Which bank’s credit card is better?

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

1. "China Merchants Bank Credit Card": suitable for friends who value service more than points. This credit card not only has many types of cards and beautiful designs, but also has a low application threshold, points are permanently valid, and repayment is convenient. However, this credit card earns one point for 20 yuan, not counting zero. The points policy is very inhumane, and the interest-free period is 18 days. The shortest of all card issuers. You can call customer service hotline: 800-820-5555, 95555 for detailed inquiries.

2. "Bank of Communications Credit Card": suitable for friends who often buy home appliances ("Suning Card" can enjoy double Suning points). The credit card application threshold is low, the limit is increased quickly, and it has a 56-day long interest-free period. You can withdraw cash 100% using the YP card. However, the installment operation of this credit card is cumbersome, the points are not permanently valid, and the total consumption of all cards will not be automatically calculated. Separate repayments are required. You can call customer service hotline: 800-988-8888, 95559 for detailed inquiries.

3. "ICBC Credit Card": It is suitable for friends who do not have joint-stock commercial banks in the local area and who often like to overdraft and withdraw cash. This credit card is currently the bank with the most branches in China. It has unlimited limits and no handling fees for local cash withdrawals. International cards of different brands have independent limits. However, not only is the application threshold high, but the service attitude of the branch is extremely poor, and there is no 800 number. The 400 pages are not open to individual users. You can call customer service hotline: 95588 for detailed inquiries.

4. "China Construction Bank Credit Card": suitable for friends who do not have a local joint-stock commercial bank. Compared with the other three state-owned banks, this credit card has a lower application threshold and supports minimum repayment for overdraft cash withdrawals. However, the credit card limit is generally low and the limit increase is slow. The total consumption of the card is not automatically calculated and needs to be repaid separately. You can call customer service hotline: 800-820-0588 for detailed inquiries.

5. "Bank of China Credit Card": applicable to Olympic card collection. This credit card is the earliest credit card issuer in China. Points can be calculated for overdraft cash withdrawals. However, you have to go to a business outlet to cancel your account. Alipay is not supported. 800 is only for Great Wall International cards. Minimum repayment is not supported for overdraft cash withdrawals. You can call the customer service hotline: 400-669-5566, 800-820-5288 (international card), 95566 for detailed inquiries.

Notes on selection:

1. Choose the right card issuer

The first step in choosing a credit card is to choose the right credit card issuer. Some credit card issuers There are many promotions, and it is easy to apply for and issue credit cards. Some credit card issuers do the exact opposite.

2. It is more convenient to apply for a card cancellation

It is best to apply for a credit card issuing bank that has a credit card branch in the city where your usual residence address is, so that applying for a credit card and handling a credit card are easier. convenient. Otherwise, it is easy to apply for a credit card, but it will be more troublesome to cancel the credit card.

Which bank is better for applying for a credit card

Each bank’s credit card has its own characteristics:

1. Ping An Bank: First compare the thresholds for applying for a credit card The bank with the lowest score is Ping An Bank. The reason why Ping An Bank can approve many credit cards that other banks cannot is because Ping An’s big data is relatively powerful. In addition, Ping An Bank’s credit cards often have larger credit limits than other banks’ credit cards, so it is better for other banks. If your bank application for a credit card has not been approved or if you want to get more credit lines, you can try to apply for a Ping An Bank credit card;

2. Bank of Communications: One feature of Bank of Communications’ credit card is that it offers great benefits The credit limit granted is relatively high, but the risk control of Bank of Communications is very strict and it is difficult to apply for it;

3. China Merchants Bank: A major feature of China Merchants Bank’s credit cards is that there are many activities and the activities last for a long time. For example, half-price on Wednesdays, the annual Ten-Yuan Storm, irregular cash withdrawals and points bonuses, and other activities.

You don’t need to brush points every day. You can just participate in activities and brush points when there are events.

In addition, the credit card application rate is relatively high now. Credit cards that are more suitable for novices include China Merchants Bank’s Young Card, CITIC’s i Platinum, GF’s DIY Card, Bank of Communications’ Wal-Mart Card, etc.