Which banks have credit card business

I agree with what was said above, banks basically have credit card business.

China Construction Bank, Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China , these banks are relatively difficult to apply for, and the procedures are relatively high.

Other banks are quite easy to apply for, and do not require too many conditions. Proof of income, and no credit stains can generally be approved: China Merchants Bank , Bank of Communications, Minsheng Bank, China CITIC Bank, Everbright Bank, Industrial Bank.

The best banks to deal with are recommended by everyone: CITIC Bank and Minsheng Bank, especially Minsheng Bank.

Under the same conditions, the credit limit provided by Bank of Communications will be higher.

Which credit card bank is better?

Comprehensive inventory of all bank credit cards around you

Four major state-owned commercial banks:

China Construction Bank:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe three times;

2. The SMS service is free;

3. The cash withdrawal fee 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. Anyone with a car with a displacement of 1.4 or more can easily apply for the card.

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

Bank of China:

Advantages:

1. Free of charge for the first year If you swipe five times, the next annual fee will be waived;

2. SMS service is free;

3. Cash withdrawal fee is only 1;

4. Loss report procedure The fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

Industrial and Commercial Bank of China:

Advantages:

1 , swipe the American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for the annual fee for the RMB ordinary card;

2. The cash withdrawal fee is free;

3. There is no handling fee for overpayment redemption;

4. It only costs 20 yuan to report a loss;

5. Many outlets

Disadvantages:

1. The SMS service fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

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 after five swipes;

2. The SMS service is free;

3. Cash withdrawal fees Only 1;

4. The handling fee for reporting a loss is only 50 yuan;

5. There are many outlets

Disadvantages: 1. Few types of credit cards; 2. Card application The procedures are relatively cumbersome; 3. Few points can be redeemed for gifts

China Merchants Bank:

Advantages:

1. The annual fee is waived for the first year, and it is waived after six purchases. Annual fee;

2. SMS service is free;

3. Loss report handling fee is 60 yuan;

4. Points gifts are better

Disadvantages:

1. High cash withdrawal fee of 3;

2. Few branches

CITIC Bank:

Advantages ：

1. Swiping the card once within one month after issuance will waive the first-year annual fee, and swiping the card five times will waive the annual fee for the following year;

2. SMS service is free;

3. Free accident insurance

Disadvantages:

1. High cash withdrawal fees;

2. Few outlets;

3. The handling fee for reporting a loss is 80 yuan;

4. There are many gifts but the required points are high

Industrial Bank:

Advantages:

1. The annual fee is waived for the first year, and the annual fee for the next year is waived if you use it five times or spend 3,000;

2. It costs 50 yuan to report a loss

Disadvantages:

p>

1. SMS service fee is 3 yuan/month;

2. Cash withdrawal fee is high and needs 3 yuan;

3. Few outlets

Transportation Bank:

Advantages:

1. The first-year annual fee is waived. Y-POWER cards are swiped three times to waive the next year's annual fee, and other cards are swiped six times to waive the next year's annual fee;

2. The SMS service is free;

3. The cash withdrawal fee is only 1 yuan;

4. It costs 50 yuan to report a loss;

5 , more outlets than other non-state-owned commercial banks;

6. Points can be redeemed for more gifts

Disadvantages: I haven’t seen it yet, but colleagues who use Bank of Communications credit cards generally give The evaluation is average

China Guangfa Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived after six brushes;

2. There is no handling fee for claiming overpayment;

3. It only costs 3 yuan to make a replacement statement;

4. A copy of insurance is provided;

5. There are discounts for applying for a card

Disadvantages:

1. The SMS service fee is 3 yuan;

2. The loss reporting fee is 85 yuan Yuan;

3. Few branches

Shanghai Pudong Development Bank:

Advantages:

1. No annual fee for the first year;

p>

2. No SMS service fee;

3. No loss report handling fee; 4. No overpayment recovery handling fee

Disadvantages:

1. The annual fee for the following year will be waived based on the card swiping record and repayment record;

2. The handling fee for replacing a damaged card is 80 yuan;

3. The cash withdrawal fee is high;

4. Few branches

Shenzhen Development Bank:

Advantages:

1. No annual fee for the first year;

2. Cash withdrawal fee 1;

3. Loss reporting fee 50 yuan;

4. Replacement reconciliation The single handling fee is only 2 yuan

Disadvantages:

1. Points can only be exchanged for the next annual fee. Some credit cards can only be redeemed for the next annual fee by swiping 12 times in the first year;

2. Few branches

Minsheng Bank:

Advantages:

1. No annual fee for the first year;

2. No handling fee for cash withdrawal;

3. No handling fee for overpayment and refund;

4. Airline accident insurance and discounted car on-site emergency assistance service

Disadvantages:

1. Most credit cards need to be swiped 8 times to avoid the annual fee for the next year, and some require a 160 yuan production fee;

2. SMS service fee 3 Yuan;

3. The handling fee for reporting a loss is 80 Yuan;

4. Few branches

China Everbright Bank:

Advantages:

1. Some cards waive the first-year annual fee, and swipe three times to waive the annual fee for the following year;

2...gt; gt;

China 1 ***What banks are there? Can I apply for an overdraft credit card?

Cross-regional domestic banks

Industrial and Commercial Bank of China, China Merchants Bank, Agricultural Bank of China, China Construction Bank

Bank of China, China Minsheng Bank, China Everbright Bank, CITIC Bank

Bank of Communications Industrial Bank Shanghai Pudong Development Bank People's Bank of China

Huaxia Bank Shenzhen Development Bank Guangdong Development Bank National Development Bank

Xiamen International Bank Export-Import Bank of China Agricultural Development Bank of China Bank of Beijing

Bank of Shanghai Postal Savings Bank of China

Cross-regional foreign banks

Citibank China HSBC Bank of China Standard Chartered Bank of China Hong Kong HSBC

Standard Chartered (Hong Kong) Bank of America Bank of America Bank of East Asia China website Hang Seng Bank

Overseas Chinese Bank ABN Amro Orix BNP Paribas

American Express Bank of Montreal Bank of Montreal

In addition, there are also urban commercial banks, rural cooperatives, etc.

Large banks generally accept overdraft credit cards

Which bank has the best credit card

1. Credit cards of the four major state-owned commercial banks

China Construction Bank

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it three times;

2. The SMS service is free;

3. The cash withdrawal fee is only 0.5;

4. The loss reporting fee is 50 yuan;

5. There are direct A credit card for car owners, anyone with a car with a displacement of 1.4 or above can easily apply for the card.

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

Bank of China

Advantages: 1. The annual fee is waived for the first year, and the next year is waived if you use it five times. Annual fee;

2. SMS service is free;

3. Cash withdrawal fee is only RMB 1;

4. Loss reporting fee is only RMB 40.

Disadvantages: high points required to exchange gifts, few types of gifts

Industrial and Commercial Bank of China

Advantages: 1. Free of charge for swiping American Express cards 5 times a year or spending 5,000 yuan The annual fee for the current year, or 2,000 points can be exchanged for the one-year annual fee for RMB ordinary cards;

2. There is no handling fee for cash withdrawals;

3. There is no handling fee for overpayment withdrawal;

4. It only costs 20 yuan to report a loss;

5. There are many outlets.

Disadvantages: SMS service fee is 2 yuan/month; high points are required to redeem gifts, and there are few types of gifts

Agricultural Bank of China

Advantages: 1. Free for the first year The annual fee is waived if you swipe five times;

2. Free SMS service;

3. The cash withdrawal fee is only 1;

4. Report loss The handling fee 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

2. Other commercial bank credit cards

China Merchants Bank

Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived after six brushes;

2. The SMS service is free;

3. The loss report handling fee is 60 yuan;

4. Points gifts are better.

Disadvantages: high cash withdrawal fees; fewer branches

China CITIC Bank

Advantages: 1. The first year of payment is waived if the card is swiped once within one month. If you swipe the card five times, the annual fee will be waived;

2. Free SMS service;

3. A free accident insurance policy.

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

Industrial Bank

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you use it 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 is 3 yuan; few outlets

Bank of Communications

Advantages: 1. Free of charge for the first year If you swipe the Y-POWER card three times, you will be exempted from the next year's annual fee, and if you swipe the other cards six times, you will be exempted from the next year's annual fee;

2. SMS service is free;

3. Cash withdrawal fee Only 1 is needed;

4. It costs 50 yuan to report a loss;

5. It has more branches than other non-state-owned commercial banks;

6. Gifts that can be redeemed by points More.

Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average

Shanghai Pudong Development Bank

Advantages: 1. The first year is exempted Annual fee;

2. No SMS service fee;

3. No loss report handling fee;

4. No overpayment recovery handling fee

Disadvantages: 1. The annual fee for the following year will be exempted based on the card swiping record and repayment record;

2. The handling fee for replacing a damaged card is 80 yuan;

3. The cash withdrawal fee is high;

4. There are few outlets.

Shenzhen Development Bank

Advantages: 1. No annual fee for the first year;

2. Cash withdrawal fee 1;

3. The handling fee for reporting a loss is 50 yuan;

4. The handling fee for making a replacement statement is only 2 yuan.

Disadvantages: points can only be exchanged for the next year's annual fee. Some credit cards can only be redeemed for the next year's annual fee by swiping 12 times in the first year; few outlets

Minsheng Bank

Advantages: 1. No annual fee for the first year;

2. No handling fee for cash withdrawals;

3. No handling fees for overpayment withdrawal;

4. Provide aviation accident insurance and provide discounted car on-site emergency assistance services.

Disadvantages: 1. Most of the credit cards...gt;gt;

Which bank's credit card has 62297600 in front of it?

The bank card number to be queried: 62297600 Place of ownership: -

Bank card type: Inner Mongolia Autonomous Region Rural Credit Union - Golden Bull Card - UnionPay Card

Which banks have popular versions of credit cards?

Currently ICBC has a popular version of its credit card, which has relatively low work requirements. But you can’t do it directly at an ICBC branch, because they will still ask you to provide proof of employment or financial resources such as property/car.

The solution is to go to ICBC to apply for a debit card, deposit a few thousand into it, and then open its online banking. Then go home and log in to it. After logging in, click the "Credit Card" tab. You can see that there is a credit card application function, and then you can apply online through it. In this case, you only need to fill in the information completely, and there is no need to provide ID card, proof of employment or proof of financial resources. But this is the "popular version" of ICBC. If the card is approved, the general limit is 500 yuan. Unless you add more proof of financial resources when you go to the branch to get the card, you will have to wait 3 months before trying to apply for a limit increase. This process is complicated, but currently it is relatively easy for freelancers to implement.

In addition, if there is a China Merchants Bank in your local area, you can also try to apply for their newly launched YOUNG Card Youth Edition credit card. This card is mainly aimed at young people under the age of 30 who have just graduated from college and have just entered society. The application requirements are relatively low, and it can be considered a "popular version" in a sense. You can bring your ID card to a China Merchants Bank branch to see the lobby manager and try to apply directly.

Which bank's credit card is better?

There is no absolute good or bad credit card. Whichever card you use well is good. I can introduce you to the specific advantages of each bank card. 1: Credit card annual fee: The annual credit card fee is generally 200 yuan for a gold card and 100 yuan for a regular card. After the card is issued, the annual fee will be waived for the first year, and the annual fee for the next year will be waived if you make 6 purchases in the first year. (The number of annual fee-free purchases in each bank is different, such as 6 times for China Merchants, 5 times for China Everbright, and 8 times for Minsheng. It is best to call customer service to ask. CITIC Credit Card will be exempted from annual fees only if you make one purchase within 30 days after the card is issued) 2: China Merchants Bank Service It is the best, and the card surface is also relatively beautiful. The application review speed is relatively fast, and the probability of card approval is higher than other banks. However, the number of card issuers is large, and there is no sense of superiority when using it. 3: The credit card limits of Bank of Communications and Minsheng Bank are relatively higher than those of other banks. 4: The interest rate is the same for all banks, and the daily interest rate is 0.05. However, the handling fee for withdrawing cash varies. It is generally 1 of the amount of cash withdrawal, starting from a minimum of 10 yuan. In other words, the handling fee is the same for withdrawing 100 yuan or 1,000 yuan. The same ones are all 10 yuan. The minimum cash withdrawal fee of CITIC is 30 yuan. 5 Credit cards that support online Taobao shopping include China Merchants Bank with a limit of 499 per transaction and unlimited daily limit, Everbright with a limit of 300 per transaction and daily limit of 300, Transportation with a limit of 5,000 per transaction and daily limit of 5,000 and Pudong Development Bank with a per transaction limit of 300 yuan. The limit is 500, and the daily limit is 1,000. Other banks include ICBC, China Construction Bank, and CITIC. Credit cards have a billing date and a final payment date. For example, your billing date is the 15th and your payment date is the 28th. If you spend 1,000 yuan on January 3rd, then your bill on January 15th will be 1,000 yuan, and you can pay it back on the 28th at the latest. If you are short of funds, you can pay the minimum repayment amount, which is 10% of the consumption amount. 100 is enough and will not affect your credit situation. But interest will accrue. For example, if you only repaid 100 on the 28th, then you should pay back the next payment date ((the unpaid amount of the previous period is 900 (interest 55 days * 5 cents per day)) is about 927.5. But you can still Choose the lowest repayment amount. It is recommended to use China Merchants Bank, Communications, China Everbright, and Minsheng Bank, as there are many special merchants for the event.

It is difficult to apply for a state-owned bank. I don’t recommend it because of its low credit limit. CITIC has high handling fees and it is difficult to cancel the card. I don’t recommend it. Any other questions?

I want to apply for a credit card, which bank is best?

ICBC is pretty good. There are many types of credit cards, but the most basic functions are the same. There is an interest-free period of up to 56 days and a minimum of 25 days. ICBC has two major features that I personally compare. What I like is that there is no handling fee for withdrawing cash from his credit card without using the credit limit. To put it simply, there is already a deposit on the card. There is no charge for me to withdraw cash, but other banks will charge for it; The second is that the repayment date is easy to remember. No matter what day you use the card to make overdrafts, the payment must be made before the 25th of the month following the card payment date. It is easy to remember, unlike other banks that have to look at the statement date. Yes, the annual fee will be waived if you swipe the card 5 times a year or spend more than 5,000 yuan on the card, and there are credit card points redeemable every year, and the prizes are rich in terms of redemption channels and types of prizes

Which bank is better for credit cards

Advantages and disadvantages of each bank card

The most convenient one is Guangdong Banking Bank, which does not require the submission of any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, within 15 working days, someone from the card center will contact you to check your credit, and the results will be out

The functions of Guangfa Card are relatively powerful, the points policy is very favorable, and there are many promotions. , SMS reminders are timely, online payment is relatively mature, it supports Taobao and eBay and has points, so it is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary. . . .

The one I feel is best is China Merchants Bank, which has powerful functions, many card types, high efficiency, and high-quality services. You can adjust the consumer credit limit at any time. It has powerful online banking, lifetime points system, and the latest card loss protection. plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good

If you often stay in hotels for pre-sale rights, a Bank of China card is the best choice. The acceptance rate of merchants across the country is high, but the Bank of China credit card system is still at the stage of 10 years ago. It has weak functions, poor services, and low efficiency. The repayment limit cannot be restored in time. Annual fees are rarely waived. It is recommended to wait and see. The next best thing is to have a card from the other three major state-owned banks, which is more convenient when traveling. I have never dealt with the Agricultural Bank of China and the Industrial and Commercial Bank of China. It is recommended that China Construction Bank has many branches, high application efficiency, good points system, many preferential activities, high merchant acceptance rate, password and signature consumption limits can be adjusted arbitrarily, and it is safe and free. SMS reminders are charged on a per-item basis

HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. Go and apply now

The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

CITIC has just launched the World Cup card, and there are many activities. Go check it out: it does not support online payment, and the handling fee for cash withdrawals is the highest. Points are only valid for 1-2 years and cannot be exchanged for anything. However, the interest-free period is up to 56 days, text message reminders are free, and you can check consumption details through mobile text messages

The Minsheng Card is still good, and online payment will be supported soon.

Moreover, the handling fee for cash withdrawals is free, while other banks only have 1. You can get one for emergency cash withdrawal

Shanghai Pudong Development Card: approval is fast, online banking is good, recent promotions are generous, points are valid for 2-4 years Not very good, but the points can be exchanged for something good.

China Merchants Bank, Zhaozhao leading, five-layer protection, what do you think? I strongly recommend China Merchants Bank

Which bank's credit card is easier to apply for and has a higher limit?

Nowadays credit cards are not easy to apply for. Unlike in 2008, if you just want a high limit, It is recommended that you go to the investment promotion and see if they started first in the industrial and commercial industry or small banks in other places! However, most credit cards nowadays require proof of security, such as a house, a car, etc. If you don’t have one, it’s easy to ask the company to issue a work certificate, which will be a bit higher. You can also make a long-term fixed deposit in a bank. Generally speaking, it is difficult to apply for credit cards now, such as the Agricultural Bank of China and China Construction Bank. Don't go to the garbage and ask for a guarantee! The processing time is long

Generally, the application process takes 20 days. If the application is not successful, we will tell you!

Wish you good luck