Banks are the same as people. Everyone has their own characteristics, and each bank also has its own characteristics. Of course, there are advantages and disadvantages. Below, the detective will give you a brief summary. Characteristics of credit card (debit card) business of 14 mainstream banks.

Industrial and Commercial Bank of China

There are many branches, the threshold for applying for a card is slightly higher, and the limit for applying for a card is not high. Food cards with a few thousand are the most common, but there are many effective ways to increase the limit. The amount range is also relatively large; various rates are relatively low; however, the premise is that there is a provident fund or a brick, especially the provident fund. As long as the standard is met, the amount can be easily increased to 20,000 or 300,000; and it is durable, this is also one of the four major banks* **Some features.

Agricultural Bank of China

Agricultural Bank of China has more branches, the threshold for applying for a card is not high, and the limit for applying for a card is not high, but it is difficult to get an interview. The characteristics of the card are that it has a longer interest-free period and no limit on the limit. , but if you have no assets, it is best not to exceed 100,000; various rates are relatively low, the regular gold card is easy to apply for, and the platinum card is more focused on assets and work units. Among the four major banks, card-related discounts The benefits are the most.

China Construction Bank

As one of the four major banks, China Construction Bank is second only to ICBC in terms of card issuance. The application threshold is not high, especially if you have a car. It is very easy to apply, but the limit is It is generally low, and the limit increases very slowly. It is a famous "iron cock" in the industry. It is common to use the card for several years without raising the limit. The points are not valuable, and there are not many activities, but the various rates are relatively low. .

Bank of China

People give it the nickname "Brick Bank" because it is difficult to apply for a credit card, has a low credit limit, and is difficult to raise a credit limit. It is one of the most difficult banks to raise a credit limit. It can only be mentioned once a year. If you don't mention it this year, you will have to wait another year. It is the least operable among the four major banks, but the points are relatively valuable and the preferential activities are relatively abundant among the four major banks.

The four major banks have the same characteristics: the threshold for applying for a card is generally slightly higher, the amount for applying for a card is generally not high, they all focus on assets and contributions, and at the same time they all meet the requirements of relatively low rates. , and durable.

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China Merchants Bank

It is recognized that the volume of card issuance is large and the credit limit is high; at the same time, before 2019, China Merchants Bank also increased the credit limit very rapidly, no less than Yu Guangfa was also the detective's first full-capacity card; but after several consecutive years of racing to enclose the land, the investment process began to become more chaotic, with small dark rooms and big dark rooms at every turn, and he really seemed like a different person; Therefore, starting from this year, our China Merchants Bank card must adjust its strategy when maintaining the card.

Guangfa Bank

It is jokingly called a useless bank by card friends. On the one hand, it is because the two words "Guangfa" stacked together make it a useless word; on the other hand, many card friends think that "Guangfa" is a useless bank. Cards have fast credit limits and fast credit cuts, but there are still quite a few wool cards, such as Sharp Card, DIY Card, and China Life White Card.

Ping An Bank

Ping An Bank’s card is relatively easy to get, but it is best to get Ping An within 6 cards first, because Ping An still cares about multiple banks and more As for the card, the Ping An Card has a good credit limit, a lot of money, and the limit increase is relatively stable. It is still worth holding.

CITIC Bank

CITIC Bank is one of the three famous players in the card industry. Although the threshold for applying for a card is average, the limit for applying for a card is honestly pretty good and quite high, but the follow-up It is more difficult to increase the amount, but the 9-point redemption activity is still very effective. This is how the detective’s iQiyi membership keeps coming.

Bank of Communications

As the so-called fifth largest state-owned bank, Bank of Communications is relatively easy to apply for a card, but the risk control is very strict, and the limit increase basically depends on fate. One or two There are many people who can't get the first mention of this year, but the most popular Friday is still quite discounted.

China Everbright Bank

China Everbright Card, a card that allows you to fly freely! With the Everbright Card, it is easy to apply for a card, and it can be applied for a white household. It is very easy to apply for a large-value card with the card, and the limit increase is also quite stable. Although there are a lot of calls for installments, you can just hang up and it will not affect the limit increase in the future. , and it is durable. Apart from the four major banks, this is the bank that I personally feel is the most durable.

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Minsheng Bank

Minsheng is jokingly called the people's livelihood, but in fact, the people's livelihood is really good. It is characterized by easy card withdrawal and high credit limit. Pay special attention to multiple lines of credit and liabilities, the amount can be raised quickly, and there is a high chance that it can be raised twice or three times in a row. It is just a joke that the people are having a hard time, and it is better to be happy than to think about Shu.

From applying for a card to raising the limit, there is nothing set in stone. You can only do what you want to do; the surprises given to you can make you ascend to heaven, and the sadness given to you can also turn into a river. It is simply unpredictable, so I got stuck. Friends jokingly call it "Monkey Walk"; there are platinum cards everywhere, but the limit is not guaranteed at all. Platinum cards worth 6,000 are everywhere, so it depends on your fate.

Industrial Bank is fondly called "Xing Ye" by card friends. This nickname is not only homophonic, but also includes card friends' love for Industrial Bank. Industrial Bank has several main features: it is quick to issue cards, and it takes seconds. Approval or rejection in seconds will definitely not torture you; the limit can be increased quickly, a card with 30,000 yuan can basically reach 100,000 yuan in a year. With Industrial Card, the first payment is very important, and it is best to use an offline company that Xingye cooperates with. As a high-quality merchant, you will also be defaulted as a high-quality customer by the system.

The former Hua Jie was known as a cash-out card, which meant that there was no risk control and you could play casually; but no one expected that in 2019, it would be Hua Jie who was the first person to lower the credit card limit in 2019. It started with large-scale continuous reductions. Although the reduction is not too big, it is basically two to three thousand a month. However, it cannot withstand the continuous reductions and has not raised the quota all year round. It is best to use the Hua Xia Card to increase the quota. A good way is to use a curve, or use funds outside the limit, such as quick loans, because funds outside the limit are very likely to be converted into a fixed limit on a credit card (debit card) after you pay it off. But the rates are quite high, seriously consider it.