The highest-level credit cards of the four major banks
There are currently no highest-level credit cards of the four major banks, but the highest-level savings cards of the four major banks are: Bank of China's "Bank of China Platinum Card", Industrial and Commercial Bank of China's "Wealth Management Gold Card", China Construction Bank's "UnionPay Dragon Card", and Agricultural Bank of China's "Golden Harvest Diamond Card".
BOC Platinum Card: It is an international standard credit card of Bank of China. In addition to its functions of global use, revolving credit, cash advance, free text messages, flexible installment payment, etc., it also provides up to 2 million yuan. A large credit limit of RMB 1,000, a long interest-free period of up to 59 days, double consumption points, free airport VIP lounge services, exclusive golf privileges, platinum medical and health insurance and other presidential-level services.
Wealth management gold card: It is a gold card used by ICBC to set up elite wealth management accounts. Customers can enjoy distinctive services. A series of VIP exclusive financial management services will also reflect the customer's life taste.
UnionPay Dragon Card: Dragon Card is upgraded on the basis of the original Dragon Card savings card, and integrated with the Principle Caicai Silver Card to launch a comprehensive debit card product for mass customers. In addition to current and time deposit accounts in RMB, US dollars, Hong Kong dollars, Japanese yen, euros, pounds and other currencies, it can also link other existing CCB accounts of the customer to the Dragon Card to make overall arrangements for funds.
Golden Harvest Diamond Card: Relying on advanced electronic means, it has formed a service network covering the whole country with cities as the center. It has entered into the people's daily necessities and become an indispensable means of payment and settlement. Financial management tools.
The easiest credit card to apply for from the four major banks! If you want to apply for a card, look here!
Many friends have asked which bank's credit card is easier to apply for. I'm afraid I have to answer you, you have to choose from a commercial bank. 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 Upgrade Mom Credit Card
This Agricultural Bank of China’s Beautiful Upgrade Mom Credit Card is also easier to apply for. The gold card and platinum card can waive the annual fee by swiping the card. 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 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, special discounts on 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 everyone. 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!
Which bank credit card is easier to apply for? These are the cards that are easy to buy from the four major banks!
For all card lovers, of course they all want to get their favorite credit card quickly, but the most annoying thing when applying for a credit card is being rejected, which affects both efficiency and mood.
So there are so many types of credit cards from major banks, how should we choose? Which credit cards are easy to apply for?
1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate of card approval by the card issuer when checking customers' credit by binding the customer's Taobao account. CITIC Bank's credit card approval speed has always had a good reputation among cardholders. According to tests, when applying for a credit card online from CITIC Bank, you will usually receive an SMS from the bank within 24 hours, which is quite efficient! Apply for CITIC Taobao Card online now and get an instant discount of 30 yuan on your first quick payment. Don’t miss this offer!
2. GF True Love Card is the first credit card exclusively for women in China, with a transparent card design, advocating the female life philosophy of "independence, calmness, intelligence, and frankness", and has a three-fold points plan for merchants of your choice, Functional services such as optional insurance plans, as well as discounts from many merchants, provide women with more personalized choices and more considerate services. What's more important is that applying for this card is simple and quick. As long as you provide proof of stable income and personal information, there is no obstacle to applying for this card.
3. Guangfa Car Owner Card is specially customized for private car owners. Provide a full range of discounts and services for car owners and their cars. Enjoy 100 kilometers of free roadside assistance nationwide, 5x points or 1% cash rebate for refueling with your card, optional high-value insurance protection, and many other features and discounts. Naturally, the GF Car Owner Card has saved many car owners a lot of trouble when applying for the GF Car Owner Card. When applying for the GF Car Owner Card, users only need to provide the driving license of their car to greatly increase the success rate of applying for a credit card!
4. New users of China Merchants Bank’s QQ co-branded credit card will receive a free American Traveler fashion backpack of RMB 388 with a full credit card payment. New credit card customers only need to make three card payments within two months, with each payment exceeding RMB 188. Receive a free American Traveler fashion backpack worth 388 yuan. The first cash withdrawal of each month is free of charge.
5. The best card to apply for is the China Merchants Young Card. This card is one of the most popular among young people. White-collar workers who have just graduated can apply, and college students over 18 years old with a formal internship contract can also apply. If the cash withdrawal limit of up to 100% of the credit limit is not enough, then the first cash withdrawal in every calendar month is free of charge!
6. Ping An Bank’s credit cards are very down-to-earth, such as car owners’ cards for car owners, standard cards for supermarket shopping, platinum cards for airport discounts, and green channels to go directly to movie theaters. Card promotions cover food, fitness, entertainment, shopping, etc. The most popular and easiest credit card to apply for.
What are the easiest cards to buy from the four major banks? These are all worth buying!
Applying for a credit card is not difficult in itself. The difficult thing is to choose the one that you like and is suitable. In people’s minds, it is more difficult to apply for a card from the four major banks than from commercial banks. In fact, this is not entirely true. There are so many cards issued by the four major banks, and many of them have low thresholds, good benefits and high cost performance. . If you don’t know yet, let me introduce it to you!
1. ICBC Universe Constellation Card
The card issuance volume of ICBC Universe Bank has exploded. This Universe Constellation Card can be said to be both good-looking and good-looking, with a simple black-tone style. , coupled with the twelve zodiac signs, it is very high-end.
There is no annual fee during the validity period, and there are also overseas WIFI, hotel discounts, free airport parking for 3 days, 1 yuan parking at the airport, etc., and there are also free Youku or iQiyi memberships for new users.
2. Bank of China Taobao Card
The threshold for Bank of China’s credit card is not too high. You can apply with basic information, but this Bank of China Taobao Card is the most worth applying for.
The annual fee is waived in the first year when you purchase the card. Any 5 purchases can be used to waive the annual fee for the following year. However, online payments do not count as the annual fee exemption. The interest-free period is up to 50 days, and the withdrawal limit is 50% of the credit limit.
3. Agricultural Bank of China’s Pretty Mom Upgrade Card
The Agricultural Bank of China’s Pretty Mom Upgrade Card has always been the main card of Agricultural Bank of China. It is very suitable for mothers to buy. Both gold and platinum cards can be purchased free of charge by swiping the card a few times. There is an annual fee, and the VISA Platinum Card is also free of annual fees during its validity period.
The benefits are even richer, including discounts on Disney courses, redemption of points in the maternal and infant area, discounts on spending on Kids King, random instant discounts on Lv Mama weekends, etc.
4. CCB Global Hot Purchasing Card
This CCB Global Hot Purchasing Card is quite powerful. It offers 3 annual fee-free purchases for Gold Card and 10 purchases for Platinum Card. Annual fee, VISA or MasterCard are free of annual fee within the validity period.
This card is more suitable for overseas travel and shopping, and the discounts are relatively large. It also has the benefits of the platinum card, allowing you to travel without worries.
The credit cards from the four major banks introduced here are relatively easy to apply for. It is more difficult to get the card, but friends who want to have a credit card from a state-owned bank can try it.
Is it easy to apply for a credit card from the four major banks?
It is easy to apply for a credit card from the four major banks.
1. Bank of China (Bank of China):
Nicknamed "Brick Bank", one brick is worth 10,000 RMB. Having this nickname shows how much it recognizes "Brick Bank" "Well, the main thing to consider when placing a card is your assets. In the past, a friend from the Bank of China said that the mandatory conditions for the Platinum Card are a deposit of 200,000 yuan for three months, or a loan of 50,000 yuan, including housing loans. If it is a "stable unit" that is relatively recognized by banks, it is also easy to get a card. The advantage is that Bank of China’s exchange rate is kind and overseas cashback activities are stable in the long term, so if you often go abroad or do overseas shopping, it is recommended to apply. Moreover, several platinum cards related to overseas shopping basically waive annual fees, so you don’t have to worry much. But for its activities, different cards correspond to different activities, so many companies recommend "get one for them all".
2. China Construction Bank (CCB):
CCB is similar to Bank of China. It is also famous for overseas cashback, but its domestic cards are not so good. However, online application has only recently been allowed. Dragon Card Exclusive Platinum Credit Card. Because the pattern on the card is a mountain peak, also known as Dashanbai, it is the first platinum credit card of China Construction Bank that can be applied for online. It has relatively complete benefits and an annual fee of 1800 or 400,000 points can be deducted by points, so some people put it in the fourth place among the "Sibai Four Whites". However, CCB's points are more difficult to accumulate, and points are not given for many purchases. So it is best to decide whether you are willing to spend the annual fee to buy benefits. Good to think carefully.
3. Agricultural Bank of China (Agricultural Bank of China):
The Agricultural Bank of China is nicknamed Lao Nong, and it always feels like it is backward. It is famous for its poor online banking, and is very cautious in approving cards. It is difficult to get a card. Therefore, some people say that the Zunran Platinum Credit Card Essence Edition (Essence White) is the most difficult platinum card to apply for. However, some people may have better relationships with local outlets, so it is not that difficult to apply for it. Also, it is not difficult even if the assets are in place.
4. Industrial and Commercial Bank of China (ICBC):
Because its total assets are the largest in the world, some people joked that it is the largest bank in the universe, so it later became known as "Universal Bank". There is also a nickname called "Auntie Bank". One theory is that rich aunts save money at ICBC, and another theory is that there are more aunties among the employees.
This ends the introduction to the credit cards of the four major banks and the credit card interest rates of the four major banks. I wonder if you have found the information you need?