Here are the most deceptive places for credit cards of major banks. Which bank have you been deceived by?

If you ask about the benefits of credit cards, anyone who has ever used a credit card will tell you that they are ugly. However, what are the pitfalls of credit cards from major banks? I believe everyone can put aside all the confusion and realize that these pitfalls mentioned are also pitfalls!

However, I think the following are the most pitfalls of credit cards from major banks.

1. CITIC Bank’s installment fees are the worst.

If we take 50,000 yuan divided into 24 installments as an example, compared with other banks, CITIC Bank’s handling fees can be more than 3,600 yuan higher than those of savings banks. In this comparison, China CITIC Bank can be said to have the worst installment handling fees among credit card handling fees.

2. Ping An Bank’s loss reporting fee is the worst.

We all know that if we apply for a new credit card after it is lost, many banks will charge a certain fee. However, the handling fees charged by some banks are still relatively small, only about 40 to 60 yuan at most. However, Ping An Bank is much higher than other banks. Their loss reporting fee can be as high as 75 yuan.

3. China Merchants Bank’s points are the worst.

Many people use credit cards because they want to earn points from the bank. In this regard, the point rule of most banks is basically 1 point for 1 yuan, but China Merchants Bank uniquely requires 20 yuan to exchange for 1 point. This is not an ordinary trap.

However, there is no time limit for the points of China Merchants Bank to be used. As long as you do not cancel your account, you can continue to accumulate them. This can be considered as neutralizing its shortcomings.

Fourth, Minsheng Bank’s annual fee exemption is the worst.

Everyone who has used a credit card knows a lot about the bank’s annual fee exemption rules. You have to pay a certain number of times before the annual fee can be waived. Most banks have annual fee exemption regulations. Basically, you can waive the annual fee if you swipe your card 3-6 times.

However, this is not the case with Minsheng Bank’s credit cards. Their credit cards must be swiped at least 8 times before the annual fee can be waived. Therefore, relatively speaking, Minsheng Bank’s credit card annual fee-free rule is the most confusing.

5. Ping An Bank and Citibank have the worst cash withdrawal fees.

Everyone knows that it is not cost-effective to withdraw cash by credit card. Because withdrawing cash from a credit card is equivalent to applying for a personal loan directly from the bank, and the handling fee is not low. Usually, the general handling fee is around 1%-3%.

However, the credit card cash withdrawal fees and term rates of Ping An Bank and Citibank range from 2% to 3%. Moreover, the minimum handling fee for each cash withdrawal is 25-30 yuan, which can be said to be the highest among all banks’ credit card cash withdrawal handling fees.

6. The handling fees from Ping An Bank are the worst.

What should I do if I lose my credit card? If you still want to use it, of course you have to go to the bank to get a replacement card. However, if you report the loss first when re-applying, many banks will not charge additional credit card replacement fees, because the loss reporting fee is already included in the loss reporting fee when you report the loss.

However, Ping An Bank is different. In addition to the 50 yuan loss reporting fee for their credit card, there is also an additional 30 yuan card upgrade fee, which can be said to be quite a scam!

How about it? After reading the above small financial review of the most pitfalls of major bank credit cards, do you think it is right?

The China Construction Bank credit card is too bad, it’s just rubbish? I suggest you don’t use it, as money will be deducted randomly

Many friends have asked which bank’s credit card is easier to apply for, I’m afraid I have to To answer you, you have to choose from commercial banks. The four major state-owned banks will be relatively more difficult. But if you insist on falling in love with the four major state-owned banks, it is recommended that you choose a credit card among them that is easier to apply for, so that the probability of applying for the card will be greater. Let’s take a look at the specific ones.

1. Industrial and Commercial Bank of China: Universe Constellation Credit Card

ICBC’s Universe Constellation Card is relatively easy to apply for, and it is also the main credit card recommended by Industrial and Commercial Bank of China. The appearance and benefits are both online. The key point is that the annual fee is waived during the validity period, which is awesome!

In terms of benefits, as long as new customers make a single purchase, they can receive a one-month VIP membership on Youku or iQiyi, giving them the benefits of being a drama-watching expert. In addition, there are discounts on overseas portable wifi, hotels, and airport parking.

2. Bank of China: Taobao Credit Card

The threshold of Bank of China is actually not too difficult, and the threshold is not very high. You can apply by providing proof of identity and residence. If you are an expert in online shopping, it is easy to apply for this BOC Taobao Card. The annual fee for the first year is waived when you purchase the card, and the annual fee for the following year is waived when you spend 5 times of any amount.

3. Agricultural Bank of China: Beautiful Upgraded Mom Credit Card

This Agricultural Bank of China’s Beautiful Upgraded Mom Credit Card is also easier to apply for. Both gold and platinum cards can waive annual fees based on the number of card swipes. The visa platinum card is also free of annual fees during its validity period.

You can apply for a free trial course of Disney English. There is a 1,200 discount for purchasing the course, an instant discount of 60 for purchases over 350 at Kidswant, and random instant discounts for purchases over 300 at Donkey Mama on Saturdays.

4. China Construction Bank: The most popular card in the world

This card from China Construction Bank is also relatively easy to apply for, and it is mainly more suitable for overseas travel, shopping, etc. Gold and Platinum cards are free of annual fees based on the number of card swipes. Visa and MasterCard cards are free of annual fees during their validity period.

Overseas wifi, discounted air tickets and hotels, cash rebates for overseas purchases, etc. are very suitable for overseas consumption or overseas shopping. It is called CCB’s “magic card”.

This is the introduction to the easy-to-apply credit cards from the four major banks. I hope it will be helpful to you. It is recommended that everyone prepare sufficient information before applying for a card, as well as proof of assets, etc. It can be of great help!

Is Bank of China’s Taobao Campus Credit Card a scam? ! ! !

Bank of China has jointly issued campus co-branded cards with Peking University, Fudan University and many other schools. The annual fee policies and usage scope of different products are not completely consistent. It is recommended that you call the customer service hotline for further consultation.

The above content is for your reference, please refer to actual business regulations.

That’s it for the introduction to credit card scams.