All bank credit cards

It is best to use a credit card, at a glance! Not just saving money!

In real life, many people can't live without credit cards. So many friends will handle 1-2 credit cards for themselves, or even more. What is the best credit card for 20 19? Here, I will give you a brief introduction.

20 19 The best credit cards used are: Everbright Tik Tok co-branded credit card, China Construction Bank Longka Family Credit Card, China CITIC Bank I Platinum Credit Card, ICBC Car Plus Credit Card and ABC Dream Burning Credit Card.

Everbright Tik Tok co-branded credit card

Everbright Tik Tok Co-branded Credit Card is a platinum card with no annual fee. Cardholders can enjoy VIP service at the airport at a price of 65,438+00 yuan, which can be used for watching movies, eating delicious food and singing. In addition, people who buy Tik Tok and online celebrities in JD.COM can also participate in the random reduction.

China Construction Bank Longka Family Credit Card

If you are willing to pay some annual fees, CCB Longka Family Credit Card is one of the best credit cards. Cardholders can enjoy the green channel for medical treatment, free driving service, domestic airport/high-speed rail shuttle service, sending family calls and other activities.

China CITIC Bank I Platinum Credit Card

CITIC Bank I Platinum Credit Card is one of the best credit cards used in 20 19, which is more suitable for people who often fly. CITIC Bank I Platinum Credit Card can provide cardholders with 5 million aviation accident insurance, which can introduce many premiums to everyone.

Icbc aiche Plus credit card

ICBC car plus credit card is worth using by the majority of car owners. Icbc AICAR Plus credit card can provide cardholders with 6% cash back discount at designated gas stations in China every weekend, which can reduce a lot of car maintenance expenses for the majority of car owners.

China Agricultural Bank Ranmeng Credit Card

Agricultural Bank of China Burning Dream Credit Card is also one of the best credit cards used in 20 19, and the card design is full of positive energy. MasterCard of ABC Burning Dream Credit Card enjoys 0 currency conversion fee, and Platinum Card enjoys exclusive outbound WIFI for up to 6 days.

Which bank can handle credit cards? List of bank features and customer service phone numbers

1, ICBC credit card

Features: There are more than 30,000 outlets in China, which is the bank with the largest number of outlets in China;

The largest circulation;

Support Alipay, which can be unlimited;

There is no handling fee for local cash withdrawal (my favorite);

Different brands of international cards have independent quotas;

Customer service telephone number: 95588

Disadvantages: However, the bidding threshold is too high and the quota is too low; Poor service attitude (especially in branches); Such a big bank doesn't have 800 telephones, and 400 is not open to individual users;

Suitable for the crowd: suitable for local commercial banks without joint-stock system and friends who often like to withdraw cash from overdrafts.

2. China Construction Bank Credit Card

Features: many outlets;

Compared with the other three major state-owned banks, the application threshold is lower;

Low withdrawal fee (overdraft withdrawal supports minimum repayment amount)

Customer service telephone number: 800-820-0588

Disadvantages: the quantity is generally low and the quantity is slow; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

Suitable for the crowd: suitable for friends who do not have joint-stock commercial banks in the local area.

3. China Bank Credit Card

Features: 1985. It is the earliest credit card issuing bank in China.

Overdraft withdrawal points;

Customer service telephone number: 400-669-5566800-820-5288 (international card) 95566.

(Customer service phone high-end atmosphere on the grade! )

Disadvantages: account cancellation has to go to business outlets; Low quota (a common problem of state-owned banks) and slow promotion; 800 only for Great Wall International Card; Alipay is not supported; The minimum repayment amount is not supported for overdraft withdrawal;

Suitable for the crowd: Olympic cards are suitable for collection.

4. Agricultural Bank Credit Card

Features: many outlets; 56 days long interest-free period;

Customer service telephone number: 800-8 19-559995599

Disadvantages: the application threshold is high, the cycle is long, and the quota is generally low; I feel that banks don't attach great importance to credit card business; Suitable for the crowd: suitable for friends who do not have joint-stock commercial banks in the local area.

5. China Merchants Bank Credit Card

Features: the bid threshold is extremely low, and the points are permanently valid;

Online banking is powerful and easy to operate, supporting Alipay;

There are often value-for-money group purchases, with many activities and many tricks;

The one-card function is good, and all aspects of financial management are also good;

All cards are combined into one bill (easy to repay);

There are many kinds of cards with exquisite design.

Customer service telephone number: 800-820-555595555

Disadvantages: the integral policy is inhuman (20 yuan scores one point, not zero);

The interest-free period is the shortest among all issuers, the shortest 18 days;

All cards are combined into one bill (inflexible);

Online payment limit is too low (500 yuan)

Suitable for the crowd: suitable for friends who value service over points.

6. Bank of Communications Credit Card

Features: low application threshold and quick withdrawal;

56 days long interest-free period;

YP card can be withdrawn at 100%;

Support Alipay, and the online payment limit is high (10000 yuan);

Customer service telephone number: 800-988-888895559

Disadvantages: the staging operation is cumbersome; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; Integral is not permanently valid;

Suitable for the crowd: If you often buy home appliances, the "Suning Card" is not bad, double Suning points.

7. Shanghai Pudong Development Bank Credit Card

Features: The Gold Card can enjoy the "CITIBANK" special merchant service abroad;

You can print photos;

Gifts given at the event are of high value;

Customer service telephone number: 800-820-878895528

Disadvantages: few outlets; The bidding threshold is high; You have to spend a certain amount to avoid the annual fee (ordinary card 2000, gold card 5000);

Overdraft withdrawal fee is high (3%, minimum 30 yuan).

Suitable for the crowd: I feel that every card of Pufa is fashionable in appearance and suitable for collection.

8. Minsheng Bank Credit Card

Features: high integral value; No quota by stages;

It's not bad that the gold card has lawyer service; There are also business travel reservations (hotels and restaurants) that are also good;

ID card is very private, that is, it needs business card printing fee;

There is no handling fee for withdrawal;

Customer service telephone number: 95568800-8 10-8008.

Disadvantages: few outlets; Support Alipay, not more than 1000 each time and not more than 5000 every day;

Suitable for the crowd: suitable for friends who value points more. Applying for a gold card is simple and convenient.

9. Industrial Bank Credit Card

Features: Support "Tenpay" repayment; "Golden Card" can enjoy the VIP room service at the airport;

Customer service telephone number: 9556 1

Disadvantages: no 800 and 400 customer service; Less outlets;

Discrimination against agricultural registered permanent residence and men; Online shopping is not supported;

There is a handling fee for the start of the zodiac card;

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

10, Guangfa Bank Credit Card

Features: after half a year, you can withdraw cash 100%;

56 days long interest-free period; The starting point of "everything" is low (as long as 500 yuan);

There is a 48-hour card loss guarantee;

Support AliPay;

Customer service telephone number: 95508

Disadvantages: there are no 800 or 400 telephones, and customer service telephones are set by local branches; Less outlets;

Suitable for the crowd:: suitable for friends who like to withdraw cash in full and stage at a low starting point.

1 1, CITIC Bank Credit Card

Features: easy to smear; There are 400 telephones;

The installment amount is relatively high (up to 5 times), which does not account for the amount;

Support AliPay; The operation and interface of online banking are very simple and convenient.

Customer service telephone number: 40088-9555895558

Disadvantages: few outlets; Customer service attitude is average; Don't forget to pay back the money. You owe 30 yuan once!

Suitable for the crowd: friends who need to cash out in stages, buy electrical appliances in Gome and Suning, and often travel abroad.

12, Shenzhen Development Credit Card

Features: basically useless, it is ok to have a "Wal-Mart Imagination Card";

The quotas of international cards and domestic cards are separate;

Customer service telephone number: 9550 1

Disadvantages: the quota is generally low; Less outlets; No 800 calls; Customer service calls are difficult to answer, but Wal-Mart Imagination Card Line 400-688-6888 is easier to answer.

Suitable for the crowd: suitable for friends who often go shopping at Wal-Mart.

13, China everbright bank credit card.

Features: brush 3 times free of annual fee; Foca small cards can be automatically divided into 12 periods (of course, there is a handling fee)

Customer service telephone number: 95595

Disadvantages: no 800 calls; 8 yuan points, points can not be exchanged for gifts; Less outlets; People with more than six bank credit cards are basically not approved;

Suitable for people: suitable for collection.

After reading the above article, you should know which bank to apply for a credit card, right? In fact, I personally feel that there are many outlets in the four major banks (ICBC, CCB, BOC and ABC), and the service attitude is the first in China Merchants Bank, but the threshold for CCB is relatively low when applying. If there is an appearance association, you can choose Industrial Bank, and fans can choose CCB theme series cards, such as popular ones.

You can select the temporary withdrawal time and validity period of credit cards of major banks in line 10.

At the end of the year, there are many places to spend money. Can I only count on credit cards? However, credit cards are also limited, and a few large ones are gone. It doesn't matter. It is difficult to raise the quota in the short term. You can look at the provisional quota. I have sorted out the temporary withdrawal time and validity period of credit cards in major banks, and quickly see which one you meet.

List of temporary withdrawal time of credit cards in major banks

1. Industrial and Commercial Bank of China: After the card is opened, there is no time limit for increasing the temporary limit for the first time. But if you want to mention it again, it must be a month later. In addition, ICBC's temporary credit line is valid for 60 days, and it will become invalid upon expiration.

2. ABC: It is not difficult to increase the temporary credit line of ABC. There is no time limit. You can call customer service to apply. As for the validity period, it is also 60 days.

3. China Construction Bank: After the card is issued, it will take two months to apply for an increase in the temporary line, and it will take 1 month again. The validity period of CCB's temporary quota is still quite long, there are

90 days

4. China Merchants Bank: Like ABC, there is no time limit for the temporary quota of China Merchants Bank. You can call the bank customer service phone to apply. The validity period is short,

Only 1 month

5. Bank of China: The repayment record is required for the first withdrawal of the temporary line, and there is no time limit for the second withdrawal. Valid for 60 days.

6. Bank of Communications: Bank of Communications is still very proud of its credit card. If you want to get the temporary quota smoothly, you can only wait for the bank to take the initiative to invite you, and the time is uncertain. Its validity period cannot exceed 3 months at the longest.

Dry goods introduction

Dry goods! Summary of bank installment fees (16)

Compare the installment fees of various banks to see which one is cost-effective

7. Guangfa Bank: After holding the card for 6 months, you can apply for increasing the temporary limit. If the amount is raised again, it will take six months. As for the validity period, I'm not sure, it's about 20-50 days.

8. Huaxia Bank: The first withdrawal amount is the same as that of Guangfa, which is 6 months. However, the second offer is shortened to 2 months, and the validity period is 1 month.

9. China Everbright Bank: Whether it is the first time or the second time, it is 3 months, and the temporary line is valid for 45 days.

10, Minsheng Bank: If you want to increase the temporary quota, you can apply after holding the card for 6 months, depending on the bank's mood again and whether to invite it or not. In addition, the validity period of the people's livelihood temporary quota is only 15 days, which is of little significance.

A temporary credit card line, different from a fixed line, should be used within the validity period, and it will be invalid when it expires. Also, the temporary limit must be paid off in one lump sum before the current repayment date, and it cannot be repaid in installments or according to the minimum repayment amount. if

The temporary limit is not repaid on time.

It is considered expired.

. This is also the point that many people recruit. Please remember to pay off in time after the amount is increased.

Free credit card annual fee for life 15 bank credit card list

1, Industrial Bank:

During the promotion period, those who apply for large and small cards will be exempted from the annual fee for life, and VIP members and super VIP members of Tianjin Friendship Commercial Building will successfully apply for Tianjin Friendship Co-branded Credit Card and directly enjoy the annual fee exemption for life.

2. ICBC:

Peony Platinum Credit Card has accumulated 4 million points, and other credit cards are free of annual fees for life as long as they are used for ten years.

3. China Construction Bank:

Red Cross Co-branded Card and Official Card

4. China Merchants Bank:

Samsung and Olympic VISA card

These two cards are also free of annual fees for life, but unfortunately the small card is a single-currency card of US dollars.

5. China Everbright Bank:

Beijing Housing Special Maintenance Fund Card

6. Pudong Development Bank:

Maidouka

7. Bank of Shanghai:

Except for Xingyun and Xinya series cards, all others are exempt from the annual fee permanently, while "Xingyun" series credit cards can be exempted from the annual fee for life if they are swiped 6 times and "Xinya" 1 time in the first year.

8. Shenzhen Development Bank:

Shanghai Youth Card

If the cardholder chooses to use the credit card function, and is in the study period of full-time students, as well as poor and outstanding young people recognized by the Communist Youth League Committee, the bank will be exempted from the annual fee, and if the cardholder chooses the debit card function, no annual fee will be charged;

9. Bank of Communications:

10, Agricultural Bank:

1 1. China CITIC Bank:

12, Huaxia Bank:

700 yuan's annual fee can be waived in the first year.

13, China Postal Savings Bank:

14, Bank of China:

15, Bank of Ningbo:

Which banks have exceeded the credit card limit? Bank credit card overrun information list!

Credit cards are widely used in life and are deeply loved by the younger generation. But many times, the credit card limit is always insufficient, and it is not so easy to raise the amount. It's not uncommon for a brush to burst. It's said that the credit card still has an over-limit limit, and you can continue to use it even after all the limits have been swiped. So which banks have over-limit credit cards? Let's take a look.

1. Banks with over-limit lines.

ICBC:

ICBC's credit card needs to charge a certain handling fee, which is generally 5% of the over-limit amount.

Agricultural Bank:

Agricultural Bank of China credit card also provides an over-limit amount, and the over-limit fee is 5% of the over-limit part.

Bank of China:

Bank of China Great Wall Global Connect series products provide over-limit credit cards, and charge 5% of the over-limit part, but the handling fee is temporarily exempted.

Guangfa Bank:

The over-limit line of Guangfa Bank is 10% of the credit line, and the expense is also 5%, with the lowest 10 yuan.

Ping An Bank:

Ping An Bank can also provide the over-limit amount, and charge 5% for the over-limit amount, with a minimum charge of 10 yuan, and no charge during the preferential period.

Industrial Bank:

After the Industrial Bank has exceeded the credit card limit, it needs to repay in full, and the over-limit part will no longer be charged separately, but the overdue interest will be charged.

2. Actively open the application bank.

Minsheng Bank:

Minsheng Bank's overrun function is not enabled by default, but you can apply on your own initiative. You can edit the short message "last four digits of KC++" with the reserved mobile phone and send it to 106902895568.

3. Banks that do not provide over-limit quotas.

Neither Bank of Communications nor China Merchants Bank can exceed the quota. If the maximum overdraft limit is exceeded, the credit card cannot be swiped successfully. If the quota is not enough, you can try a temporary quota, but remember that the temporary quota should be paid back at one time.

Here, I would like to introduce the over-limit amount and expenses of credit cards in various banks. It can be seen from the above that the cost of credit card overrun is much higher than that of credit card overdraft. If the quota is not enough, I think it is better to draw a temporary quota.

Card Raiders: 7 credit cards that are most suitable for Xiaobai's application

We often say that there are ten commercial banks: Communications, Trillion, China, CITIC, Pudong, Guangdong, Civilians and Starlight. In addition, some local banks, such as Shanghai Bank, are very good. Here is a direction we can cut in. Combined with past experience, the banks that are friendly to candidates with three employees are CITIC, Guangfa, China Everbright and Shanghai Pudong Development Bank. In addition, transportation and investment promotion are also good.

Start with the savings card. If we open a transfer account in a bank, such as a salary card savings card, it is better to have some running water, so it will be a good choice to start with this bank. This is not difficult to understand. From the bank's point of view, personal credit card approval and credit limit are the important basis for cardholders' credit rating, and it is easier to grasp risk control.

Unless you have a good grasp of the credit card approval process and lending time, it is best not to apply for too many credit cards at once. Some users will apply for credit cards from several banks online because they are in a hurry to get a card, which will easily have an adverse impact on their credit card applications, because all the data will be in the applicant's credit information system, and banks will wonder if you are short of money when they find this information, which will have an adverse impact on your personal score. However, this article is not necessarily true. Some experts have successfully applied for more than a dozen bank credit cards within one month after understanding the operating rules of banks. Of course, this is a special case, and the applicant's personal qualifications must be quite beautiful to achieve this effect.

Starting with the ordinary card, then swiping the card to raise the amount, and then upgrading the routine to do the card, is a course for most cardholders from Xiaobai to graduation. There are countless successful cases in this regard, and it is also the most mainstream road at present. The first step is to make more preparations and improve the pass rate of your card application step by step. The choice of banks and card types may start with banks that have done a lot of marketing. For example, when you open a webpage to search for a credit card, the webpage with the highest frequency appears. At present, there are China Merchants Bank, Ping An Bank and Guangfa Bank. Interested partners may wish to try to apply.

The magic card in the mouth of peach powder is not only easy to get rid of the card, but also accumulates quickly. The application threshold is low, you can basically have a fixed job and a stable income, and it is best to have Alipay flowers.

You can get multiple points by swiping your card online. General credit cards, online consumption unless it is a designated channel, otherwise you can't get points; CITIC Taobao Card, on the other hand, has a very rich points exchange system, and a large number of points are not wasted. According to your Taobao level, use Alipay to trade quickly, with the lowest 1 yuan =3 points, the highest 1 yuan =5 points, and the highest 1 yuan = 10 points on the day of the event; For offline transactions (such as pos card swiping), 1 yuan =2 points-this is also the reason why CITIC Taobao Card is known as the "artifact of saving points".

The first female credit card in China, the most classic is the female health insurance presented with the card. The threshold is low, and female applications have advantages. Basically, they can all have a fixed job and a stable income. It would be better if they had a car and a house in their name. Triple fast deposit points-cardholders can choose the merchant type of triple points according to their own consumption needs;

This owner's card launched by Guangfa Bank for car owners has special value-added services such as free road rescue and optional refueling concessions. Users can provide their own car driving license when handling Guangfa owner card, which can greatly improve the success rate of applying for credit card!

This card is specially designed for young people who have just entered the society. They are required to be under 30 years old and the application threshold is low. If you are a fresh graduate, you can submit a copy of graduation photo's certificate and work certificate at the time of application. In addition, it is also a cost-effective card. For example, the withdrawal amount is as high as 100%, and the first withdrawal every month is free, and you can also enjoy multiple benefits of watching movies and food with China Merchants Bank credit card.

If it is a deep takeaway user, it is a good choice to get a hungry credit card from Industrial Bank. If you apply through Hungry APP, you don't need to check your income certificate, and the threshold is low. If you are eager for good credit information, active users will be approved in a few seconds. In addition, there are many preferential activities.

As one of the traditional "five major banks", it is not easy for Bank of Communications to emerge a credit card suitable for the vast number of small white users. This credit card is called Y-Power, which is specially designed by Bank of Communications for young people in cities. In addition to the low application threshold, it also has many favorable cost performance. In fact, many banks have very good credit cards for young people, such as the most classic youth card of China Merchants Bank and Pufa Youth Card. Because the Young card of China Merchants Bank is so classic, many people recommend it, so I won't go into details here. Xiaobai's friends can also try to apply, and the pass rate will be high.

Little friends who are familiar with JD.COM Baitiao know the "Little White Card" more or less, that is, JD.COM Baitiao co-branded credit card. At present, JD Finance has cooperated with 10 banks to launch small white cards, most of which have low application threshold and different consumption preferences. If you often shop in JD.COM, especially when you open a white card business and buy 3C products, it is basically no problem to apply for this Minsheng White Card. If you have ever opened a debit card in Minsheng Bank, you can even get the second batch when you apply, which is worth starting with.

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That's enough for the introduction of credit card list.