Which bank has a good credit card

Which of the top five banks has the best credit card?

ICBC credit card, BOC credit card, CCB credit card, ABC credit card, Bank of Communications credit card.

Introduction is as follows:

1, BOC credit card

China Bank Credit Card is an international standard credit card, with one card and two currencies, which is universal. No prepayment is required. You can spend easily at home and abroad with your card within the limit, and enjoy an interest-free loan for up to 50 days. China Bank has overseas branches in 20 countries and regions around the world.

China Bank Credit Card does not require a guarantor, deposit or cash deposit. To apply for a bank credit card in China, you only need to fill in the China Bank Credit Card Application Form, and attach copies of identity documents, permanent residence certificates and financial documents.

2. China Industrial and Commercial Bank Credit Card

China Industrial and Commercial Bank Credit Card is the most widely issued credit card in China. At present, the main types of ICBC credit cards are: Peony International Credit Card, Peony Credit Card and Peony Credit Card; ICBC credit cards are divided into: Peony Visa Card, Peony MasterCard and Peony American Express Card by brand; According to the credit rating, it is divided into: platinum card, gold card and ordinary card; According to the card issuing pair, it is divided into business card and personal card, and personal card is divided into main card and auxiliary card.

3. CCB Credit Card

CCB Credit Card is a credit card issued by China Construction Bank. Credit cards issued by China Construction Bank are all called "Dragon Cards", including exclusive cards, business cards and car cards.

4. Bank of Communications Credit Card

Bank of Communications Credit Card is a credit brand product jointly launched by Bank of Communications and HSBC. Its user positioning is "a group of people who have ideals, pursuits, know how to enjoy, and are more willing to fight for their lives and careers." Sometimes some people need to go abroad to study, do business, study or travel.

Bank of Communications credit cards are also a group of people with high living standards, and they are willing to try new consumption habits. Bank of Communications Pacific Credit Card is a credit card product launched by Bank of Communications on the basis of introducing advanced technology and management from HSBC. It combines global and local advantages, takes "China Global Card" as its main purpose, advocates new consumption culture and card experience, and provides preferential and caring services on a global scale.

5. Agricultural Bank Credit Card

Jinsui Credit Card is based on creating a new life experience for cardholders and is committed to becoming the most trusted credit card brand for cardholders. With innovation as the main line, Jinsui Credit Card has successively launched a series of products such as standard cards, business cards, platinum cards, various regional co-branded cards and special cards according to different customer groups, leading the needs of different customer groups.

In addition to providing a series of intimate services such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero card loss risk, timely notification by SMS, choice of consumption password, emergency assistance, and various repayment methods, it also combines the advantages of outlets and networks all over urban and rural areas to form a powerful functional advantage.

Baidu Encyclopedia-China Bank Credit Card Center

Baidu Encyclopedia-China Agricultural Bank Credit Card

Baidu Encyclopedia-Bank of Communications Credit Card

Baidu Encyclopedia-ICBC Credit Card Baidu Encyclopedia-CCB Credit Card

Which bank has a good credit card?

China Merchants Bank, China Guangfa Bank, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank all have good credit cards. A large number of cardholders are welcomed by credit card users. There are many discounts, professional service, quick cash withdrawal and many points. The characteristics of these bank credit cards are as follows:

1, China Merchants Bank

China's first permanent credit system, international 24-hour road rescue service, has gradually become the service standard of domestic credit card industry. In terms of product and service innovation, China Merchants Bank has innovated more than 100 new credit card products and services, persisted in promoting the cross-industry cooperation mode, and successively cooperated with leading enterprises in different life fields such as department stores, tourism and sports consumption.

2. Guangfa Bank

Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, which is used for overdraft consumption and cash withdrawal transactions without pre-deposit.

At the same time, Guangfa Bank has issued a business card with a credit card, which can be used in some large-scale consumer places and hotels, and will enjoy a certain preferential amount in some hotel services and reservation business.

3. China Construction Bank

China Construction Bank Longka Credit Card is a credit card brand with 90 million customers. It adheres to the customer-centric concept and provides customers with professional financial services and convenient payment experience.

4. Industrial and Commercial Bank of China

ICBC's credit card approval does not follow the usual path and does not use the data of the credit information center. The certification is based on its own system star standard. If you have a savings card in ICBC, the chances of getting a card will be much greater. However, if there is no ICBC savings card, it will be more difficult to handle the card and withdraw money. There is no handling fee for cash withdrawal, and the cash withdrawal is fast, and the interest-free period is as long as 56 days. If the repayment is not made in full, no interest will be charged on the repaid part.

Disadvantages: low card quantity, weak preferential treatment and less points. Download app can only accept credit card information, otherwise you have to pay SMS reminder.

5. Agricultural Bank of China

In addition to providing a series of intimate services such as increasing the temporary limit at any time, self-service activation, 24-hour free customer service hotline, zero risk of card loss, timely notification by SMS, choice of consumption password, emergency assistance, and various repayment methods. Combine the advantages of outlets, networks and products all over urban and rural areas to form a strong functional advantage.

Extended data:

Key points for handling credit cards:

Purpose, application threshold, enjoyment of rights and interests, currency of amount, installment interest, interest-free period, etc. Finally, choose a credit card that suits you.

enjoy rights and interests

Credit card rights are directly related to your actual interests. Common rights and interests include free handling fee, free++transaction fee, high aviation accident insurance, free annual fee and so on. In addition to these basic rights and interests, it depends on the number of local preferential activities and the value of points.

Run a local bank

Cards with many local activities: A large part of the reason for getting a credit card is to enjoy activities. The more cards there are in local banks, the more activities there will be. So don't apply for a credit card without a local bank, otherwise it is basically equivalent to missing the event.

Integral value

The value of credit card points only needs to compare the goods and services that can be exchanged for points. For example, if you often travel by air and stay in hotels, you may need to apply for a platinum card or above, because many platinum cards have the function of redeeming air miles and staying in hotels, but each card may be redeemed by different airlines and hotels, so as long as the points can be redeemed for the services you often need, the points are of high value.

Baidu Encyclopedia-Agricultural Bank Credit Card

Baidu Encyclopedia-ICBC Credit Card

Baidu Encyclopedia-China Merchants Bank Credit Card

Which bank has a better credit card?

At present, the credit cards with good reputation and credibility in the market are: China Merchants Bank Credit Card, Ping An Bank Credit Card, Guangfa Bank Credit Card, China Everbright Bank Credit Card, China Merchants Bank Credit Card and so on. These are all good choices. Of course, the specific amount of credit card depends on personal qualifications. Which bank's credit card is best not to generalize, as long as it is suitable for users themselves. Here are some bank credit cards:

1. ICBC: convenient repayment, high credit card limit, but strict application conditions.

2. Bank of China: Low credit card, less activity points and convenient repayment.

3. China Merchants Bank: The success rate of card handling is high, the amount is relatively high, there are many activities, and repayment is also very convenient. Powerful function, multi-card integration, high efficiency, high quality service, adjustable consumer credit limit at any time, powerful online banking, lifelong points system, the latest card loss protection plan. The disadvantage is that the integral policy is too tight. SMS reminder function is not very good.

4. CITIC Bank: There are many preferential activities and great incentives, but the credit line is average. The interest-free period is as long as 56 days, SMS reminders are free, and consumption details can be queried by SMS.

5. China Everbright Bank: the success rate of card processing is high, the amount is high, the withdrawal is fast, and there are many points activities.

6. Guangfa Bank does not need to submit any materials. This is the only bank that can apply online. As long as you fill in and submit it truthfully online, the people in the card center will contact you for credit extension within 15 working days. Results GDB card has powerful functions, favorable points policy, many preferential activities, prompt SMS reminder, mature online payment, support for Taobao Yi Bei, and available points. It is one of the necessary good cards. The disadvantage is that it is not very convenient for outlets to pay less. SMS charges three yuan a month. Credit card merchants are not as popular as the four major banks, and online banking is very simple.

7. HSBC is the major shareholder of Bank of Communications, so it is best to bring a Pacific card to Hong Kong. But there is no online payment function at present. The disadvantage is that the credit line cannot be restored immediately after repayment, and the credit card pass rate is relatively low.

8. Shanghai Pudong Development Bank: The approval is relatively fast, the online banking is good, and the recent preferential activities are relatively rich. The validity period of points is not good for 2-4 years, but points can be exchanged.

Which bank has a good credit card?

Credit cards of China Merchants Bank, Bank of China, China Construction Bank, Bank of Communications and Agricultural Bank are all good. A large number of cardholders are welcomed by credit card users. There are many discounts, professional service, quick cash withdrawal and many points. The characteristics of these bank credit cards are as follows:

1, China Merchants Bank Credit Card

Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.

2. CCB Credit Card

In recent years, the number of cards issued by CCB has been rapid, once surpassing that of ICBC, and most of them are low-limit credit cards. Fixed withdrawal application is cancelled, and the system is changed to self-withdrawal. The temporary quota is still quite high, and the overall service experience is not bad in major banks.

The advantage of CCB credit card is that the preferential price is biased towards Haitao. If you often go to Haitao, you can get a CCB card first. In addition, CCB, as one of the four state-owned banks, has a low installment fee, which is a good choice for installment consumption.

3. Bank of Communications Credit Card

I often recommend the Y-power card of Bank of Communications to my friends, and the withdrawal amount is 100%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.

The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.

4. China Bank Credit Card

There are many Bank of China, and I prefer Haitao. If there are many sea scouring, it is strongly recommended to start with the Bank of China card, because the Bank of China card is the most and best activity of sea scouring in all banks, and there are cash back and reduction activities from time to time.

5. China Agricultural Bank Credit Card

Agricultural Bank of China represents the characteristics of state-owned banks: it is difficult to approve cards, even if there is a house and a car, it is still difficult to apply for cards, and the counter review is slow. However, it can't be said that it is not good at all. Agricultural Bank of China's credit card is characterized by Watson's Saturday activities every year, and 60 yuan's reduction 120 yuan is considerable.

Key points for handling credit cards:

Purpose, application threshold, enjoyment of rights and interests, currency of amount, installment interest, interest-free period, etc. Finally, choose a credit card that suits you.

enjoy rights and interests

Credit card rights are directly related to your actual interests. Common rights and interests include free handling fee, free++transaction fee, high aviation accident insurance, free annual fee and so on. In addition to these basic rights and interests, it depends on the number of local preferential activities and the value of points.

Run a local bank

Cards with many local activities: A large part of the reason for getting a credit card is to enjoy activities. The more cards there are in local banks, the more activities there will be. So don't apply for a credit card without a local bank, otherwise it is basically equivalent to missing the event.

Which bank has a good credit card?

Which bank's credit card is best not to generalize, as long as it is suitable for users themselves. Here are some bank credit cards:

1. ICBC: convenient repayment, high credit card limit, but strict application conditions.

2. Bank of China: Low credit card, less activity points and convenient repayment.

3. China Merchants Bank: The success rate of card handling is high, the amount is relatively high, there are many activities, and repayment is also very convenient.

4. CITIC Bank: There are many preferential activities and great incentives, but the credit line is average.

5. China Everbright Bank: the success rate of card processing is high, the amount is high, the withdrawal is fast, and there are many points activities.

First, the most valuable 10 credit card!

Now, more and more people begin to pay attention to credit cards, because credit cards can not only help people overdraw their consumption, but also help them accumulate their own personal credit records. So, what are the most desirable 10 credit cards? Here, Xi Cai Jun will introduce you to the most valuable 10 credit card.

1, China Merchants Bank Youth Card

China Merchants Bank YOUNG Card is a classic credit card with low application threshold and no handling fee. Office workers who have just joined the work are also very easy to raise.

2. Safety owner card

For friends who have cars, the Ping An car owner card is also relatively easy to raise. Ping An Car Owner Card cooperates with PetroChina and Sinopec, and there is a 8.8% discount for daily refueling, which is worth improving for car owners.

3. Bank of Communications Wal-Mart Credit Card

Bank of Communications Wal-Mart Credit Card can save a lot of money for everyone. Every year, 654.38+ 10,000 points can be exchanged for 927.5 yuan, and you can also enjoy the "most red star period five" week consumption discount.

4. Guangfa Sharp Card

Guangfa Ruika is one of the most valuable 10 credit cards, which can be cashed back in department stores, supermarkets and restaurants, with a maximum cashback of 5%, saving money and accumulating credit.

5. ABC beautiful mother card

The beautiful mother card of ABC is very suitable for mothers to raise. From Sunday to next Friday, 1% of the consumption amount will be refunded for every 100 yuan spent, and 5% of the consumption amount will be refunded for every 100 yuan spent every Saturday.

6. China Industrial and Commercial Bank JCB Travel Credit Card

For friends who like to travel, ICBC JCB Travel Credit Card is one of the most valuable 10 credit cards. ICBC JCB Travel Credit Card can provide many benefits for overseas travelers.

7. ICBC WeChat Credit Card

ICBC WeChat Credit Card is a valuable online chat family. The grace period for repayment is 3 days. At present, the repayment tolerance is 10 yuan, and the shopping weekend is as low as 50%.

8. CITIC Bank Taobao Card

Among the 10 credit cards worth raising, CITIC Bank Taobao Card is also one of them. China CITIC Bank Taobao Card supports online transactions 10 times points, and enjoys a 50% discount at designated stores on Wednesday and Saturday.

9. Minsheng Fellow Uncle Card

Minsheng Uncle Card is also worth raising, 12 constellation, 12 exclusive card. While accumulating personal credit, you can also enjoy uncle's exclusive service.

10, Shanghai Pudong Development Bank Beauty Card

The beauty card of Shanghai Pudong Development Bank is also one of the most valuable 10 credit cards. Cardholders spend more than 3,888 yuan a month, which can be exchanged for gas card/phone bill/JD.COM. COM electronic card/movie ticket/Tmall supermarket Taobao card/high-end hotel buffet, etc.

Which bank do you choose for your credit card?

Apply for the first credit card to recommend China Merchants Bank, Agricultural Bank and Industrial and Commercial Bank. China Merchants Bank's credit card has the highest potential value. As long as the credit cards of China Merchants Bank are approved, basically all bank credit cards can be easily approved.

Of course, due to the deviation of personal reality, for example, if you have a savings card in ICBC and have a stable operation record all the time, you can give priority to applying for ICBC, so the amount of the card may be better.

In fact, as long as you have a proper job, no matter which bank you choose for the first time, the card issuance rate will be higher. If you pursue the quota, you need to pay attention to skills.

Extended data:

Counter, door-to-door or online application

There are three main ways to apply for a credit card: counter handling, door-to-door handling by salesmen and online application. I suggest you go to the bank counter and apply online. To apply online, you must look for the bank official website, and don't be fooled by the shanzhai website.

If you have a car and a room, it is most appropriate to go to the counter, so that the card processing rate is basically 100% and the amount is not too low. When some salesmen come to the door to handle the business, in order to promote your card, they often promise your credit card quota with lip service, and finally activate the card and find that the quota is actually very low.

If you apply online, you can generally choose to activate online in the bank official website or the official WeChat account. You need to go to the counter to activate the image before. To sum up, it is actually more appropriate to apply for a credit card online for the first time. All credit card information, including the amount, annual fee, billing date and interest-free period, will be clearly marked.

People who apply for a credit card for the first time are often inexperienced. When consulting at the counter or learning from door-to-door business personnel, it is inevitable to ignore many details. In the end, they will be very angry. If you apply online, as long as you pay close attention, you won't ignore these details.

Credit card limit

According to big data analysis, the credit limit of the first credit card is generally between 3000 yuan and 10000 yuan. When you apply for a credit card for the first time, you don't have to pursue the credit limit excessively. The first credit card is actually used to familiarize yourself with the consumption characteristics of credit cards. It is not difficult to increase the credit limit as long as good card habits are guaranteed.

In the application process, some tips are helpful for you to apply for a card.

1. Don't apply blindly.

I went to apply for a credit card, and the major banks applied indiscriminately, and I applied for four banks a day. In the end, none of the cards were approved. Because the credit information systems of major banks are all networked, they are easily judged as malicious applications by banks. So try to apply for one card at a time, and then apply for another bank's credit card after passing.

2. The application materials should be true and remember to back them up.

Don't exaggerate the application materials in order to improve the approval rate. Even you don't remember that your original application materials were filled in this way. Once the bank called to verify, it was completely confused. In the case of such an application, the bank will basically not pass. Therefore, the application materials should be as authentic as possible, and backups should be kept, especially online applications.

The introduction about which credit card company is good and which bank's credit card is good ends here. I wonder if you have found the information you need?