which bank is better for domestic credit cards? More rights and interests?

on the whole, ICBC is better, with more rights and interests. The credit cards of several major banks are compared as follows:

1. Industrial and Commercial Bank of China

If we want to say which bank is the most worthy of application in 221, ICBC is still the first one. After all, the name of Cosmos Bank is not called in vain, and the thresholds of different card types are different. If you pursue the success rate and quota, then ICBC's star-brushing technology will be used (without asking Xiaobai separately) and it will be successful!

1. ICBC Platinum Digital Card: annual fee is free, small platinum card, and the application threshold is not high;

2. ICBC Glory Plus Platinum Card: the annual fee is rigid, but 1% of domestic and overseas consumption is cashed back, the quota is good, and the application threshold is high;

3. ICBC Shangri-La Platinum Card: the annual fee is free, the hotel rights are good, the quota is high, and the application threshold is moderate.

Second, China Merchants Bank

In addition to ICBC, China Merchants Bank is also very popular now. Card friends not only like China Merchants Bank's many activities, but also like its fast credit card withdrawal (if you don't mention China Merchants Bank all the time, you may have entered the dark room and asked Xiaobai to go out of the dark room for 45 days). Here are some popular credit cards of China Merchants Bank in 221!

1. Free Life Platinum Card of China Merchants Bank: the annual fee is free, the application threshold is moderate, the sub-card is optional, and the amount is high;

2. Classic Platinum Card of China Merchants Bank: the annual fee can be exempted from points, the birthday is 1 times points, the application threshold is moderate, and the quota is strong;

3. China Merchants Bank Express Centurion Platinum Card: rigid annual fee, strong rights and interests in all aspects, high application threshold and very high quota!

Third, China Construction Bank

The third one is about construction. Xiao Bai likes it very much, because the space behind him is very large, and in terms of cost and time, CCB is very good, but if you have too many credit cards, CCB may miss you, because he doesn't like multi-head credit! (If you can't apply because the debt ratio is too high, you can ask Xiaobai how to reduce the debt in 45 days)

1. Longka bilibili Credit Card: the annual fee is free, the application threshold is low, and the card-issuing rate is high;

2. Longka car card: rigid annual fee, optional for car owners, application must meet the threshold of owner card, and the amount is moderate;

3. Longka Family Love Credit Card: the annual fee can be exempted from points, the family rights and interests can be given strength, the amount is moderate, and the application threshold is moderate;

4. Longka enjoys Platinum Credit Card (Dashanbai): the annual fee can be exempted from points, the rights and interests are very strong, the amount is also very strong, the application threshold is high, and the way of running a sub-card is easier to succeed.

IV. Agricultural Bank

The best momentum of Agricultural Bank of China is also good. Since the reform, it has been much easier for Agricultural Bank of China to apply for credit cards, and the credit line and back card loans have also been correspondingly strengthened, which is also a hidden danger worth applying for! (Make a pre-approval quota before applying, and the success rate is very guaranteed)

1. ABC Carefree Platinum Credit Card: the annual fee is free, the application threshold is moderate, the quota is good, and the sub-card is the first choice;

2. ABC upgraded its mother's credit card beautifully: the annual fee is free, female cardholders are the first choice, the application threshold for women is not high, and the quota is relatively strong;

3. ABC Zunran Platinum Credit Card (Essence Edition): the annual fee is free, the rights and interests are strong, the application threshold is high, and the amount is high.

V. Bank of China

Xiaobai of China Bank is generally not recommended, mainly because its application threshold is high, and it needs a card friend with certain financial resources or high-quality conditions to apply. Just introduce a good card!

1. Great Wall Diamond Credit Card of Bank of China: The annual fee can be exempted from points, and the diamond card has a high application threshold and a high amount.

which bank is easier to apply for a credit card? These are the cards that are easy to get off in the four major banks!

For card friends, of course, they all want to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose? Which credit cards are easy to apply for?

1. CITIC Bank Taobao Card can greatly improve the efficiency and the success rate of card approval by binding the customer's Taobao account. CITIC Bank's card approval speed has always enjoyed a good reputation among card friends. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now apply for CITIC Taobao Card through the Internet, and make the first quick payment to reduce 3 yuan. Don't miss this offer!

2. Guangfa True Love Card, the first female-only credit card in China, is designed with a transparent card version, which advocates the concept of "independence, calmness, cleverness and frankness" for women's life. It has the functions of triple points plan for self-selected merchants, self-selected insurance plan and other services, and enjoys discounts from many merchants, giving women more personality choices and more caring services. More importantly, it is simple and quick to apply for this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.

3. Guangfa Owner Card is specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy 1 kilometers of free road rescue service nationwide, 5 times points for credit card refueling or 1% cash refund discount, and choose high insurance protection and many other functions and benefits. The application of Guangfa Owner's Card naturally reduces a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for a credit card by providing their own car's driving license!

4. New customers of China Merchants Bank QQ co-branded credit card will be given a full amount of 388 yuan for American traveler's fashion backpack. Customers of the new batch of cards only need to swipe their cards three times within two months, and each time it is over 188 yuan, they will be given a 388 yuan American traveler's fashion backpack. The first cash withdrawal every month is free of charge.

5. The best card for China Merchants Bank is China Merchants YOUNG Card, which is one of the most popular cards among young people. You can apply for a small white collar just after graduation, and college students who have reached the age of 18 can also apply for a formal internship contract. If the maximum withdrawal amount of 1% credit limit is not enough, then add the first withdrawal fee free of charge every natural month!

6. Ping An Bank's credit card is very grounded, such as owner's card for car owners, standard card for supermarket shopping, platinum card discount at the airport, and direct access to the cinema. Card promotions are covered in food, fitness, entertainment, shopping and so on. The most sought after and easy to handle credit card.

Comparison of Haitao credit cards among banks

Compared with Taobao, Haitao, as a new shopping method, has become the focus of online shoppers. Once you are fascinated by Shanghai Amoy, it will be out of control. If you want Haitao to be inseparable from credit cards, then which bank's credit card to apply for is a problem faced by the majority of card friends. Today, I will tell you about the advantages and disadvantages of Haitao credit cards in various banks.

1. China Merchants Bank:

The fee is not low. Even if it is a gold card, it will inevitably lead to overseas emergency loss reporting and emergency replacement of the card. There will be activities such as cashing in dollars, which is suitable for Haitao people.

Advantages:

1. There are a variety of cards and good service. You can apply for AE cards and swipe your card for 6 times without the annual fee.

2. It is very convenient to purchase foreign exchange for repayment. It is particularly worth mentioning that as long as RMB is deposited into China Merchants Bank's credit card, it will give priority to automatically repay the US dollar arrears, which means that you can repay the US dollar arrears by using third parties such as Alipay, Tenpay and Kuaiqian, without having to purchase foreign exchange by phone, which is more worry-free.

Disadvantages:

1. Among the 1 banks, the currency conversion fee and the selling price of dollars tend to lean forward;

3. The overseas card-free transaction function cannot be turned off.

second, citic bank

advantages: it can automatically purchase foreign exchange, handle AE card, swipe the card for 6 times without annual fee, the visa agency service is also good, and there are many currencies. The selling price of US dollars is low and the quota is strong.

Disadvantages:

1. Currency conversion fee, and the overseas card-free payment function cannot be turned off;

3. The online banking function is poor, so you can't check the exchange rate.

III. Advantages of ICBC

:

1. It has the largest number of outlets and many currencies, and unlike Bank of China, the selling price of foreign currency is generally low, so you can directly purchase foreign exchange for repayment in online banking and receive it in real time.

2. There are AE cards and multi-currency cards, and the annual fee is free for swiping the card for 5 times, and there is no handling fee for withdrawing the overpayment; Currency conversion fee (also known as overseas transaction evaluation fee) is low, V is 1%, and M is the lowest among all banks in China. Therefore, in Germany, if you use a US dollar card to swipe euros, if you use RMB for repayment, considering the factors of RMB appreciation, you may save buying foreign exchange in RMB than using a euro card.

3. It is convenient to purchase foreign exchange for repayment. As long as you deposit enough money in your debit card, you can also directly repay foreign exchange in online banking, and receive it in real time. This function is almost not provided by banks. CCB's online banking purchase of foreign exchange does not receive it in real time. Don't underestimate this function, it can save money. You can keep refreshing, find a low foreign currency selling price, and then make foreign exchange repayment, which is very autonomous. In addition, online banking can choose to purchase foreign exchange in real time (foreign currency consumption can be converted into RMB in real time, and it will be several years before BOC's Global Card can realize this function).

4. The selling price of foreign currency is generally low, and the foreign exchange quotations of banks are always different. Although there is little difference in the quotations of banks, ICBC is generally low, only a few points lower, but if the amount is large, it will save some money.

5. You can easily turn on or turn on the overseas card-free payment function to improve security.

6. The interest-free period is 56 days. Although the billing date is always the 1st and the repayment is always the 25th, it is the longest. The currency conversion fee is the lowest in all major banks, with V being 1% and M being the disadvantage:

1. The quota is not necessarily powerful. In the early years, it was even more difficult for ICBC to apply for a credit card, even if it had very good economic strength, it was still difficult, especially for the euro card, which was only 5 euros.

2. There are great differences in service capacity among provinces. For example, if there is a pro-Euro card, the provincial card department said that there is no Euro card version, but a US dollar card version was used. Therefore, the pre-printed bin does not match the embossed bin, which led to the refusal to swipe it once in Germany and forced to use the US dollar card.

3. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.

Fourth, Industrial Bank

Advantages:

1. Standard dual-currency gold card for family members, free of annual fee and free SMS reminder;

2. The selling price of foreign currency is generally low, so foreign exchange can be purchased automatically, and Amazon has points for dollar consumption;

3. The overseas transaction function can be set manually: "closed, only once, for a certain period of time or permanently opened"; (TX, who is worried about network security, can set "only once" before Haitao, and will automatically turn off the overseas transaction function after payment)

4. Buy air tickets online and pay in full to give 2 yuan insurance.

disadvantages: few dots.

5. China Construction Bank

seems to have found no advantages and no obvious disadvantages. The selling price of USD is often higher than that of other 9 banks, and the currency conversion fee is 1.5%.

VI. China Bank

uses countries and currencies (US dollar v, British pound m, German euro v, Swiss euro v, Australian dollar V)

Advantages:

1. The highest level of internationalization. As the most professional foreign exchange bank in China, credit card overseas business is the most mature. The design above is mature and atmospheric. Most American cashiers know BOC, and there is no UnionPay plaster on the card surface.

2. The currency is complete.

3. BOC has many overseas outlets, so it is convenient to go directly to new york Branch of the United States to pay back the US dollar debt of the US dollar card. Suitable for long-term people going abroad.

4. Real-time SMS. There will be a phone call after swiping foreign currency, but my international mobile roaming fee will be wasted.

Disadvantages:

1. The selling price of US dollars is not low, and it is often the highest.

2. Annual fees are unavoidable for credit cards in euros and pounds. If you don't go to euro countries or Britain, don't apply for these cards, because they are single-currency credit cards, and you will have to pay an annual fee. If you swipe your card at home, you will have to pay a currency conversion fee. And these annual fees can be used to pay a lot of dollars.

3. Online banking sucks. Before 28, BOC knew nothing about online banking. Online banking has existed since 28, but the interface is stingy and difficult to use. Credit card functions are rarely customized. The single-currency credit card has also been registered by another website in Hong Kong.

4. You can't close the overseas website for payment without a card. Except that a single foreign currency credit card can register VBV and MasterCardSecureCode function,

VII. Bank of Communications

uses country and currency (US dollar M)

Advantages:

1. The selling price of US dollar is slightly lower than that of ICBC, which is the same as that of China Everbright Bank. Anyway, it won't be higher than Bank of China

2. Jinfeng Card looks good.

3. The quota is super awesome.

Disadvantages:

1. Why is the currency conversion fee so high? The other one is Everbright. So don't use it in non-US dollar areas.

2. You can't turn off the overseas card-free payment function, and some netizens reported a large amount of stolen credit.

3. swipe your card quietly. There is no text message or anything. It costs money.

VIII. Minsheng Bank

uses country and currency (U.S. Dollar V)

Advantages:

Very few

Disadvantages:

Even for transactions in the same currency, there is a 1% so-called overseas transaction fee.

IX. China Everbright Bank

uses the country and currency (U.S. Dollar V Fuka)

Advantages:

1. The selling price of U.S. Dollar is low, which is often the lowest among all 1 banks. Off-topic: However, its US dollar demand deposit is expected to have the highest annualized interest rate, so all US dollars are put aside.

2. You can turn off the overseas card-free closing function by phone, but it is always inconvenient to make a phone call every time.

3, real-time SMS notification, frequent phone harassment, waste my international phone bill.

Disadvantages:

The currency conversion fee is as high as 1.95%

X. Huaxia Bank

uses the country and currency (U.S. dollars M)

Advantages:

1. The logo of Deutsche Bank on the card is familiar to many foreigners. On two occasions, the American cashier said, "Yourcardisfantastic." I guess I saw the logo of DB.

2. The overseas card swiping function can be turned off. This function is different from closing overseas card-free payment, especially for countries such as Malaysia, where the card information is stolen. It can be described as a major feature.

Disadvantages:

1. The so-called conversion fee of 1% is still charged for the same currency

2. It is not easy to use without Huaxia Debit Card. Huaxia debit card is exempt from a handling fee for overseas UnionPay cash withdrawal.

Which bank has a better credit card?

Which bank has a better credit card?

Generally speaking, it is more appropriate for us to hold up to six credit cards. You can handle credit cards of various banks according to your own consumption needs.

1. Credit cards of the four major banks

The approval of credit cards of the four major banks is more urgent and strict than that of other banks, so we can apply for credit cards of the four major banks first, and then apply for credit cards of other banks. The reason for handling credit cards of the four major banks is very simple, that is, the four major banks have the widest outlets, and most of our business is handled through the four major banks in daily life. Therefore, handling credit cards of the four major banks can avoid the problem of cross-bank processing in subsequent business, which is more convenient. It is also more advantageous for subsequent bank loans.

ICBC credit card, China bank credit card, China Construction Bank credit card, Agricultural Bank credit card and Bank of Communications credit card.

The introduction is as follows:

1. China Bank Credit Card

China Bank Credit Card is an international standard credit card, with one card and two coins.