Which bank's credit card works well?

China Merchants Bank, China Guangfa Bank, China Construction Bank and Industrial and Commercial 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, and it 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 withdrawal, and the withdrawal is fast, with an interest-free period of up to 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.

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 for cash withdrawal, free handling fee for foreign currency transactions, 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.