Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit card are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
What is the best credit card for China Construction Bank?
There are many types of CCB credit cards, and the following three are better:
1, CCB with Longka.
2. CCB Barbie Beautiful Credit Card.
3. CCB Longka Global Payment Credit Card.
Annual fee collection standard: main card 160 yuan/card, auxiliary card 80 yuan/card. If you swipe your card more than three times a year, you can waive the annual fee. The maximum extraction ratio is 30%, and the extraction fee is 0.5% of the extraction amount. The lowest in 2 yuan, with an interest-free period of 20-50 days.
The difference between credit cards of China Construction Bank: ordinary card, gold card and platinum card;
1, the annual fee is different.
Annual fee of CCB Credit Card Ordinary Card 80 yuan; Gold card annual fee 160 yuan; The annual fee of platinum card is about 400-3000 yuan.
2. Different quotas
The credit card of CCB is between 1000- 10000 yuan; The gold card amount is between 10000-50000 yuan; The amount of a platinum card is usually between 500,000 yuan and 6,543.8+0,000 yuan, and the authorized amount of a small platinum card may be between 20,000 yuan and 30,000 yuan.
3. Enjoy different rights and interests
Gold card of China Construction Bank can enjoy higher discount than Puka in preferential merchants. However, platinum cards can usually enjoy high-end services such as golf, SPA, physical therapy, airport transfer and VIP lounge provided by banks.
Basic functions:
1. Credit consumption: consumption before repayment, no need to deposit in advance.
2. One card and two currencies: it has a dual account of RMB and USD, which can be used at home and abroad. Domestic transactions are credited to RMB account, and overseas transactions are credited to USD account (single currency credit cards do not have this function).
3. Password optional: The function of "domestic consumption password optional" is the first in China, which can be flexibly selected according to personal card habits. (A small amount can be password-free, and a large amount can be password-free).
4. Easy repayment: monthly statement is provided, and the repayment methods are flexible and diverse: telephone purchase repayment, outlet repayment, ATM self-service repayment, CDM self-service repayment, agreed account repayment and online banking repayment.
5. Specially invited merchants: specially selected national merchants, with many preferential discounts.
6. Report the loss by telephone: If the card is lost, you can report the loss by telephone, and the bank will provide guarantee after the loss report takes effect, without any financial risk.
7. Disputed payment: If the customer disputes any consumption payment, it should be verified before payment.
8. Overseas rescue: overseas card loss, providing emergency card replacement and emergency cash withdrawal services.
9. Free hotline service: set up a 24-hour service hotline.
10, if the consumption exceeds 1000 yuan, you can apply for interest-free installment payment, and only need to pay a small handling fee.
1 1, SMS reminder: free SMS reminder when spending money in 500 yuan.
12. If you spend one yuan, you will get points, which are permanent and valid, and the points will be doubled irregularly.
13, the annual fee is free in the first year, and the annual fee is free for swiping the card three times in the second year (except the car card).
14. Credit card points under the same customer name can be combined (except Volkswagen Card and China Eastern Airlines Card).
15, swipe your card at the designated ticket office to buy air tickets, and the gold card will send 1 10,000, and the Puka will send 500,000 aviation accident insurance. High security will be accompanied by warmth and pleasure all the way.
Note: Gold card and general card are basic cards, and there are many kinds of cards according to different cooperative businesses or institutions. Please call CCB customer service for details.
What is the best credit card for CCB's conscience card?
China Construction Bank, as one of the four state-owned banks, is relatively generous in credit card approval, and has introduced many card types that are close to the people. Judging from the development trend in recent years, CCB even has the momentum to surpass ICBC, which is known as the "largest bank in the universe". Then, as the most competitive bank in China market, what kind of credit card is the most suitable for CCB to apply for? Here are two.
Best application 1: longka JOY credit card.
Longka Joy Credit Card is an exclusive credit card product issued by China Construction Bank for young customers under the age of 35, which can meet the diverse needs of young customers. The application conditions are very simple, as long as you are 18 years old and can provide proof of work and return the student card for the student group.
The minimum repayment amount of this card for the first time is 5%, and the minimum repayment amount is not less than 200 yuan RMB or US$ 50, which effectively relieves the repayment pressure of young customers. Through the "hot purchase" logo on the back of the card, the cardholder can also enjoy the discounts of thousands of merchants in China, such as clothing, food, entertainment, transportation and shopping; 3 yuan can enjoy instant messaging service every month, and domestic and overseas stolen transactions can enjoy a maximum compensation of 50,000 yuan.
Best application 2: Crocodile Dragon Changxing Dragon Card.
This credit card signed jointly with E Long Travel Network not only has the credit card function of CCB Dragon Card, but also is a membership card of E Long. Therefore, when China Construction Bank examines the qualification of users to apply for a card, there are of course some factors that "look at the Buddha rather than the monk". Of course, if you can prove that you often travel or travel in the application materials, then the issuing bank is even more embarrassed to embarrass its "prospective customers".
Call the VIP hotline in E Long at 400-666-2222 to book international and domestic air tickets, nearly 7,000 hotels in nearly 400 cities in China and more than 80,000 star-rated hotels in overseas 100 countries and regions at preferential prices. Book the air ticket through E Long Travel Network, and pay in full with the alligator Changxing Dragon Card. The gold card will receive 1 10,000 yuan, and the Puka will receive 500,000 yuan of aviation accident insurance, as well as flight delay insurance. When booking for the first time, gold cardholders can get an extra 2000 E Long points and ordinary cardholders can get an extra 1000 E Long points.
Here is a brief introduction of CCB credit card.