Comparison of credit cards between banks

Comparison of credit card installment fees of major banks Which bank has the lowest credit card installment fee?

With the concept of early consumption becoming more and more popular, credit card consumption is becoming more and more common. In order to reduce the repayment pressure of cardholders' credit card consumption, major banks have paid by credit card installment. But which bank's credit card should so many banks choose and which bank's credit card installment fee is lower? These are all issues that cardholders consider more when choosing installment payment. Let's make a detailed analysis of the differences of credit card installment fees among major banks on 20 17.

There are two main differences in the handling fees of major banks. Most banks charge fees in stages once a month, and ICBC, China Construction Bank, Bank of Beijing and China Everbright Bank charge them once. What is more special is that Industrial Bank can do both methods, but the one-time cost is slightly lower than the installment cost.

However, the fee rates of major banks vary greatly. Most banks, such as ICBC, BOC, China Merchants Bank, Guangfa, China Everbright Bank, etc., have higher handling fees as the number of credit card installments is longer. Some banks have the same fee rate in each period, such as Bank of Communications 0.72%, Agricultural Bank of China 0.6% and Postal Savings Bank 0.6%. A few banks, such as Shanghai Pudong Development Bank, Huaxia Bank and HSBC, have long installment periods, but the rates are low. See table 1 7 for the 20 17 installment fee rates of major banks.

Extended reading:

Comparison of video co-branded credit cards of major banks: Tencent, Iqiyi and Youku

Table 120 17 Summary of installment fee rates of major banks

Table 22065438+2007 Summary of Staging Fee Rates of Major Banks

For example, suppose Xiaoming spent 5000 yuan on a mobile phone. As a student with no fixed income, Xiaoming can't pay 5000 yuan at one time, so he wants to pay by credit card. But the question is, how many installments should he pay? Which bank has a lower installment fee? Tables 3 and 4 below show the handling fees that Xiao Ming has to pay for choosing different stages of each bank.

Table 3 Comparison of installment fees of major banks

Table 4 Comparison of installment fees of major banks

Figure 1 Comparison of installment fees of major banks (12)

If Xiaoming chooses 12 installment, as shown in figure 1, the installment fee of ICBC is relatively low, and Xiaoming only needs to pay 180 yuan, which is about 1.5 times lower than the relatively high Standard Chartered Bank (450 yuan) and about/kloc lower than China Everbright Bank (442.5 yuan).

Followed by Changsha Bank, the installment fee of Changsha Bank is also relatively low. As a local bank, its application threshold is higher than that of the state-owned bank ICBC, so it is also a good choice;

The installment fee of CCB in state-owned banks is 270 yuan, and its application threshold is relatively low in state-owned banks, which is relatively cost-effective;

As a joint-stock bank, Shanghai Pudong Development Bank has a higher installment fee (297 yuan) than ICBC and China Construction Bank. However, due to its lower application threshold and better service, it has also become a bank with more choices for cardholders when handling installment payment.

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20 18 comparison of installment fees among banks

Which bank has the lowest annual credit card fee? Comparison of annual fees of credit cards among banks

1. Preferential policies for annual fees of some banks

Credit cards of Bank of China, Agricultural Bank and Industrial Bank: free in the first year, and free of the annual fee for the following year if you swipe your card five times in one year.

ICBC Credit Card: Credit cards are swiped five times a year, and the annual fee for that year is exempted.

Credit card of China Construction Bank: free in the first year and free of annual fee in the next year.

Bank of Communications Credit Card: Free of annual fee in the first year, and free of annual fee in the following year if you swipe your card six times a year (Bank of Communications Platinum Credit Card has no annual fee-free policy).

Credit card of China Merchants Bank: free in the first year and free of annual fee in the next year.

Credit card of China CITIC Bank: swipe the card 1 time within 1 month after activation, and the annual fee of the current year is exempted; Credit card is swiped 5 times in one year, and the annual fee for the following year is exempted.

2, different levels of credit card annual fee standards.

However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.

3. Credit card free of annual fee for life.

Although there are few credit cards that are free of annual fees for life, it is not without them. For example, the credit card issued by the Postal Savings Bank, whether it is the main card or the supplementary card, does not need to worry about the annual fee.

There are also free lunches in Shanghai Bank's credit cards, such as Xingyun Card, Hong Kong Travel Card and Global Card, all of which are free of annual fees for life. However, the outlets of Shanghai Bank only cover the Shanghai area, and it is more difficult to handle them in other areas.

There are also many credit cards in other banks that are free of annual fees for life. Because there are too many types of credit cards, you need to look carefully if you want to handle them. For example, China Southern Airlines Pearl Credit Card Extraordinary Edition and QQ Car Card of Guangfa Bank, McDull Credit Card and 60th Anniversary Credit Card of Shanghai Pudong Development Bank, Jinsui Ruyi Credit Card of Agricultural Bank, and AIDA Credit Card of Bank of Beijing [18.825.67%] can all enjoy the provision of free annual fee for life.

Select credit cards from the bank applying for credit cards.

The advantages of credit cards in the five major domestic banks are greater than others.

Credit cards are used more and more frequently. At present, almost everyone has one or more credit cards. For us, credit card is not only a spending card, but also a good helper in life. There are so many banks. Which bank has the best credit card?

First of all, talk about my personal credit card. I think credit cards must have cards from China Merchants Bank, CITIC, Bank of Communications and ICBC. Let me talk about China Merchants Bank. The credit card points of this bank are widely used and the repayment is convenient. More importantly, it is very convenient to grab tickets. Anyone who has been to 12306 knows that it is a nightmare for chrome to vomit and diarrhea on the payment page because of various banking regulations. There is no pressure on China Merchants Bank, let alone your computer. I booked a ticket on my mobile phone and paid directly. A web page is ready. This is a necessity of life.

ICBC:

Because ICBC has a stronger state-owned background and the demeanor of the big brother in the industry, it is faster to implement some policies of the central bank on credit cards. For example, ICBC's credit card took the lead in using the 2.0 chip card to connect with the international community, which sacrificed the cost and income of the card and enhanced the security of payment. The stolen China Merchants Bank powder abroad expressed envy.

Of course, the reason behind this is that ICBC is conservative in controlling personal credit risk, which shows that newly applied children usually get a "food card" issued by ICBC-I remember my credit limit is 10 yuan. You look down on me!

It's normal to get a card. Everyone gets angry, but it's unnecessary. Because the logic of ICBC is different from other banks.

First, ICBC's credit card is deposited in it, and the excess is also called "overpayment". There is no handling fee and interest for taking it out. On the contrary, other banks charge the same fees as cash advances.

Second, ICBC's quota has been rapidly improved through consumption and brushing, but the overall level is not high.

Third, ICBC has a large number of corporate accounts. I believe many people choose ICBC because the salary card is also in ICBC, which is more convenient for repayment.

As for the shortcomings of ICBC: go to the lobby to get the number to do business, not to do credit card business, just do a savings business, online banking, exchange ++ and so on, and experience it yourself. This is very common in credit cards.

CCB:

There are several kinds of cards that CCB has done well, and the platinum cards (including above) of CCB are also outstanding.

For example, the love credit card that cooperates with the Red Cross claims to donate money when it is consumed, mainly because there is no annual fee!

There is also a joint car card made by CCB earlier, which is affordable for car washing and refueling. Of course, many banks have them now.

CCB's platinum card has a high quota, easy approval and decent service. The key is that the entry-level platinum card free of annual fee is easier to get. Specific details and additional services can be seen directly in official website, so I won't go into details.

Bank of China:

I haven't practiced BOC myself, so it's not easy to comment. In addition to the common faults of state-owned banks, my friends used it and said it was not bad. From our previous analysis and understanding, credit cards are well-behaved in the basic data market. My friend also repaid the loan because of the salary card binding ~ ~

China Merchants Bank:

Let's focus on it After all, some feelings are the only ones in use at present, a visa and a Zhang Wei Boca (it's better to apply for one than nothing).

The overall impression of China Merchants Bank is that the service is good. Therefore, when there is an approved credit line, when it is necessary to pay the card fee when reporting the loss, and when it is stolen overseas, it is usually more willing to complain. But in general, China Merchants Bank's services include telephone, Weibo and WeChat. At that time, it was very important for the Credit Card Brand Department of China Merchants Bank to send a Weibo to Guan Wei, and it was necessary to deal with the reply quickly.

Advantages:

1. For Puka and Jinka, 50% off movie viewing, half-price food on Wednesdays and a series of points redemption activities have always been the main products of China Merchants Bank's value-added services, and the cooperative merchants generally have higher value. Everbright and Guangfa also have similar activities, some of which are more affordable than China Merchants Bank, and the cooperative merchants are different, mainly depending on the subject's preferences.

2. consumption abroad is convenient and popular, and the overseas card service is generally good. It seems that I have worked with AVIS and PREMIUMOUTLET before, and the fee will be discounted.

3. New types of cards are introduced quickly, especially the theme cards that young people like, which are the hobbies of many animators and collectors.

4. The online APP was barely successful, and it was quite convenient to pay phone bills, buy movie tickets, pay back money, check consumption records and buy lottery tickets, which changed some of my lifestyles.

5. Better integration with the Internet. In the future, mobile payment will become the main development direction of China Merchants Bank's credit card. Ma Weihua, who has retired, even said that China Merchants Bank's credit card will disappear. You will also find this when you buy something digital and fashionable. Small things, China Merchants Bank installment payment can actually afford it!

6. Platinum card and above services are very attractive to diaosi. The centurion series cooperated with American Express has always been the object of admiration of Diaosi. Although it is very mediocre in China, when you hold a credit card with the head of a centurion, you think it is really wrong not to brush it. . .

In addition to ordinary platinum card services such as airport, golf and car rental, there are a series of regular scarce services, such as taking children across the Gobi, going to the Arctic and Antarctic, eating a three-star Michelin, and owning the top characteristic hotel in China with points, which is very affordable. Unlimited card level will have a versatile little secretary similar to American Express, which is the story of finding Schumacher's signature helmet as a birthday present for the user's child.

Other friends said they would prompt you to increase the temporary quota and other intimate services. In fact, there is a data platform behind China Merchants Bank, which will analyze your consumption structure according to the amount and location of your consumption, and make predictions and management. If the quota is not approved, it is normal for this data system not to give it.

Disadvantages:

There are many subtle service problems, and it is difficult to list them one by one, but it does not affect the overall experience.

The credit card mall sucks

It is really difficult to save 20 yuan points = 1 point. You can calculate how many Starbucks points you want.

Advice to Cai Xiao: Every bank has its own advantages. It depends on the individual. Now it is not as strict as before to apply for a credit card. Everyone should apply for a credit card and take good care of it ~

Which is the strongest credit card (debit card)? The most comprehensive comparison of credit cards (debit cards) of major banks in history.

1. Industrial and Commercial Bank of China

Known as the first line of the universe, why? Don't take the usual path. Please ask Baidu specifically. ICBC is approved by the local card department, not a credit card (debit card) center.

How to apply for an ICBC card?

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 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:

1. There is no handling fee for withdrawal;

2. install x;

3. The promotion quota is very fast, and the unreasonable promotion quota standard;

4. Consumption SMS reminder is free;

5. There are three options for consumer passwords: no password is required for all transactions; All transactions require a password; A password is required for transactions exceeding the limit;

6. The longest interest-free period is 56 days;

7. If the repayment is not made in full, 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.

Preparation materials:

Id card, bank account, automobile production, real estate, if you want a high credit card (debit card), please deposit at least 50 thousand yuan regularly and do it one week later.

Suitable for people: friends who want big cards and have certain assets!

2. China 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:

1. The application threshold is low;

2. A card car wash is free;

3. There are relatively many preferential merchants;

4. Points can be exchanged for mileage;

5. Do not agree not to occupy the quota;

6. Brush 3 times and you will be exempted from the annual fee.

Disadvantages:

1. No SMS notification;

2. Birthdays are not even blessings;

3. Short interest-free period

Application materials: ID card, bank account, automobile real estate, real estate, time deposit and card application.

Suitable for people: car owners and foodies!

Bank of China

The biggest and meanest bank, not one.

Advantages:

1. integral is valuable; 2. There are many outlets; 3. There are SMS reminders; 4. There are many preferential activities

Disadvantages:

1. The card threshold is high;

2. You can only apply for promotion places twice a year. As for whether to mention it or not, that's another matter;

3. attach great importance to deposits;

4. Supplementary cards need to be repaid separately.

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

Suitable for the crowd: trapeze!

3. There are many merchants cooperating with ABC Card and many co-branded cards, which can be said to be relatively close to the people.

Advantages:

1. Many activities;

2. There are many outlets;

3. Quickly increase the quota;

4.56 days interest-free period;

5. SMS reminder;

6. Provide professional business travel services for customers with credit cards (debit cards).

Disadvantages:

1. The threshold is high;

2. The quota is low, and the quota for applying for 500 cards is too much;

3. Long approval time;

4. Integral =0!

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

Suitable for the crowd: eating goods

3. There are many merchants cooperating with ABC Card and many co-branded cards, which can be said to be relatively close to the people.

Advantages:

1. Many activities;

2. There are many outlets;

3. Quickly increase the quota;

4.56 days interest-free period;

5. SMS reminder;

6. Provide professional business travel services for customers with credit cards (debit cards).

Disadvantages:

1. The threshold is high;

2. The quota is low, and the quota for applying for 500 cards is too much;

3. Long approval time;

4. Integral =0!

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

Suitable for the crowd: eating goods

4.

Bank of Communications

This bank credit card (debit card) approval sister paper must be very kind, almost all of them can pass. Once I applied for a card online, I received the 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 increase the quota, and it is not allowed to apply for increasing the quota, and manual intervention is not allowed;

2. Pit dad SMS reminder fee;

3. The withdrawal fee is very expensive;

4. Full penalty interest;

5. Strict risk control. If you order a small one, just say you want to seal the card or something.

Application materials: ID card is enough.

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

China Citic Bank

Banks with no bottom line love to make small mistakes.

Advantages:

1. Do more activities, especially eat and brush your teeth! ;

2. Fool the customer service and 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? )

Application materials: ID card is enough, and the card amount is higher.

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

5. 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 love sister paper (I have been discriminated against! )

Preparation materials: ID card, bank account, financial certificate, credit card (debit card) of other banks (if any).

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

Ping An Bank

This guy used to do insurance, but now he has a bank! Attach great importance to automobile production! If you have a car, you are his uncle!

Advantages:

1.24-hour 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

Preparation materials: car output, ID card, credit card (debit card) of other banks, bank account.

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

6. China Everbright Bank

Credit card (debit card) is one of the more popular banks, with a large number of users and fierce activities.

Advantages:

1. Nice card face!

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

Preparation 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)

7.

China Merchants Bank

In addition to ICBC, it is the best credit card (debit card) of China Merchants Bank, and the number of cards issued ranks first in the country.

Advantages:

1. The service is very good, and the sister paper is very gentle (even if you owe money. . . )

2. The quota is relatively high;

3. Improve the humanization of quota;

4. There are many activities.

5. All the card bills are integrated.

Disadvantages:

1. Some online shopping limits are only 500;

2.20 yuan 1 minute;

3. Most online shopping has no points.

Preparation materials: ID card is enough.

Suitable for the crowd: everyone!

Friends who apply for a credit card (debit card) quickly, learn about the collection and get ready.

So much for the comparison and introduction of 20 17 credit cards.