Top Ten Cost-Effective Credit Cards: People who have used them say they are good (Part 1)
There are so many credit cards from various banks, which often dazzles many cardholders and they don’t know which one to choose. The products are good. Today we have integrated the ten credit cards that netizens agree are the most cost-effective. They are divided into two parts to introduce to you. I hope it will be helpful to everyone in choosing a card.
Inventory of the top ten cost-effective credit cards
1. China Merchants Bank Young Card: The entry-level card of choice for young people, the threshold is relatively low, the age is under 30 years old, the work income is stable, even if you are just starting out Young people who have entered the society have the opportunity to apply for the card. The first cash withdrawal every month is free, which is more suitable. If you maintain good card usage habits and occasionally make some contributions in installments, the limit will increase faster.
2. Ping An Bank Car Owner Card: Tailored specifically for car owners, it can provide a 12% discount on refueling, a maximum monthly cash rebate of 60 yuan, an annual rebate of 720 yuan, and a gift of 1.1 million yuan for the entire car crew. Accident insurance, free 30 kilometers of roadside assistance, etc., with a maximum limit of 50,000 yuan, it is usually better to have a car in your name. There is a rigid annual fee of RMB 200, which is charged upon opening the card in the first year, and the annual fee is waived for the following year when you spend over RMB 30,000.
3. Bank of Communications Wal-Mart Credit Card: One of the essential cards for daily life. As long as there is a Wal-Mart supermarket near your home, you will definitely not lose money by applying for the card. You can spend money in designated Wal-Mart stores through designated methods, such as physical POS machines and UnionPay. Payment and WeChat payment, there is no limit on the amount. You need to swipe your card to get the card money back. The monthly limit is 150 yuan, which can be deducted from the transaction amount.
4. Guangfa True Love Credit Card: It is said to be the easiest card among Guangfa Cards, especially suitable for women. There are many card versions to choose from, 3 times the points for online shopping at the merchants of your choice, and 3 times the points for online shopping. There are also women The high health gifts, and the ability to use points to renew insurance and exchange for critical illness insurance, travel accident insurance, and shopping protection insurance, make thousands of women crazy about it.
5. Agricultural Bank of China’s Beautifully Upgraded Mother’s Credit Card: The card has a fashionable and personalized face, and is available in gold and platinum cards. It can provide multiple exclusive benefits such as preferential maternal and child merchants, early childhood education, health care, etc. UnionPay Platinum Card also offers You can enjoy 1 yuan airport parking service, stay two nights in a five-star hotel and get one night free, 50% off buffet and afternoon tea in five-star hotels, etc., a must-have for mothers with children.
There are so many types of CCB credit cards - which one should I choose?
Customers can log in to the homepage of the CCB official website, learn about the rights and interests of various cards through "Credit Card - Credit Card Application", and then choose to apply for a credit card according to their preferences. If the credit card product applied for by the customer is for a specific group of people, he or she can apply at any CCB branch.
(In case of business changes, please refer to the actual situation.)
The high-looking black card credit card you deserve
This is an era where face is valued. , the more beautiful you are, the more people will pay attention to you, and the same is true for credit cards. As far as we know, many people like credit cards with black card faces, thinking that they can show their mature and stable personality. However, this does not mean that black card credit cards cannot have super good looks. Let’s introduce some to you. The most beautiful black card.
Some cardholders said that the black-based credit cards of Agricultural Bank of China, Bank of Communications, Industrial Bank, and Hua Xia Bank all have good looks. Among them, the Bank of Communications Elite Shenlu Card is very good-looking. On the table, the China World Exclusive Card is elegant and bright, which can be said to be the two best-looking cards. Click here to apply for a card quickly
1. Bank of Communications Elite Shenlu Card
Appearance index: 5 stars
Application conditions: Hold the Bank of Communications Gold Card level. You can apply for it
Card limit: there are tens of thousands or tens of thousands.
Reason for introduction: One overseas offline purchase is exempt from the annual fee for the following year
2. Huaxia World Exclusive Card
Appearance Index: 5 stars< /p>
Application conditions: You can apply if you hold the China Elite Platinum Card level
Card limit: 50,000 or more
Reason for introduction: Spend more than US$10,000 or more 15K RMB annual fee is waived, or 50,000 points can be exchanged for the annual fee
2. China Merchants Bank MasterCard All-Currency Card
Appearance Index: 5 stars
Application conditions: You can apply if you hold the China Merchants Bank Gold Card level
Card limit: There are tens of thousands or tens of thousands.
Reason for introduction: No annual fee within the validity period
How to apply for a personalized credit card
The situation of each bank is different
(1) Shanghai Pudong Development Bank , many types of deeply customized credit cards can be customized
(2) China Merchants Bank, diamond credit cards and Golden Sunflower Card customers with total assets of 500,000 can be customized
(3) China Everbright Bank , users who already hold Everbright credit cards can apply for a second card with a flash number card, which can be customized with 6 digits
(4) Industrial Bank, UnionPay Constellation Gold Card Credit Card can be customized with the last 6 digits
(5) China Construction Bank, Long Card credit card can be customized for a fee
(6) Ping An Bank, diamond card users can apply for customized debit card
(7) Bank of Communications, Japan Those with average assets of more than 500,000 yuan can apply for a customized Ward Wealth Card
(8) Hengfeng Bank, Xinyi Card Savings Card with personalized card face, optional, free application
One , Shanghai Pudong Development Bank
As for Shanghai Pudong Development Bank debit cards, the 2020 Year of the Rat Zodiac Debit Card and the Happy Yangtze River Delta Star Card both support customization. The charges for both cards are the same, and the customization fee is only 18 yuan.
2. China Merchants Bank
Golden Sunflower Card, which is a debit card at the platinum level of China Merchants Bank, supports individualized independent choices.
Users can apply at bank branches. It should be noted that to apply for this card, the assets (principal deposits, funds, insurance, entrusted financial management, treasury bonds and third-party custody) in all accounts in the same branch of China Merchants Bank need to be etc.), if the total amount equivalent to RMB reaches 500,000 yuan, you can apply for it.
In addition, in terms of credit cards, CMB Diamond Credit Card also supports customization.
4. Industrial Bank
The Industrial Bank UnionPay Constellation Gold Card (12 zodiac signs) supports customization of the last 6 digits, and you can also choose different special card surface technologies. The customization fee ranges from 66 to several hundred.
5. China Construction Bank
China Construction Bank credit card supports a variety of card face customizations, including zodiac series, national trend city series, inspirational series, national trend auspiciousness and other themes. In addition, it can also support The last 6 digits are customized.
What does DIY credit card mean?
Even if we have not used credit cards, we have at least heard of them online or in banks. As for how to DIY credit cards, it all depends on your own creativity. Below is what I have compiled for everyone, for your reference!
What does DIY credit card mean?
That is, you can choose the face of the credit card yourself, such as your parents’ photos , children's photos, and your wedding photos on the bank card. Just go to the official website of China Construction Bank and look at the MYLOVE card to find out
Guidelines for the use of GF DIY Credit Card
Guangfa DIY Credit Card is a credit card product designed for young and fashionable white-collar workers. Based on the points discount platform, merchants in the three major categories of catering, entertainment, shopping and travel are selected to provide triple points for swiping card purchases to meet your fast-paced work style and simple and independent consumption proposition.
Three times the points for the merchant type of your choice
You can freely choose your favorite merchant type from the following three merchant types and enjoy triple the points discount.
Catering and entertainment: including various catering and entertainment businesses
Shopping: including department stores, supermarkets, clothing, shoes and bags, etc.
Travel Category: Including air tickets, hotels, vacations, travel and other types of merchants
Remarks: If you only choose one category, it is free; if you select more than one category, 29 yuan/year will be deducted for each more than one category Charge fees.
Points can be used to offset fees or freely exchange gifts
Your GF DIY credit card consumption points can not only be redeemed for points gifts, but you can also directly apply for discounts to offset fees and arrears. Every 10,000 points can be used to offset 20 Yuan, the more you accumulate, the more discounts you can get.
Function details:
1. The "Triple Points for Selected Merchant Types" function is currently limited to application when opening the card. Application, modification or cancellation of services will not be accepted after opening the card. Our bank will make adjustments in the subsequent business development, please pay attention to our website () or mobile phone SMS notifications.
2. The specific merchant types of "Triple Points for Selected Merchant Types" are: (The number in brackets is the merchant category code, that is, MCC) Catering and entertainment categories include dining venues and restaurants (5812), and fast food restaurants (5814 ), drinking establishments (bars, pubs, nightclubs, cocktail halls, discotheques) (5813), dance halls (7911), large game consoles and game venues (7994), amusement parks, circuses, carnivals, divination (7996), Theater production (excluding movies), performances and ticketing (7922), cinemas (7832); shopping categories include large warehouse supermarkets (5411), large warehouse household goods stores (5200), department stores (5311), electronics Equipment, home appliance stores (5732), sporting goods stores (5941), cosmetics stores (5977), beauty and barber shops (7230), health and beauty SPA (7298); travel category includes accommodation services (hotels, hotels, motels, Resorts, etc.) (7011), sports and entertainment campsites (7032), passenger rail transport (4112), airlines (4511), travel agencies (4722), airport services (4582), ship and cruise line services (4411), car rentals (7512), Tourism and Exhibition (7991), Direct Selling of Tourism-related Services (5962).
3. Consumption points must be redeemed at a minimum of 10,000 points to offset the outstanding balance. Applications will not be accepted when the card points are less than 10,000 points. Every 10,000 points can be deducted from RMB 20 of consumer debt. Each time you apply for a discount, the points must be an integral multiple of 10,000 points, and the amount of discount cannot exceed the accumulated balance of the DIY card on that day.
4. The GF DIY Credit Card gold card can enjoy multiple points with a maximum monthly consumption of 200,000; the regular card can enjoy multiple points with a maximum monthly consumption of 100,000.
5. If you are delayed or in a risky situation in a certain billing month, you will not be able to obtain multiple points discounts for all transactions in that billing month.
6. GF DIY Credit Card’s bonus points for the selected merchant type will be given away in the month following the transaction.
7. If the GF DIY credit card you hold is an IC chip card, it supports credit card transactions and electronic cash transactions. The balance of the electronic cash account is initially 0, and can be loaded and recharged through the credit card account of this card. If you use GF DIY card electronic cash quick pass transaction, the transaction will not be counted as points and you will not enjoy multiple points.
8. If the GF DIY credit card you hold is an IC chip card, it can support electronic cash transactions at merchants with the (UnionPay) or (Quick Pass) logo. You can insert the card or click Completed by card.
9. If your credit card is lost, you can call our customer service hotline 95508 to report the loss of the credit card. Electronic cash accounts cannot be reported as lost.
10. If the GF DIY credit card you hold is an IC chip card, when updating or replacing it, you need to transfer the electronic cash balance of the old card to the new card at the counter, and the old card will be taken back by our bank destroy. The bank will transfer the electronic cash account balance to the new card's credit card account within 30 calendar days after acceptance. The amount transferred shall be based on the amount recorded in the bank system. If not returned, the electronic cash balance of the old card can continue to be used until the expiration of the card's validity, and no transfer is allowed during this period.
11. If the GF DIY credit card you hold is an IC chip card, the cancellation of the electronic cash account must be handled at our bank branch, and the card will be recovered and destroyed by our bank.
12. Within the scope permitted by law, China Guangfa Bank may adjust the product and activity details according to the actual situation and in accordance with national laws and regulations.
Personalized credit card: you can DIY the card face
In addition to rich functions, today’s credit cards also have a colorful and personalized card face. Some banks provide DIY cards, allowing users to design their own credit card faces.
For example, Mr. Cheng has been married for 5 years and has always had a good relationship with his wife. She has always wanted to find an opportunity to express her love for his wife, but his wife did not like it very much when he gave roses. By chance, Mr. Cheng learned from his colleagues that there was a personalized credit card with a DIY card face. So he used the wedding photos of the two of them as the card surface as a souvenir for their 5th wedding anniversary.
For young people, having a credit card with a self-identification is a unique personality. A personalized credit card is not only a credit card, but also a symbol of their identity.
Currently, personalized credit cards include China Construction Bank’s MYLOVE card. Users can upload and edit personal photos (such as close-ups of cherished babies, sweet wedding dresses, warm family photos, etc.) from the website gallery. Choose your favorite picture and personally design the face of MYLOVE credit card or CITIC Bank's QQ-DIY credit card. Cardholders can personally design the QQ show screen for the card and print their own designs on the card face. In addition, there are dog cards from China Guangfa Bank and WOW cards from Pudong Development Bank.
Special-shaped credit cards
Credit cards with different shapes can be divided into standard credit cards and special-shaped credit cards. The so-called special-shaped credit cards refer to credit cards with irregular shapes. These credit cards can have various built-in A chip means it has many different functions.
1. Definition of special-shaped credit cards
Special-shaped credit cards refer to credit cards with irregular shapes. They are generally non-international standard cards tailored according to individual needs. The thickness of the card and Dimensions are different from standard credit cards.
Special-shaped credit cards have base thicknesses of:
However, due to the unusual size of the special-shaped cards, there are restrictions on their use. Therefore, in order to ensure that cardholders can enjoy all the services of credit cards, banks apply for a standard card at the same time when applying for special-shaped cards for users to ensure that even if special-shaped cards cannot be used, they can still enjoy credit card services.
2. Advantages of special-shaped credit cards
1. The card surface is personalized, usually a commemorative pattern or personalized inkjet painting, which has certain appreciation and collection value;
2 , The card is small and easy to carry;
3. Disadvantages of special-shaped credit cards
1. Special-shaped cards cannot be used in automatic teller machines (ATM), automatic deposit machines (CDM/CDS) and card insertion terminals and therefore cannot be used for cash advances.
2. Special-shaped cards cannot be pressed manually because the information on the card surface is not embossed characters, which is relatively limited in function.
3. As an accessory product of ordinary credit cards, special-shaped cards must be opened and activated before they can be used. This is equivalent to managing two credit cards at the same time.
4. Introduction to special-shaped credit cards
Guangfa China Southern Airlines Sky Pearl M-shaped Card: The unique letter shape is simply the best-shaped card among special-shaped cards.
Industrial Garfield Card Couple Edition: Put the arc-shaped sides of the two cards together to make the appearance of two cats’ tails entwined together.
Pufa WOW popular fastening card: cleverly uses the arc shape of the card and the button pattern, integrating denim elements, doubling the trend.
That’s it for the introduction of personalized credit cards.