ICBC: The security tools are U shield and electronic password card. Payment through online banking requires one of two choices, and payment by mobile banking requires electronics. The credit card threshold is relatively high, and there are many online stores, leading the national banking industry. The overall experience is 4 points (out of 5 points, the following only compares the experience of online banking, mobile banking, debit cards and credit cards).
China Construction Bank: The security tools are e-Pass and electronic password card. Generally speaking, the business is ok, the credit card points are not affordable, the application threshold is not high, and online banking and mobile banking are generally used. For example, online banking has to log in again after E-Pass escort. At the same time, many netizens on the Internet report that the CCB website always crashes when paying through Alipay, and mobile banking is also general. Except for high-end credit cards, the overall experience is 2 points.
Bank of China: First of all, I used to be the customer service of Bank of China, but I was never partial to Bank of China. Bank of China generally promoted the security tool as Bank of China Order E, which is a dynamic password device. If you want to make transactions through online banking or mobile banking, you have to carry it with you. However, mobile banking has perfect software that can pay fees, transfer money, stock trading, etc., which is very easy to use and can pay water charges. At present, there are not many online banks that can pay water charges, and the credit card threshold is high, but now it is available. For example, you can get points when you open a card, and you will be exempted from using online banking fees for 3 years. It is worth mentioning that the points of BOC are super affordable, and you will know that the overall experience is 4 points.
Agricultural Bank: I used the first online banking other than BOC, but it was useless to understand it completely. Alas, it was really puzzling, and there were many problems. I really didn't want to say more. I remember that there were many credit card types, and the overall experience was 2 points.
Bank of Communications: Safe. It's the best mobile banking I've ever used. It seems that the points can only be used for cash (online shopping mall). I don't know whether it is now or not. It's the first in China to withdraw money without a card and spend without a card. Although it's not the big four banks, it's definitely ahead in bank cards. All transactions only need to rely on the mobile phone verification code. The application threshold is not high, and there are many activities. The overall experience is 5 points.
China Merchants Bank: the first bank in China to do online banking. I admit that the service is good. However, the use of mobile banking and online banking for credit cards is not very comfortable, especially for payment. You have to enter a bunch of data to apply before you can pay. The whole process takes about 4 minutes, and the words of Bank of Communications are less than 1 point. The steps are too cumbersome, the points are not affordable, the threshold is not high, and there are many activities. Let's introduce these three points for the overall experience. I have also used postal services, Pudong Development and Guangfa, so I can't tell them all. You want to know. I'll tell you in detail, I hope it will help you. If you don't understand, you can ask me
Question 2: Which bank is better for credit cards? The basic functions of China Merchants Bank's credit cards are the same, such as credit card spending and online payment. Our bank will launch different preferential and promotional activities for different credit cards from time to time. Because your personal preferences are different, I suggest you choose according to your own preferences. If you need to know the details of the credit cards currently launched by our bank, please log on to the credit card website.
Question 3: Which bank is the best credit card? One or four major state-owned commercial banks credit card
China Construction Bank
Advantages: 1. Free of annual fee for the first year, and free of annual fee for the next year after three swipes;
2. SMS service is free;
3. The cash withdrawal fee is only .5%;
4. 5 yuan for loss reporting;
5. There is a credit card directly aimed at car owners, as long as there are cars with a displacement of more than 1.4, it can be easily handled.
Disadvantages: the gifts that can be exchanged for points are few and poor
China Bank
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes;
2. SMS service is free;
3. The cash withdrawal fee is only 1%;
4. The loss reporting fee is only in 4 yuan.
Disadvantages: the points required for gift exchange are high, and the types of gifts are few
Advantages of ICBC
1. The American Express card is swiped 5 times a year, or the annual fee of the current year is exempted when spending 5, yuan, or the annual fee of RMB ordinary card is exchanged for 2, points;
2. Cash withdrawal fee is free;
3. The overpayment will be recovered free of charge;
4. Only 2 yuan is needed to report the loss;
5. There are many outlets.
Disadvantages: SMS service fee is 2 yuan/month; The points required to exchange gifts are high, and the types of gifts are few
Advantages of Agricultural Bank
1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes;
2. SMS service is free;
3. The cash withdrawal fee is only 1%;
4. The loss reporting fee is only in 5 yuan;
5. There are many outlets.
Disadvantages: there are few types of credit cards; The card processing procedures are relatively cumbersome; Less points can be exchanged for gifts
2. Credit cards of other commercial banks
China Merchants Bank
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after swiping for six times;
2. SMS service is free;
3. 6 yuan for loss reporting;
4, integral gifts are better.
Disadvantages: the cash withdrawal fee is 3%; There are fewer outlets
CITIC Bank
Advantages: 1. One swipe within one month after card issuance is free of the annual fee for the first year, and five swipes are free of the annual fee for the next year;
2. SMS service is free;
3. Send an accident insurance.
Disadvantages: the cash withdrawal fee is 3%; Less outlets; The loss reporting fee is high in 8 yuan; There are many gifts, but the required points are higher
Industrial Bank
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year if you spend 3, yuan for five times;
2. Only 5 yuan is needed to report the loss.
Disadvantages: SMS service fee is 3 yuan/month; The cash withdrawal fee is 3%; Less outlets
Bank of Communications
Advantages: 1. Free of the annual fee for the first year, free of the annual fee for the next year for the Y-POWER card for three times, and free of the annual fee for other cards for six times;
2. SMS service is free;
3. The cash withdrawal fee is only 1%;
4. 5 yuan is required to report the loss;
5. There are more outlets than other non-state-owned commercial banks;
6. There are many gifts that can be redeemed for points.
Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use the Bank of Communications credit card is general
Shanghai Pudong Development Bank
Advantages: 1. Free of annual fee for the first year;
2. Free SMS service fee;
3. No loss reporting fee;
4. Get back the handling fee without overpayment
Disadvantages: 1. Whether to exempt the annual fee in the following year is determined according to the credit card record and repayment record;
2. The card replacement fee for damaged cards is high, which requires 8 yuan;
3. The cash withdrawal fee is 3%;
4. There are few outlets.
Shenzhen Development Bank
Advantages: 1. No annual fee for the first year;
2. Cash withdrawal fee is 1%;
3. 5 yuan for loss reporting;
4. The handling fee for making up the statement only needs 2 yuan.
Disadvantages: Only points can be exchanged for the annual fee of the following year, and some credit cards can only be exchanged for the annual fee of the following year after being swiped 12 times in the first year; Less outlets
Minsheng Bank
Advantages: 1. No annual fee for the first year;
2. Free of cash withdrawal fee;
3. Get back the handling fee without overpayment;
4. Send aviation accident insurance and provide on-site emergency assistance service for preferential cars.
Disadvantages: 1. Most letters ... > >
Question 4: Which bank is better for handling credit cards? Advantages and disadvantages of each bank card
The most convenient way is to issue it widely without submitting any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully on the Internet, the people in the card center will contact you for credit information within 15 working days, and the result will come out.
Guangfa Card has powerful functions, very favorable points policy, many preferential activities, timely SMS reminders, mature online payment, support for Taobao eBay and points, which is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan per month. Credit card merchants are not as popular as the four major banks, and online banking is very simple. . . .
What I feel best is China Merchants Bank, which has powerful functions, many types of cards, high efficiency and excellent service, and can adjust the consumer credit limit at any time. The online banking is powerful, and the points are lifelong, as well as the latest card loss protection plan. The disadvantage is that the integral policy is too tight. The SMS reminder function is not very good
If you often stay in hotels for pre-sale rights, BOC card is the best choice. The acceptance rate of merchants in China is high, but the Bank of China's credit card system is still at the stage of 1 years ago, with weak functions, poor service and low efficiency. The repayment amount cannot be restored in time, and the annual fee is rarely waived. It is recommended to wait and see with the application. The next best thing is that the other three state-owned banks must have one card, which is more convenient to go out. I have never done ABC or ICBC. It is suggested that CCB has many outlets, high application efficiency, good points system, many preferential activities, high acceptance rate of merchants, arbitrary adjustment of password+signature consumption limit, safety and freedom. SMS reminder is charged according to the article
HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. Go and apply
The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card pass rate is relatively low.
CITIC has just launched the World Cup card, and there are many activities. Let's have a look: online payment is not supported, and the handling fee for withdrawing cash is the highest. Points are only valid for 1-2 years, and nothing can be exchanged. However, the interest-free period is up to 56 days, SMS reminders are free, and the consumption details can be checked by SMS
Minsheng Card is still good, and online payment can be supported soon. Moreover, the handling fee for cash withdrawal is free for peers, only 1% for other banks. It can be used as an emergency cash withdrawal
Shanghai Pudong Development Bank Card: the approval is faster, the online banking is good, the recent preferential activities are generous, and the validity period of points is not very good for 2-4 years, but the things that can be exchanged for points are good
China Merchants Bank, which has a leading position in recruiting and five-fold protection, what do you think? I strongly recommend China Merchants Bank
Question 5: Which bank is the best to run a credit card? The functions of credit cards in various banks are similar, but they are subdivided in various types. If you have no special needs only for daily consumption (for example, many guilds and airlines launch joint airline credit cards, so it is convenient to buy air tickets for travel. There are also some other special cards. If the consumption habits are in China, it is recommended to use China Merchants Bank's credit card. On the one hand, their service is not bad, and on the other hand, they have launched more activities and more cooperative businesses. If you are a high-end consumer or often spend money abroad, it is recommended to apply for a credit card from Bank of China, because their overseas settlement is convenient and fast. These are just personal thoughts, you can refer to them!
Question 6: Which bank is better to apply for a credit card now? What are the advantages and disadvantages? Construction Bank:
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after three swipes; 2. SMS service is free; 3. The cash withdrawal fee is only .5%; 4. 5 yuan for loss reporting fee; 5. There is a credit card directly for car owners. As long as there are cars with a displacement of more than 1.4, you can easily apply for a card.
Disadvantages: the gifts that can be exchanged for points are few and poor
Bank of China:
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes; 2. SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The handling fee for reporting the loss is only in 4 yuan
Disadvantages: the points required for exchanging gifts are high, and the types of gifts are few
Industrial and Commercial Bank of China:
Advantages: 1. The American Express card is swiped 5 times a year, or the annual fee of the current year is exempted if you spend 5, yuan, or the annual fee of RMB ordinary card is exchanged for 2, points; 2. Cash withdrawal fee is free; 3. The overpayment will be recovered free of charge; 4. Only 2 yuan is needed to report the loss; 5. There are many outlets < P > Disadvantages: 1. SMS service fee is 2 yuan/month; 2. The points required to exchange gifts are high, and the types of gifts are few
Agricultural Bank of China:
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes; 2. SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The loss reporting fee is only in 5 yuan; 5. There are many outlets < P > Disadvantages: 1. There are few types of credit cards; 2. The card processing procedures are relatively cumbersome; 3. Less convertible gifts
China Merchants Bank:
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after six swipes; 2. SMS service is free; 3. 6 yuan for loss reporting fee; 4, the integral gift is better < P > Disadvantages: 1, the cash withdrawal fee is 3%; 2. There are fewer outlets
CITIC Bank:
Advantages: 1. The annual fee for the first year is exempted once within one month after the card is issued, and the annual fee for the next year is exempted for five times; 2. SMS service is free; 3. Sending accident insurance has one disadvantage: 1. The cash withdrawal fee is 3%; 2. Less outlets; 3. The loss reporting fee is high in 8 yuan; 4. There are many gifts, but the required points are higher < P > Industrial Bank: < P > Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year if you spend 3, yuan for five times; 2. 5 yuan is required to report the loss
Disadvantages: 1. SMS service fee is 3 yuan/month; 2. The cash withdrawal fee is 3%; 3. Less outlets < P > Bank of Communications: Advantages: 1. Free of the annual fee for the first year, free of the annual fee for the next year for the Y-POWER card for three times, and free of the annual fee for other cards for six times; 2. SMS service is free; 3, the cash withdrawal fee is only 1%; 4. 5 yuan is required to report the loss; 5. There are more outlets than other non-state-owned commercial banks; 6. There are many gifts that can be redeemed by points
Disadvantages: I haven't seen them yet, but the overall evaluation given by colleagues who use the Bank of Communications credit card is general
Guangfa Bank:
Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after swiping for six times; 2. The overpayment will be recovered free of charge; 3. Only 3 yuan is needed to make up the statement; 4. Send an insurance copy; 5. There is a discount for handling the card < P > Disadvantages: 1. The SMS service fee needs 3 yuan; 2. The loss reporting fee is high in 85 yuan; 3. Less outlets < P > Shanghai Pudong Development Bank: < P > Advantages: 1. Free of annual fee for the first year; 2. Free SMS service fee; 3. No loss reporting fee; 4. Get back the handling fee without overpayment < P > Disadvantages: 1. Whether to exempt the annual fee in the following year is determined according to the credit card record and repayment record; 2. The handling fee for card replacement is high in 8 yuan; 3. The cash withdrawal fee is 3%; 4. Less outlets < P > Shenzhen Development Bank: < P > Advantages: 1. Free of annual fee for the first year; 2. Cash withdrawal fee is 1%;