How about the credit card of Bank of Communications?

Is the traffic credit card easy to use

Question 1: How about the Bank of Communications credit card? Is it useful? I have used it for two years. The specialty of Bank of Communications is that it gives more money than other banks. Nothing else. If you deposit money in a credit card, you need to pay a handling fee when you withdraw money. If the overdraft is not fully repaid, you will have to charge interest from the day you spend it. Remember to pay back on time by credit card. ICBC's credit card feels good. There is no handling fee for withdrawal, only interest for overdraft cash, and handling fee for Bank of Communications and Societe Generale.

Question 2: How about the Bank of Communications credit card? Because the salary is in Bank of Communications, I used to cancel the cards and discounts of CCB and BOC, and only Bank of Communications has them.

Later, I applied for a bank of communications credit card, only to find out later that I got on a thief boat.

It is said that the job is good, the income is good, and the savings are all in the Bank of Communications, which is considered a middle class. As a result, I only gave a quota of 4000 yuan. I used a debit card when I went out for the first time without even paying the hotel fee.

I applied for increasing the quota four times in a row, but all of them were rejected. . . . .

I got a China Merchants Bank card, ha, and gave a gold card.

At present, China Merchants Bank card is mainly used. I feel that the discount merchants are close to life, and the debit card with automatic repayment is free and the amount is high.

For reference only, who knows the benefits of Bank of Communications Card?

However, the day before yesterday, I was taken in by the Bank of Communications and gave me a debit card. Now I just read the manual-if the quarterly average daily balance is less than 70,000 yuan, the monthly account management fee of 10 yuan will be charged.

Bank of Communications is "rotten". I applied for the Bank of Communications credit card in Vuormaa, but I didn't get it two months later. I called and asked, saying that I lost my information and didn't transfer it to the bank. I asked what happened to the bank. Later, he said that he found it again, and he wanted to help me, but he didn't give me a reasonable explanation. His attitude is still terrible. It's rubbish. I was too angry to do it. The garbage also said that my personal data could not be returned. It is really a CD, and it is not a person at all. Never use the credit card of Bank of Communications, you will regret it. This kind of junk bank can exist. It's a shame, junk bank.

However, the points system of Bank of Communications Card is OK, and it gives many points. If many points can be exchanged for many things, sometimes you will often receive some small gifts from Bank of Communications, and you will receive a confirmation call every time you brush a large amount, which is safer.

Question 3: Is the Bank of Communications credit card easy to use? The reason is that 50 points is not easy to use. At present, my friends and I have experienced it personally. It is recommended that the Bank of Communications card be used normally.

Question 4: How about the Bank of Communications credit card? Advantages and disadvantages of bank of communications credit card;

Advantages:

1, the threshold is very low;

2. The initial quota is very high;

3. There are many discounts;

4. Easy repayment.

Disadvantages:

1, only the system can take the initiative to withdraw cash, and it is not allowed to apply for withdrawal and manual intervention;

2. Pit dad SMS reminder fee;

3. The withdrawal fee is very expensive;

4. Full penalty interest;

5. The risk control is strict, and it is easy to illegally seal the card, which will affect the credit investigation.

Advantages of Bank of Communications Credit Card:

1, cumulative credit line. Similarly, credit cards can accumulate credit limits, but ordinary bank debit cards cannot. Some merchants have discount promotions for users with credit cards, and there are many preferential activities. Credit card can be used to exchange points for gifts. Anyway, that's all the money spent in cash. You might as well swipe your card to get points.

2, free, no charge for credit card.

No matter where the credit card deposits money, there is no need for off-site handling fee. 500 yuan can apply for installment payment if the single credit card consumption exceeds1(you can choose to return it in 6, 9, 12, 18 months).

4. Overdraft and cash out. This is also the most critical point. Personal credit cards generally have an overdraft limit of 5000- 10000, which can help you solve the problem when you need money badly.

Generally, the Bank of Communications card is exempt from the annual fee in the first year, and it is exempt from the annual fee in the following year if you swipe your card six times in that year. Even if you go to the supermarket to buy a bottle of coke, you can brush it once, so six times is nothing at all. When you are short of money and embarrassed to borrow money from your friends, credit cards are of great use. You can overdraw and withdraw cash, of course, the premise is that you must repay!

Question 5: Do you use Bank of Communications credit card? How's it going? What kind of Bank of Communications credit card is used? The application conditions are roughly as follows, with different omissions. Please consult the staff of the business hall for details.

1, under 30 years old, college degree or above, can apply for a youth card;

2. There are credit cards from other banks, which can be used once a year and have good credit. Both standard card and China Eastern Airlines card are acceptable.

3. Have a car driving license (must be a car, van, van, etc. ), plus the income certificate stamped by the unit, you can apply for standard cards and China Eastern Airlines cards. ;

4. If the company has paid you social security, and the payment time is more than one year and has been paid in the past three months, you can apply for a standard card, China Eastern Airlines card, etc.

5. For VIP customer service in the ward of Bank of Communications, please consult the staff in the business hall. They will handle the recommendation card for you, such as platinum card, standard card and China Eastern Airlines card. According to assets;

6. If you are a doctor, teacher or civil servant, you can apply for a business card. Please consult the staff of the business hall for details.

7. For Wal-Mart, CP, Haagen-Dazs and other co-branded cards, please contact the staff in the store or consult the staff in the business hall.

Please ask the staff in the business hall for details. After all, the specific rules of each province are different.

Except for platinum cards, the credit limit of general cards is 50 thousand. If someone tells you that his credit card limit of Bank of Communications is above 50,000, it is either a platinum card or a good loan limit (if there is such a limit, your credit card will be forced to be phased below a certain limit).

There is no way to guarantee the exact amount. Generally, if you fill in the details required in the application form, it will be higher.

Like the Y-force Youth Card, it is generally between 1.009 and 23000, and it may be 5000 or 7000.

If you use a card (that is, the second item above), the amount of your original card shall prevail (provided that it does not exceed 50,000, and if the original card exceeds 50,000, it may be less than 50,000). Applying for a driver's license may be higher, generally around 30 thousand. But none of these data can guarantee 100%, depending on the credit card center.

There is also the amount of business hall staff to handle, which is generally higher than that of online card and credit card sales staff, and there may be exceptions.

Question 6: What are the advantages and disadvantages of Bank of Communications' credit card? The landlord is happy to answer your questions, I personally think so! China Merchants Bank is more intimate. Let me tell you the advantages and disadvantages of these two banks first!

Disadvantages: 1 There is no SMS prompt when Bank of Communications repays the credit card, and you can't see the money in the account until the next day.

2. Bank of Communications said that the longest interest-free period of its credit card is 56 days, which is the longest record of interest-free credit cards in China. As for the specific algorithm, to be honest, I haven't figured it out yet.

Indeed, if you want to handle all kinds of business, you need to open the four seasons worry-free business by SMS, which costs four yuan a month. Open at least a quarter at a time.

This service is charged because Bank of Communications said that once a credit card is lost, it will be reported within 24 hours. If there is consumption in the card, Bank of Communications will be responsible. Kind of like insurance.

Advantages: Bank of Communications has many outlets, and it is an established bank after all. Convenient repayment. The credit card score of Bank of Communications is one yuan. If you spend a lot, you can change your ticket.

Some people question that China Merchants Bank is too harsh on 20 yuan, but it is not. The score of Bank of Communications is high, but it takes more points to exchange gifts, and the score of China Merchants Bank is less, but you can exchange hundreds of points for gifts and even dozens of points to catch up with activities. In terms of points, China Merchants Bank has not done much.

In terms of China Merchants Bank, the service attitude is good. As a private bank developed in recent years, it has long been eliminated because of its bad attitude ~ and it is still doing such a big business today? !

China Merchants Bank repays the loan, the front foot money is deposited, and the back foot text message is immediately received. It costs nothing.

Alas! My application for China Merchants Bank credit card failed! alas ...

The bill is clear and easy to understand. Good ~ the disadvantage is that there are fewer business outlets in my city. It is suggested that the landlord run China Merchants Bank!

Question 7: Which is better, China Merchants Credit Card or Transportation Credit Card? China Merchants Bank is better, and I'm going to cancel the traffic.

Question 8: Is the Bank of Communications credit card easy to handle? Never use the Bank of Communications credit card. I just opened one, the amount is quite large, but the handling fee is high. I also make harassing calls every day to fool me into opening various insurance and so-called bank card business.

Mobile phones also receive advertising messages every three to five times. You can handle it if you can accept it. If you don't need a lot of money, it is recommended to go to ICBC and CCB to play big banks.

Question 9: What will happen if Bank of Communications fails to repay its credit card? It depends on how much you owe the bank. Last time, it was less than 3 yuan. What happened? Because I miscalculated! The bank asked for a few minutes of interest and it was over! I'm also Liu Xiangka from Bank of Communications! If you owe more money, you will be in trouble, your credit will be destroyed, and your credit card may be frozen or even banned! If the amount exceeds 5000, the bank will apply for criminal filing! Below 5000, the bank will move things to your home! These are all bad consequences! Good luck!

Question 10: How about the credit card of Bank of Communications? Every bank's credit card is similar, but there are different preferential activities at different times of the year. The credit card of Bank of Communications is also good. If the billing date is the 9th of each month, it means that credit card consumption before the 9th will be repaid within 20 days after reconciliation, and credit card consumption after the 9th will be repaid within 20 days after reconciliation next month. This is the first question. I will send you a detailed bill every month to see if you left your work address or home address. If it is returned in advance, the consumption and repayment in the current month will be offset, and the repayment amount will be zero, that is, there is no need to return it. It's easy to spend six times a year. Supermarkets and shopping malls, everyone will visit once or twice a month, just swipe their cards. If you brush it for 6 times, you will be automatically exempted from the annual fee. Bank of Communications is free of annual fee for the first year. Brush 6 times in the first year, and the annual fee is automatically exempted in the second year. Kindly remind that credit cards should be used appropriately according to your personal situation, and never develop the bad habit of spending money and overdrawing.

Why does everyone say that the credit card of Bank of Communications is not easy to use?

Haha, it seems that everyone is a black guy of Bank of Communications ~ Many people have Bank of Communications credit cards, but few people like them. Generally speaking, there are the following points:

1, easy to get off the card-too "fraternity"

Compared with the other four state-owned banks, Bank of Communications, though distinguished, is indeed the most "omnipotent". Do many white people think it is not good to take off their cards easily? The key is that Bank of Communications is really too easy, even easier to get a card than many commercial banks.

Bank of Communications announced a stable job and paid 3 yuan continuously; College degree or above; Have a bank of communications savings card; Meet one of these three conditions, you can apply for a bank of communications credit card.

We all know that there is no perfect credit card (easy to handle, high quota, simple to withdraw cash, low risk control ...), and it is good to meet one, while the Bank of Communications card only meets the characteristics of easy to handle.

2, long ugly!

Generally, banks do activities or cooperate with other companies and supermarkets to make credit cards look better, but Bank of Communications cards are not. What impressed me the most was the card jointly launched by Bank of Communications and Lotus Supermarket in Yichu, which was directly a huge tomato with a white background: awkward capitalization! ! !

It is difficult to increase the amount.

Although it is easy to apply for a bank card, the amount is generally low. Many people's bank cards have been used for five or six years, and they still maintain the habit of spending more and swiping cards frequently, which is still several thousand yuan.

4. Strict risk control

The risk control of Bank of Communications is very strict, especially during the Chinese New Year. Because it is easy to get rid of the card, banks will start to understand Lao Lai at the end of the year in order to keep cardholders active. Moreover, once the cardholder does not pay attention to the wholesale, black and cash POS machines, it is easy to gain the upper hand and control them, and it is also possible to seal the card.

5. The service is average

In the past two years, with the complaints and feedback from users, Bank of Communications has greatly optimized consumer information notification. Before, there was no free SMS to inform account changes, not even WeChat.

You can bind WeChat now. However, SMS Level 4 worry-free service needs 4 yuan every month.

Having said so many shortcomings, I actually have a credit card of Bank of Communications. After all, Bank of Communications is an established bank with many outlets and good offline services, but online services, especially SMS, risk control and withdrawal, do have a lot of room for improvement.

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I used to be a credit card holder of Bank of Communications. Tell me about my personal experience.

1, low limit

Bank of Communications Card is the second credit card I used (the first card was China Merchants Bank Card, which was also cancelled). After more than three years of use, the credit limit of the new card is only 17000. At this time, Ping An's credit card gave me a limit of 45,000. )

2. It is difficult to increase the amount.

After changing the new card, I applied for increasing the quota several times, and the reply I got was "the comprehensive score was not enough" and was rejected. I still didn't get the answer after consulting the human service, and I felt a little arrogant.

I guess it's because I didn't make much money by stages.

3. Less concessions

In the past, it was very cheap to buy movie tickets with Bank of Communications credit card, but the coverage was not wide, the choice of cinemas was limited, and the time was specified (I forgot what day it was), and then the activity was gone.

As for other offers, I don't think I've seen them.

Let's talk about the experience of people around me using traffic credit cards. The first credit card is low, especially for white families. Most of the credit cards for male white households are in the range of 2000-5000, and most of the credit cards for female white households are in the range of 5000-8000, which is rare. Bank of Communications pays attention to academic qualifications. When applying online, if you don't have other credit cards or even academic qualifications, your job information will be added no matter how good it is. 2 1 yuan service fee is deducted from the credit card of Bank of Communications II every three months, which seems to be SMS service fee and asset insurance fee. Unless you call to cancel, it is turned on by default. It's hard to quit for the third time. Some people spend years or thousands of lines. Call customer service to apply for cash withdrawal. They always say that the comprehensive score is insufficient and the first control is too strict. It's always a single big consumption, and it's several times in a row. If you don't do it in stages, you will face card reduction.

In short, Bank of Communications is more realistic. See your qualifications and property are good, and the amount given to you is relatively high. In a few months, there will be a considerable loan for you. Once you find that your card is abnormal, or the repayment date is a few days late, it will be reduced and the card will be sealed immediately. To tell the truth, the test and audit system of Bank of Communications is really second to none. Credit cards and loans are generally approved in seconds, or refused in seconds. Big data is still quite powerful, no matter which bank it is. If you think you are the boss or have a car or a house, you can definitely apply for a large credit card. This is not necessarily true. Some credit cards will give you thousands of dollars. If you are angry, you can't wait to break up. Others will give you tens of thousands of dollars as soon as they go to work. This is beyond our control. Making good use of credit cards is a fortune. If you don't make good use of them, they are poison. Eat as much as you can.

Last Saturday, I applied to cancel the credit card of Bank of Communications through telephone banking. I have used it for 9 years. Tell me how I feel.

1. It was difficult to repay in previous years, and there were too few branches of Bank of Communications. 12- 13 repayment is not as convenient as it is now, and it really collapses every time I find an outlet to repay! It is very convenient to use Alipay and WeChat now. Deduct 2 1 yuan per month, with 9 yuan credit guarantee. 12 yuan has no worries about using the card? What! You take the money, I have a credit guarantee? I use your card and you charge me?

2. It is difficult to withdraw the amount. It took me nine years to change my card twice. The repayment has been very stable. Now the quota is only 9000. A few years ago, there was a temporary quota, which was about 1000 or 1500. I forgot. These two years have been very stable and there are no temporary places. Of course, I won't ask for too high a quota. After all, I won't spend it all, and it's not my own money that I spend on a higher amount. You have to pay it back sooner or later.

In recent six months, the number of business trips has increased, and it is often necessary to buy tickets and book rooms with credit cards. Usually, there is no discount for swiping cards, and the points are particularly cheap. You can only change a box of socks after 10 thousand. I have a joint card of CCB and China Eastern Airlines, and a joint card of CITIC and China Eastern Airlines. Compared with the credit line, the Bank of Communications credit card is particularly tasteless.

I used to work in Bank of Communications, so I can talk to you for a while:

1. The credit card clearance of Bank of Communications is not a big problem, but the quota review is very strict. Many people may have applied for a bank card very early. At this time, your income will be low. Even if you have a regular job, it's no problem to collect credit. Bank of Communications card may be issued to you, but the amount will be very low, maybe only 2000-5000.

2. If your original information is incomplete and the Bank of Communications determines that your income and property certificates are insufficient, there will be a customer service call asking you to supplement your income or residence certificate, such as the real estate license or your salary. Many people don't want to make up these cards at this time, and the Bank of Communications system will determine that your qualifications are insufficient, and the credit card limit is 2000. . .

3. Also, if you get a card at Bank of Communications, but your income has not improved significantly, the Bank of Communications system records it. For example, your monthly salary is 5000, and you have no house or car. Although you have a Bank of Communications card, you have never used it overdue, and the amount is only 1 10,000. You want to apply for another one. But the Bank of Communications system will distinguish between your income and your current total. Maybe your second card will have no limit or it won't work. Even if it is done, the limit will be 2000.

4. The favorite customers of Bank of Communications Credit Card are civil servants with stable jobs and stable income sources.

I have the most say in this, and the quota is 38,000. When you cash out, it will always ask you to do staging, and after you do OK, nothing will happen. I'm sorry if you don't do it. Paying back the money before you spend it means that your card has been cancelled. There was no reminder, no discussion, and no reduction in the quota. Please come to the counter to get cash with your ID card in a month. That's awesome! The most ridiculous thing is that it will always notify you by SMS, because you have good credit and can apply for a Bank of Communications credit card. That's a real pity.

I applied for the Bank of Communications credit card before, and then said that I had too many credit cards and the accumulated limit was too high, and then I was rejected.

I have multiple credit cards, with a high cumulative limit and no overdue records. Doesn't that prove that I am a quality customer? However, Bank of Communications obviously does not want such customers. Bank of Communications favors small white households who apply for credit cards for the first time.

I think it's ok. I use the Wal-Mart card of Bank of Communications, and there are activities in supermarkets and gas stations. Every year, there is a Super Friday activity in the supermarket, and you can buy 200 MINUS 100, which is very cost-effective. I think it is particularly good that the annual points can be converted into cash to offset the consumption of supermarkets. My other bank card points are basically useless, and there is no point in changing gifts. Might as well cash it. As for the quota, I think it's ok. Sometimes when I find myself in a different place, I will be reminded that if I brush a lot, I will be given a temporary quota, and I will also be given a quota during the Chinese New Year holiday. Buying a high-speed rail ticket or booking a hotel will also give me a temporary quota, which I think is quite intimate. Anyway, my credit card has been used for more than ten years, which is quite good.

The Bank of Communications credit card is very popular, and the probability that it is not easy to use is risk control, or the limit is reduced and the card is stopped.

In fact, the Bank of Communications credit card is still very competitive. For example, a Wal-Mart card can exchange100000 points for 950 credit cards a year (in the past, 200000 points were exchanged for 1900 credit cards, which was limited to100000 a year due to the emergence of a large number of wool gangs). This is just a card discount. You can calculate the cost of100000 points, and you will know how strong this is. You can also get gifts in combination with weekly traffic activities.

How about Bank of Communications credit card?

Relatively speaking, the amount of Bank of Communications grows slowly and the service is poor.

Insufficient system score, resulting in your credit card can not increase the limit, often means that because your income is not high, so the bank did not increase the limit for you, only if you meet good credit information and have repayment ability, then it will increase the limit for you.

Credit card repayment.

On the Similarities and Differences among Credit Card Repayment, Credit Card Trading Date and Entry Date

Trading day: Literally, it refers to the date when the cardholder actually consumes, deposits and withdraws cash, transfers money or actually conducts transactions with relevant institutions.

Bookentry date: refers to the date when the card issuer records the transaction amount in the cardholder's credit card account or records the handling fee and interest in the cardholder's credit card account according to regulations.

The trading day and posting day are sometimes the same day, and sometimes they are not. Especially in foreign consumption, the difference between the two may be more than one day.

This point, many old drivers who grab cash back from consumption abroad must have a deep understanding, and many of them are defeated because they don't understand the difference between these two dates.

It's not that everyone is inexperienced, but the entry dates of different banks are different, even the same bank is different every month. This rule is really hard to touch.

In fact, it is not only overseas activities, but many banks like to calculate their activities on the entry date. You may wish to pay attention to the detailed description of various activities to avoid accidentally falling into the pit.

About overdue credit cards

Speaking of overdue, let's explain it with a few nouns.

The billing date means that the issuing bank will regularly summarize and settle all the transactions and expenses of your credit card account in the current period every month, calculate the interest, calculate the total amount owed in the current period and the minimum repayment amount, and send you a statement (paper bills are almost extinct now, basically text messages and emails). This date is your credit card bill.

Repayment date: credit card is a non-cash transaction, and the interest-free repayment date is from the bank bookkeeping date to the due repayment date, and the last interest-free date is the last repayment date written on the bill.

The minimum repayment amount means that if the cardholder has difficulty in repaying all the payables before the due repayment date (inclusive), he can repay according to the minimum repayment amount stipulated by the issuing bank, but he cannot enjoy the interest-free repayment period. The minimum repayment amount is listed on the current bill.

Minimum repayment amount = 65,438+00% of the outstanding consumption amount within the credit line (5% in some banks), 65,438+000% of the cash advance transaction amount, and 65,438+000% of the expenses and interest of the previous minimum repayment amount exceeding the consumption amount of the credit line.

In short, as for the minimum repayment amount, just look at the items on the bill.

Ok, with the above noun explanation, this overdue is easy to explain.

If the minimum repayment amount has not been paid after the last repayment date, even if it is overdue, it may be recorded in the credit report.

The reason why it can be published in newspapers is that many banks have set aside some exemption conditions. When the technical term is tolerance, it is regarded as mercy outside the law.

"Tolerance and time tolerance" is a general term for "tolerance service" and "tolerance and time tolerance service" of bank credit cards.

"Tolerance service" means that the cardholder fails to repay in full in the current period, and if the unpaid part in the account is less than or equal to a certain amount after the due repayment date, it is deemed that the cardholder has repaid in full, and the unpaid part will be automatically transferred to the next bill, and the unpaid part will not bear interest.

"Time-tolerant service" refers to providing cardholders with a certain period of repayment grace period service, and the repayment grace period is within a few days from the due repayment date; If the cardholder repays within the repayment grace period, it is deemed that the cardholder repays on time.

The repayment date of general banks is 20 days after the bill date, and some banks are 25 days after the bill date; Generally, the holding time is 2 or 3 days (note that the holding time of ICBC is 0 days); Tolerance is generally within 10 yuan, and only China Everbright Bank can tolerate it within 100 yuan.

In addition, the time difference services of Guangfa Bank, China Everbright Bank and Shanghai Pudong Development Bank can only be enjoyed upon application. In this regard, the application time tolerance is understandable. If you realize tolerance, you will definitely pay back a few dollars. Who would bother to apply? With the threshold of application, it means that there is no such service.

So much for the introduction of Bank of Communications credit cards.