How about Universe Bank credit card?

Advantages and Disadvantages of ICBC Cosmic Star Card

ICBC Cosmos Constellation Credit Card is the first "Internet" credit card product issued by ICBC for young customers. The card face of 12 constellation is carefully hand-painted according to the star map of each constellation. Constellation cards can enjoy the following benefits:

Simple platinum cards and gold cards are free of annual fees within the validity period;

Enjoy a 3-day repayment grace period;

Free of foreign exchange charges;

Get 10 times points for spending with the card on the birthday (including the accumulated points activities of third-party consumption during the activities, such as Alipay);

From June 5438+1 October1to February 3, 20201,the theme parks on four continents in the world can be booked as low as 40%;

From June 9, 2020 to June 9, 2020 to February 36, 2020, there is a 50% discount for 10000 merchants in Japan.

From June 5438+1 October1day in 2020 to February 3 1 day in 2020, individual cardholders with credit card gold level or above will enjoy the five-star hotel buffet and afternoon tea "two people traveling together and one person free of charge" discount;

During the period of 20201October 9, 65438+February 3, 20201day, the simple platinum card can also be given as an extra gift: accor hotel room rate discount: call accor hotel group hotline 4008 182688 to book and stay in the executive room or higher level room of participating hotels in Greater China, and enjoy a 30% discount.

(Answer time: June 5, 2020. In case of business changes, please refer to the actual situation. )

Which bank has the best credit card? These four banks are worth handling!

More than half of 20 19 has passed, and the competition among major banks has not stopped. As a user, it is most important to choose the most cost-effective and worthwhile credit card. Today, I took stock of several bank credit cards worth applying for. I hope everyone can choose freely according to their own needs.

1, Industrial and Commercial Bank of China

As a big name in the financial industry, Universe Bank has a very high gold content and a relatively high application threshold, whether it is investment and wealth management or loan credit cards. ICBC is conservative in personal credit risk control, and the credit card quota is generally not high, but it is still very fast to swipe the card all the time. In addition, ICBC has a large number of business-to-business accounts. I believe many people choose ICBC because the salary card is also in ICBC, which is more convenient for repayment.

2. China Construction Bank

China Construction Bank developed co-branded credit cards earlier in China, and its business level is also good. For example, the love credit card that cooperates with the Red Cross can donate money without an annual fee. In addition, the automobile co-branded card of China Construction Bank has discounts on car washing and refueling, and its outlets are relatively wide. The entry-level platinum card is relatively simple without annual fee.

3. China Merchants Bank

At present, most people have a CMB credit card. China Merchants Bank's services include telephone, APP and WeChat, and the overall style of credit cards is younger. It is more convenient to spend abroad. There are many kinds of co-branded cards, which are updated quickly. The main offers are 50% off movie viewing, half-price food on Wednesday, and redemption of series points. Suitable for office workers who have just graduated.

4. China CITIC Bank

The next amount is very high, and the withdrawal speed is very fast. The amount is free, rising from several thousand yuan to more than ten thousand yuan. There are many types of credit cards, such as CITIC Xiaobai Card and CITIC Yanka series, and there are also many discounts on online shopping. The famous 9% discount can be used for wool.

What is the use of ICBC Cosmic Constellation Credit Card?

ICBC Cosmos Constellation Credit Card is an "Internet" product issued by ICBC for young customers, which is divided into simple platinum card and gold card, as follows:

1. Free of annual fee within the validity period;

2. Tolerance of repayment time;

3. Free of foreign exchange fees;

4. You can get 10 times points for spending on your birthday;

5. Nuoxin Cake 13 discount;

6. If this card is the first credit card of the bank, you can spend 1 at will within 30 days, and you can get 1 month Youku or Iqiyi VIP members from the official account of "ICBC Credit Card WeChat";

7. You can also participate in our shopping weekends and global activities and get a lot of discounts from merchants.

Send SMS "Constellation Card" to 95588 to get the card link.

The five most valuable credit cards.

1, China Merchants Bank Youth Card

It is more suitable for college students who just graduated. The threshold is low, and there are cash withdrawal discounts. The key is easy to raise and suitable for accumulating personal credit.

2. CITIC Yanka Series

High face value, gold card level, but the application threshold is loose, as long as you have a job and good credit information. As long as you make good use of your card, you can not only enjoy 9 points of CITIC Credit Card and 9 yuan exchange privileges, but also increase the quota to 50,000 yuan.

3. China Industrial and Commercial Bank World Struggle Credit Card

The World Struggle Credit Card issued by Universe Bank has three grades: ordinary card, gold card and platinum card. Applicants can apply for a suitable grade card according to their own card conditions and needs. This card is not only rich in rights and interests, but also the application threshold is relatively loose, making it easier to start. If you take care of your card every day, it is worth raising, and your star rating in ICBC has improved, and the credit card limit is easy to withdraw.

4.ABC ETC credit card

This card is more suitable for car owners who need to cross the road at high speed. You can avoid the annual fee by brushing several times, and you can also enjoy high-speed charging concessions, refueling concessions, car washing, road rescue and other benefits. At the same time of raising cards, wool is also constant.

5. Safety owner card

Adding 88 oil every day is a powerful right, and it is still in cooperation with PetroChina and Sinopec, and the oil products are guaranteed. If you are a car owner, the daily refueling pressure will be much less, and it is worthwhile to raise a card.

How about ICBC Cosmic Star Card?

Cosmos credit card is an exclusive credit card designed by ICBC for the twelve constellations. Constellation cards are divided into three grades: simple platinum, gold and ordinary (at present, only gold cards are issued in the first batch).

With this card, you can enjoy the following benefits and rights:

Annual fee reduction and exemption within the validity period;

2. You can get 10 times points for spending on your birthday;

3. Free of foreign exchange fees

4. From now until 20 17, 12 and 3 1, new customers who apply for ICBC credit cards for the first time will spend once within 30 days after opening the card, and they can choose to receive 1 month Youku Video VIP members or Iqiyi VIP members through the official account of "ICBC Credit Card WeChat".

Customers can pay attention to WeChat official account "China Industrial and Commercial Bank Electronic Banking" to obtain more preferential rights.

Compared with other credit cards of ICBC, what are the advantages of Universe Credit Card?

Advantages of ICBC Cosmos Constellation Credit Card;

1, annual fee reduction

From the date of application, any card type can apply for annual fee reduction within the validity period of the credit card;

2. Time tolerance reimbursement

Cardholders can enjoy a 3-day grace period service, and as long as they repay within 3 days, they will be deemed to repay on time. Repayment subsidy 10 yuan. On the payment date of the allowance, as long as the unpaid part of the cardholder's bill is less than or equal to 10 yuan, it will be regarded as the repaid amount;

3. Free seed exchange fee

Consumption abroad is exempt from foreign exchange charges. This card can be used in ten corresponding countries and regions such as USD, EUR and HKD. After consumption, it can be directly recorded in the corresponding currency, and the cardholder does not need to pay extra foreign exchange fees.

4. Ten times integral

Cardholders can get 10 times points for spending on their birthday;

5, video member gifts

Users who apply for ICBC Constellation Card for the first time through online channels can receive Youku member or iQiyi member for one month in the official account of credit card WeChat within 30 days after activation, and they can also freely choose other video platform members;

6. Overseas WIFI is free.

Customers with platinum or gold cards can get overseas wifi 1 12 for free. Cardholders can make an APPointment on WeChat official account or mobile app or official website. You can also get two days' rent by entering a free coupon when you pay. Each person is limited to one piece.

7. Other preferential activities

In addition to the above, cardholders can also enjoy preferential activities such as staying in Windham Hotel, afternoon tea in five-star hotels, free parking at the airport, etc.

Extended data:

1. ICBC Cosmic Constellation Credit Card Introduction: What are the advantages of ICBC Cosmic Constellation Card? Cosmic Star Card can be said to be the best-looking credit card in ICBC's history. Universe credit card is divided into three grades: simple platinum card, gold card and ordinary card.

The design of the card surface is the same, which is distinguished by the color of the side base of the card. The color is simple platinum, red is gold card, blue is Puka, red is gold card and blue is Puka. The amount of simple platinum card is 50,000 yuan; The gold card quota is 20,000 yuan; The amount of Puka is 2000 yuan.

2. Generally speaking, the ICBC Star Card not only has a high quota, but also has many advantages, so this card is more suitable for starting. In addition, ICBC's credit card limit is notoriously lower than most banks. In most cases, if you don't have a large deposit in ICBC, the credit card limit will be lower.

If you are a super big customer of ICBC, you can apply for a credit card at will, and the amount will not be much lower. After all, ICBC doesn't read cards.

So much for the introduction of Universe Bank credit card.