The credit line is generally not high. Many people complain that the credit card granted by Agricultural Bank of China is too low, only about 500 yuan-2,000 yuan. In fact, it is mainly a question of choosing channels. Don't apply online by yourself, because the quota will be very low.
We can choose to submit the application form on the website, and the bank will make a comprehensive evaluation based on your credit information and bank account flow. You can also choose to contact the salesman to get the recommendation code, and then apply on WeChat.
The review period is too long. No matter which application channel you choose, you have to go through a long waiting period It usually takes about one month to three months. The long time is mainly spent in the audit process. Compared with the efficient and efficient services of other banks, this is indeed a problem that has been criticized by everyone.
Peripheral services exist in name only, and major banks will have online shopping malls for credit card customers in official website. There are few integral activities on the website of Agricultural Bank of China, and sometimes there is a problem that the webpage loading speed is too slow. This will directly reduce the customer satisfaction experience. Online staging malls are also unrealistic and not suitable for young people with small deposit bases.
Subsequent card collection procedures are cumbersome. In some ABC systems, you can choose to mail your credit card home. This way saves the process of customers running errands, but the express delivery time of ABC cooperation is too long. In some places, ABC has no choice for customers, so I can only go to the bank counter to activate it. The process of handling the card is also a variety of cumbersome procedures such as signing and taking photos.
To sum up, ABC's credit card is suitable for some customers who often have a deposit base, and the groups with relatively strong economic strength are the focus of their attention. If they can learn from other commercial banks, I believe there will be a rapid market growth, which is also necessary to increase market share.
I have a credit card of ABC, but it was run by my colleague's mother. She works in ABC. At that time, it was for her mother's top job, that is, the joint QQ card, which belongs to the ordinary credit card issued by China Agricultural Bank. It's been used for seven years. The only advantage of using it is that there is no annual fee. As for the shortcomings, including the relatively low quota, super slow cash withdrawal, less joint activities between credit cards and merchants, and fewer products for redemption of points! One of the disadvantages: the approval amount is lower than that of joint-stock banks.
Not only the Agricultural Bank, but also the other four state-owned banks have the same problem. Credit card applicants are civil servants and staff of public institutions, and they all give high quotas, generally ranging from 30,000 yuan to 50,000 yuan. However, there are only a few real civil servants and staff in the country, not just enterprise employees. Perhaps considering the unstable work of enterprises and institutions, the amount given by ABC is generally low, which is not the lowest among the four major banks. In any case, individuals have three credit cards, and the minimum amount is only 1.5 million for Agricultural Bank, 25,000 for China Merchants Bank and 30,000 for China Everbright Bank. Compared with joint-stock banks and agricultural banks, the credit card approval quota is obviously very low.
Disadvantage 2: slow exit speed.
The speed and amount of cash withdrawal are also important factors in evaluating the quality of a credit card. I have used this credit card of ABC co-branded QQ for 7 years. 1 cent is not mentioned, it is not overdue, and it is not maxed out. I have been carefully observing the credit card usage norms of Agricultural Bank of China, basically swiping my card on Taobao to buy things, and several credit cards are used alternately. However, China Merchants Bank and China Everbright Bank both increased their quotas by 35,000 points, while Agricultural Bank was surprisingly stingy, and 1 point did not increase. When the Agricultural Bank of China saves money for itself, in order to control its desire to spend money, it does not give a quota, so I don't care if I think about this reason.
The third disadvantage: less credit card holding activities.
I don't know if my coordinate position is a stagnant pool or if I am ignorant. Basically, I can't see any activities of ABC's credit card in cooperation with other businesses. Occasionally, I saw some merchants engaged in car washing and maintenance, as well as Pizza Hut, all engaged in some preferential activities, and the credit card of Agricultural Bank of China was more favorable. Unlike those joint-stock banks, they provide customers with a series of preferential "big meals" together with various businesses every day. All kinds of activities, from delicious food to transportation, travel, accommodation, home and so on, make people dizzy and tempt people to hang up their desire to spend directly. Agricultural Bank has little activity, and credit card customers have no desire to spend. The possible result is that the amount is raised too slowly, or even free of charge.
Disadvantage 4: the grade of goods exchanged for points is very low.
Every bank credit card has some points redemption activities, and most credit card holders don't care much about this matter. After all, they often spend less than 10,000 points a year and can only exchange tens of thousands of points for a small coffee cup or spoon. Simply put the points in the credit card, and the bank is willing to clear them every year or store them permanently. ABC's points exchange is very low, and the requirements for points are very high. For example, a vacuum straight cup of Pleasant Goat series needs 60,900 points, and the value of this cup is no more than that of 20 yuan. A Haagen-Dazs 100 yuan voucher needs 60,000 points, and a Jieliya towel needs 26,000 points, worth 20 to 30 yuan.
Each bank's credit card has its own advantages and disadvantages. Credit card customers who may have a large transaction amount are more concerned about these activities, such as the quality of points exchanged for gifts and the amount raised. Anyway, personally, I feel that the amount is enough, and the rest are just clouds. How much does the bank save by using credit cards and businesses to invigorate kinetic energy? If you can't save much money, you might as well spend your money on those gifts instead of redeeming points. Then, if you increase the quota, you will spend more, and repayment is the most painful. It's good to have less pain and less quantity.
I think the disadvantage is to return the brush. what do you think?
Most people ask about the advantages and disadvantages of a bank's credit card. I happen to have a credit card of the Agricultural Bank of China, which has been used for many years. Then I will talk about the shortcomings of the credit card of the Agricultural Bank of China:
First, the issue of quotas.
The initial credit card quota applied from ABC is 20,000 yuan (this quota should be above the average credit card quota issued by ABC). In recent years, some credit cards have been refurbished, some furniture and home appliances have been purchased, and some have been used one after another. It has been 345 years since the credit card limit rose to 40,000 to 50,000, but at present, the credit card limit has not increased at all. On the other hand, CITIC Bank uses less credit cards, which have now risen to 50,000 yuan! Generally speaking, the quota is not high, and the quota increase is slow!
Second, there are too few local preferential activities.
I don't know if it's because big state-owned banks disdain to do joint activities with some local vegetable merchants. Shiyan Agricultural Bank has basically no activities in Shiyan, only Pizza Hut; On the other hand, when China Merchants Bank enters the official account of Software or WeChat, it can see many local food discounts in Shiyan, with half price on Wednesday. Although I use this activity less, I still like it very much!
Third, telephone harassment is too serious.
I don't know if it's because I used it too much or something. As long as I have a large sum of money to spend or the bill comes out, the staff of the Agricultural Bank will call me to handle the installment! I just hung up here and called there again. Anyway, it is annoying! There are more telephones outside than advertising companies, and I feel that my privacy is not protected at all! I hope the relevant departments will pay attention to this!
Fourth, the card surface is monotonous.
Except for the slightly better design of individual card faces, most card faces are old-fashioned and ugly, which lacks innovation and attraction for customers of different ages!
Verb (abbreviation of verb) annual fee
A small number of ABC credit cards have no annual fee, and most of them are free. Generally, the annual fee is free in the first year, and the annual fee is free in the following year after the number of swipes in the first year. Some cards have a high annual fee, but the problems and tips on the number of swipes per year are not good enough and detailed enough, which makes people forget and can't tell whether they meet the standards!
Almost ABC's credit cards mainly have the above shortcomings. I don't think most of the shortcomings are serious, but this frequent harassment is a bit excessive. I hope it and relevant monitoring departments can pay more attention to it and improve it! Speaking of disadvantages, let me talk about advantages:
I. Integral
Credit card points of each bank can be exchanged for gifts, and credit cards of Agricultural Bank of China can also be exchanged for gifts. I won't go into details about the projects here. Almost all banks have those things! The credit card points of Agricultural Bank of China can be deducted from cash 1000 points, and 0 yuan 65438+ can be deducted from the US group's takeaway. Although the cost performance is not very high, at least it can be used as money!
Second, consumption cashback.
I signed up for activities on mobile banking of Agricultural Bank of China, and I got a red envelope at random when I spent 18 yuan every day, with a maximum of 666 yuan. At present, I can get more than five yuan at most.
Third, discounts.
Every month, we use ABC mobile banking (fuel card) to charge the phone bill on WeChat. The first 20% discount can only be 100 MINUS 20, and there are two 5% discounts!
As one of the four state-owned banks, Agricultural Bank of China has a good reputation and obvious shortcomings.
ABC's shortcomings
① The application threshold is high, the period is long and the quota is low.
The card threshold requires a car and a house, and more than 50,000 yuan is deposited in the Agricultural Bank of China. People who want to meet this qualification often have strong economic strength. But on the other hand: I have a car, a house and a deposit. Do I still need a credit card?
It takes a long time for ABC to apply for a credit card, which usually takes more than half a month to complete. It is much slower than the 3-5 working days of Guangfa, Investment Promotion, Peace and Transportation. People who need money badly can't wait to use it when they get off the card. We can only find another second to use it.
Admittedly, ABC's quota is low. Just last year, I opened a credit card of Agricultural Bank of China with a limit of only 2,800 yuan, so I didn't activate it. The activation operation is also quite complicated. To provide this and that, I felt that only the limit of 2800 was so complicated. So we have to put him aside.
② No card loss guarantee service.
Many people play cards, but they never care about the protection of losing cards. Wasted his rights and interests in vain. In fact, many banks have lost their card guarantees. As long as the amount of loss caused by the loss of credit card is not your own reason, the bank will compensate you for the loss. You can imagine how fragile it is without this function. If someone steals this place for a while, you will lose a lot.
③ SMS reminder fee, 2 yuan/month.
Many banks have SMS notifications to remind them of changes in the amount. Agricultural Bank of China does not have this service. If you want to open SMS consumption reminder, then you have to pay a SMS reminder fee of two yuan per month. But we can simply do it through the official WeChat account, and we don't need to open this function.
(4) Online staging malls exist in name only, mainly because there is no maintenance and update, and many businesses are closed down. Among the four major state-owned banks, such websites are relatively poor. Usually do not update the latest news of the online mall.
⑤ Web page loading speed is too slow; There are too many contents on the website of Agricultural Bank of China, so load the speed card. The website of Agricultural Bank of China is very crowded, and fewer and fewer people use credit cards regularly.
⑥ The billing date of each card is different. The billing date and repayment date of each card type are the same. It seems very rigid and difficult to remember. He won't change orders like China Merchants Bank. This is a fixed line. Some people will pay back as soon as they get paid, while others will pay first. Some people pay their wages to the repayment date. But I think as long as your salary is paid, it will be very good under the current epidemic situation all over the world.
Summary: Agricultural Bank's credit card has both advantages and disadvantages.
I have used the agricultural bank card for about six years. If I use it well, the amount will increase quite quickly. However, it cannot be phased in, and the Agricultural Bank of China will not give the quota during the phased period. Therefore, ABC wants to increase the credit line, as long as it is used normally, there is no need to stage it.
If something really happens to you, you will know that ABC is more ruthless than other banks. The deceased's bill in COVID-19 is overdue and cannot be exempted from interest and liquidated damages. When he was alive, it was not overdue. His family called in April to repay the loan and asked me to call. How can I make a phone call when everyone is gone? Garbage customer service level.
Agricultural Bank credit card is the most rubbish credit card I have ever used. Accidentally overdue for four days, the charge is higher than usury.
The disadvantage is that I refused after waiting for a month. CCB will give me 7 working days, from filling out the application form to sending the card home.