Handle credit cards of major banks.

Cardholders must see: the advantages and disadvantages of credit cards of major banks, application conditions, suitable for the crowd.

Advantages and disadvantages of PK in four major banks

I. Industrial and Commercial Bank of China

Netizens claim to be the first line in the universe-not taking the usual path. ICBC is approved by the local card department, not a credit card center.

First of all, ICBC has the so-called star rating as a reference value for card approval. If you have a savings card in ICBC, you will have a so-called star rating. Without business with ICBC, there is no star rating. This is only used as a reference value and does not affect the audit.

Advantages:

There is no handling fee for withdrawal; The amount has increased rapidly; Consumption SMS reminder is free; There are three options for consumer passwords: all transactions do not require passwords; A password is required for transactions exceeding the limit; The longest interest-free period is 56 days; If it is not fully repaid, no interest will be charged on the repaid part.

Disadvantages:

It can be said that there is basically no discount, and the points are of little use.

Card preparation materials: ID card, bank account, car fare, real estate. If you want a high credit card, please deposit at least 50 thousand yuan on a regular basis and do it in a week.

Second, the Construction Bank:

It is a friendly bank among the four major banks, and it is easier to apply for a card. The quota is not bad.

Advantages:

The application threshold is low; Some cards wash cars for free; There are relatively many preferential merchants; Points can be exchanged for mileage; No quota by stages; Brush 3 times free of annual fee.

Disadvantages:

No SMS notification; Short interest-free period

Materials for card application: ID card, bank account, garage, real estate, time deposit and card application.

Suitable for the crowd: it is a great benefit for car owners and foodies! If you are one of them, do it decisively!

3. Bank of China:

The biggest and most stingy bank, (no one, I don't tell the advantages of ordinary people:

Integral is valuable; Many outlets; There are SMS reminders; There are many preferential activities.

Disadvantages:

The card threshold is high; You can only apply for withdrawal twice a year; Attach great importance to deposits; Supplementary cards need to be repaid separately.

Preparation materials for card application: ID card, bank account, work certificate and RMB deposit of BOC.

Suitable for the crowd: trapeze! I can't think of a better word, I'm drunk ~)

Four. Agricultural Bank:

There are many merchants who cooperate with ABC cards, and there are also many co-branded cards, which can be said to be relatively close to the people.

Advantages:

Many activities; Many outlets; Quickly increase the amount; 56 days interest-free period; Free SMS reminder; There are credit card customers, business travel and professional services.

Disadvantages:

High threshold; The quota is low, and the quota for applying for 500 cards is too much; Long approval time; Integer 0

Application materials: ID card, bank account number, work certificate, social security card, and it is necessary!

Suitable for the crowd: eating goods, of course, the rest can be considered a little ~

Verb (abbreviation of verb) China Merchants Bank:

Apart from ICBC, it is the best credit card of China Merchants Bank, with the number of cards issued at 20 14 ranking first in China.

Advantages:

1. excellent service (even if you owe money. . . 2. The quota is relatively high; 3. Humanized amount; 4. There are many activities. 5. All the card bills are integrated.

Disadvantages:

1. Some online shopping limits are only 500; Yuan Cai 1 integral; 3. Most online shopping has no points.

Materials for card preparation: ID card is enough (compared with the above banks, do you think it is the same as "angel"? )

Suitable for people: 18-60 years old!

6. China Everbright Bank:

A popular bank has a large number of credit card users and strong activities.

Advantages:

1. The card face looks beautiful. 2. Low threshold; 3. There are many activities; 4. Brush 3 times for free annual fee; 5. Free SMS reminder; 6. Online shopping has points

Disadvantages:

1. The installment fee is very high; 2. There are almost no exits

Application materials: ID card is enough.

Suitable for the crowd: suitable for young people who love online shopping and entities (the entity discount is still quite powerful)

Seven. Industrial Bank:

A relatively distinctive bank has a good credit card application amount.

Advantages:

1. Gold card can enjoy the airport VIP room; 2. The integral is permanently valid and not cleared; 3. Points can be exchanged for mileage; 4. The minimum monthly repayment amount is 5%, and the general bank 10%.

Disadvantages:

1. There are no 400 or 800 telephones; 2. Less outlets; 3. Relatively speaking, I discriminate against rural hukou and men, and like sister paper (I have been discriminated against! )

Materials for card application: ID card, bank account, financial certificate, credit card of other bank (if any).

Suitable for people: friends who often fly and don't want to pay the annual fee of platinum card.

8. Bank of Communications:

The credit card approval rate of this bank is particularly good, and almost all of them have passed. Once I applied for a card online and received an approval message 15 minutes after I applied for the card.

Advantages:

1. The threshold is very low; 2. The initial amount is very high; 3. There are many discounts; 4. Easy repayment.

Disadvantages:

1. Only the system can actively withdraw the amount, 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. Strict risk control.

Application materials: ID card is enough.

Applicable people: because there are many activities, it is suitable for all friends who love to take advantage of it ~ but it needs to be reminded that there are not many discounts for these activities! Don't lose big because of small things.

9. CITIC Bank:

A bottomless bank, nothing, and I like to make some small mistakes.

Advantages:

1. There are many activities; 2. Fudge customer service to get a lifetime free annual fee; 3. Integral is easy to get; 4. The card is used well, and there is also the so-called "credit fund" and "new fast web" business. If you have more money, you can use it to roll wool!

Disadvantages:

1. The installment fee is very high; 2. Pit dad SMS reminder fee; 3. The interest-free period is not long; 4. Risk control is very strict. I'll call you if I have nothing to do and ask you what you just bought with your credit card (my general answer is: it's none of your business, who are you? )

Card preparation materials: ID card is enough, and credit card is higher.

Applicable people: because there are many activities, it is suitable for all friends who love to take advantage ~

X. Ping An Bank:

This guy used to do insurance, but now he has a bank! Automobile production is their mother!

Advantages:

Hourly road rescue; 2. There are many accident insurance and hospitalization subsidy insurance. (I have become a bank and I still can't change the style of selling insurance! ); If you have a car, your quota will increase; 4. There are many activities

Disadvantages:

1. SMS reminder fee; 2. The points are worthless; There are many advertisements

Materials for card preparation: automobile production, ID card, other bank credit card, and bank running water.

Applicable people: car owners and friends who love to travel.

How's it going? I'm sure you've seen them all, but haven't you seen such a complete collection of credit cards? Of course, the contents introduced here are only personal opinions and experiences. It is better for everyone to choose a credit card according to their own ideas!

Which bank has a better credit card?

The better credit cards are China Merchants Bank, Bank of Communications, Industrial and Commercial Bank of China, China Construction Bank and China Bank.

1, "China Merchants Bank Credit Card": suitable for friends who value service over points. This kind of credit card not only has many kinds of cards and beautiful design, but also has low application threshold, permanent and effective points and convenient repayment. However, one credit card in 20 yuan is not counted as zero, and the credit policy is very inhuman. The interest-free period is 18 days, which is the shortest among all card issuers. You can call customer service at 800-820-5555 and 95555 for detailed inquiry.

2. "Bank of Communications Credit Card": Suitable for friends who often buy household appliances (Suning Card can enjoy double Suning points). The credit card application threshold is low, the withdrawal is fast, and the interest-free period is 56 days. With YP card, you can 100% cash withdrawal, but the credit card installment operation is cumbersome and the points are not permanently valid. The total consumption of all cards will not be automatically counted, so it needs to be repaid separately. You can call customer service at 800-988-8888 and 95559 for detailed inquiry.

3. "China Industrial and Commercial Bank Credit Card": Suitable for friends who don't have local joint-stock commercial banks and often like to withdraw cash by overdraft. This credit card is the bank with the largest number of outlets in China at present, and it can be withdrawn unlimited times, and there is no handling fee for local cash withdrawal. Different brands of international cards have independent quotas. However, this kind of credit card not only has high application threshold, but also has poor service attitude of branches. Without 800 telephones, 400 pages are not open to individual users. You can call customer service at 95588 for detailed inquiry.

4. "China Construction Bank Credit Card": Suitable for friends who don't have joint-stock commercial banks locally. Compared with the other three state-owned banks, this credit card has a lower application threshold, and the minimum repayment supports overdraft withdrawal. Credit cards, on the other hand, are generally low in amount and slow in cash withdrawal, and will not automatically count the total consumption of all cards, so they need to be repaid separately. You can call customer service at 800-820-0588 for detailed inquiry.

5. "China Bank Credit Card": It is suitable for collecting Olympic cards. This credit card is the earliest credit card issuer in China, and overdraft can be counted as points. However, the cancellation of this credit card has to go to the business outlets, and Alipay is not supported. Great Wall International only uses 800 credit cards, and overdraft withdrawal does not support the minimum repayment amount. You can call customer service telephone numbers: 400-669-5566, 800-820-5288 (international card) and 95566 for detailed inquiry.

Select comments:

1, select the appropriate card issuer.

The first step in choosing a credit card is to choose a suitable credit card issuer. Some credit card issuers have many preferential activities, and it is easy to apply for credit cards and issue cards. And some credit card issuers are just the opposite.

2. It is more convenient to cancel the card.

It is better for the credit card issuing bank to have a credit card outlet in the city where the address of the habitual residence is located, so it is more convenient to apply for and apply for a credit card. Otherwise, it is easy to apply for a credit card, and it is more troublesome to cancel it.

Which bank has the best credit card?

Credit cards of China Merchants Bank, China Everbright Bank and Ping An Bank are relatively easy to handle.

Supplementary information:

Credit card processing of China Merchants Bank, China Everbright and Ping An is very simple, as long as you have work permit, medical insurance card and ID card. China Merchants Bank can also apply for completing the information directly in the credit card official website, and the bank will send the credit card after checking it. In terms of quota, these three banks will also be higher than the four major state-owned banks.

Extended data:

1. The application conditions of China Merchants Bank credit card are:

1. Applicant 18 to 60 years old, with China nationality.

2, the applicant should have a relatively stable job and income, the average monthly income of not less than 3000 yuan.

3. The applicant should provide the bank running statement of the salary card and the list of social security personal accounts in the past six months. If you have a car and a house, you can also provide a real estate license and a car driving license.

4. The applicant must have a fixed residence, and can provide proof of permanent residence and payment documents for daily life.

The applicant should have good personal credit.

As we all know, if you want to apply for a credit card of China Merchants Bank, you need to be at least 18 years old, have a stable job and income, have qualified personal credit information and so on.

6. Credit card applicants of China Merchants Bank must have certain economic ability and no bad credit record. Applicants should be 18~60 years old (foreigners are 25~60 years old).

Two. Basic conditions for credit card of China Everbright Bank:

1. Credit card applicants must be between 18-65 years old (inclusive), have full capacity for civil conduct, have legal and stable income, and their personal credit report in China People's Bank meets the applicable conditions for issuing cards in China Everbright Bank.

2. Original valid ID card (including but not limited to domestic resident ID card, foreign passport, Hong Kong and Macao residents' travel permit to and from the mainland, mainland travel permit for taiwan residents, etc.). ) should be provided as required.

What bank handles credit cards?

There are many banks that can handle credit cards, such as:

1. Four state-owned banks: China Construction Bank, China Bank, China Agricultural Bank and China Industrial and Commercial Bank.

2. Joint-stock commercial banks: Ping An Bank, China Guangfa Bank, China Everbright Bank, Industrial Bank, Shanghai Pudong Development Bank, China Merchants Bank, Huaxia Bank and China CITIC Bank.

3. City commercial banks: Bank of Beijing, Bank of Shanghai, Bank of Hankou, bank of tianjin, Bank of Hebei, Bank of Bank of Ningbo, Bank of Jiangsu, Bank of Shengjing, Bank of Nanjing, Bank of Guangzhou, etc.

Brief introduction of China Construction Bank:

ChinaConstructionBank, formerly known as People's Construction Bank of China, was established in June 1 954+1October1(later renamed China Construction Bank on March 26th, 1996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

Brief introduction of Ping An Bank:

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province. China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank.

Brief introduction of China Everbright Bank:

China Everbright Bank (China Everbright Bank) was established in August, 1992. It is a national joint-stock commercial bank approved by the People's Bank of China and headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 20 10 and on the Hong Kong Stock Exchange in February 20 13.

What banks can handle credit cards? Please name them.

There are many banks that can handle credit cards, such as 1, and the four major domestic banks: China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank. 2. Joint-stock commercial banks: China Merchants Bank, Huaxia Bank, China CITIC Bank, Ping An Bank, China Everbright Bank, Industrial Bank, China Guangfa Bank and Shanghai Pudong Development Bank. 3. Some local banks can also handle credit cards, such as Bank of Beijing, Bank of Shanghai, Bank of Jiangsu, Bank of bank of tianjin, Bank of Hebei, Bank of Shengjing, Bank of Nanjing, Bank of Hankou, Bank of Bank of Ningbo and Bank of Guangzhou.

What are the requirements for credit card processing? Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card business specifically for college students. This is unconditional credit card processing, and college students only need to bring their personal documents and student ID cards to the bank for processing. First of all,/kloc-citizens over 0/8 years old with civil capacity are required. Require a stable income and provide proof of income, one is to prove repayment ability, and the other is to refer to the establishment of credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card, and the process will be much easier. Personal credit should be good and there is no bad record. Whether you can successfully apply for a credit card is also related to your occupation, such as security guard, self-employed, farmer and so on. Personnel from other places, overseas and officers in active service shall obtain certificates in their own names on the basis of temporary accounts issued by local public security departments or certificates issued by relevant departments, and must provide guarantee units with guarantee conditions or guarantors with local accounts and working in the local area.

Credit card applications can be processed through the bank counter or online. If you go to the counter, you need to bring your ID card to the bank, explain your purpose to the staff, and fill out the credit card application form according to the requirements of the staff. Usually there will be a reply in half a month. If the application is successful, you will receive the corresponding letter with credit card within one month. To apply online, just open the bank's app, find "Apply for Credit Card" in the interface, click Enter, and follow the prompts to enter information to submit the application. After the application is successful, you can receive the corresponding letter by credit card within one month. After the credit card is successfully processed, you need to go to the bank outlet to open the card before you can use it.

I hope my answer is helpful to you!

Summary of bank credit card application conditions

1. Credit card application conditions of China CITIC Bank: copy of ID card; Salary certificate or business card and photo badge.

2. Agricultural Bank credit card application conditions: copy of ID card; Copy of salary certificate or business card and social security card (for example, ABC only accepts Xiamen Airlines' business card and badge), and other small and medium-sized companies must have salary certificate.

3. ICBC credit card processing conditions: a copy of the ID card; Salary certificate or business card and photo badge.

4. CCB credit card processing conditions: copy of ID card; Salary certificate or business card and photo badge. Social security and medical insurance must be paid continuously for more than 6 months.

5. Credit card application conditions of China Merchants Bank: copy of ID card; Payslip is either a business card or a photo. The company has its own website (the company can search in Baidu). The service industry application must have a copy of the real estate license and open a savings card account in China Merchants Bank.

6. Bank of Communications credit card application conditions: copy of ID card; The salary certificate is either a business card or an ID photo (there is also a youth certificate, aged 18-29, graduated from class of 03-06, and you can apply by providing a copy of the diploma of junior college or above. Of course, it is better to have a salary certificate).

7. Minsheng Bank credit card application conditions: copy of ID card; Payslip is either a business card or a photo. The social security and medical insurance of the village must be paid for more than 6 months on the ID card, or a copy of its own real estate license; (except for those who have held credit cards for more than 6 months), local household registration only needs to provide personal salary certificate.

8. Credit card application conditions of China Everbright Bank: copy of ID card; Salary certificate or business card and photo badge. For non-local accounts, please attach a credit card consumption statement.

9. China Bank Credit Card Application Conditions: Copy of ID card; Salary certificate, except for the service industry, the badge of a unit with good credit can also be used.

10, Industrial Bank credit card application conditions: copy of ID card; Wage certificate, social security and medical insurance must be paid for more than 6 months, and the service industry generally does not approve the application.

Of course, the more materials you can provide, the higher the amount you can handle, such as a copy of real estate license, a copy of vehicle, a copy of social security card and medical insurance card, a copy of education certificate, a copy of professional title certificate, a copy of post certificate, a copy of water, electricity, gas, fixed telephone bills in the last three months, and a personal loan contract.

profit and loss statement

This is to certify that _ _ _ _ ID number () is an employee of our company, working in our company _ _ _, and has already worked in our company _ _ _.

Year _ _ _ month, annual income _ _ _ yuan; This card is only used for employees to apply for credit cards, and it is not used for other purposes. This is to certify that.

note:

Full name of unit:

Company telephone switchboard:

Address:

Company seal:

Date, year and month

This is the end of the introduction about handling credit cards in major banks and what is needed to handle credit cards in major banks. I wonder if you have found the information you need?