 orders), the more wool can be harvested. Moms buying milk powder, girls stocking up on skin care products, and otakus buying a PS5 all have the opportunity to get discounts.

That’s it for the introduction of which credit card is the best.