You will know which one is better between China Merchants Bank Credit Card and Ping An Bank

Comparing credit cards, there is no absolute good or bad, but there will always be cardholders who face the problem of credit cards. When applying, I didn’t know how to choose. There are four major state-owned banks and more than a dozen commercial joint-stock banks in China. Each of them issues a variety of credit cards and offers many discounts. It’s no wonder that cardholders have difficulty choosing. Today I would like to tell you which one is better, China Merchants Bank Credit Card or Ping An Bank.

Application Section

The basic conditions for applying for a credit card are the same. The applicant is over 18 years old, has a job and a certain income, and has a good credit report. Regarding the differences between China Merchants Bank credit card and Ping An Bank credit card applications, it is possible that CMB’s application threshold is relatively lower. After all, Ping An Bank’s main product is insurance, and credit card processing is more or less linked to insurance.

Limit

Generally speaking, the credit card limit mainly depends on the applicant’s own conditions, financial strength and credit status. The credit limit with better conditions in all aspects is also will be higher. Generally speaking, the limits approved by China Merchants Bank and Ping An Bank are not very high, but the minimum limit for a regular card of China Merchants Bank is 3,000 yuan, while Ping An Bank may also have a limit of less than 3,000 yuan. The higher limit depends on the applicant. qualifications.

Discounts

Credit card discounts have always been the main attraction for cardholders to apply for cards. China Merchants Bank's credit card service has always been well-known, but Ping An Bank's is incomparable. In terms of preferential activities, each company has its own advantages. China Merchants Bank's credit card discounts cover all aspects, while Ping An Bank focuses on insurance and automobile services. But in terms of the cash withdrawal fees of the two banks, China Merchants Bank 1 beats Ping An Bank’s 2.5.

Card Types

China Merchants Bank’s credit cards have always been more popular among the younger generation because China Merchants Bank has developed a variety of targeted cards for students and young people; and in terms of high-end card types , China Merchants Bank has not neglected, such as black gold card, unlimited card, etc.

The above is an analysis of which one is better, China Merchants Bank Credit Card or Ping An Bank. Although it is not comprehensive, we can still get a glimpse of it from these aspects. In fact, which credit card is better cannot be generalized. Specific card applicants have different choices.

Ping An Bank, China Merchants Bank, Bank of China, which credit card is better?

Bank of China has created a variety of innovative credit card products and wholeheartedly provides consumers with rich and colorful courtesy services. Fangfang meets the consumption needs of different customer groups, including: personal Jinpu credit cards, platinum credit cards, high-end cards and many other credit card products. You can inquire through the credit card WeChat public account, Colorful Life APP, official portal website, customer service hotline and other channels.

The above content is for your reference, please refer to actual business regulations.

Which bank is better for credit cards?

Each bank’s credit card has its own characteristics:

1. Ping An Bank: First apply for a credit card threshold The lower bank is Ping An Bank. The reason why Ping An Bank can approve many credit cards that other banks cannot is because Ping An's big data is relatively powerful. In addition, Ping An Bank's credit cards often have larger credit limits than those of other banks. Therefore, in If you have applied for a credit card from other banks but were not approved or want to get more credit lines, you can try to apply for a Ping An Bank credit card;

2. Bank of Communications: One feature of Bank of Communications’ credit card is that it is good The credit limit granted by Xiangdai is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to apply for it;

3. China Merchants Bank: A major feature of China Merchants Bank’s credit cards is that there are many activities and the activities last for a long time , such as half-price on Wednesdays, the annual ten-yuan storm, irregular cash withdrawals and points bonus and other activities. You don’t need to brush points every day. You can just participate in activities and brush points when there are events.

In addition, the credit card application rate is relatively high now. Credit cards that are more suitable for novices include China Merchants Bank’s Young Card, CITIC’s i Platinum, GF’s DIY Card, Bank of Communications’ Wal-Mart Card, etc.