Why do people say that Bank of Communications credit cards are not easy to use?

Haha, it seems that everyone is a Bank of Communications person. There are many people who have Bank of Communications credit cards, but there are very few people who like Bank of Communications cards. In general, there are the following points:

1. Easy to apply for a card - too "philanthropic"

Compared with the other four major state-owned banks, although Bank of Communications has a distinguished status, it is indeed the most "fraternal". Many novices think it’s not good to play cards easily? The key is that it is really easy to get a card from Bank of Communications, even easier than many commercial banks.

The Bank of Communications claims to the outside world: have a stable job, pay three deposits continuously; have a college degree or above; have a Bank of Communications savings card; if you 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 apply for the card, high limit, easy to increase the limit, small risk control...). It is good if it can satisfy one of them, and the Bank of Communications card only satisfies one of them. It is easy to remove the card.

2. Ugly!

Generally, credit cards produced by banks through activities or jointly with other companies and supermarkets are more attractive, but this is not the case with Bank of Communications cards. What I remember particularly deeply is the card jointly launched by Bank of Communications and CP Lotus Supermarket. , it’s just a huge tomato with a white background: it’s so awkward in capital letters! ! !

3. It is difficult to raise the limit

Although it is easy to apply for a Bank of Communications card, the limit is generally very low. Many people have used Bank of Communications cards for 5 or 6 years and maintain the habit of spending more and swiping their cards frequently, but the limit is still several thousand yuan.

4. Strict risk control

Bank of Communications' risk control is very strict, especially during the Chinese New Year period, because it is easy to cancel the card. In order to maintain the activity of cardholders, the bank At the end of the year, I will also start to understand Lao Lai. Moreover, once the cardholder inadvertently uses a wholesale, black card, or cash-out POS machine, it is easy to get caught up in risk control. It is possible to reduce the limit, but it is also possible to have the card blocked.

5. The service is average

In the past two years, following user complaints and feedback, Bank of Communications has made major optimizations in consumer information notifications. In the past, there was no free SMS notification of account changes. , not even WeChat.

Now you can bind WeChat. But the fourth-level worry-free service of mobile phone text messages costs 4 yuan per month.

Having said so many disadvantages, in fact I also have a credit card from Bank of Communications. After all, Bank of Communications is an old bank with many branches. The offline services are actually good, but the online services, especially text messages, risk control, and cash withdrawals, are very bad. Well, there is really a lot of room for improvement in this area.

.

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

1. Low limit

The Bank of Communications card is the second credit card I have used (the first one was the China Merchants Bank card, which was also closed). I have used it for more than 3 years and then changed it. The limit of the new card is only 17,000. (At this time, the credit limit given to me by Ping An’s credit card was 45,000)

2. It is difficult to increase the limit

After changing to a new card, I applied several times to increase the fixed limit, but the answer was “comprehensive” "Insufficient rating" was rejected, and I consulted the human service, but there was still no answer, which felt a bit arrogant.

Thinking about it, I guess it’s because my installment payment was too small and the Bank of Communications didn’t make much money.

3. Few discounts

In the past, it was very cheap to buy movie tickets with a Bank of Communications credit card, but the coverage was not wide, the theaters to choose from were limited, and the time was specified (I forgot the specific time) which day of the week), and then the activities disappeared.

As for other discounts, I don’t seem to have seen them.

Tell me about the experience of people around me using transportation credit cards. The credit limit for the first purchase is low, especially for white households. The limit for male white households is mostly between 2,000 and 5,000. For female white households, the credit limit is higher. Most are between 5,000 and 8,000, and very few exceed tens of thousands. The Bank of Communications also emphasizes academic qualifications. When applying online, if you don’t have a credit card through it and don’t even have an academic qualification, no matter how well you add your work information, it will basically It was also rejected instantly. Secondly, the Bank of Communications credit card deducts a service fee of 21 yuan every three months, which seems to be SMS service fee and asset insurance fee. Unless you take the initiative to call to cancel, otherwise it will be activated by default. Thirdly, it is difficult to raise the amount. Some people have used the quota for several years and still have it in the thousands. When they call customer service to apply for a quota increase, they always say that the comprehensive score is insufficient. The fourth risk control is too strict. They always make large purchases in a single transaction several times in a row. If they do not apply for installments, they will Facing derating and blocking.

In short, Bank of Communications is more realistic. If you have good qualifications and property, the credit limit given to you will be relatively high. It will give you a considerable loan after a few months. Once it is found that you are using the card abnormally, Or if you repay the loan a few days late, you will be immediately reduced or your card will be blocked. To be honest, Bank of Communications’ inspection and review system is second to none. When reviewing credit cards and loans, they are usually approved or rejected in seconds. Big data is quite Awesome, no matter which bank has its own set of review standards, if you think you are the boss or have a car and a house, you will definitely be able to apply for a large credit card. This is not necessarily the case. Some banks will give you a few thousand, which will make you angry. Break it up. Some people may have a credit limit of tens of thousands just for working part-time. This is all beyond our control. Credit cards are treasures if used well, but they are poison if used poorly. Do what you can within your ability. How big is it? Eat as much food as your stomach.

I applied to cancel the Bank of Communications credit card through telephone banking last Saturday. I have used it for 9 years. Let me tell you how I feel.

1. It was difficult to repay the loan in the first few years. , there are too few Bank of Communications outlets, and repayment in 2012-13 is not as convenient as it is now. Every time I go to an outlet to repay, I feel really broken! Now it is very convenient to use Alipay and WeChat. 21 yuan deducted every month, 9 yuan credit protection and 12 yuan worry-free card use? What! Once you collect the money, I will have credit protection? I use your card and you charge me money while letting me worry-free?

2. It is difficult to raise the credit limit. It took me 9 years and changed the card twice. Repayments have been stable. The current quota is only 9,000. There was a temporary quota a few years ago, maybe 1,000 or 1,500, I forgot. It has been very stable in the past two years, especially stable with no temporary quota. Of course, I won’t ask for a too high limit. After all, I won’t use it all. No matter how high the limit is, the money I spend is not my own money. It will have to be paid back sooner or later.

3. The number of business trips has increased in the past six months, and I often have to use credit cards to buy tickets and book rooms. There are no discounts for swiping the card, and the points are very cheap. More than 10,000 points can only be exchanged for a box of socks. I applied for a co-branded card from China Construction Bank and China Eastern Airlines, and a co-branded card from CITIC and China Eastern Airlines. Comparing the credit limits, the Bank of Communications credit card seems particularly useless.

I used to work at the Bank of Communications. I can chat with you a little bit:

1. There is no big problem in passing the credit card of the Bank of Communications, but the limit review is very strict, and there are many It may be very early for people to apply for a Bank of Communications card. At this time, your income is low. Even if you have a regular job and your credit is no problem, the Bank of Communications card may be issued to you, but the limit will be very low, maybe only 2,000--5,000< /p>

2. If your original information is incomplete and the Bank of Communications determines that your income and property certificates are insufficient, customer service will call you to complete the income or residence certificates: such as real estate certificates or your salary slips. Many people At this time, if you don't want to fill in the trouble and don't want to provide such good certificates, the Bank of Communications system will judge that you are not qualified enough and the credit card limit is two thousand. . .

3. Also, if you apply for a card at the Bank of Communications but your income does not increase significantly, the Bank of Communications system will record it. For example, if your monthly income is 5,000, you have no house or car. You have applied for a Bank of Communications card, and it has never expired. The limit is only 10,000, and you want to apply for another one. However, the Bank of Communications system will determine your income and your current total limit. Maybe your second card will have no limit or you will not be able to apply for it. Even if you do, the limit will be 2,000.

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

I have the most say on this. The limit is 38,000. After you cash out It will keep calling you to make installments, but nothing will happen if you make OK. If you don't do it, I'm sorry. When you pay back the money and then go to spend money, it will show that your card has been canceled. There is no reminder, no negotiation, and no limit reduction. If you exceed the limit, please take your ID card to the counter to collect cash in one month. So awesome! The most ridiculous thing is that it will constantly notify you through text messages that you can apply for a Bank of Communications credit card because you have good credit. It's really shameless to the extreme.

I applied for a Bank of Communications credit card before, but was rejected because I had too many credit cards and the cumulative limit was too high.

I have many credit cards, a high accumulated limit, and no overdue records. Doesn’t that prove that I am a high-quality customer? But the Bank of Communications obviously does not care about this kind of customers. It prefers novices who apply for a credit card for the first time.

I think it’s okay. The Wal-Mart card I use from Bank of Communications has activities in supermarkets and gas stations. Every year, there is a Super Friday event in the supermarket where you can get 100 off when you buy 200 yuan. It’s a good deal. The points earned each year can be converted into cash to offset supermarket purchases, which I think is particularly good. The points from my other bank cards are basically useless, and it’s meaningless to calculate them in exchange for gifts. It's really not as good as converting it into cash. As for the limit, I think it’s okay. Sometimes when I’m found in a different place, I’ll be reminded that if I make a large amount, I’ll be given a temporary limit increase, and the limit will also be increased during the New Year and holidays. If I buy a high-speed rail ticket or book a hotel, I will be given a temporary credit limit, which I think is very considerate. Anyway, I have been using this credit card for more than ten years, which is pretty good.

Bank of Communications credit cards are very popular. People who say they are not easy to use are most likely to have risk control or have their credit limits reduced or their cards suspended.

In fact, Bank of Communications credit cards are still very competitive. For example, with the Wal-Mart Card, you can use 100,000 points to exchange for 950 card credit in a year (previously, 200,000 points were exchanged for 1,900 card credit. Due to the emergence of a large number of wooly parties, This leads to a limit of 100,000 points a year) This is only a discount for one card type. You can calculate the cost of 100,000 points to know how powerful this is. You can also combine it with transportation weekly swiping activities to get gifts at the same time. Swipe card money, why not!