The credit cards with the best reputation in China are: Huaxia, CITIC, China Merchants, Ping An, and Bank of Communications.

1. Huaxia

Huaxia Bank officially issued Huaxia Credit Card on June 18, 2007. Hua Xia Bank's first series of credit cards are divided into three types: ordinary card, gold card and titanium card. In terms of product function design, Hua Xia Credit Card has launched a number of innovative functions and services;

In terms of credit card limit and repayment period , interest-free policies and other aspects are innovative. The issuance of Hua Xia Credit Card is a major progress in the strategic cooperation between Hua Xia Bank and Deutsche Bank. It also marks Hua Xia Bank's first entry into the Chinese credit card market.

2. CITIC

On December 8, 2003, CITIC Bank Credit Card Center officially issued CITIC Credit Card. As of the end of October 2006, the cumulative number of cards issued had reached nearly 2 million, ranking It ranks at the forefront of the domestic banking industry, among which CITIC Platinum Credit Card ranks first in the country in terms of card issuance volume, and has initially established its position and brand image in the Chinese credit card market.

3. China Merchants Bank

China Merchants Bank Credit Card Customer Service Center was named "China's Best Call Center of the Year" as early as 2004 at the China Call Center Operation and Customer Relationship Management Conference , is the only award-winning unit in the domestic financial industry. In 2002, China Merchants Bank realized integrated and professional credit card services.

4. Ping An

Ping An Bank Credit Card is the first credit business launched after the merger of Shenzhen Commercial Bank and Ping An Bank and was renamed Shenzhen Ping An Bank. In addition to the credit consumption of credit cards, In addition to basic functions such as cash advance, it also has many special functions, providing cardholders with comprehensive security protection covering "safety in consumption, safety at home, and safety in travel".

5. Bank of Communications

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 for life and career" , have pursuits, know how to enjoy, and are more willing to struggle, and 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 and willing to try new consumption habits. "Bringing together the dual advantages of global and local, with the theme of "Chinese's Global Card", it advocates a new consumer culture and card experience, and provides preferential treatment and considerate services all over the world.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit card levels are mainly divided into regular card, gold card, titanium card, platinum card, diamond card and black card. The ranking order is regular card

The rights and interests of cards at each level are as follows:

1. Regular card:

Those who are applying for a credit card for the first time or have poor financial strength can apply for a regular card first. There is basically no annual fee, or it can be waived after a few swipes, and the limit is average. Below 10,000 yuan.

2. Gold Card:

Most of the Gold Card cards are gold-colored, and the approval is relatively stricter than the regular card. The discounts you enjoy should be better, and the limit is generally 10,000. If it reaches 50,000, the annual fee may be waived.

3. Titanium Card:

The level of Titanium Card is between Gold Card and Platinum Card. The limit is a little higher than that of Gold Card, usually around 30,000 to 60,000. Basically The benefits are similar to those of a gold card.

4. Platinum Card:

Platinum Card mainly serves high-end users. Its approval is strict and the personal annual income is at least 200,000 yuan. The special services of the Platinum Card are mainly reflected in golf, airport VIP, free physical examination, mileage redemption, emergency support services, etc. The services are high-end enough so there is no way to save on the annual fee, which can range from a few thousand to a few hundred.

5. Diamond Card:

Diamond Card is a higher level than Platinum Card. It has higher requirements on the status of the card holder and can only be applied for by successful people. The diamond card limit is very high, usually around one million yuan, and the application requires the cardholder to have an income of more than one million yuan.

6. Black card:

Black card allows unlimited overdraft, no limit, no annual fee, does not accept applications, and is generally issued by invitation.