I think the classic platinum card of Pufa Dream Card is good, but only personally, it mainly depends on personal needs, such as:
1. Pudong Green UnionPay low-carbon theme credit card and platinum card; The annual fee is free in the first year and can be refreshed next year; The amount is 5k- 10w. In fact, this card should not be placed here, but because this card is a new card recently, the number of intermediaries is about two days ago. Although this card is a platinum card, it belongs to the scope of small platinum from past experience. At present, the rate of applying for a pass is uncertain, because this is a new card that has just been put on. Finally, we have to wait until most card friends have confirmed the pass rate, so Little Mouse does not recommend that everyone blindly apply for this card!
2. Pufa Dream Card Classic Platinum Card; Free every year; With a line of 2K- 15W, this card is a classic card of Shanghai Pudong Development Bank. Generally speaking, it is recommended to use qualified card friends. Here is the classic platinum card of dream card. In fact, there are many different types of dream cards, and the card drop rate is very high, but the limit span is very large. If you don't want to put the card too low, please note that Shanghai Pudong Development Bank applied for a perfect comprehensive score in advance, so the general quota of 3-5W is no problem!
1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. This form is a card with issuer's name, expiration date, quantity, cardholder's name, etc. The signature strips of the cardholder and the magnetic stripe are printed on the front and the magnetic stripe. Consumers with credit cards can buy or spend in specialized commercial service departments, and then the bank will settle accounts with merchants and cardholders. Cardholders can overdraw within the prescribed limit.
2. The credit card stipulated by the relevant laws of our country (the National People's Congress interprets the Criminal Law of Credit Card) refers to the electronic financial payment card 20 17 12 1 issued by commercial banks or other financial institutions with the functions of full or partial consumption payment, credit loan, transfer settlement and cash deposit and withdrawal. The English translation standard in the field of public service has been formally implemented, which makes it stipulated that the English name of credit card standard is Credit Card.
3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash during the consumption period, and repayment is made within the settlement date.
4. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card, and the cardholder has a certain credit limit, and can repay after spending within the credit limit; Quasi-credit card refers to quasi-credit card. The cardholder can deposit a certain amount of petty cash as needed, and when the balance of the petty cash account is insufficient to pay, he can overdraw within the specified credit limit. Credit cards usually refer only to credit cards.
What bank should I apply for a credit card for the first time?
Novices have no experience in handling cards and don't know which bank to go to. In fact, you can consider Minsheng Bank's credit card for the first time. This bank has low credit card application threshold and good rights and interests. It is still possible to choose Minsheng Bank's credit card as the first card in life. By the way, introduce three popular credit cards of Minsheng Bank to novice friends.
Reasons for choosing Minsheng Bank by credit card for the first time:
1, the application threshold is low, the review speed is fast, and the results can be obtained in 5 minutes at the earliest;
2. The credit line is high, generally starting from 5,000 yuan. If the credit limit is not enough, you can take the initiative to apply for withdrawal;
3. The points are of high value and can be exchanged for Starbucks, Burger King and so on.
4. The handling fee for cash withdrawal is the lowest, and the Bank's inter-bank cash withdrawal is 1%, with the lowest 1 yuan;
5. There are many preferential activities, which are available every day, 7 days a week, and you can also eat food at half price.
6. There are many application channels, such as counter application and online application.
Of course, the advantages of Minsheng Bank credit card are not limited to these five points, so I won't introduce them here. Of course, after choosing a good bank, you have to choose a credit card. Minsheng Bank has many kinds of credit cards. It is suggested that novice friends choose the appropriate card according to their actual needs.
For the first time, you can choose these three Minsheng credit cards:
1, Minsheng Card
This is Minsheng Bank Youth Card and the credit card with the largest number of applicants. You can consider this credit card for the first time.
Minsheng Bank strongly introduced this credit card and made a special discount page for this card. The biggest highlight of this card is that it is free of annual fee and handling fee during the validity period of the card. There are also a variety of staging options, and you can also enjoy the benefits of Alipay and Tenpay.
The card also has exclusive benefits. Before August 3, 20 17, every natural week, the points will be over 399 yuan, and 1 points can be exchanged for Starbucks large coffee, which can be purchased in several times. After reaching the standard, you can participate in people's livelihood activities every day and enjoy different discounts seven days a week.
2. Minsheng Women's Consumer Credit Card
This is a theme credit card designed and developed by Minsheng Bank for high-end female customers, and it is also a dual-currency credit card. These cards include three grades: Puka, Gold and Platinum. The design of the card surface is based on rose color, with peony, rose and flower fairy as the main design styles, which is quite feminine.
When you apply for a card for the first time, you can choose to apply for an ordinary card or a gold card. It is not recommended to start with a platinum card. If you don't have strong financial strength as the backing, novices can easily be rejected when applying for a platinum card.
In terms of rights and interests, people's livelihood women spend multiple heavy rights and interests by swiping their cards, and share fashion life with women all over the country. When they are activated, they will get a "new flower opening ceremony" worth 1000 yuan, and get a full mask payment by swiping the card, and they can exchange masks for free. They can also participate in the daily activities of People's Livelihood Day, and enjoy double points every Thursday, which will bring the most sincere love and respect to their female compatriots.
3. Minsheng White Strip Co-branded Card
This is a joint card of Minsheng Bank and JD.COM. Novices who often write IOUs on JD.COM can consider applying for one.
This card is a UnionPay gold card. Friends who want to apply for a gold card for the first time can apply. The amount is between 1 and 50000 yuan. The benefits include direct annual fee exemption within the validity period, interest-free repayment period of 565,438+0 days, fee-free withdrawal through our channels, triple points for birthdays, triple points for privilege days (27th of each month), automatic redemption of JD.COM Steel _ points, and maximum five points for privilege days.
Now you can enjoy double gifts when you apply for a card. When you open your card, you can get six interest-free coupons and free delivery coupons in JD.COM Mall. You can get free electronic coupons for Starbucks coffee if you spend three times in a natural month, and 99 yuan can participate in people's livelihood activities every day if you spend three times.
Here, I would like to introduce this white card for people's livelihood, and another reason is that it can be used to return the JD.COM white card. When used with credit cards, white cards can enjoy an extra long interest-free period of 80 days.
Summary:
Minsheng bank credit card has many application channels. I suggest you apply online. Now, the online application for Minsheng Credit Card will be sent to luxury brands for card opening. From now until July 3, 20 1 year, the new household network applied for Minsheng Bank credit card and successfully approved the card. You can choose one of the following card-opening gifts: chef's thermos cup, Swarovski crystal pen in FolliFollie wrist bag and Samsonite backpack.
20 17 three entry-level credit cards are your first choice.
If you want to have enough money, you can apply for a credit card. In order to let everyone hit a wall in the process of handling cards, so as not to be rejected by the bank every time, three entry-level credit cards were specially selected for everyone.
Of course, this entry-level credit card is not suitable for some novices. Even if you have applied for a credit card, you can consider these three credit cards. After all, their application is not difficult, their rights and interests are good, and they also have very real preferential activities.
1, Minsheng Card
Minsheng in Card is a credit card launched by Minsheng Bank, and a special discount page has been made for this card. The biggest highlight of this card is that it is free of annual fee and handling fee during the validity period of the card. There are also a variety of staging options. With this card, you can also enjoy the discount of Alipay and Tenpay.
With this card, you can also exchange 1 points for Starbucks large coffee. Card friends who like to go to Star Dad for coffee must seize the opportunity. In addition, if the card consumption reaches the standard, you can also participate in Minsheng Bank's Everyday People's Day and enjoy a discount every day:
On Monday, you can drink coffee at 65,438+00 yuan, on Tuesday, you can exchange 65,438+00 yuan for a single ball of Haagen-Dazs ice cream, on Wednesday, you can get a red envelope with 0 points in installments, on Thursday, you can get a car wash coupon of 65,438+0 yuan, on Friday, you can get a food coupon redemption code, on Saturday, you can get a movie coupon of 30 yuan, and on Sunday.
2. Bank of Communications Wal-Mart Credit Card
Wal-Mart Credit Card is an evergreen tree of Bank of Communications. In-store consumption can be doubled, exclusive Wal-Mart shopping discounts, credit card points can be exchanged for credit card payment and so on. Card friends who are proficient in bonus hunter can get thousands of yuan in feedback every year by using this card, which can be described as a wool weapon.
There are two main activities in discount, both of which can be refunded separately. One is "daily discount", and the other is the signature activity of Bank of Communications, "The Most Red Star Phase 5" supermarket activity:
1. Wal-Mart Supermarket can enjoy the bonus of this transaction every day if it spends more than 65,438 yuan +028 yuan on this card and meets other conditions for participating in the activity;
2. For the "Red Star Five" supermarket activities, you can enjoy a 5% credit card reward for this transaction every Friday.
3. Guangfa DIY Credit Card
Guangfa DIY card focuses on DIY's high cost performance. If others spend 1 yuan, they will get 1 point, and if you spend 1 yuan, you will get 3 points. Points can also be deducted from credit card consumption at the ratio of 500: 1, which can be described as killing two birds with one stone.
When opening a DIY card, you can choose one of three merchant types with 3 times points, namely, catering, entertainment, shopping and travel. Of course, if you pursue brainless credit card swiping, please spend 58 yuan directly to choose three types when applying, and DIY cards with three types of blessings can also travel all over the world with one card!
The five most valuable credit cards.
1. China Merchants Bank young Card: This card is a credit card with a low application threshold, which can be applied by college students who have just joined the work, and the card has a fast withdrawal speed, which is more suitable for raising cards in the early stage.
2. Safe Car Owner Card: This is a credit card suitable for car owners and friends. Car owners and users can get corresponding discounts when using this card to refuel.
3. Bank of Communications Wal-Mart co-branded card: This is a co-branded card of Wal-Mart and Bank of Communications. Users have corresponding discounts when shopping at Wal-Mart, which is suitable for users who often shop at home.
Four. ICBC's World Struggle Card: ICBC's Struggle Card is also a credit card with low processing threshold and fast withdrawal speed. Novice users can choose to raise cards.
5. China Everbright Bank Taobao Movie Cool Black Co-branded Card: This is a credit card jointly signed by China Everbright Bank and Taobao Movie. Users have corresponding discounts when purchasing tickets for Taobao movies, which is suitable for young people to apply for and raise cards.
Note: The ranking is in no particular order.
According to Article 7 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit cards refer to all kinds of media that record the relevant information of cardholders' accounts, have the functions of bank credit line and overdraft, and provide relevant banking services for cardholders.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English name of CreditCard was specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when consuming and will be repaid on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards usually refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 20021year, the Supreme People++promulgated and implemented the Provisions of the Supreme People++on Several Issues Concerning the Trial of Civil++Cases of Bank Cards.
Which banks' credit cards are most worth keeping?
I think it is right to cancel some cards, and the average user can keep 4-5 cards. Credit cards mainly consider rights and quotas. It is suggested to keep Shanghai Pudong Development Bank, Industrial and Commercial Bank of China and China Merchants Bank.
1, Shanghai Pudong Development Bank has a high quota, so you can apply for express delivery AE White,+Silk 300, and upgrade your rights once a year, which is very awesome. In addition, Pufa's universal loan is very useful for users with financial needs.
2, China Merchants Bank, as long as it is used normally, the amount is raised quickly, and there are rich activities such as consumption and catering. You can apply for a classic white card after upgrading to 50,000.
3. As industry benchmarks, ICBC and Cosmic Bank are easy to use as long as their assets or credit are good, the withdrawal amount is unlimited, and there are many outlets.
The rest can be selected according to daily needs and card rights. For example: owner card, mileage card, supermarket card and so on.
I think the most valuable cards (fast and stable credit cards) are China Merchants Bank, Agricultural Bank, Shanghai Pudong Development Bank and Minsheng Bank for the following reasons:
1. China Merchants Bank Credit Card (simple withdrawal method)
The credit card withdrawal period of China Merchants Bank is very stable, and the withdrawal amount is high.
China Merchants Credit Card likes to swipe small cards. The more times you brush it, the more you like it. China Merchants Credit Card likes staging, and the staging period should be controlled within 3 to 6 months. China Merchants Credit Card also likes+++,so it is difficult to do it without increasing the quota (merchants like restaurants and entertainment enterprises).
China Merchants Bank's weekly 35% discount activity is also very powerful.
Second, the Agricultural Bank credit card
Agricultural Bank of China is the most stable of the four major banks, and it raises the amount every three months. Agricultural Bank of China likes large-scale consumption (catering and entertainment), and its activities in recent years are also good, which is worth keeping.
ABC should remember not to use temporary withdrawals and cash withdrawals.
3. Shanghai Pudong Development Bank Credit Card
Shanghai Pudong Development Bank has made great efforts in recent years. They often send credit cards and points, and business activities are also very good. Moreover, Shanghai Pudong Development Bank has a card that accelerates the white note, and the score is five times. The points are very powerful and can be redeemed for miles. Blessed are friends who like to travel by air, and they can sit for free.
Pufa likes large installments. As long as you dare to installment, he will dare to give you a quota.
Four. Icbc credit card
ICBC credit cards like to spend a lot (very tolerant). Raising the amount is actually very simple, fast and high.
ICBC's famous star-brushing cash withdrawal method starts from 50,000 yuan and reaches double 7 stars. When applying for an ICBC credit card, the amount and withdrawal are very high, basically above 50,000 yuan.
Friends who like it can pay attention to it, and friends who have big or small machine needs or don't understand can write privately! Share credit card knowledge with you from time to time! Welcome more friends to join the cannon family, and more content will benefit you!
I can't compare with the big boss above. I come from the bottom of society and my quota is very low.
China Construction Bank: 18000
Bank of China: 3000
Postal savings office: 9000
China Merchants Bank: 26000
Everbright: 6000
Pufa: 27000
ICBC: 48000
Transportation: 16000
I want to cancel a few, too many, but I can't stand the temptation. When I was asked to apply, I applied, and the results were more and more. Fortunately, most of them are free of annual fees.
I think ICBC and China Merchants Bank are the most worth keeping.
The landlord is amazing.
I think it's right to cancel some cards and increase the quota. The most worthwhile thing to stay.
1. Industrial and Commercial Bank of China
The first line in the universe, the loan interest is low.
2. China Merchants Bank
If the quota is approved well, it is easiest to increase the quota.
3. Others, Pufa, can stay if there are more places. Bank of Communications has good strength and stability.
Among them, CITIC Bank, I was reduced by him for no reason, so I had a bad impression. Bank of China is a functional bank, which is unfavorable to retail customers. I don't have CCB or ABC, so I don't comment. People's livelihood is not good and the number of places is low.
I've been using my credit card for almost 15 years, which should be considered early. When I first went to college in 2004, I got a young card from China Merchants Bank with an initial quota of 3,000 yuan. So far, I have five credit cards in my hand (the total amount is only 654.38+0.37 million, but seven of them have actually been cancelled), which should be regarded as early cards. In fact, I'm not professional at all, and I don't have the consciousness of raising cards. Here are just my own experiences and suggestions.
I used the credit cards of China Construction Bank and Industrial Bank in the process of China Merchants Bank, but they were cancelled in less than two years.
I went shopping with my wife after work, about 14. There is a joint credit card of Bank of Communications in front of Wal-Mart. At that time, I worked in a state-owned enterprise with a credit card of 20,000. After the card is released, it is basically useless. Results After half a year, the credit card automatically rose to 40,000 yuan. No wonder the internet said that I would neglect the Bank of Communications for a while, and my credit card automatically went up. Practice has proved that it used to be, but now it is basically useless. I heard that the risk control is very strict and it is easy to reduce the card.
Let's start with Auntie Bank, the largest bank in the universe. As the largest credit card issuer in the universe, Auntie Bank is different in applying for a credit card. I can apply without any job. /kloc-in 0/7, I resigned and applied for an ICBC constellation gold card online. As a result, the card limit is 20 thousand. To my surprise, I heard that the quota of Auntie Bank has risen rapidly and is increasing at present. In addition, the installment rate of bank aunts is the lowest in the universe.
There is also a 15000 of Minsheng Bank and 5000 of Agricultural Bank, both of which are activated.
To sum up, China Merchants Bank is definitely a credit card worth owning, not to mention Aunt Bank.
Self-demand
First of all, you must understand what the purpose of your credit card application is,+++or pure bonus hunter. Every bank has different preferences.
Investment promotion, high amount of funds and loans, and more catering activities.
Shanghai Pudong Development Bank has high loan interest and relatively few activities.
Citic, a recognized miser, has a very high loan amount ranging from 200,000 to 300,000, and will be discounted later.
Transportation, recognized as the big brother of risk control, is called the fifth largest bank because of its risk control ability. Its main activity is Red Friday. Because of its risk control, it should not be regarded as+++.
People's livelihood can be mentioned once every three months, and there are not many activities.
For the four major banks, it is recommended to hold at least one card and handle other businesses later, so that risk control will be relatively easy.
You can choose the card that suits you according to your own situation, and then choose other cancellation.
At present, there are 1 1 cards.
Guangfa Platinum 1 10000, reserve fund.
Pufa Platinum 90,000, reserve fund, double points.
People's livelihood platinum 50 thousand, capital reserve.
CITIC Platinum 35000, watch imax movies.
50,000 yuan for transportation and meals.
China Merchants Fund is 60,000 yuan, and there are many shopping activities.
Everbright Gold 60,000, reserve funds.
China Agricultural Bank ETC paid 45,000 yuan to pay for car washing.
Beijing Platinum 1.3 million yuan is a five-star hotel buffet.
HSBC platinum 23,000 yuan, used to watch a movie of 9 yuan.
Bank of China: RMB20,000. Due to chicken ribs, I am going to cancel the card.
Let me talk about my own for your reference.
1. China merchants bank activated the initial line of 6000 in June 20 15, and now the line is 56000;
2.2065438+In April 2005, China Everbright Bank activated the initial quota of 5000, and the current quota is 20700;
3.2065438+In July 2005, the initial activation quota of Bank of Communications was 14000, and now the quota is 66000;
4.2065438+In July 2005, China Construction Bank activated the initial quota of 15000, and now the quota is still15000;
5.2065438+In September, 2005, Guangfa Bank activated the initial line 15000, and the current line is 86000;
6.2065438+In May 2007, Guangzhou Bank activated the initial line of 30,000 yuan, and now the line is 68,000 yuan;
7.2065438+In July 2007, Shanghai Pudong Development Bank activated the initial quota of 45,000, and now the quota is 90,000;
8. Ping An Bank activated the initial quota of 30,000 yuan in August 20 17, and the current quota is 30,000 yuan.
From the above time span, approval quota and final quota, it can be concluded that the credit cards of China Construction Bank, China Everbright Bank and Ping An Bank are not so easy to use in terms of quotas, but the credit cards of China Everbright Bank have one advantage, and their points are valuable and can be used to exchange goods without spending a penny; Credit cards of China Merchants Bank, Bank of Communications, China Guangfa Bank, Bank of Guangzhou and Shanghai Pudong Development Bank are all good. Generally speaking, the credit line is relatively easy to withdraw, and the credit line is also very high. China Merchants Bank will increase its credit line very quickly, once every three months, and using credit cards many times will increase the credit line very quickly. In addition, I used its universal fund in Shanghai Pudong Development Bank once, and I felt "sou", and the credit line was suddenly increased to 90,000. At first, I felt that Bank of Communications was not easy to use, and the withdrawal was very slow. But later, when the money was used too much, its aftereffect exploded, and the quota was quickly mentioned to me as 66,000.
The above is my card experience, and I like to give you a compliment.
20 17 which bank's credit card works well?
The basic functions of credit cards are the same, such as credit card consumption and online payment. China Merchants Bank will launch different offers and promotions for different credit cards from time to time. Because personal preferences are different, I suggest you choose according to your own preferences. If you need to know the details of the credit cards currently launched by our bank, please log on to the credit card website and click "Apply for Credit Card"-"Credit Card Family Photo" to select the credit card you are interested in.
This is the end of the introduction about what credit cards are good and what credit cards are easy to use. I wonder if you have found the information you need?