Overall, ICBC is better and has more rights and interests. The credit cards of several major banks are compared as follows:
I. Industrial and Commercial Bank of China
If we want to say which bank 202 1 is most worth applying for, ICBC is still the first. After all, the name of Universe Bank is not called in vain, and the threshold of different cards is different. If you pursue the success rate and quota of the next card, then use ICBC's star-brushing technology (don't ask Xiaobai separately) to succeed properly!
1, ICBC Platinum Digital Card: Free annual fee, small platinum card, low application threshold;
2. ICBC Glory Plus Platinum Card: the annual fee is rigid, but the domestic and overseas consumption 1% is cashed back, the quota is good and the application threshold is high;
3. ICBC Shangri-La Platinum Card: No annual fee, good hotel rights, high quota and moderate application threshold.
Second, China Merchants Bank.
In addition to ICBC, the popularity of China Merchants Bank is also quite high. Card friends not only like many activities of China Merchants Bank, but also like its fast credit card withdrawal (if you don't mention China Merchants Bank all the time, you may have entered a dark room and asked Xiaobai to go out of the dark room for 45 days). Here are some popular credit cards of China Merchants Bank (202 1)!
1, free life platinum card of China Merchants Bank: free of annual fee, moderate application threshold, optional supplementary card and high amount;
2. Classic Platinum Card of China Merchants Bank: the annual fee is free of points, and the birthday 10 times points, the application threshold is moderate, and the amount is strong;
3. China Merchants Bank Express Centurion Platinum Card: Rigid annual fee, strong rights and interests in all aspects, high application threshold and very high quota!
Three. China construction bank
The third is construction. Xiaobai likes it very much, because there is a lot of space behind him, and in terms of cost and time, CCB is very good, but if you have too many credit cards, CCB may let you go, because he doesn't like multi-head credit! If you can't apply because the debt ratio is too high, you can ask Xiaobai how to reduce the debt within 45 days. )
1, Longka Billie Billie Credit Card: Free of annual fee, low application threshold and high card issuance rate;
2. Dragon truck card: rigid annual fee, optional for the owner. The application must meet the threshold of the owner's card and the amount is moderate;
3. Longka Family Credit Card: The annual fee is free of points, with strong family rights and interests, moderate quota and moderate application threshold;
4. Longka enjoys Platinum Credit Card (Dashanbai): the annual fee is free of points, with strong rights and interests, a strong quota, a high application threshold, and a successful way to handle a secondary card.
Four. Agricultural Bank of China
The best momentum of ABC is also good. Since the reform, it has been much easier for ABC to apply for credit cards, and the amount and credit card loans have been strengthened accordingly, which is also a hidden danger worthy of application! (Make a pre-approval quota before applying, and the success rate is guaranteed.)
1, ABC Worry-Free Platinum Credit Card: Free of annual fee, moderate application threshold, good amount, preferred secondary card;
2. ABC upgraded its mother's credit card beautifully: free of annual fee, preferred by female card friends, with low threshold for female application and strong quota;
3. ABC Zunran Platinum Credit Card (Elite Edition): Free of annual fee, strong rights and interests, high application threshold and high quota.
Verb (short for verb) Bank of China.
Xiaobai, a domestic bank, is generally not recommended, mainly because the application threshold is relatively high, and card friends who need certain financial resources or high-quality conditions can apply. Just introduce a good card!
1. Bank of China Great Wall Diamond Credit Card: points plus diamond card can be exempted from annual fee, with high application threshold and high quota.
Which bank is easier to apply for a credit card? These are all easy cards in the four major banks!
For card friends, of course, everyone wants to get their favorite credit card quickly, and the most annoying thing about applying for a credit card is being rejected, which affects both efficiency and mood. So there are so many types of credit cards in major banks, how should we choose them? Which credit cards are easy to handle?
1. CITIC Bank Taobao Card can greatly improve the efficiency and success rate by binding customers' Taobao accounts. CITIC Bank's card approval speed has always enjoyed a good reputation among card users. After testing, CITIC Bank's online credit card application will generally be accepted by the bank within 24 hours, which is quite efficient! Now, CITIC Taobao Card is processed through the network, and the first quick payment is reduced to 30 yuan. Don't miss this offer!
2. Guangfa True Love Card, the first exclusive credit card for women in China, is designed with a transparent card version and advocates the concept of "independence, calmness, intelligence and frankness" in women's life. It has the service functions such as triple points plan and self-selected insurance plan, and enjoys many merchant discounts, giving women more personalized choices and more caring services. More importantly, it is simple and quick to handle this card. As long as you provide stable income proof and personal information, there is no obstacle to applying for this card.
3. Guangfa Car Owner Card, specially tailored for private car owners. Provide all-round benefits and services for car owners, customers and their cars. Enjoy the national 100 km free road rescue service, 5 times credit card refueling points or 1% cash back discount, choose high insurance coverage and many other functions and benefits. The application of Guangfa Owner's Card naturally reduces a lot of troubles for many riders ~ When applying for Guangfa Owner's Card, users can greatly improve the success rate of applying for a credit card by providing their car's driving license!
4. New customers of China Merchants Bank QQ co-branded credit card can get a gift of American traveler's fashion shoulder bag over 388 yuan. New card customers only need to swipe their cards three times in two months, and each time they spend 188 yuan, they will get a 388-yuan American traveler fashion shoulder bag. The first cash withdrawal every month is free.
The best card of China Merchants Bank is China Merchants Youth Card, which is one of the most popular and favorite cards for young people. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts. If the maximum withdrawal amount of 100% credit line is not enough, the first withdrawal fee will be added free of charge every natural month!
6. Ping An Bank's credit card is very grounded, such as the owner's card dedicated to the owner, the standard card for supermarket shopping, the platinum card discount at the airport, and direct access to the cinema. Card promotion covers food, fitness, entertainment, shopping and so on. The most sought-after and easy-to-handle credit card.
Comparison of Haitao Credit Cards among Banks
Compared with Taobao, Haitao, as a new shopping method, has become the focus of online shoppers. Once you are hooked on Shanghai Amoy, it will be out of control. If you want Haitao to be inseparable from credit cards, then which bank's credit card to apply for is a problem faced by the majority of card friends. Today, I will tell you about the advantages and disadvantages of Haitao credit cards of various banks.
1. China Merchants Bank:
The handling fee is not low, even if it is a gold card, it will inevitably lead to overseas emergency loss reporting and emergency card replacement. There will be activities such as exchanging dollars, which are suitable for Haitao people.
Advantages:
1. There are many kinds of cards and the service is good. You can apply for AE card and swipe it 6 times without annual fee.
2. It is very convenient to purchase foreign exchange for repayment. It is particularly worth mentioning that as long as RMB is deposited into China Merchants Bank's credit card, it will automatically repay the US dollar arrears first, which means that you can use third parties such as Alipay, Tenpay and Kuaiqian to repay the US dollar arrears without having to purchase foreign exchange by telephone, which is more worry-free.
Disadvantages:
1, currency conversion fee, dollar selling price 10 Banks tend to lean forward;
3. The overseas card-free transaction function cannot be turned off.
Second, CITIC Bank.
Advantages: you can purchase foreign exchange automatically, you can apply for AE card, you can swipe your card for 6 times without annual fee, the visa agency service is also good, and there are many currencies. The dollar is cheaper and the amount is strong.
Disadvantages:
1, currency conversion fee, overseas card-free payment function cannot be turned off;
3. The online banking function is poor, and the exchange rate cannot be found.
Three. Industrial and Commercial Bank of China
Advantages:
1, with the largest number of outlets and many currencies, and unlike Bank of China, the selling price of foreign currencies is generally low, so you can directly purchase foreign exchange for repayment through online banking and receive it in real time.
2. There are AE cards and multi-currency cards, and the annual fee is free for swiping the card for 5 times, and there is no handling fee for withdrawing the overpayment; The currency conversion fee (also known as the overseas transaction evaluation fee) is low, V is 1%, and M is the lowest among all banks in China. Therefore, in Germany, the US dollar card is used to swipe the euro. If the repayment is made in RMB, considering the appreciation of RMB, it may be cheaper to buy foreign exchange in RMB than to use the euro card.
3. It is very convenient to purchase foreign exchange for repayment. As long as you deposit enough money in the debit card, in addition to automatic repayment, you can also pay foreign exchange directly in the online banking and receive it in real time. This function is hardly provided by banks. CCB's online banking repayment of foreign exchange does not arrive in real time. Don't underestimate this function, it can save money. You can constantly refresh, find a foreign currency with a low selling price, and then make foreign exchange repayment, which is very independent. In addition, online banking can choose to purchase foreign exchange in real time (foreign currency consumption can be converted into RMB in real time, and it will take several years for BOC's global card to achieve this function).
4. The selling price of foreign currency is generally low, and the foreign exchange quotation of banks is always different. Although there is little difference in quotations from banks, ICBC is generally low, just a few points lower, but it will save some money if it is large.
5. It is convenient to open or open the overseas card-free payment function to improve security.
6. The interest-free period is 56 days. Although the billing date is always 1 and the repayment is always the 25th, it is the longest. Currency conversion fee is the lowest among all banks, v is 1%, and m is the disadvantage:
1, the quota is not necessarily strong. In the early years, it was even more difficult for ICBC to apply for a credit card. Even with very good economic strength, it is still very difficult, especially the euro card, which is only 500 euros.
2. The service capacity of different provinces varies greatly. For example, there is a pro-euro card, and the provincial card department said that there is no euro card version, and the US dollar card version is used. Therefore, the pre-printed warehouse and the embossed warehouse did not match, which led to the refusal to swipe the card once in Germany and forced to use the US dollar card.
3. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.
Four. industrial bank
Advantages:
1, a family-run standard dual-currency gold card, with 5 swipes free of annual fee and free SMS reminder;
2. The selling price of foreign currency is generally low, and foreign exchange can be purchased automatically. Amazon has points for dollar consumption;
3. The overseas transaction function can be set manually: "closed, only once, for a certain period of time or permanently opened"; (TX, worried about network security, you can set "just once" before Haitao, and the overseas trading function will be automatically turned off after payment)
4. Buy air tickets online and pay the full amount to 20 yuan Insurance.
Disadvantages: less points.
Verb (abbreviation of verb) China Construction Bank
I don't seem to find any advantages and disadvantages. The selling price of USD is often higher than that of the other 9 banks, and the currency conversion fee is 1.5%.
6. Bank of China
Use countries and currencies (USD V, GBP M, German Euro V, Swiss Euro V, Australian Dollar V)
Advantages:
1, the highest level of internationalization. As the most professional foreign exchange bank in China, credit card overseas business is the most mature. The design above is mature and atmospheric. Most cashiers in the United States know about BOC, and there is no UnionPay plaster on the card surface.
2. The currency is complete.
3. BOC has many overseas outlets, so it is more convenient to pay back the USD debts of USD cards directly at new york Branch. Suitable for people going abroad for a long time.
4, real-time SMS, there will be a phone call after brushing foreign currency, but it will waste my international mobile roaming fee.
Disadvantages:
The selling price of 1 and USD is not low, but it is often the highest.
2. The annual fees for credit cards in euros and pounds are inevitable. If you don't go to euro countries or Britain, don't apply for these cards, because they are single-currency credit cards and you need to pay an annual fee. If you swipe your card at home, you have to pay a currency conversion fee. These annual fees can be used to pay a lot of dollars.
3. Online banking sucks. Before 2008, BOC knew nothing about online banking. Online banking has existed since 2008, but the interface is stingy and not easy to use. Credit card functions are rarely customized. This single currency credit card has also been registered by another website in Hong Kong.
4. You can't close the overseas website for payment without a card. In addition to registering VBV single and foreign currency credit cards, MasterCardSecureCode function,
7. Bank of Communications
Use country and currency (millions of dollars)
Advantages:
1, the selling price in US dollars is slightly lower than that of ICBC and the same as that of China Everbright Bank. Anyway, it won't be higher than Bank of China.
2, Jinfeng card looks good.
3. The quota is super strong.
Disadvantages:
1. Why is the currency conversion fee so high? The other is Everbright. So don't use it in non-dollar areas.
2. The overseas card-free payment function cannot be turned off, and some netizens have stolen a large number of reports.
3, the card is quiet. No text messages or anything. It costs money.
8. Minsheng Bank
Use country and currency (USD v)
Advantages:
on the decrease
Disadvantages:
Even for transactions in the same currency, the so-called overseas transaction fee of 1% will be charged.
9. China Everbright Bank
Use country and currency (USD against Fuka)
Advantages:
1 and USD have low selling prices, which are often the lowest among all 10 banks. Off-topic: However, its US dollar demand deposit is expected to have the highest annualized interest rate, so all US dollars are put aside.
2. You can turn off the overseas card-free closing function by phone, but it is always inconvenient to make a phone call every time.
3, real-time SMS notification, frequent phone harassment, wasting my international phone bill.
Disadvantages:
Currency conversion fee is as high as 1.95%
X. Huaxia bank
Use country and currency (millions of dollars)
Advantages:
1. The logo of Deutsche Bank on the card is familiar to many foreigners. Twice, the American cashier said, Your card is great. I guess I saw the logo of DB.
2. The overseas card swiping function can be turned off. This function is different from closing overseas card-free payment, especially for countries with stolen card information such as Malaysia. It can be described as a major feature.
Disadvantages:
1, the same currency still charges the so-called conversion fee of 1%.
2. There is no Huaxia debit card available. Huaxia debit card is free of handling fee for overseas UnionPay cash withdrawal.
Which bank has a better credit card?
Which bank has a better credit card?
Generally speaking, it is more appropriate for us to hold up to 6 credit cards. You can apply for credit cards of various banks according to your own consumption needs.
1, four major credit cards
The credit card approval of the four major banks is more urgent and strict than that of other banks, so we can handle the credit cards of the four major banks first, and then handle the credit cards of other banks. The reason for handling the credit cards of the four major banks is very simple, that is, the four major banks have the widest outlets, and most of our business in daily life is handled through the four major banks. Therefore, it is more convenient to handle the credit cards of the four major banks, which can avoid the problem of cross-bank handling in the follow-up business. It is also more favorable for subsequent bank loans.
ICBC credit card, BOC credit card, CCB credit card, ABC credit card, Bank of Communications credit card.
Introduction is as follows:
1, BOC credit card
China Bank Credit Card is an international standard credit card, with one card and two currencies, which is universal. No prepayment is required. You can spend easily at home and abroad with your card within the limit, and enjoy an interest-free loan for up to 50 days. China Bank has overseas branches in 20 countries and regions around the world.
China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence certificates and financial documents.
2. China Industrial and Commercial Bank Credit Card
China Industrial and Commercial Bank Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business card and personal card, and personal card is divided into main card and auxiliary card.
3. CCB Credit Card
CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "Dragon Cards", including exclusive cards, business cards and car cards.
2. China Merchants Bank Credit Card
China Merchants Bank has also become the "first bank in the universe", because China Merchants Bank has the largest market value and the widest network, and its services are getting better and better. In addition, China Merchants Bank also cooperates with a number of offline stores, and you can get certain consumption discounts by using China Merchants Bank credit cards, so the cost performance of China Merchants Bank credit cards is still very high.
Summary: The use of credit cards pays more attention to quality than quantity, so it is more appropriate for us to control the number of credit cards within six. At present, different banks have their own advantages in credit cards, so you can handle them selectively according to your own needs.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
The comparative introduction of credit cards of major banks ends here.