which bank's credit card is the most worth having?

which bank's credit card is the most worth having

Generally speaking, it is more appropriate for us to hold up to 6 credit cards. You can handle credit cards of various banks according to your own consumption needs.

1. Credit cards of the four major banks

The approval of credit cards of the four major banks is more urgent and strict than that of other banks, so we can apply for credit cards of the four major banks first, and then apply for credit cards of other banks. The reason for handling credit cards of the four major banks is very simple, that is, the four major banks have the widest outlets, and most of our business is handled through the four major banks in daily life. Therefore, handling credit cards of the four major banks can avoid the problem of cross-bank processing in subsequent business, which is more convenient. It is also more advantageous for subsequent bank loans.

ICBC credit card, China bank credit card, China Construction Bank credit card, Agricultural Bank credit card and Bank of Communications credit card.

The introduction is as follows:

1. China Bank Credit Card

China Bank Credit Card is an international standard credit card, with one card and two coins, which is universal all over the world. No need to prepay. You can spend easily at home and abroad with your card within the limit and enjoy an interest-free loan for up to 5 days. China Bank's overseas branches are located in 2 countries and regions around the world.

China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence documents and financial documents.

2. ICBC Credit Card

China ICBC Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business cards and personal cards, and personal cards are divided into main cards and auxiliary cards.

3. CCB Credit Card

CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "long cards", including prestigious cards, business cards and automobile cards.

2. China Merchants Bank Credit Card

China Merchants Bank has also become the "first bank in the universe", because China Merchants Bank has the largest market value and the widest network, and its services are getting better and better. In addition, China Merchants Bank also cooperates with a number of offline shops, and the use of China Merchants Bank's credit card can get certain consumption concessions, so the cost performance of China Merchants Bank's credit card is still very high.

conclusion: the use of credit cards pays more attention to quality than quantity, so it is more appropriate for us to control the number of credit cards within 6. Now all credit cards in different banks have their own advantages, so you can handle them selectively according to your own needs.

here 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, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!

China Merchants Bank and Ping An Bank apply for credit cards

China Everbright Bank and China CITIC Bank apply for credit cards

Agricultural Bank and Minsheng Bank apply for credit cards

Which bank is better?

China merchants bank, China guangfa bank, China construction bank, industrial and commercial bank and these banks have good credit cards. There are a large number of card holders, which are welcomed by credit card users. They are all with many discounts, professional service, quick withdrawal and points. The following are the characteristics of these bank credit cards:

1. China Merchants Bank

The first nationwide credit card system and international 24-hour road rescue service have gradually become the service standards of the domestic credit card industry. In terms of product and service innovation, China Merchants Bank has created more than 1 new products and services with credit cards, persisted in promoting cross-industry cooperation mode, and successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption.

2. Guangfa Bank

Guangfa Bank Credit Card is the first standard credit card in China. The credit line of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

At the same time, Guangfa Bank issued a business card with credit card, which can be used in some large consumption places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.

3. Construction Bank

China Construction Bank Longka Credit Card is a credit card brand with 9 million customers. It adheres to the customer-centric concept and provides customers with professional financial services and convenient payment experience.

4. ICBC

ICBC's credit card approval does not follow the usual path, and it does not use the data of the credit center. The approval is based on its own system star standard. If you have a savings card in ICBC, the chances of applying for a card will be much greater. However, if there is no ICBC savings card, it is more difficult to apply for the card and withdraw the amount. There is no handling fee for cash withdrawal, the withdrawal is quick, the interest-free period is up to 56 days, and interest is not charged for the part that has been repaid when it is not fully repaid.

Disadvantages: the credit card is low, the discount is not strong, and the points are small. You can only accept credit card information when you download the app, otherwise you will have to pay for SMS reminders.

Extended information:

Key points of applying for a credit card:

Take comprehensive consideration of the use, application threshold, rights and interests, amount currency, installment interest and interest-free period, and finally choose a credit card that suits you.

Enjoy the benefits

Credit card benefits are directly related to your actual interests. Common benefits include free handling fee for cash withdrawal, free transaction fee, high aviation accident insurance, free annual fee and so on. In addition to these basic rights and interests, it depends on the number of local preferential activities and the value of points.

Run a local bank

Cards with many local activities: A large part of the reason for running a credit card is to enjoy the activities. The more cards there are in local banks, the more activities there are. So don't get a credit card without a local bank, otherwise it's basically equivalent to missing the event.

which bank has the best and safest credit card?

ICBC is the safest and best of the five major banks:

1. From the perspective of the total assets of the five major banks:

ICBC's assets are 26.8 trillion yuan; The construction bank is only 22.12 trillion yuan; The Agricultural Bank has only 21.5 trillion yuan; China Bank 19.46 trillion yuan; Bank of Communications 9.3 trillion yuan. From the total assets, we can see that ICBC has the highest assets, which means that it has the strongest ability to resist risks, which further shows that ICBC is the safest.

In terms of user experience:

Industrial and Commercial Bank of China, China Merchants Bank and Agricultural Bank are relatively quick to apply for personal accounts, and they are also relatively easy to understand, while China Construction Bank and Minsheng Bank are a little more complicated.

From the perspective of financial management,

is the largest bank in China at present. This bank is a professional bank separated from the People's Bank of China while the People's Bank of China is specialized in exercising the functions of the central bank. It is worth mentioning that on the day of listing, ICBC set a record for the largest single-day turnover of the Hong Kong Stock Exchange, reaching HK$ 37.4 billion, which broke the turnover of HSBC Holdings when it entered the market in 1998 and was higher than that when the bank went public in the same year.

profitability:

ICBC's net profit was 286.49 billion yuan; The net profit of CCB is 242.264 billion yuan; The net profit of Agricultural Bank was 192.962 billion yuan; The bank's net profit was 172.47 billion yuan; The net profit of Bank of Communications was 7.223 billion yuan. From the perspective of net profit, ICBC has the strongest profitability. Being profitable means having intrinsic value, and having intrinsic value is the best.

ICBC credit card, bank credit card, China Construction Bank credit card, Agricultural Bank credit card and Bank of Communications credit card

are introduced as follows:

1. China Bank Credit Card

Bank credit card is an international standard credit card, with one card and two currencies, which is universal in the world. No need to prepay. You can spend easily at home and abroad with your card within the limit and enjoy an interest-free loan for up to 5 days. China Bank's overseas branches are located in 2 countries and regions around the world.

a bank credit card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the Application Form for Bank Credit Card, and attach copies of identity documents, permanent residence documents and financial documents.

2. ICBC credit card

ICBC credit card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; According to the brand of ICBC credit card.

divided into: Peony Visa Card, Peony MasterCard and Peony Express Card; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business cards and personal cards, and personal cards are divided into main cards and auxiliary cards.

3. CCB credit card

CCB credit card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "long cards", including prestigious cards, business cards and car cards.

4. Bank of Communications Credit Card

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to fight for their lives and careers."

sometimes some people need to study, do business, do research or travel abroad.

Bank of Communications credit cards are also a group of people with high living standards, and they are willing to try new consumption habits. " Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications on the basis of introducing advanced technology and management from HSBC.

it combines global and local advantages, takes "global card" as its main purpose, advocates new consumer culture and card experience, and provides preferential and caring services on a global scale.

5. Agricultural Bank Credit Card

Jinsui Credit Card is based on creating a new life experience for cardholders and is committed to becoming the most trusted credit card brand for cardholders. With innovation as the main line, Jinsui Credit Card has successively launched a series of products such as standard cards, business cards, platinum cards, various regional co-branded cards and special cards according to different customer groups, leading the needs of different customer groups.

which bank's credit card is better

The better credit cards are China Merchants Bank Credit Card, Bank of Communications Credit Card, China Industrial and Commercial Bank Credit Card, China Construction Bank Credit Card and China Bank Credit Card.

1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many kinds of cards and beautiful designs, but also has low application threshold, permanent and effective points and convenient repayment. However, the credit card has a 2 yuan of one point, regardless of zero, and the points policy is very inhuman, with an interest-free period of 18 days, which is the shortest among all card issuers. You can call customer service at 8-82-5555 and 95555 for detailed inquiry.

2. "Bank of Communications Credit Card": suitable for friends who often buy household appliances (Suning Card can enjoy double Suning points). The credit card has a low application threshold, fast withdrawal, and an ultra-long interest-free period of 56 days. You can withdraw 1% with YP card, but the credit card is cumbersome to operate in stages, and the points are not permanently valid. It will not automatically count the total consumption of all cards, so you need to repay them separately. You can call customer service at 8-988-8888 and 95559 for detailed inquiry.

3. "China Industrial and Commercial Bank Credit Card": it is suitable for friends who have no local joint-stock commercial banks and often like to withdraw cash by overdraft. At present, this credit card is the bank with the largest number of outlets in China, which can be unlimited, and there is no handling fee for withdrawing cash locally. Different brands of international cards have independent quotas. However, this credit card not only has a high application threshold, but also has a poor service attitude of branches. There are no 8 telephones, and 4 pages are not open to individual users. You can call customer service at 95588 for detailed inquiry.

4. "China Construction Bank Credit Card": it is suitable for friends who do not have joint-stock commercial banks locally. Compared with the other three state-owned banks, this credit card has a lower application threshold, and the minimum repayment is supported by overdraft withdrawal. However, the credit card is generally low in amount and slow in withdrawal, so it will not automatically count the total consumption of all the cards and needs to be repaid separately. You can call customer service at 8-82-588 for detailed inquiry.

5. "China Bank Credit Card": It is applicable to the collection of Olympic cards. This credit card is the earliest credit card issuer in China, and it can be counted as points for overdraft withdrawal. However, the account cancellation of this credit card has to go to the business outlets, and Alipay is not supported. Only 8 credit cards are used for Great Wall International, and overdraft withdrawal does not support the minimum repayment. You can call customer service telephone numbers: 4-669-5566, 8-82-5288 (international card) and 95566 for detailed inquiry.

Note on selection:

1. Choose a suitable card issuer

The first step in credit card selection is to choose a suitable card issuer. Some credit card issuers have many preferential activities, so it is easy to apply for a credit card and issue a card. And some credit card issuers are just the opposite.

2. It's more convenient to apply for card cancellation

For the credit card issuing bank, it's better to have a credit card outlet in the city where you often live, so it's more convenient to apply for and apply for a credit card. Otherwise, it is easy to apply for a credit card, and it is more troublesome to cancel it.

which bank has a good credit card?

agricultural bank credit card, industrial and commercial bank credit card, bank of communications credit card, China construction bank credit card and Shanghai Pudong development bank credit card are all credit cards with good reputation.

1. Credit card of Agricultural Bank:

Agricultural credit card takes innovation as the main line, and according to different customer groups, it has successively launched a series of products such as standard series cards, business cards, platinum cards, various regional co-branded cards and special cards, leading the needs of different customer groups.

In addition to providing a series of intimate services such as raising the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, prompt notification by SMS, choice of consumption password, emergency assistance and various repayment methods. Combine the advantages of outlets, networks and products all over urban and rural areas to form a powerful functional advantage.

2. ICBC credit card:

ICBC credit card is the most widely distributed credit card in China. The main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; According to the brand of ICBC credit card, it is divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the issuing object, it is divided into business cards and personal cards, in which personal cards are divided into main cards and auxiliary cards.

3. Bank of Communications Credit Card:

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its users are a group of people who have ideals and pursuits in life and career, know how to enjoy themselves, are more willing to struggle, and sometimes have the need to study, do business, investigate or travel abroad.

Bank of Communications credit cards are also a group of people who have a high standard of living and are willing to try new consumption habits. Pacific Credit Card of Bank of Communications is a credit card product created by Bank of Communications with the introduction of advanced technology and management from HSBC. It combines the advantages of both the global and the local, advocates a brand-new consumption culture and card experience with the theme of China people's global card, and provides preferential treatment and intimate service all over the world.

4. China Construction Bank Credit Card:

China Construction Bank Longka Credit Card is a credit card brand with 9 million customers. It adheres to the customer-centric concept and provides customers with special services.