Which credit card is the best

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?

Agricultural Bank of China Credit Card, Industrial and Commercial Bank of China Credit Card, Bank of Communications Credit Card, China Construction Bank Credit Card, and Shanghai Pudong Development Bank Credit Card are all credit cards with good reputations.

1. Agricultural Bank of China Credit Card:

Agricultural Bank of China Credit Card takes innovation as its main line and has successively launched standard series of cards, business card series, platinum cards and various regional cards according to different customer groups. A series of products such as co-branded cards and specialty cards meet the needs of different customer groups.

In addition to providing a series of thoughtful features such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of losing the card, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. Serve. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.

2. ICBC Credit Card:

ICBC Credit Card is the credit card with the highest circulation in China. The main types of ICBC Credit Card include: Peony International Credit Card, Peony Credit Card, and Peony Credit Card. ; According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; according to the credit grade, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which Personal cards are divided into primary cards and secondary cards.

3. Bank of Communications Credit Card:

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its users are positioned as a group of people who are interested in life and career. Ideals, pursuits, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.

Bank of Communications Credit Card is 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 created by Bank of Communications by introducing HSBC's advanced technology and management. It brings together the dual advantages of global and local, takes the Chinese global card as its theme, and advocates a new consumer culture and card-using experience. , providing preferential treatment and considerate services all over the world.

4. China Construction Bank Credit Card:

China Construction Bank Longka 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. There are more than 100 credit card products in multiple series such as Dragon Card Family Favorite Card, Global Popular Card, Tencent Game Card, etc.;

Meet customers’ various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.

5. Shanghai Pudong Development Bank Credit Card:

Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Pufa Meng Card allows consumers to choose products and rights. Customers customize cards according to their needs, including selecting card material, card surface pattern, exclusive rights, and card organization. The bank then makes a credit card based on the customized information.

Which bank's credit card is easy to use?

1. China Merchants Bank, China Merchants Bank credit card is relatively easy to get a card, and the limit is increased quickly. Generally, it takes three months to swipe the card. You can make the first withdrawal, and even those with good qualifications can use the card for one month to raise the limit. However, the prerequisite for being able to quickly raise your balance is normal consumption, and you must not cash out. You can spend large amounts, but you cannot max out your balance frequently. If you accidentally overdue your card, China Merchants Bank will not immediately block the card or reduce the limit like other banks. China Merchants Bank basically does not reduce the limit. Even if you continue to use it for a few months after overdue repayment, you will be given the opportunity to increase the limit. China Merchants Bank points are the most valuable among all banks. They can be directly redeemed for goods or offset the price of goods in the points redemption area. China Merchants Bank credit card also offers many preferential activities, such as 799 points redeemed for Starbucks, limited points redemption for birthday months, 50% off food on Wednesdays, etc. , basically the kind where you can get discounts on food and drinks.

2: Guangfa Bank, compared with the four major banks, China Merchants Bank, Bank of Communications, etc., when applying for a credit card, the application success rate of Guangfa Bank is relatively higher. However, if your salary level is not high, your income is unstable, or you have a bad credit record, it will be difficult to get a card no matter which bank you choose. After using Guangfa Credit Card for half a year, you can basically withdraw cash 100%, unless the card is used illegally; there is also a 56-day long interest-free period, a low installment starting point (only 500 yuan), and 48-hour card loss protection. Guangfa Credit Card has many great promotions, such as cash rebates on gas, Friday Food Day, etc., which are as low as half price. There are many types of credit cards, covering all aspects of life, and there are many specialty credit cards. For example, China Guangfa Bank American Express Life Card. The highlight of this card is the cash back for online shopping, as well as some limited-time offers and more.

1. The positioning of China Guangfa Bank American Express Lifestyle Card is very clear: young white-collar workers who like to shop online, who can directly withdraw cash or pay bills in installments if they are occasionally short of funds, and who have just entered the workplace.

2. For users who cannot leave home once a year and have no need for travel rights, mileage, or hotels, the Lifestyle Card is also a card worth holding. After all, no matter how good the rights are, No matter how many miles you have, there is no real money or silver.

3. You can get 1% of the online shopping bonus for spending in designated channels within three natural months after debiting the card, and 0.3% of the online shopping bonus after three months. The upper limit of monthly online shopping bonus through consumption is 100 yuan; in addition, you can also get online shopping cashback by withdrawing cash in installments. The rebate ratio is as high as 10%, and it is not limited by time. It is 10% during the validity period of the card. The upper limit for this part is also 100 yuan. Adding the two together, the maximum monthly online shopping credit that can be obtained with the Life Card is 200 yuan, which is 2,400 yuan per year.

4. In addition to the recent Amazon activities, bind Alipay and purchase overseas products on the Amazon APP. If you spend 300 yuan or more in a single order, you will get an instant discount of 37 yuan (limited to the first 12, 000 orders), the more wool can be harvested. Moms buying milk powder, girls stocking up on skin care products, and otakus buying a PS5 all have the opportunity to get discounts.

Which credit card is the best

It is recommended to use China Merchants Bank Credit Card.

1. Apply for a card quickly and have a high credit limit. The maximum limit of the gold card can reach 50,000 yuan. The annual fee is waived in the first year, and the annual fee is waived in the following year if the card is used up to the standard. New households will receive a variety of exquisite gifts if they meet the credit card requirements. Points earned by swiping the card can also be redeemed for Starbucks, video membership, etc.

2. There are many types of cards, choose as you like. In response to the consumption needs of different groups, we have successively launched standard credit cards, high-end credit cards, special theme credit cards, fashion credit cards, cartoon fan credit cards, online social credit cards, online game credit cards, overseas travel credit cards and various business cards. Class credit card.

Comparison of credit cards from major banks:

1. China Construction Bank

Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you swipe three times; 2. The SMS service is free; 3. The handling fee for cash withdrawal is only 0.5%; 4. The handling fee for reporting a loss is 50 yuan; 5. There is a credit card directly targeted at car owners, and anyone with a car with an engine capacity of 1.4 or more can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor.

2. Bank of China

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1 %; 4. The handling fee for reporting a loss is only 40 yuan.

Disadvantages: The points required to exchange gifts are high and the types of gifts are small.

3. Industrial and Commercial Bank of China

Advantages: 1. The annual fee for the year is waived when swiping the American Express card 5 times a year or spending 5,000 yuan, or you can exchange 2,000 points for the annual fee for a RMB card; 2. There is no handling fee for cash withdrawal; 3. There is no handling fee for claiming overpayment; 4. It only costs 20 yuan to report a loss; 5. There are many outlets.

Disadvantages: The SMS service fee is 2 yuan/month; the points required to redeem gifts are high and the types of gifts are small.

IV. Agricultural Bank of China

Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe five times; 2. The SMS service is free; 3. The cash withdrawal fee is only 1 %; 4. The handling fee for reporting a loss is only 50 yuan; 5. There are many outlets.

Disadvantages: Few types of credit cards; card application procedures are relatively cumbersome; few points can be redeemed for gifts.

5. China Merchants Bank

Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you swipe six times; 2. Free SMS service; 3. The loss reporting fee is 60 yuan ; 4. Points gifts are better.

Disadvantages: high cash withdrawal fee of 3%; fewer outlets.

6. China CITIC Bank

Advantages: 1. The first-year annual fee is waived if you swipe the card once within one month after issuance, and the next annual fee is waived if you swipe the card five times; 2. The SMS service is free; 3. Get an accident insurance policy.

Disadvantages: high cash withdrawal fee of 3%; few outlets; high loss reporting fee of 80 yuan; many gifts but higher points required.

7. Industrial Bank

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe five times or spend 3,000; 2. It only costs 50 yuan to report a loss.

Disadvantages: SMS service fee is 3 yuan/month; high cash withdrawal fee of 3%; few branches

Which credit card from the five major banks is the best

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

The introduction is as follows:

1. Bank of China Credit Card

Bank of China Credit Card It is an international standard credit card with one card and two currencies and 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.