Which bank credit card is better?
Agricultural Bank of China Credit Card, Industrial and Commercial Bank of China 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 reputations.
1. Agricultural Bank of China Credit Card:
Agricultural Bank of China Credit Card takes innovation as its main line and successively launches standard series cards, official business card series, platinum cards and various regional cards according to different customer groups. A series of products such as co-branded cards and specialty cards meet the needs of different customer groups.
In addition to providing a series of thoughtful features such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of losing the card, timely SMS notification, consumption password selection, emergency assistance, and multiple repayment methods. Serve. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.
2. ICBC Credit Card:
ICBC Credit Card is the credit card with the highest circulation in China. The main types of ICBC Credit Card include: 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 grade, it is divided into: platinum card, gold card and ordinary card; according to the issuing object, it is divided into business card and personal card, among which Personal cards are divided into primary cards and secondary 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 positioned as a group of people who are interested in life and career. Ideals, pursuits, know how to enjoy, and are more willing to struggle. Sometimes there are people who want to study, do business, research or travel abroad.
Bank of Communications Credit Card is 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 HSBC's advanced technology and management. It brings together the dual advantages of global and local, takes the Chinese global card as its theme, and advocates a new consumer culture and card-using experience. , providing preferential treatment and considerate services all over the world.
4. China Construction Bank Credit Card:
China Construction Bank Longka Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and Convenient payment experience. There are more than 100 credit card products in multiple series such as Dragon Card Family Love Card, Global Popular Card, Tencent Game Card, etc.;
Meet customers’ various consumption needs such as domestic and overseas transactions, family care, and installment financing. Special offers such as Dragon Card Saturdays, cash rebates for overseas purchases, and a variety of installment products help customers manage finances easily and consume smartly.
5. Shanghai Pudong Development Bank Credit Card:
Pudong Development Bank Credit Card is a standard dual-currency Visa credit card issued by Shanghai Pudong Development Bank. It enjoys a variety of discounts and can even apply for a photo card for free. Pufa Meng Card allows consumers to choose products and rights. Customers customize cards according to their needs, including selecting card material, card surface pattern, exclusive rights, and card organization. The bank then makes a credit card based on the customized information.
Which bank has the best credit card?
China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China have good credit cards. There are a lot of card holders, so they are popular among credit card users. They have many discounts, professional services, quick credit limit increases, and points. The following introduces the characteristics of these bank credit cards:
1. China Merchants Bank
The country's first permanent points validity system, international 24-hour road rescue service, etc. have gradually become domestic credit cards Industry service standards. In terms of product and service innovation, China Merchants Bank Credit Card has created more than a hundred new products and services, adheres to the promotion of cross-industry cooperation model, and has 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 card has a preset credit limit in accordance with international standards. Spend first and repay later. No pre-deposit is required. The credit limit can be used for overdraft consumption and cash withdrawal transactions.
At the same time, Guangfa Bank Credit Card has issued a commercial card. This kind of commercial card can be applied in some large consumption places, hotels, etc., and will enjoy certain preferential quotas in some hotel services and reservation services. .
3. China Construction Bank
China Construction Bank Long Card Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centered concept and provides customers with professional financial services and convenient Payment experience.
4. Industrial and Commercial Bank of China
ICBC takes an unusual approach in credit card approval. It does not use the data of the credit center. The approval is based on its own system star standards. If you have a debit card at ICBC, you may The chances of your card application being approved will be much greater. But if you don’t have an ICBC savings card, it will be difficult to apply for the card and raise the limit. There is no handling fee for cash withdrawals, the amount can be withdrawn quickly, the interest-free period is up to 56 days, and no interest will be charged on the part that has been repaid when the repayment is not in full.
Disadvantages: The credit limit is low, the discounts are not strong, and the points are small. You need to download the app to accept credit card information, otherwise you have to pay to subscribe to text message reminders.
5. Agricultural Bank of China
In addition to providing temporary limit increase at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely SMS notification, consumption password selection, emergency Assistance, multiple repayment methods and a series of considerate services. Combining the advantages of outlets throughout urban and rural areas, network advantages and product advantages to form powerful functional advantages.
Extended information:
Key points for applying for a credit card:
Purpose, application threshold, benefits, limit currency, installment interest, interest-free period, etc. Think about it comprehensively and finally choose a credit card that suits you.
Benefits enjoyed
Credit card rights are directly related to your actual interests. Common rights include free cash withdrawal fees, free transaction fees, high aviation accident insurance, and free annual fees. etc. In addition to these basic rights and interests, it also depends on the number of local preferential activities and whether the points are valuable
Applying a local bank
Cards with many local activities: There are a lot of factors involved in applying for a credit card The reason is to enjoy the activity. Cards with many local banks will naturally have more activities. So be sure not to apply for a credit card from a local bank, otherwise you will basically miss out on the event.
Points Value
To determine the value of credit card points, you only need to compare the goods and services that the points can be redeemed for. For example, if you often travel by plane and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming airline miles and hotel stays, but each card may redeem different airlines and hotels, so as long as the points can be redeemed The services you need to use frequently are the ones with the highest points value.