Bank of China Credit Card is a dual-currency credit card issued by Bank of China, which conforms to international standards and is universal. It has the functions of circulating credit, such as first consumption and then repayment, interest-free repayment period and minimum repayment amount. , and can trade with special merchants connected with VISA, MASTERCARD, China UnionPay and ATMs at home and abroad. You can learn about it through China Bank official website ()-Bank Card-Credit Card products.
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Why does everyone say that the credit card of Bank of Communications is not easy to use?
Haha, it seems that everyone is a black guy of Bank of Communications ~ Many people have Bank of Communications credit cards, but few people like them. Generally speaking, there are the following points:
1, easy to get off the card-too "fraternity"
Compared with the other four state-owned banks, Bank of Communications, though distinguished, is indeed the most "omnipotent". Do many white people think it is not good to take off their cards easily? The key is that Bank of Communications is really too easy, even easier to get a card than many commercial banks.
Bank of Communications announced a stable job and paid 3 yuan continuously; College degree or above; Have a bank of communications savings card; Meet one of these three conditions, you can apply for a bank of communications credit card.
We all know that there is no perfect credit card (easy to handle, high quota, simple to withdraw cash, low risk control ...), and it is good to meet one, while the Bank of Communications card only meets the characteristics of easy to handle.
2, long ugly!
Generally, banks do activities or cooperate with other companies and supermarkets to make credit cards look better, but Bank of Communications cards are not. What impressed me the most was the card jointly launched by Bank of Communications and Lotus Supermarket in Yichu, which was directly a huge tomato with a white background: awkward capitalization! ! !
It is difficult to increase the amount.
Although it is easy to apply for a bank card, the amount is generally low. Many people's bank cards have been used for five or six years, and they still maintain the habit of spending more and swiping cards frequently, which is still several thousand yuan.
4. Strict risk control
The risk control of Bank of Communications is very strict, especially during the Chinese New Year. Because it is easy to get rid of the card, the bank will start to understand Lao Lai at the end of the year in order to keep the cardholder active. Moreover, once the cardholder does not pay attention to the wholesale, black++and cash-out POS machines, it is easy to be exploited by the wind, and it is also possible to reduce the amount and seal the card.
5. The service is average
In the past two years, with the complaints and feedback from users, Bank of Communications has greatly optimized consumer information notification. Before, there was no free SMS to inform account changes, not even WeChat.
You can bind WeChat now. However, SMS Level 4 worry-free service needs 4 yuan every month.
Having said so many shortcomings, I actually have a credit card of Bank of Communications. After all, Bank of Communications is an established bank with many outlets and good offline services, but online services, especially SMS, risk control and withdrawal, do have a lot of room for improvement.
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I used to be a credit card holder of Bank of Communications. Tell me about my personal experience.
1, low limit
Bank of Communications Card is the second credit card I used (the first card was China Merchants Bank Card, which was also cancelled). After more than three years of use, the credit limit of the new card is only 17000. At this time, Ping An's credit card gave me a limit of 45,000. )
2. It is difficult to increase the amount.
After changing the new card, I applied for increasing the quota several times, and the reply I got was "the comprehensive score was not enough" and was rejected. I still didn't get the answer after consulting the human service, and I felt a little arrogant.
I guess it's because I didn't make much money by stages.
3. Less concessions
In the past, it was very cheap to buy movie tickets with Bank of Communications credit card, but the coverage was not wide, the choice of cinemas was limited, and the time was specified (I forgot what day it was), and then the activity was gone.
As for other offers, I don't think I've seen them.
Let's talk about the experience of people around me using traffic credit cards. The first credit card is low, especially for white families. Most of the credit cards for male white households are in the range of 2000-5000, and most of the credit cards for female white households are in the range of 5000-8000, which is rare. Bank of Communications pays attention to academic qualifications. When applying online, if you don't have other credit cards or even academic qualifications, your job information will be added no matter how good it is. The second bank credit card charges 2 1 yuan service fee every three months, which seems to be SMS service fee and asset insurance fee. Unless you call to cancel, it is turned on by default. The third quantity is more difficult. Some people have used it for years, thousands of years. When calling customer service to apply for a quota, they always say that the comprehensive score is not enough and the++control is too strict. It is always a single large consumption, and it will be closed several times in a row. If you don't apply for installment, you will face card reduction.
In short, Bank of Communications is more realistic. See your qualifications and property are good, and the amount given to you is relatively high. In a few months, there will be a considerable loan for you. Once you find that your card is abnormal, or the repayment date is a few days late, it will be reduced and the card will be sealed immediately. To tell the truth, the test and audit system of Bank of Communications is really second to none. Credit cards and loans are generally approved in seconds, or refused in seconds. Big data is still quite powerful, no matter which bank it is. If you think you are the boss or have a car or a house, you can definitely apply for a large credit card. This is not necessarily true. Some credit cards will give you thousands of dollars. If you are angry, you can't wait to break up. Others will give you tens of thousands of dollars as soon as they go to work. This is beyond our control. Making good use of credit cards is a fortune. If you don't make good use of them, they are poison. Eat as much as you can.
Last Saturday, I applied to cancel the credit card of Bank of Communications through telephone banking. I have used it for 9 years. Tell me how I feel.
1. It was difficult to repay in previous years, and there were too few branches of Bank of Communications. 12- 13 repayment is not as convenient as it is now, and it really collapses every time I find an outlet to repay! It is very convenient to use Alipay and WeChat now. Deduct 2 1 yuan per month, with 9 yuan credit guarantee. 12 yuan has no worries about using the card? What! You take the money, I have a credit guarantee? I use your card and you charge me?
2. It is difficult to withdraw the amount. It took me nine years to change my card twice. The repayment has been very stable. Now the quota is only 9000. A few years ago, there was a temporary quota, which was about 1000 or 1500. I forgot. These two years have been very stable and there are no temporary places. Of course, I won't ask for too high a quota. After all, I won't spend it all, and it's not my own money that I spend on a higher amount. You have to pay it back sooner or later.
In recent six months, the number of business trips has increased, and it is often necessary to buy tickets and book rooms with credit cards. Usually, there is no discount for swiping cards, and the points are particularly cheap. You can only change a box of socks after 10 thousand. I have a joint card of CCB and China Eastern Airlines, and a joint card of CITIC and China Eastern Airlines. Compared with the credit line, the Bank of Communications credit card is particularly tasteless.
I used to work in Bank of Communications, so I can talk to you for a while:
1. The credit card clearance of Bank of Communications is not a big problem, but the quota review is very strict. Many people may have applied for a bank card very early. At this time, your income will be low. Even if you have a regular job, it's no problem to collect credit. Bank of Communications card may be issued to you, but the amount will be very low, maybe only 2000-5000.
2. If your original information is incomplete and the Bank of Communications determines that your income and property certificates are insufficient, there will be a customer service call asking you to supplement your income or residence certificate, such as the real estate license or your salary. Many people don't want to make up these cards at this time, and the Bank of Communications system will determine that your qualifications are insufficient, and the credit card limit is 2000. . .
3. Also, if you get a card at Bank of Communications, but your income has not improved significantly, the Bank of Communications system records it. For example, your monthly salary is 5000, and you have no house or car. Although you have a Bank of Communications card, you have never used it overdue, and the amount is only 1 10,000. You want to apply for another one. But the Bank of Communications system will distinguish between your income and your current total. Maybe your second card will have no limit or it won't work. Even if it is done, the limit will be 2000.
4. The favorite customers of Bank of Communications Credit Card are civil servants with stable jobs and stable income sources.
I have the most say in this, and the quota is 38,000. When you cash out, it will always ask you to do staging, and after you do OK, nothing will happen. I'm sorry if you don't do it. Paying back the money before you spend it means that your card has been cancelled. There was no reminder, no discussion, and no reduction in the quota. Please come to the counter to get cash with your ID card in a month. That's awesome! The most ridiculous thing is that it will always notify you by SMS, because you have good credit and can apply for a Bank of Communications credit card. That's a real pity.
I applied for the Bank of Communications credit card before, and then said that I had too many credit cards and the accumulated limit was too high, and then I was rejected.
I have multiple credit cards, with a high cumulative limit and no overdue records. Doesn't that prove that I am a quality customer? However, Bank of Communications obviously does not want such customers. Bank of Communications favors small white households who apply for credit cards for the first time.
I think it's ok. I use the Wal-Mart card of Bank of Communications, and there are activities in supermarkets and gas stations. Every year, there is a Super Friday activity in the supermarket, and you can buy 200 MINUS 100, which is very cost-effective. I think it is particularly good that the annual points can be converted into cash to offset the consumption of supermarkets. My other bank card points are basically useless, and there is no point in changing gifts. Might as well cash it. As for the quota, I think it's ok. Sometimes when I find myself in a different place, I will be reminded that if I brush a lot, I will be given a temporary quota, and I will also be given a quota during the Chinese New Year holiday. Buying a high-speed rail ticket or booking a hotel will also give me a temporary quota, which I think is quite intimate. Anyway, my credit card has been used for more than ten years, which is quite good.
The Bank of Communications credit card is very popular, and the probability that it is not easy to use is risk control, or the limit is reduced and the card is stopped.
In fact, the Bank of Communications credit card is still very competitive. For example, a Wal-Mart card can exchange100000 points for 950 credit cards a year (in the past, 200000 points were exchanged for 1900 credit cards, which was limited to100000 a year due to the emergence of a large number of wool gangs). This is just a card discount. You can calculate the cost of100000 points, and you will know how strong this is. You can also get gifts in combination with weekly traffic activities.
How about 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 company's official seal, or even the original business card and a copy of the agency's pass). The overdraft limit is not very high. Of course, the information you provide is more comprehensive, and the amount of proof that you own real estate and automobile products will be greatly improved. The interest-free period of Bank of Communications is relatively long, which is 56 days. Except for the perpetual power card, you can apply for installment repayment for a single consumption of 1 0,500 or more. There is no free SMS reminder function for transactions, and the monthly SMS reminder service for transactions in 3 yuan.
Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."
Bank of Communications credit cards are also a group of people with high living standards who are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product created by Bank of Communications by introducing advanced technology and management from HSBC. It brings together the advantages of global and local countries, advocates a brand-new consumer culture and card experience with the theme of "China Global Card", and provides preferential and thoughtful services around the world.
This card captures the dual advantages of Bank of Communications and HSBC: Bank of Communications has more than 2,600 branches in more than 30 cities across the country; And the confidential banking network system of HSBC, the second largest financial institution in the world, make this "China people's global card" shine and bring a unique card experience. The cooperation between the two banks has also set an example for China's banking industry to develop international cooperation.
Small credit cards, on the other hand, perfectly blend Chinese and western cultures. The cards of the Golden Card and the Puka are painted with Phoenix and koi fish, which symbolize honor and good luck in the traditional culture of the earth and China respectively. With the meaning of "the carp spirit in Yuelongmen, and the phoenix dance for nine days", the China cultural characteristics and the global service of HSBC are fully integrated into a small card, and the "China people's global card" is accurately interpreted.
Bank of communications credit card is not afraid of difficulties and is determined to innovate. It has been committed to providing better service to cardholders and creating a better life, and making unremitting efforts to help more China people enjoy world-class courtesy more easily.
On 20021April 18, Bank of Communications announced Ebo as the global spokesperson of the brand through the official Weibo.
Is the Bank of Communications credit card successful?
Bank of communications credit card is particularly easy to handle, the only drawback is that the amount should not be too high.
At present, the credit cards of Bank of Communications include Youth Card, Standard Card and Co-branded Card. Each card has different application conditions. If you meet the application conditions, it is relatively easy to apply for a card.
As long as the following conditions are met, users can easily apply for a credit card from Bank of Communications:
1. The applicant is at least 18 years old and has full capacity for civil conduct;
2. The applicant has a legal and stable job and income;
3. The applicant has the ability and willingness to repay the arrears;
4. The applicant has a fixed residence in the place where the applicant bank is located;
5. The applicant's personal credit information is in good condition and there is no bad record;
6. The applicant meets the additional conditions stipulated by the Bank of Communications.
Extended data;
1, Youth Card:
If you want to apply for a youth card, you need to have a college degree or above recognized by the State Education Commission. After being hired by your company, you have been working continuously for at least 6 months and have passed the probation period. Your age is between 18-30. You only need your ID card to apply. You can handle it at the counter or direct sales. Generally, the credit limit of this card is 5000, and the withdrawal amount is consistent with the credit limit, which is more cost-effective for young people.
2, standard card:
This card requires that you must be at least 18 years old, but not over 65 years old. Your annual salary is at least 24,000, and you must submit a copy of your ID card, income certificate and residence certificate when applying.
3. Co-branded card:
At present, Bank of Communications has launched N kinds of co-branded cards, such as Suning Card, Wal-Mart Card, Jinjiang Star Card and Aviation Secretary Card. , and also launched their own co-branded cards for different regions. Generally, this kind of card can be handled in direct stores or stores like Suning and Wal-Mart. The information submitted is generally ID card and income or work certificate.
4 Bank of Communications credit card application conditions are divided into two categories: primary card and secondary card, and the required conditions are different.
(1) Applicants must be between the ages of 18 and 60 to apply for a new or additional card, and applicants must be between the ages of 18 and 35 to apply for a youth card; Require the applicant to have full capacity for civil conduct; Have a stable job and income source, and be able to repay the loan on time; Require personal credit information to be in good condition.
(2) To apply for a supplementary card, the cardholder of the supplementary card must be 16 years old, and the cardholder of the main card must be a parent, child, spouse or other immediate family member. Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user orientation is "a group of people who have ideals and pursuits for life and career, know how to enjoy, are more willing to struggle, and sometimes have the needs of studying abroad, doing business, studying abroad or traveling abroad."
This is the last credit card of Bank of Communications, and it is also the most cost-effective credit card of Bank of Communications. I wonder if you found the information you need from it?