1. Bank of Communications credit card, the threshold for card approval is very low, you only need to provide your ID card and your work certificate (that is, work permit, badge, or income certificate stamped with the official seal of the unit, or even the original business card and a copy of the pass card of the institution)
The overdraft limit is general, not very high, of course, the information you provide is more comprehensive. And the amount of proof that you own real estate and car products will be much higher.
The interest-free period of Bank of Communications is 56 days.
The points are one yuan, which is easy to accumulate, and there is no point for cash withdrawal.
The handling fee for cash withdrawal is 1%, and the minimum 1 yuan is 1% for each transaction, which means that you will receive 1 yuan for cash withdrawal of 1, and 1 yuan for cash withdrawal of 1.
Besides YONG-POWER card, You can apply for installment repayment for a single purchase of more than 1,5 yuan
There is no free SMS reminder function for transactions, and the monthly transaction reminder SMS service in 3 yuan
2. The credit card approval requirements of Minsheng Bank are higher than those of Bank of Communications, and you who are not from this city are not allowed to approve cards at present. Some people who discriminate against rural household registration
The overdraft limit is slightly higher than that of other banks
The longest interest-free period for consumption is 5 days
There is no handling fee for withdrawing cash at the local teller machine of Minsheng Bank
The billing date and repayment date of Minsheng Bank can be set by itself, and the points can be redeemed at the upper-middle level
3. The credit card of China Merchants Bank is the first brand of credit cards in China. Card circulation is second only to ICBC
The overdraft limit is relatively higher than that of Bank of Communications, but lower than that of Minsheng Bank and China Everbright Bank. Of course, this mainly depends on your property and income.
The longest interest-free period for consumption is 5 days.
The minimum cash withdrawal fee is 1%, which is the same as the credit card withdrawal fee of Bank of Communications.
The online mall is relatively good and the installment repayment is convenient. According to the current credit card ownership, I have always been particularly satisfied with the customer service of China Merchants Bank's credit card, and the credit card has a good reputation
4. Everbright Bank's credit card has a low threshold for card approval, but my Everbright Credit Card has not asked me for work certificate and property certificate
The overdraft limit is very high, which is basically higher than any other bank
The longest interest-free period for consumption is 5 days
The handling fee for withdrawal is 1%, and the minimum 3 yuan for each transaction. For all other banks, the lowest cash withdrawal fee is
automatic installment function. After opening the automatic installment function, every time you swipe your card, no matter how much you swipe your card, it will be automatically divided into 12 installments, which is more human.
Free SMS reminder function, and every transaction will be automatically sent to your mobile phone without any charge.
I heard that the customer service of Everbright Credit Card is not good, but now it is relatively perfect. At least, I didn't get through to the customer service phone. Repayment can be made directly at Lakala convenience outlets, and the credit card approval threshold of four major state-owned banks is relatively high, and the service is relatively poor. However, ICBC has the largest credit card issuance in China, and sent me five credit cards directly, but of course I didn't activate any of them. I heard that the credit card of China Construction Bank is also acceptable; The credit card quota of state-owned banks will not be too high, because they have abundant funds and do not pay much attention to credit card business
In addition, I don't handle credit cards of CITIC Bank anyway, and the handling fee for cash withdrawal is the lowest in 3 yuan, and the handling fee for cash withdrawal of all other banks is the highest. The credit cards approved by Pudong Development Bank and Guangfa Bank are mainly for high-income people, and there are relatively few outlets, and I am not familiar with other features.
I hope it will help you.