As one of the leading enterprises in electric commerce, JD Finance has a huge user base. In the past two years, in order to seize the credit card market, JD Finance has successively set up JD.COM Xiaobai Card in major banks in the United Nations. Many card friends ask, is JD.COM Xiaobai Card a credit card? The answer is naturally yes.
JD.COM Xiaobai Card is a credit card.
JD.COM Xiaobai Card, also known as White Co-branded Credit Card, is a characteristic credit card of Jingdong Finance and credit card centers of banks. Different from traditional credit cards, JD.COM Xiaobai Card not only has high value, but also supports free customization. Cardholders can also enjoy the credit card gold card courtesy of various banks and the preferential rights of JD.COM White Bar. At this level, JD.COM Xiaobai Card is a credit card that is more suitable for cardholders who often spend money in JD.COM Mall.
The amount of small white card in JD.COM
As a special credit card, it is jointly issued by China Everbright Bank, China CITIC Bank, Huaxia Bank, Minsheng Bank and China Merchants Bank. The JD.COM White Card of each bank is at the gold card level, and the credit limit is between10,000-50,000. The specific credit line will be comprehensively evaluated by the bank according to the applicant's credit, and the applicant's data in JD.COM and Xiaobai credit score are also important reference factors.
JD.COM Xiaobai Card Application Path
1.JD.COM only provides online credit card application service platform. The use, interest calculation, repayment and account management of credit cards shall be implemented by the relevant systems and regulations of the card issuer, and JD.COM shall not assume any responsibility.
JD.COM Xiaobai Card is a credit card. In addition to the basic functions of credit cards, small white cards of different banks can also enjoy various benefits and rights provided by banks and JD.COM. If you are a JD.COM fan, it is more appropriate to apply for a Zhang Zhongxin white co-branded card.
What types of credit cards does China Everbright Bank have?
Everbright Bank credit cards have the following types:
1, business travel credit card.
This kind of credit card is mainly issued by the company, which can help the company improve the management of travel expenses and facilitate employees to reimburse travel expenses. At the same time, the unit can also provide cardholders with higher consumption quota protection.
2. Sports credit card.
This kind of credit card takes sports as its theme, and its main function is either to facilitate the purchase of tickets for a certain sports event or to go to cooperative venues for sports at preferential prices.
3. Charity credit card.
This kind of credit card is generally based on a charity activity, and China Everbright Bank donates to this charity activity according to the cardholder's card handling or credit card consumption.
4. Car/gasoline credit card.
Everbright Bank has never issued a real car/gas credit card. Everbright/Wanxing Co-branded Credit Card is only issued in Shanghai, and can be used as the membership card of Shanghai Wanxing Automobile Company, enjoying the automobile sales, insurance and other services provided by the company.
5. Shopping and spending credit cards.
There are many such credit cards, generally co-branded cards issued by China Everbright Bank and specific merchants or institutions. They can enjoy shopping discounts as joint membership cards.
6. Other special credit cards.
The slogan of Yanhuang Credit Card is "Global Chinese * * *", which is actually a credit card for high-end customers (including overseas compatriots in China). Cardholders can enjoy VIP clinic expert appointment, international clinic diagnosis and treatment, home visit appointment and other health service functions at the membership price.
7. Standard credit card.
Sunshine Credit Card is a standard credit card issued by China Everbright Bank. In addition to the basic functions of credit cards, we also jointly developed the business travel service function with Ctrip. It can book travel products (air tickets, hotels, etc.). ) price concessions, credit card spending can get double points.
Extended data
1. All China citizens, foreigners living in China and compatriots from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, legally stable income and good reputation can apply for personal credit card MasterCard with their valid certificates. Note: the application card needs to be accompanied by work certificate, and other conditions are needed, including social security, good enterprises such as institutions, vehicles, houses, etc. , the specific phone number can be contacted.
Two, the principal cardholder and the deputy cardholder * * use the same credit line; The cardholder of the primary card can set the usage limit of the secondary card within the credit limit; All transaction funds, corresponding interest and expenses of the secondary card are credited to the account of the primary card, and the cardholder of the primary card is fully responsible for the debts incurred under the primary card and the secondary card.
3. Enterprises, administrative institutions, social organizations and other economic organizations authorized by a legal person to open a basic account in domestic financial institutions may apply to the card issuer for a corporate card with an account opening permit issued by the People's Bank of China. If you apply for a++business card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange.
Each unit can apply for several unit cards, and the cardholder qualification shall be designated or revoked in writing by the legal representative of the applicant unit or its entrusted agent. The applicant shall bear all debts arising from the unit card.
4. When applying for a credit card, the applicant shall fill in the application form and the authentic materials required by the card issuer correctly, completely and truly, and sign a contract with the card issuer. According to the applicant's application and credit status, the card issuer decides whether to approve his application, whether to require him to provide guarantee and guarantee method, and determines the credit limit.
Five, credit card applicants to provide security methods include guarantee, mortgage and pledge. The scope of guarantee includes all outstanding debts under the cardholder's credit card, and the corresponding guarantee contract is signed for guarantee.
6. The credit card issuer of China Everbright Bank provides the cardholder with the inquiry password and transaction password through designated channels.
7. After receiving the credit card, the cardholder shall immediately sign the same signature in the signature column on the back of the credit card and use the same signature in the transaction, otherwise the cardholder shall be responsible for the losses arising therefrom.
Baidu Encyclopedia-China Everbright Bank Credit Card
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). The common credit card brands in the world mainly include Visa and MasterCard. Major domestic commercial banks also provide international credit card services, so 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 HKD) 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 ATMs, but also use or withdraw local currency at designated merchants with VISA, master card or AmericanExpress cards and ATMs marked with VISA, MasterCard or American express cards, so as to enjoy the preferential exchange rate of international credit card organizations and reduce the loss and loss of++exchange.
RMB account and++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?
Using 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 you know the cardholder's name,++,credit card validity period and inquiry password, you 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.
What are the five good credit cards for ABC to handle credit cards?
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.
Top Ten Credit Cards with the Highest Gold Content in China
The top ten credit cards with the highest gold content in China are as follows:
1, Minsheng Bank Diamond Credit Card, among the credit cards issued in China, the most outstanding one should be Minsheng Bank Diamond Card. Although the color of the card is not black, its credit limit can reach up to 3 million RMB, and the annual membership fee is as high as 10000 RMB.
2. ICBC Peony Platinum Card, which claims to have only 7,000 users worldwide. As one of the four largest state-owned banks in China, the issuance standard of Peony Platinum Card is quite strict. Individuals cannot take the initiative to apply, and they must be invited by the bank to apply.
3. China Everbright Bank Yanhuang Credit Card-Platinum Card, features: ultra-high aviation risk.
4. CITIC Bank Air China Companion CITIC Credit Card, Platinum Card, Features: The first Platinum Air China Companion Credit Card.
5. CITIC Bank CITIC Star dual-currency credit card and platinum card. Features: global airport VIP room courtesy.
6. China Everbright Bank Everbright Golf Credit Card and Platinum Card. Features: In more than 65,438+050 golf courses all over the country, you can enjoy the preferential golf service at a discount of 5-7% off the tourist price.
7. Everbright Bank Sunshine Business Travel Credit Card, Platinum Card, Features: VIP exclusive, optional++.
8. China Merchants Bank China Merchants Bank Platinum Credit Card, Platinum Card, Features: National Special Store.
9. Shanghai Pudong Development Bank Pudong Credit Card, Platinum Card, Features: RMB/USD dual currency settlement.
10, Pufa Dream Card, personalized personal tailor service, distinguished vip service at many airports at home and abroad and high-speed railway station, preferential service at international hotels, free of annual fee, and high cash rebate for consumption abroad.
The introduction of featured credit cards ends here.