Which credit card is the best among the five major banks?

Industrial and Commercial Bank of China Credit Card, Bank of China Credit Card, China Construction Bank Credit Card, Agricultural Bank of China Credit Card, and Bank of Communications Credit Card

The introduction is as follows :

1. Bank of China Credit Card

Bank of China 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.

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. "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

Which bank's credit card is better?

Credit cards with good reputations and creditworthiness currently on the market 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 Card, etc. They are all good choices. Of course, credit cards The specific amount depends on individual 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 success rate of card application is high, the credit limit is relatively high and there are many activities, and repayment is also very convenient. It has powerful functions, many types of cards, 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 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:

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 foreign currency transaction fees, high-value aviation accident insurance, and free annual payment. Fees and so on. 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

Which bank should I apply for? Better credit cards

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?

China Merchants Bank, Bank of China, China Construction Bank, Bank of Communications, 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 Credit Card

Everyone who has used China Merchants Bank credit cards knows that China Merchants Bank’s service is very good, and it can be regarded as the best among all banks. The service is the best. Although China Merchants Bank cannot apply for a card with a credit card, the efficiency of card placement and limit increase is still quite high. Moreover, China Merchants Bank supports the WeChat limit increase test. Once the test is passed, the limit can be increased quickly. It is simple, fast, and so powerful.

2. China Construction Bank Credit Card

China Construction Bank has issued rapid credit cards in recent years, once surpassing ICBC. Most of the credit cards it issues are low-limit credit cards. The application for a fixed quota has been cancelled, and has been replaced by a system-defined increase. The temporary quota is still quite high, and the overall service experience is pretty good among all major banks.

The advantage of CCB credit card is that the preferential price comparison favors overseas shopping. If you often shop overseas, you can get a CCB card. In addition, as one of the four major state-owned banks, China Construction Bank's installment consumption fees are also quite low, making it a good choice for installment consumption.

3. Bank of Communications Credit Card

The Y-power card I often recommend to my friends is the Bank of Communications Y-power card. It has up to 100% of the cash withdrawal limit. There is no annual fee in the first year of application and the card is swiped 6 times. The annual fee can be waived for the next year, which is very awesome.

The usual activities are also super awesome, such as the must-have activities every year: Reddest Friday, Super Reddest Friday, and Weekly Brushes. In addition, Bank of Communications supports card application. Although the risk control is relatively strict, the difficulty of applying for a card is not as difficult as everyone said.

4. Bank of China credit card

Bank of China has more credit cards, which are preferred for overseas purchases. If you do a lot of overseas purchases, it is strongly recommended to buy a Bank of China card, because among all banks, Bank of China cards are the best for overseas purchases. Taobao has the most and best shopping activities, and from time to time there are cashback and instant discount activities.

5. Agricultural Bank of China Credit Card

Agricultural Bank of China represents the characteristics of state-owned banks: it is difficult to approve cards. Even if you have a house and a car, it is still difficult to apply for a card, and the counter review is slow. However, it cannot be said that it is not entirely bad. The feature of the Agricultural Bank of China credit card is the annual Watsons Saturday event, which offers an instant discount of 60 yuan for purchases over 120 yuan, which is quite impressive.

Key points for applying for a credit card:

Comprehensively consider the purpose, application threshold, benefits, limit currency, installment interest, interest-free period length, etc., and finally choose a card that suits you credit card.

Benefits enjoyed

Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free foreign currency transaction fees, high-value aviation accident insurance, and free annual payment. Fees and so on. 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. And 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.

Which bank’s credit card is better?

The first choice is China Merchants Bank. It is the best credit card that I personally use. The card issuance is very fast and the credit limit is high.

Attached are the credit card information of major banks:

1. The four major commercial banks: Bank of China is very average, with low limits and few points. The activities are all about buying a few thousand for free in a certain shopping mall. , has no practical significance. Online banking is inconvenient. Repayment is convenient.

China Construction Bank has a lower limit, but it is easier to apply for a gold card. Others are the same as above.

There is no need to apply for Agricultural Bank of China. I applied for it for several months, but none of the branches submitted the form. It is a bank that does not pay much attention to the credit card business.

Industrial and Commercial Bank of China is worth applying for. The limit is high and the limits are superimposed. For example, if you apply for a card with a limit of 10,000, and then apply for another one with a limit of 10,000, then your The limit is 20,000. This is the only bank in China that offers overlapping credit limits. In addition, online banking is great and you can directly top up 5k at a time. Repayment is convenient.

P.S: I wonder if you are from Beijing? If so, do it now and you’ll get a free shield.

2. Banks with good credit card development: China Merchants Bank is the first to recommend. It has a high limit and is easy to apply for a gold card. The most important thing is that the points activity is very good and other activities are often launched. In addition, online banking is very convenient and easy to use. Repayment is quite convenient.

Secondly, China Guangfa Bank has the same reason as above, but there are fewer activities, so you need to pay attention to the website. Repayment is quite convenient.

3. Excellent small banks: I have to say CITIC Bank. I don’t know how it is in other regions. Beijing often launches 9 yuan movie-watching activities (you can spend 6 times). All the movies I have watched in the past 2 years are It’s 9 yuan (original price ranges from 70-110), and there are many other activities, so it’s worth checking out. However, the credit limit is average, repayment is inconvenient (it’s better if you have a card), and online banking is not convenient either. But the cards are all beautiful. It is important not to apply for a CITIC Express card, as this does not waive the annual fee.

China Everbright Bank has a high credit limit, and you can apply for a credit limit adjustment in half a year, which is usually doubled. The best thing is that it is a great way to give out points, often times the points, and online transactions also count as points, making it the only one in China. Repayment is inconvenient, online banking is quite convenient, but it’s not very comfortable for a one-time payment of 300 yuan.

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