Which bank has the lowest interest rate for credit card loans

Take the following banks as examples for credit card loans:

1. Whether the credit card installment interest rate of Agricultural Bank of China is 3 , 6 and 9 periods or 12 and 24 periods, both are 0.6%.

2. China Construction Bank’s credit card installment rates are: 0.75% for 3rd period, 0.7% for 6th period, 0.6% for 12th and 18th period, and 0.62% for 24th period.

3. Bank of China’s credit card installment rates are: 1.95% for 3rd period, 3.6% for 6th period, 5.4% for 9th period, 7.2% for 12th period, 11.70% for 18th period, and 15.00% for 24th period.

4. ICBC’s credit card installment interest rates: 0.55% for 3rd period, 0.6% for 6th period, 0.6% for 9th period, 0.6% for 12th period, 0.65% for 18th period, and 0.65% for 24th period.

5. The installment rate of Pudong Development Credit Card is: 0.72% for 3 installments, 0.7% for 6 installments, and 0.66% for 12 installments (charged every month).

6. Guangfa Credit Card installment rate: 0.65% for 6th and 12th periods, 0.7% for 18th period, and 0.72% for 24th period (charged every month).

Which bank has the lowest credit card loan, please refer to the bank’s latest updated interest rate.

What is a credit card?

Credit card (English: creditcard) is also called a credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is generally a special carrier plastic card with consumer credit that is 85.60 mm long, 53.98 mm wide, and 1 mm thick. It is issued by the bank to individuals and organizations, and can be used to shop, consume, and deposit and withdraw cash from the bank. It is in the form of a card with the name of the issuing bank, validity period, number, cardholder name, etc. printed on the front and a magnetic card on the back. strip, signature strip.

Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the billing date (English: billing date).

On April 15, 2016, the central bank issued the "Notice of the People's Bank of China on Matters Related to Credit Card Business", canceling late payment fees on credit cards, introducing liquidated damages, and prohibiting over-limit fees. The new regulations were implemented in January 2017 It will be officially implemented on the 1st.

The debit card is an ordinary savings card. The account attribute is a current deposit account, which can be used for consumption, ATM deposits and withdrawals, etc.; the credit card can be used for consumption, ATM deposits and withdrawals, etc. The biggest advantage is that it can Overdraft (with a certain credit limit)

Generally, bank cards are divided into two types: credit cards and debit cards.

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the card-issuing bank gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit first and repay later. A quasi-credit card refers to a credit card in which the cardholder first deposits a certain amount of reserve fund as required by the bank. When the reserve fund is insufficient to pay, the cardholder can overdraw within the credit limit specified by the card-issuing bank.

Debit cards are divided into transfer cards, special cards and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring money, depositing and withdrawing cash, and spending money. A special card is a debit card used in a specific area and for special purposes (referring to purposes other than department stores, restaurants, and entertainment industries). It has the functions of transferring funds, depositing and withdrawing cash. A stored-value card is a prepaid wallet-style debit card in which the bank transfers funds to the card for storage at the request of the cardholder and directly deducts funds from the card during transactions.

What are the banks with high credit card application limits and low interest rates?

The credit card application limit is high and the interest is low. Which bank is easier to apply for a credit card for the first time?

Which credit card is easy to apply for online, and which banks are quick to apply for a credit card online:

It is best to apply for a credit card from a bank with a high credit limit:

1. Meituan Co-branded Credit Card

Meituan Co-branded Credit Card is a standard credit card product issued by Meituan in conjunction with banks from various places around the rights and interests of various life consumption scenarios of "eating, drinking and having fun". It combines Meituan's big data and intelligent models Combined with the bank’s accumulated experience and advantages in capital, full-process risks, etc., it can reach the real needs of users through “online and offline” consumption scenarios, and provide characteristic and differentiated services of “local customers, local life, local finance” financial services.

The limit of Meituan co-branded credit card is generally 1,000-50,000 yuan, and the maximum limit is 50,000 yuan. (Click to apply online)

Card holders can enjoy the "early adopter privilege" rights of the Meituan platform. The points spent by swiping the card can be automatically converted into Meituan pocket money and used as cash on the platform every day at the standard of 10 yuan/1 pocket money. Within 90 days of card issuance, Meituan will receive an immediate discount of RMB 6 for the first payment made each day.

2. Bohai Bank Credit Card

The Bohai Bank Self-Travel Platinum Card is relatively easy to get approved. The Freedom Card is a travel-themed credit card launched by Bohai Bank. Classic platinum card products mainly customized for those who pursue the ultimate cultural, sports and food experience. After applying for the card, the review result will be available within 30 minutes. If the review is passed, you will receive a text message reminder.

Bohai Bank’s credit card limit: Bohai Bank’s regular card limit is 1,000-10,000, gold card limit is 10,000-50,000, and platinum card limit is more than 50,000. (Click to apply online)

3. Shanghai Pudong Development Bank Credit Card

The Shanghai Pudong Development Bank Credit Card is pretty good. Pudong Development 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.

1. Ordinary card level. The initial limit range of Shanghai Pudong Development Bank's credit card general card level is generally between 1,000 yuan and 10,000 yuan. (Click to apply online)

2. Gold card level. The initial limit of the gold card of Shanghai Pudong Development Bank Credit Card will be relatively high, generally between 10,000 yuan and 50,000 yuan.

3. Platinum card level. The initial limit of Shanghai Pudong Development Bank's platinum credit card is generally more than 50,000 yuan.

4. High-end platinum card level. High-end Platinum Card, commonly known as Da Platinum. The initial limit of Pudong Development Bank’s high-end Platinum Credit Card is generally more than 100,000 yuan, with a maximum of no more than 500,000 yuan.

If you want to apply for a credit card, which bank has a credit card with a high limit, low interest rate and is easy to apply for? I hope experienced experts can give detailed answers, thank you. .

Which bank has a higher credit card limit, lower interest rate and is easier to handle

1. China Merchants Bank

As a commercial bank, China Merchants Bank’s credit card limits will also be slightly higher. . In the credit card industry, China Merchants Bank’s credit cards have a reputation for high credit limits and fast card issuance. Among the many credit card products of China Merchants Bank, YOUNG card is one of the most suitable cards for contemporary young people to apply for.

Young card has a low application threshold, a limit of more than 10,000 yuan, many activities and benefits, making it very suitable for young people who have just started working.

2. Industrial Bank

The credit limit of Industrial Bank's regular card is generally between 3,000-10,000 yuan, and the credit limit of gold card is generally between 10,000-50,000 yuan. If you are applying for a card for the first time, you will most likely only be able to apply for a regular card. If you are a user who already holds a credit card and applies for a card at Industrial Bank, you will most likely be able to successfully apply for a gold card.

3. Everbright Bank

According to the official website of China Everbright Bank, the limit of the regular card of Everbright Bank is generally around 10,000 yuan, and the limit of the gold card is generally between 10,000 and 50,000 yuan. . For most cardholders, China Everbright Bank’s credit card limit is already high and can meet their daily shopping needs.

Among the credit cards under Everbright Bank, the Everbright Hot Blood Big Brown Bear Credit Card has a higher credit limit. The annual fee is waived in the first year, and the annual fee for the following year is waived if you make 3 purchases or a single purchase of more than 2,000 yuan. And the card's cash advance limit is 50% of the credit limit, and there is an interest-free period of more than 20 days.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, and China CITIC Bank. If you need it, you can apply by yourself!

Credit card application for China Merchants Bank and Ping An Bank

Credit card application for China Everbright Bank and China CITIC Bank

Credit card application for Agricultural Bank of China and Minsheng Bank

I I want to apply for a credit card, which bank has the lowest interest rate?

If it is a China Merchants Bank credit card, revolving interest is charged when you use revolving credit to repay or use cash advance.

If you repay all the consumption payments in full before the due date of the current bill cycle, you can enjoy the interest-free period by swiping your card for consumption, and no recurring interest will accrue; if you do not repay all the current bills on time, it will be regarded as With revolving credit, interest will be accrued on all purchases in the current period (usually the day after consumption), with a daily interest rate of 0.05% until you pay it off in full. If you use the cash advance function, the cash advance portion will not enjoy the interest-free period. Interest will be accrued from the day you withdraw the cash, with a daily interest rate of 0.5%, and compound interest will be calculated monthly until you pay it off.

This concludes the introduction to credit cards with low interest rates and credit cards with low interest rates. Have you found the information you need?