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

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.

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. The third quantity is more difficult. Some people have used it for years, thousands of years. When calling customer service to apply for a quota, they always say that the comprehensive score is insufficient. Four winds is too strict, and it is always a single large consumption, and it will be closed 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.

I applied for a bank of communications credit card around 20 14 1 1. At that time, the amount I applied for was only 1.2 million, and now the amount is 45,000. Earlier, the customer service of Bank of Communications began to send a message saying that my credit card service period had expired. Please go to the APP to fill in the mailing address and apply for a new card. I haven't filled in the address, mainly because I don't need a credit card now, and there are many reasons why I don't want to use the credit card of Bank of Communications. The other card of China Merchants Bank has been replaced with a new card. . .

From my own experience, the reasons why I don't want to renew my card and continue to use the Bank of Communications credit card are as follows:

Of course, this kind of advertising is everywhere, mainly because these advertisements are activities, and the intensity of activities is simply not enough. Basically, we can't give discounts to small users like us. What personal feelings of swiping a card are chicken ribs;

It is estimated that many friends know that it is difficult to increase the quota of Bank of Communications, either by spending money or applying for a loan. I have used a 24-phase renovation loan before, with a monthly interest of more than 200. When the 24-phase loan comes down, the amount will go up. If you raise the amount yourself, it won't work. There is only one word for review-card.

Opening a card is free in the first year, but will you say that I didn't spend money in the future? Can't you get an annual fee free if you spend a certain amount? But in fact, I always deduct the annual fee every month during the installment period, that is, in June 5438+065438+ 10, when I didn't renew my card, I still paid the annual fee for one month.

The biggest feeling is that the above capital loan is eating your interest.

Basically, there are many provincial capital cities, such as my prefecture-level city, which actually have no Bank of Communications outlets. If you need to handle business at the counter, you can only do it in the card-issuing city. There is a joke that I went to CCB to handle the business of Bank of Communications, which was very embarrassing at that time. . .

That's why I don't want to use the Bank of Communications credit card now. Thank you for reading!

My Bank of Communications credit card was opened in 2007. At the beginning, it was only 1.500 yuan, six months 18000 yuan, and then 28000 yuan in six months. After another year, I directly spent 39,000 yuan, which is quite a lot. During this period, it has never been overdue. Repayment is a bound savings card, which was then a salary card. I never have to worry about repayment, and short trips are free. But a short message on 20 1 1 told me that since I cashed out, the quota will be reduced to 2000 yuan from next month. 20 10, the salary is transferred to China Bank, not the Bank of Communications credit card, or 2000. Don't use this card number backwards. Use it. The trouble is not to upgrade.

My bank limit is thirty-two thousand! Question: This is my first credit card, but the bank is taking it back.