Nowadays, many people want to apply for a credit card, but each bank has its own credit card. Which bank’s credit card has more benefits? How to choose the type of credit card? Let’s find out together. look.
Which credit card bank has more benefits?
1. China Merchants Bank
Everyone should know that China Merchants Bank’s credit cards have many discounts, and the services of China Merchants Bank are also very good. It is easy to operate and highly safe. If the single purchase amount is large, customer service will usually call you immediately to confirm whether the payment was made in person. Such high-quality service is really reassuring. There are also many activities that double points. For example, booking air tickets and hotels with China Merchants Bank's TravelEasy will earn you 3 times the points. If you are delayed for 2 hours after taking off, you will pay 200 yuan as condolence money to the passenger's savings card with the same name. There is also a 50% discount area for brands in the points mall. The gifts in there are all good and you only need to redeem them at a 50% discount.
2. Bank of Communications
The activities of Bank of Communications are very user-friendly and practical. No points are required, and cash is returned directly. New customers who spend over 100 yuan for the first time on Friday will receive a 50 yuan card credit, 30 yuan for mobile banking activation, 40 yuan for automatic repayment, etc. After that, every Friday when you go to the supermarket and use a regular or gold card to spend up to 128 yuan, you will get a 5% cashback, and a platinum card will give you a 10% cashback. For car owners, the same discount applies to refueling on Fridays, which completely exceeds the increase in gas prices every time (3%~ 4%). In addition, if you meet the consumption standards, you will get a 10 yuan discount for watching movies once a month.
3. China CITIC Bank
CITIC Bank can be compared with China Merchants Bank in credit card business, and many activities are very innovative. For example, everyone generally believes that credit card points are worthless, but CITIC has a 9-point redemption event. 9 points can be exchanged for a cup of Starbucks, a book worth less than 35 yuan, or a Wanda movie ticket, etc. Compared with other banks, you can exchange hundreds of points for a cup of coffee, which is indeed infinitely more powerful.
4. China Guangfa Bank
China Guangfa Bank has a lot of credit card activities. There are often buy one get one free at Starbucks, and every Friday there are people borrowing Guangfa cards everywhere. There is also a flash sale of sports venues for 8 yuan. In addition, some more targeted cards have been launched, such as Taobao Card and International Student Card. Another great advantage of Guangfa Credit Card is that there is no handling fee for inter-bank repayments.
How to choose a card type when applying for a credit card
1. Understand the card types
Credit cards are generally divided into ordinary cards, gold cards, platinum cards, diamond cards and other types. , different card types have different rights and benefits.
Among them, the regular card has the lowest threshold among credit card levels. You can apply if you pass the credit check, but the maximum limit is 50,000. Under normal circumstances, the limit of the regular card is around 10,000; the limit of the gold card is higher than that of the regular card. The card is higher, with a maximum limit of 80,000, and higher benefits and levels than a regular card; the platinum card has an annual fee between 500 and 1,000, and the application qualification requirements are higher, and the limit is generally around 500,000.
2. Check how to collect points
Some credit card consumption points adopt a cumulative points system, while some credit cards earn points through each purchase or by meeting certain consumption thresholds. Credit card points affect the benefits and benefits that cardholders can obtain. The more points, the more benefits there will be.
3. Pay attention to annual fees and service fees
When applying for a credit card, you need to pay annual fees and service fees. Credit cards from different banks, different credit card types and levels, generate annual fees and services The fees are also different. It is recommended that users compare the fees of different card types and choose the card type that is favorable and suitable for them.
The above is the relevant analysis of which credit card bank has more benefits. I hope it can help users who want to apply for a credit card but don’t know how to choose.