If you want to apply for a credit card, there are really many kinds of cards, and you can't start. If you don't know which credit card you want to apply for, you might as well know which bank to use first. Today, I'd like to introduce several major banks to you and take your seats accordingly.
I. Industrial and Commercial Bank of China
As the "largest bank in the universe" in the eyes of cardholders, ICBC credit card should be the first choice for many people, and of course it must have good application conditions. What bank can handle credit cards? There are many reasons for the introduction of ICBC, mainly the following:
1. There is no handling fee for taking out the overpaid part, while most other banks do.
2. If you want to raise the amount, as long as you use the card frequently, it will generally be quick;
3, the credit card is overdue, and the full penalty interest is not used, which is quite capricious;
4, the loss reporting fee is cheap, compared with 80 pieces of China Merchants Bank and 60 pieces of CITIC, 20 pieces are really cheap;
5. Local cash withdrawal is free, which is suitable for customers who often need cash.
Second, China Merchants Bank.
If you are an ordinary working class, what bank should you use for your credit card? The answer is China Merchants Bank. The application threshold is low, there are many types of cards, and the services and discounts provided by credit cards are also deeply rooted in the hearts of the people.
1, there are many cooperative businesses, many preferential activities, 50% off movie viewing, half-price food on Wednesday, and a series of points redemption activities;
2, the new card is fast, especially the younger generation of Cardo, which is more close to the people;
3. It is more convenient to use a card for the "Pocket Life" APP, whether it is to pay phone bills, buy movie tickets, buy lottery tickets, pay back money, and inquire about consumption records.
4. It is convenient to pay by installment. China Merchants Bank cooperates with many businesses, and even small things support installment payment.
Third, Bank of Communications.
Many people are familiar with the activities of Bank of Communications, such as "Weekly Brush" and "Red Star Friday". As a regular activity, there will be a wave of activities every year. If you are a cotton wool party, what bank do you use for your credit card? Bank of communications is more suitable.
1, with many outlets, which is convenient for cardholders to handle business;
2. Cardo is a shopping card for leisure and entertainment, major supermarkets, electrical stores, automobile stores, etc., which is highly targeted;
3, the activities are strong and deeply rooted in the hearts of the people, such as supermarket shopping, car refueling directly return 5% credit card money;
Summary: What bank is good for the credit card mentioned above? The three banks have their own characteristics. Applicants can choose according to their own consumption needs. Of course, there are more credit cards to choose from. Every bank has its own advantages and characteristics. Credit card family portrait
What are the international credit cards?
What are the international credit cards?
What are the international credit cards? International credit card is a card issued by the bank in conjunction with the international credit card organization to people with good credit, and it is very beneficial to friends who travel abroad for overdraft consumption on a global scale. Let me tell you something about international credit cards.
What are the international credit cards 1?
1. What is an international credit card?
International credit card is a kind of card issued by banks and international credit card organizations to people with good credit standing, which can be overdrawn worldwide. At the same time, this card is also used to confirm the identity of users on the international network.
Two. Overview of international credit cards
Cards issued by members (banks) of international card-issuing organizations can be signed by the special agent of the organization. This kind of card is called an international card. As we all know, the three major international organizations VISA, MASTER and JCB. VISA has the highest market share, followed by MASTER and JCB, but JCB is very easy to use in Japan, but not necessarily in other places. Although JCB is also an international card, some online shopping does not accept JCB.
Usually, international credit cards use US dollars as the settlement currency, and international credit cards can be overdrawn (spend first and then repay). Visa and MasterCard are the common credit card brands in the world, and major domestic commercial banks also provide international credit card business. You can easily apply for a credit card at the bank counter. It should be noted that international credit card deposits have no interest.
Third, the characteristics of international credit cards
1, ICBC Peony International Credit Card
When both RMB account and USD (or HK$) account are opened in the card, you can not only swipe your card at home, deposit and withdraw cash at ICBC's national outlets or UnionPay ATM, but also use or withdraw local currency at designated merchants of VISA, MasterCard or AmericanExpress card and ATM with its logo, enjoy the preferential exchange rate of international credit card organizations, and reduce the loss and trouble of foreign currency exchange.
RMB account and foreign currency account (USD or HKD) have their own credit limits, which do not affect each other. In addition, the US dollar account can be used for shopping on foreign websites, and the unique online transaction switching function of Peony International Card fully guarantees your card safety.
2. China Agricultural Bank Jinsui Credit Card Dual Currency Card
The dual-currency credit cards issued by ABC are Visa and MasterCard. In addition, featured cards include Jinsui Platinum Card, Jinsui International Travel Card and MasterCard HNA Co-branded Card. The dual-currency card has two accounts, RMB and USD, and both accounts enjoy a credit line. Overseas non-UnionPay POS consumption and overseas ATM withdrawal use US dollar accounts, and there is no handling fee for consumption. For cash withdrawal, the handling fee is charged at 3% of the transaction amount (minimum $3). If the local currency is not USD, you need to pay the international settlement fee. Visa is 1% of the transaction amount, and MasterCard is 1. 1%。
3. BOC Great Wall International Card
There are four kinds of chip (EMV) credit cards that meet international standards: USD, HKD, EUR and GBP. It can be spent by more than 29 million VISA or MasterCard merchants in 256 countries and regions around the world, and can also be withdrawn from member banks, and can also be used at ATMs marked with "PLUS" or "CIRRUS" around the world. In addition, you can also pay related fees online.
4. BOC Great Wall International Zhuojuan Card
Credit cards, products, services and discounts specially designed for international students take care of the needs of international students. Zhuojuan Card has two options: Euro Card and Sterling Card. Parents can pay their children's living expenses for studying in China through various repayment methods.
5. China Merchants Bank Dual Currency International Credit Card
China Merchants Bank has a variety of dual-currency international credit cards, among which airline credit cards have cooperation with many airlines. For example, China Merchants Bank and All Nippon Airways jointly launched ——ANACard, the first foreign airline joint credit card in China. Credit card consumption can accumulate mileage; With this card, you can get up to 2 million yuan of aviation accident insurance if you pay the full plane ticket or 80% of the tour fare.
6. CITIC dual-currency credit card
Citic dual-currency credit cards (RMB and USD, RMB and HKD) can be used by more than 27 million merchants with VISA logo around the world, and can also be used to withdraw money from more than 700,000 ATMs around the world 24 hours a day. CITIC Credit Card also provides aviation accident insurance with a maximum of150,000 yuan, and the "400" Mandarin global customer service hotline provides 24-hour free service.
7. CCB Business Travel Series Dual Currency Credit Card
Many credit cards such as China Eastern Airlines Dragon Card, Shenzhen Airlines Dragon Card and Mango Travel Dragon Card in CCB Business Travel Series are dual-currency credit cards. For example, China Eastern Longka is an aviation joint credit card jointly issued by CCB and China Eastern Airlines. This card is a combination of Longka dual-currency credit card and Oriental Miles membership card. In addition to accumulating Oriental Miles points, you can also receive high aviation accident insurance. If the domestic flight of China Eastern Airlines is delayed for more than 4 hours, it can also receive flight delay insurance and baggage delay insurance.
8. Bank of Communications dual-currency credit card
In the form of main card and supplementary card, it is universal and there is no handling fee for consumption. The longest interest-free period is 56 days, and you can also withdraw cash urgently abroad. I will send you the child's consumption bill on time every month, and I can also open a banking service. The consumption details of each child will be sent to your mobile phone in the form of SMS at the first time. If you lose your credit card, you should immediately call 86-4008009888 to report the loss overseas to avoid loss.
Fourth, matters needing attention
1. Adjust the credit card limit.
Under normal circumstances, the credit card limit given by the bank is relatively large. For example, my credit card limit is close to 20 thousand yuan, which is generally not needed. In case the credit card is lost, it will cause a lot of unnecessary losses. Therefore, individuals can manually adjust the credit card limit, for example, setting a limit in the credit card limit adjustment of China Merchants Bank Online Banking Professional Edition, so that the credit card consumption limit is within this limit, and the risk is much less. When you need more credit cards, you can modify them manually.
2. Turn off the ATM withdrawal function of the credit card.
It is basically useless to withdraw money from ATM by credit card, and the interest rate is surprisingly high. Once the credit card is stolen, it will bring greater risks. It is suggested to turn off the cash withdrawal function of the credit card.
6. Which is safer, signature or password?
Taking signature as proof of credit card consumption is the mainstream of international banking. From the security point of view, this kind of credit card can be consumed only by signing, especially through online banking. Generally, as long as the cardholder's name, credit card expiration date and inquiry password are known, it may be stolen. Therefore, many cardholders in China think that passwords are more secure than signatures. However, the use of passwords also has some disadvantages, that is, the responsibility of keeping passwords is passed on to cardholders, which means "at your own risk". Once a credit card is fraudulently used, the rights and interests of the cardholder who uses the signature can often be better protected and compensated.
What are the international credit cards?
1 visa
Visa card has also been translated into Visa, Visa, Cai Huika and Visa. It's a credit card brand. 1959, bank of America began to issue American bank cards in California, and 1976 began to issue Visa cards. 1977, "Visa" was officially regarded as the symbol of the organization and was called the Visa international organization. VISA card is a credit card issued by Visa International with the ending of 1982. It can be accepted at more than 29 million merchant trading points around the world, and cash can be withdrawn from1800,000 ATMs, which is infinitely convenient.
2. MasterCard
Mastercard international established an internationally accepted credit card system in the late 1950s and early 1960s, and it immediately became popular all over the world. 1966, the interbank association was established. 1969 The Bank Card Association purchased the patent right of MasterCharge, and unified the credit card name and style design of each issuing bank. In the following ten years, MasterCharge's original name was changed to MasterCard.
3. American Express
Since 1958 issued the first American Express card, up to now, American Express has issued American Express cards in 49 currencies in 68 countries and regions, building the world's largest self-contained special merchant network with more than 60 million high-quality cardholders. American Express Company was established in 1850, and its initial business was to provide express service. With the continuous development of business, American Express took the lead in launching traveler's checks at 189 1, mainly for high-end customers who travel frequently. It can be said that American Express has served high-end customers for a hundred years, and accumulated rich service experience and a huge group of high-quality customers. There are Peony American Express Card, China Merchants Bank American Express Card, CITIC American Express Card, Great Wall American Express Card and Minsheng American Express Card.
4. Dinner Club
Diner's Card was founded by entrepreneur FrankMCMamaca on/1950. This is the first plastic payment card, and eventually developed into an international credit card. 198 1, Citigroup, the holding company of Citibank, the largest retail bank in the United States, accepts DinersClubIntenational card. The main advantage of Diner's Card Company is that it has increased its sales in underdeveloped areas and consolidated its strong position in the credit card market. The company strengthened its position in the international market by forming a reciprocal agreement between Dalai's cash exchange network and ATM network.
China Industrial and Commercial Bank launched the first Dalai brand RMB/USD dual-currency card in Chinese mainland.
5. JCB (Japan Credit Bureau)
JCB card is a universal international credit card. It is a credit card jointly issued by Mitsui Bank of Japan, Nobuyuki Bank of Japan, Mitsui Bank, Concord Bank and Daiwa Bank at 196 1. The credit card (20 13) has been issued and circulated in 190 countries and regions around the world. They are the top five international credit card brands and the only international credit card brand originating from Asia.
JCB pays special attention to China, South Korea and other countries and regions. In China, nine banks have issued JCB credit cards, including China Bank, Shanghai Bank, China Everbright Bank, China Minsheng Bank, China Merchants Bank, Shanghai Pudong Development Bank, Ping An Bank, China Construction Bank and China Industrial and Commercial Bank. The number of cardholders has exceeded 5 million.
Annual interest rate of credit cards in three major state-owned banks
The annual interest rate of credit cards of the three major state-owned banks is 19.86%.
The annual interest rate of credit cards of the three major state-owned banks is 19.86%. Many cardholders must have received a phone call from the bank "inviting" you to pay by installments, sometimes once a few months and frequently several times a month. Have you ever wondered why the bank is so active in asking you to pay by installment? Are its advertised interests really real interests? Did it really help you reduce the repayment pressure, or increased your repayment pressure? Today, I will teach you the algorithm of the real interest rate of credit card bills in installments! First of all, the bank must be profitable for you to perform. As the old saying goes: "The world is bustling for profit, and the world is bustling for profit!" .
Which Taobao joint credit card is good? Comparison of Advantages and Disadvantages of Taobao's Three Credit Cards
It is convenient and safe for banks to buy Taobao co-branded credit cards with their own characteristics. Because each bank has different policies for different people, the amount and usage rules of Taobao credit card are also different. So which is better for Taobao co-branded credit card? How should I choose? Here are four high-quality Taobao credit cards for everyone.
Which Taobao joint credit card is good?
Societe Generale, Ping An, China, Guangfa and China CITIC Bank all launched Taobao shopping points activities. The Societe Generale Credit Card Center Taobao co-branded cards have platinum card standard version, platinum card elite version, gold card and ordinary card. Which bank Taobao credit card is better, the factors we want to examine are nothing more than cashback strength, how many points to send when shopping, how much to reduce when it is full, and so on. Generally speaking, every Taobao credit card has its own merits, and no one can be perfect. However, there are still many people applying for Taobao Credit Card of Industrial Bank, which meets the consumer demand of most people. The characteristics of other banks may not be so obvious, and cardholders can choose according to their own needs.
Comparison of Advantages and Disadvantages of Three Taobao Credit Cards
First, CITIC Taobao co-branded credit card.
1, the new household card enjoys the 30 yuan Alipay red envelope;
2. Alipay express payment has points, gold card consumption or withdrawal 1 yuan points, double birthday, the highest accumulated points 10 times;
3. Surprises continue throughout the year, with 50% discount for cooperative businesses on Wednesday and Saturday; You can also enjoy the value-added preferential activities such as "9-share exchange" of CITIC Credit Card and "watching movies in 9 yuan";
3, 4 hours 1000 yuan flight delay insurance.
Advantages: online and offline transactions count as points.
Disadvantages: The reward points are limited, with Taobao V6 customers not exceeding 40,000 points and customers below V5 not exceeding 30,000 points.
Second, Guangfa Taobao Card
1, Guangfa Taobao Card directly accumulates concentrated treasure, and every time it consumes 5 yuan = 1 concentrated treasure, 100 concentrated treasure = 1 yuan;
2. Every Friday, if the end of the consumption authorization number is "8", you can get the same amount of concentrated treasure;
3. On the 8th of each month, 10: 00- 16: 00, grab the Jifenbao red envelopes on time, and send out * * * 4 million Jifenbao red envelopes at random that day;
Advantages: consumption directly accumulates treasures, and treasures are spent as money.
Disadvantages: consumption directly accumulates Jibao and does not accumulate Guangfa points. Only used in Taobao, the scope is limited.
Third, Ping An Taobao co-branded card.
1, online shopping Alipay fast payment has points, and points can also be spent as money;
2. Enter Taobao for purchase through Ping An Wanlitong website, and Taobao members get 3 times Miles points;
3. Shopping in popular cooperative businesses (Tmall, 1 store, JD.COM, Amazon, Haagen-Dazs, etc.) on Wednesday can enjoy a maximum discount of 100 by 50. ).
Advantages: Ping An Taobao Card cooperative merchants cover online and offline, and there are points for online transactions, and there are as many as 27 cities offline (10 yuan has more than 1,000 restaurants and shopping discount merchants).
Disadvantages: Ping An Miles points will be converted into 15% handling fee for integral treasure.
Introduction of other Taobao credit cards
1, Industrial Bank Taobao co-branded credit card
Xingye Taobao co-branded credit card covers six functions, including "online application of credit card, quick payment of credit card, online payment of points, quick payment of credit card bills and online repayment of Alipay". Customers can operate through the network from application, use to repayment, and truly realize a faster, more affordable and full-process online payment service.
2. China Bank Taobao co-branded credit card.
China Bank Taobao Credit Card is a joint credit card of Bank of China Co., Ltd. and Taobao and Alipay under Alibaba Group. Activate the cartoon payment function on Alipay website to facilitate online payment. China Bank also provides services such as easy to buy by stages and preferential merchant network all over the world.
After signing a contract with Alipay account, BOC Taobao credit card cartoon payment can be made from the bound credit card without logging into Alipay account through online banking and relying on Alipay payment password, so as to experience simple, safe and fast Alipay online payment.
3. Shanghai Bank Taobao co-branded credit card
Through Alipay express payment transaction, you can not only earn Taobao points, but also accumulate credit card points of Taobao co-branded cards. When you pay by Alipay Express, you can directly deduct the amount paid by Alipay Express by using the credit card points of Taobao co-branded card. 750 credit card points = 100 points. In addition, at any business outlet of Shanghai Bank, you can enjoy the green channel of VIP customers at the outlet when you show this card, and give priority to private cash business.
This concludes the introduction of the three major credit cards and the six major credit cards. I wonder if you have found the information you need from them?