Which credit card has the lowest interest rate
Many friends have asked which bank’s credit card is easier to apply for. I’m afraid I have to answer you, you have to choose from a commercial bank, among the four major state-owned banks. The difficulty of doing so will be relatively greater. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.
1. Industrial and Commercial Bank of China: Universe Constellation Credit Card
ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!
In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.
2. Bank of China: Taobao Credit Card
The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.
3. Agricultural Bank of China: Beautiful Upgrade Mom Credit Card
This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. The visa platinum card is also free of annual fees during its validity period.
You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.
4. China Construction Bank: The most popular card in the world
This card from China Construction Bank is also relatively easy to apply for, and is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.
Overseas wifi, special discounts on air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.
This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to everyone. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!
Is credit card installment good to use? Which bank card has the lowest installment interest?
The interest rates are almost the same. The longer the installment, the higher the interest rate. Installment is also very convenient, especially when funds are tight. Installment can relieve immediate pressure and extend the repayment time.
Generally, the fees of the four major banks, ICBC, Agricultural Bank of China, China Construction Bank and China Construction Bank, are similar. Among them, if it is divided into 3 installments, ICBC is the lowest; if divided into 6 or 12 installments, the four major banks are the same, each installment is 0.6 ; 18th or 24th period, the ABC is 0.6 for each period.
The installment fees of large joint-stock commercial banks such as China Merchants Bank, Shanghai Pudong Development Bank and Minsheng Bank are relatively high. If you repay the loan on time after applying for installment, no interest will accrue, only a handling fee will be charged.
Extended information:
Agricultural Bank of China’s installment business:
Instalment payment handling fee: the maximum is not more than 1.2 of the installment amount and the number of installments.
Extension handling fee: no more than 200 yuan or equivalent.
The annualized handling rate for installment business conversion is: 0-16.04 (the above ratio is the annualized internal rate of return calculated based on the cardholder’s cash flow. Due to the interval between the installment product chosen and the billing day, each The actual number of days per month, early repayment, cooperative merchants, etc. may vary.)