Is China Resources Bank Card easy to use?

Which is better, Bank of Guangzhou or China Resources Bank?

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Around the lobby The lobby service performed by the manager is the "face" of the bank. In June, Sina Guangdong's "Ranking of the Best Bank Outlet Lobby Services in Guangzhou" was officially released. The survey combined public voting and on-site visits by mysterious visitors to provide an in-depth experience of the lobby services at the core branches of major banks in Guangzhou.

The results show that Ping An, China Resources, Guangzhou Rural Commercial Bank, CITIC and China Merchants Bank ranked among the top five, becoming the bank branches with the best lobby services. National joint-stock banks performed outstandingly, occupying four of the top five seats. The banks with comprehensive scores below 60 points are HSBC, China Construction Bank, Hang Seng, Nanyue Bank, Industrial Bank, and Bank of Guangzhou. Among them, there are five major banks in China, and foreign banks are both at the bottom. Among city commercial banks, Guangdong Nanyue Bank is third from the bottom, and Bank of Guangzhou is last. First.

The overall performance of joint-stock banks is outstanding, but Industrial Bank ranks second to last

The bank branches selected for this survey are all from the core branches established by 24 banks in Guangzhou. During the half-month survey, 2,682 people participated in online ratings, and Sina Guangdong sent 48 mysterious visitors for offline visits.

According to the final results, the performance of national joint-stock banks was quite good, with four of the top five taking place. However, Industrial Bank, known as the "Equator Bank", ranked second to last.

The overall performance of the five major banks was unsatisfactory, and China Construction Bank’s overall score was less than 60 points, ranking fifth from the bottom. The poor performance of CCB's lobby service is mainly reflected in the fact that the lobby manager is not on duty continuously. During the visit, the mysterious visitor reported that the lobby manager of the sales department of China Construction Bank Guangdong Branch was sitting in a corner, so customers could not find the lobby manager when they wanted to consult.

Hang Seng and HSBC, two foreign banks, are still "unacclimated" and ranked fourth and sixth from the bottom. The main points lost were unclear functional divisions of the outlets, no lobby manager on constant duty, and a small number of lobby service staff.

Ping An Bank has 6 lobby managers and CITIC Bank takes the initiative to deliver tea to customers

According to the "Evaluation System for Civilized and Standardized Service Standards for China's Banking Business Outlets" issued by the China Banking Association in 2017 (CBSS10003.0)" (hereinafter referred to as the "Evaluation System"), in the lobby service of bank branches, the lobby manager must be sincere and the hall must be kept clean and tidy. In this survey, 90% of bank branches can do this.

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The online banking experience area of ??the business department of China Resources Bank Guangzhou Branch

Among the 24 bank branches in this survey, the lobby manager The service attitude has been affirmed by nearly 70% of the mysterious visitors, among whom the mysterious visitors unanimously gave "very satisfactory" evaluations to the top four banks and the Postal Savings Bank of China.

Twenty percent of outlets proactively provide tea to customers, and nearly 40% of outlets ask the lobby manager to say goodbye when customers leave. According to feedback from mysterious visitors, 40% of bank branches can easily find three or more lobby managers. Among them, Ping An Bank has 6-8 lobby service staff, who ask customers' needs one by one. Lobby service staff of banks such as China CITIC Bank proactively bring tea to customers, making mysterious visitors feel "warm and considerate." The mysterious visitor Mr. Wang reported that during the visit, he saw the lobby manager of China Resources Bank with a smile on his face. When a customer left, he reminded him that his bag was not zipped up.

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The lobby service staff of the business department of Ping An Bank Guangzhou Branch guide customers to operate smart devices

According to statistics, the number of people surveyed in this survey The lobby managers of 40% of the outlets did not take the initiative to receive visitors, while 20% of the outlets did not have lobby managers on duty continuously, and 30% of the mysterious visitors discovered that security guards were performing their duties on behalf of the lobby managers. The investigation shows that Nanyue Bank, HSBC, and Guangzhou Bank have no lobby managers on duty at different times. At Industrial Bank, lobby managers gather together and do not proactively inquire about customer needs.

In addition, two mysterious visitors reported that although the business department of China Construction Bank Guangdong Branch has a lobby manager, he is not at the front desk, and there is no "Inspection" sign. Instead, he sits in a corner for a long time. As a result, there is no one to greet customers when they come in. They need to take a number by themselves. When consulting business, they cannot find the lobby manager. Mysterious visitor Ms. Yang reported that bank service staff in work clothes asked security guards to help customers use the ATM. However, according to the content of the "Evaluation System", security guards are not allowed to perform the duties of the lobby manager, so they are not allowed to help customers use the ATM.

What is a joint account? The lobby managers of nearly 30% of the banks were clueless

Among the 24 bank branches surveyed in this survey, the professionalism of the lobby managers of nearly 70% of the branches satisfied the mystery visitors. The professional service level of the top four banks all made the mysterious visitor evaluate it as "very satisfied".

According to the content of the "Evaluation System", lobby managers need to guide and divert customers, need to be familiar with the use of various self-service smart devices, and the functional divisions of outlets need to be reasonably distributed, etc. According to the survey, more than 80% of bank outlets can Do it.

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The business department of Shanghai Pudong Development Bank Guangzhou Branch has clear functional divisions, which customers can understand at a glance.

In order to test the familiarity of the lobby managers of each bank with the business, this survey set the question "Ask the lobby manager about joint accounts". The results show that nearly 30% of bank outlets have individual lobby managers who are unclear about joint accounts. Phenomenon.

According to the feedback from the mysterious visitor Ms. Chen, the lobby manager of Hua Xia Bank first tried to explain the joint account. When he found that the explanation could not be made clear, he immediately called others to consult. At the same time, there was also feedback from mysterious visitors. One of the two lobby managers of China Everbright Bank introduced that the bank cannot handle joint accounts, but can handle primary and secondary cards, while the other one was completely unclear; two lobby managers of the business department of Guangzhou Branch of Bohai Bank I have no idea about the handling of joint accounts.

The customer service desk of the business department of Hang Seng Bank Guangzhou Branch is handled by an intern who does not know the relevant business. Mysterious visitor Ms. Liu reported that the business processing documents of Huacheng Square Branch of Bank of Guangzhou were not placed in an obvious place, and the lobby manager was not familiar with the business process.

However, there are also bank branches that perform well. CITIC, Bank of Communications, and ICBC can all quickly answer questions raised by mysterious visitors about joint account opening, credit card processing, etc. According to feedback from the mysterious visitor Ms. Liang, the lobby manager of CITIC Bank also explained clearly to customers the differences between joint accounts, merchant co-branded cards, and primary and secondary debit cards; the mysterious visitor Ms. Liu reported that during this visit, When applying for a credit card from the Bank of Communications, its lobby manager cannot authorize other institutions to check personal credit information at will.

Bank lobby service ranking: Ping An ranks first, CCB ranks last, Guangzhou Bank ranks last

Is Guangdong China Resources Bank's credit card risk control strict?

Strict. Every bank will be subject to bank risk control if there are cross-regional card swiping, frequent large-amount purchases, or other bank risk control systems that automatically capture account abnormalities. Every bank is very strict in terms of risk control, and will be subject to risk control. This results in the credit card being frozen, the limit reduced, the application being unable to be approved after the temporary limit expires, and even affecting the personal credit report.

How is Foshan China Resources Bank

Foshan China Resources Bank is very good. China Resources Bank has a high reputation. Although its popularity is not as high as that of the major banks such as Agricultural Bank of China and China Construction Bank, this bank has a very good reputation and a good reputation. It is also the first regional city to launch a direct selling bank. Trading firm. Currently, China Resources Bank has 7 remote branches, 85 sub-branches and 2 holding rural banks.

What is the use of China Resources Bank debit card?

Deposit and withdraw cash, transfer consumption, etc.

1. The function of debit card is relatively powerful. It can be used to deposit and withdraw cash, transfer money, pay utility bills and make online purchases. It can also be used to purchase financial products, stocks, futures, funds and other financial services. To put it bluntly, a debit card can do almost everything except the overdraft function of a credit card. Relatively speaking, the functions of debit cards are relatively limited. Debit cards are limited to functions such as deposits and withdrawals, transfers, remittances and payment of living expenses. It cannot purchase stock funds and other financial products.

1. Zhuhai China Resources Bank Co., Ltd., headquartered in Zhuhai City, Guangdong Province, China, was established in December 1996. It was formerly known as Zhuhai Commercial Bank Co., Ltd. and is a local city commercial bank. China Resources Group withdrew from Hong Kong Resources Bank in 2011 and was acquired by China Resources Group. Currently, it has controlling interests in 2 branches, 51 sub-branches and 2 rural banks. On March 9, 2020, the "2019 China Banking Industry Top 100 List" was released, and Zhuhai China Resources Bank ranked 91st. On April 25, 2021, the official website of Zhuhai China Resources Bank released the "Announcement on Change of Chairman of China Resources Bank Co., Ltd., Zhuhai", indicating that the ninth meeting of the sixth board of directors of China Zhuhai Resources Bank agreed to elect LiFuli as chairman of China Resources Bank .

2. Zhuhai Commercial Bank issued an announcement in April 2011 stating that with the approval of the China Banking Regulatory Commission and the Zhuhai Administration for Industry and Commerce, the name of the bank was changed from "Zhuhai Commercial Bank Co., Ltd. " was changed to "Zhuhai China Resources Bank Co., Ltd." (hereinafter referred to as Zhuhai China Resources Bank), and the English name was changed to "Zhuhai China Resources Bank Co., Ltd.". On April 11, 2011, the bank officially launched the changed name, official seal, etc. At the same time, the announcement clearly stated: "This name change does not affect the rights and obligations of customers and banks. The claims and debts of the original Zhuhai Commercial Bank and its subsidiaries are owned by Zhuhai China Resources Bank and its subsidiaries. Subordinate branches enjoy and bear them. ”

3. The success of the reorganization has injected new vitality into Zhuhai China Resources Bank, and various operating and risk control indicators have reached the best level in history. By the end of 2011, Zhuhai China Resources Bank’s total assets reached 46.3 billion yuan. Various deposits and loans grew rapidly. By the end of 2014, China Resources Bank Zhuhai's total assets had reached 102.7 billion yuan, officially entering the 100 billion club. It was the first independent legal person enterprise in Zhuhai with assets exceeding 100 billion yuan. It consists of 2 branches, Shenzhen Branch and Zhongshan Branch, 51 sub-branches and 1 head office business department and 2 rural banks. The main businesses include: corporate business, retail business and financial market business.

Does China Resources Bank have a credit card? Apply for a China Resources Bank credit card

Yes, the counter application process:

Go to the bank branch where the credit card is processed, or find a local construction company Staff at the bank's credit card center fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

Submit certain copies of certificates and certificates to the card issuing bank;

After filling in the application form truthfully, you must submit relevant credit certificates together with the completed application form;

The application form is accompanied by a credit card use contract, and the applicant authorizes it The card-issuing bank or relevant departments will investigate the relevant information and submit a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have my signature;

The credit card application process is basically completed and waiting for the credit card to be issued.

The difference between China Resources Bank Platinum Card and Gold Card

The difference between China Resources Bank Platinum Card and Gold Card is as follows:

1. Different application conditions

The application conditions for the China Resources Bank Gold Card are that the applicant is over 18 years old, has a stable job and income, and has good personal credit. Those with an annual income of more than 400,000 yuan are more likely to be approved for the Gold Card. Those who do not meet the requirements are generally Applications will be restricted.

And China Resources Bank Platinum Card cannot be applied for directly. Generally, the bank actively invites qualified customers to apply for Platinum Cards. Platinum Card customers can enjoy Platinum customer service hotline services and distinguished value-added services, and are provided with Platinum Cards. Higher-end services and rights.

2. The approved limits are different

The limit of China Resources Bank Gold Card is generally 10,000 yuan to 50,000 yuan; the limit of Platinum Card is 100,000 or even 500,000 or higher, depending on the customer’s Depends on qualification level.

3. The annual fees are different

The annual fee of China Resources Bank Platinum Card is higher than that of Gold Card, while the annual fee of Gold Card is higher than that of regular card.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

As of January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiations, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. is 0.7 times the daily interest rate of 5/10,000).

This is the end of the introduction about China Resources Bank Credit Card and whether China Resources Bank Card is easy to use. Did you find the information you need?