From the aspects of credit card grade, annual fee collection, rights and interests available to consumers, the following two credit cards of China Everbright Bank are better: Meng Tong Theme Card of China Everbright Little Yellow Duck, Longteng Platinum Credit Card and UnionPay Gold Card.
First, Everbright Little Yellow Duck Meng Tong Theme Card:
Grade: Gold Card
Annual fee: 200 yuan/year, and the card swiping operation is free of annual fee. Free of annual fee when issuing cards, and free of annual fee for spending three times or more than 2000 yuan in the following year.
User rights:
1, high travel insurance: users can enjoy travel accident insurance with the maximum insured amount of 1 10,000 yuan. When consumers travel for a long distance, they can use Everbright Little Yellow Duck Meng Tong Theme Card to spend money, and after it takes effect, they can get high insurance to protect their travel.
2.B.Duck shopping discount: Users can enjoy a 15% discount VIP treatment when shopping in B.Duck brand clothing stores and boutiques with Everbright Little Yellow Duck Meng Tong theme card.
2. China Everbright Bank Longteng Platinum Credit Card:
Grade: Platinum Card
Annual fee: the annual fee of the current year 1 188 yuan, and the annual fee of the next year can be deducted by points, and the annual fee can be deducted by 200,000 points.
User rights:
1. Travel benefits: From the date of approval, users can use Longteng VIP room service unlimited times within 6 months. You can get points after 6 months, and you can only deduct your own consumption when you exchange points.
2. Road rescue: Users can enjoy no more than 6 road rescue services every year. Vehicles enjoying this service include: vehicles under the customer's own name, vehicles of the customer's legal spouse and vehicles that the customer is riding. It takes effect when it is unable to drive normally and needs rescue in case of failure. Enjoy services including: emergency oil delivery, trailer and quick repair service.
3. Various insurances: Accident insurance includes aviation accident insurance, train accident insurance, automobile accident insurance and other traffic accident insurance. Delay insurance covers flights that are delayed for more than 2 hours, and you can get compensation from 300 yuan, which is paid three times a year.
Third, Everbright Sunshine Credit Card UnionPay Gold Card
Grade: Gold Card
Annual fee: Credit card is free of annual fee.
User's rights and interests: Although it is a gold card level, because it is not a theme card, some high-interest projects are temporarily unavailable, but all preferential measures organized by China Everbright Bank are free to participate.
What kind of card is the best for Everbright Credit Card?
1, Industrial Bank: Industrial Bank has a relatively low card threshold. It's easier to get a card on Alipay, but it generally takes more than 620 sesame points to apply. As for the choice of card types, I would like to introduce you to applying for industrial bank pass credit card and industrial Taobao credit card. Generally, the audit results can be obtained within 5 minutes at the earliest after the application is submitted. With good credit, it is said that the support rate is above 90%.
2. Everbright Bank: Alipay users with sesame scores of 620 or above will find it easier to apply for Everbright Credit Card in Alipay. Many card friends report that they can be approved in seconds. Of course, they should choose the appropriate card type in advance. Here, I suggest you apply for a light yellow duck-themed credit card, which is said to be the easiest card for China Everbright Bank to approve. However, it should be noted that the online application of China Everbright Bank requires a face-to-face visa before it can be issued.
3. Minsheng Bank: Minsheng Bank cooperated with Alipay for a long time. Generally speaking, if there is no problem with credit information, sesame seeds can be approved in seconds if they score more than 600 points, especially now that the end of the year is approaching, the approval rate for handling cards is higher. In terms of card selection, female friends can apply for Minsheng Female Flower Credit Card, and car owners can apply for Minsheng Automobile Credit Card. In addition, Minsheng Baidu takeaway co-branded credit card and Minsheng.com Tesco installment credit card are also relatively easy to get off the card.
4. Guangfa Zhenqing Credit Card: Guangfa Zhenqing Credit Card is a female card launched by Guangfa Bank, which has outstanding advantages in shopping and female insurance! At the same time, you can choose one of the four major merchant types of department stores, restaurants, tourism and entertainment, and enjoy three times the credit card consumption points. However, it is important to note that this option cannot be changed.
What kind of credit card should China Everbright Bank handle?
That depends on what kind of card you want to get. If you only classify cards according to their appearance and characteristics, all the card approval conditions are the same. (For example, Everbright, Yanhuang Card, Fuka, Little Yellow Duck Card, Golf Card, etc. ), the application conditions of these cards are the same. If you look at the level of the card, it can be divided into general card, gold card and platinum card. The grades are increasing in turn, so if the grades are too high, the requirements for the application are too high. It is best to apply for an ordinary card, and the amount is generally between 2000- 10000 yuan.
1. China everbright bank credit card center was founded in July 2003 and formally established at the end of 2003. Directly under the head office of China Everbright Bank, it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations participating in national joint-stock commercial banks. Sunshine Credit Card provides a variety of repayment methods for you to choose from: outlet counter, automatic teller machine (ATM), self-service deposit machine (CRS), multimedia self-service inquiry machine, automatic transfer of Sunshine Card, inter-bank transfer/remittance, online bank repayment and telephone purchase of foreign exchange, which makes your credit card more worry-free.
Two, the bank according to the credit information provided by the credit card applicant, such as income status and credit rating. , to determine the maximum quantity that can be used within the specified time. The credit line can be recycled, and consumption or withdrawal can be repaid in whole or in part before the due repayment date. Cardholders can also apply for credit card limit adjustment.
Third, 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. Generally, this kind of credit card also has the functions of free annual fee for life, giving aviation accident insurance, and 48-hour card loss protection. Business credit card, central budget unit business credit card, sunshine business credit card and Shaanxi budget unit business credit card all belong to this kind of credit card.
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. The main function of Formula One racing credit card is to watch all kinds of racing events and buy souvenirs of Shanghai International Circuit at preferential prices. Unionpay Golf Credit Card holders can play golf in the cooperative course with a discount of 3-6%. Sports theme credit card has no special function, and its main features are novel card face and vertical design. China's calligraphy "Dreams come true" is the main pattern, which embodies the humanistic concept of "China people hold the Olympic Games". The main function of VISA Olympic theme credit card is to facilitate the purchase of Olympic tickets.
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. Mother's Water Cellar-Love Credit Card Features China Everbright Bank donated one thousandth of the credit card consumption to the charity event "Love the Earth: Mother's Water Cellar". The characteristics of Wuhan Hope Credit Card are as follows: everbright Bank donates 20 yuan to Wuhan Youth Development Foundation for each card successfully issued; Every time a cardholder swipes a card, China Everbright Bank donates 0. 1 yuan to the fund.
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. Everbright/Anbang Club co-branded credit card can be used as the membership card of Anbang Club, and enjoy preferential services such as installment payment, rescue, auto insurance, car repair, beauty treatment and modification.
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. Qingdao sunshine gourmet credit card can enjoy preferential treatment in more than 400 catering and entertainment merchants in Qingdao. Everbright/Farrell co-branded credit card, Everbright-China Unicom general points co-branded credit card, Shenzhen co-branded credit card, Shenzhen Sun Department Store co-branded credit card, Everbright-Fashion co-branded credit card, Zhengzhou Zhengdao Garden Yanhuang credit card and Everbright credit card can all receive preferential services in the corresponding merchants.
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 outpatient expert appointment, international outpatient diagnosis and treatment, appointment of home visits and other health service functions at the membership price; Obtain financial services such as VIP wealth management; Self-driving travel can get the automobile road rescue service provided by China Everbright Bank. Buy air tickets to get aviation accident insurance (up to 6,543,800 yuan). Baby-friendly credit cards can provide professional photography, expert early education, discounts on visiting aquariums, and beauty protection for women. Kunming Sunshine Water Card has the function of automatically withholding water charges. Beijing special housing maintenance fund card can check the special housing maintenance fund paid by the cardholder. Digital China Distribution Credit Card is a co-branded card used by Digital China Company and its distributors for distribution and purchase.
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. Ruyi Sambo Credit Card is a credit card specially designed for families. It is aimed at three objects in the family: father, mother and children. The card surface is designed with the sun, moon and stars, reflecting good luck and good wishes. "Fu" credit card takes "Fu" as the card surface, and Everbright Bank provides a combination of standard card and mini card.
What kinds of credit cards can China Everbright Bank classify according to their grades?
Everbright Bank credit cards are divided into different cards according to different types. Details are as follows:
1. Personal cards are divided into personal cards and corporate cards according to different card issuers, among which personal cards are divided into main cards and auxiliary cards (also called supplementary cards).
2. Corporate cards are divided into business travel cards and business purchase cards according to their purposes.
3. According to different product grades, it can be divided into unlimited cards, diamond cards, platinum cards, titanium cards, gold cards and ordinary cards; According to different information carriers, it can be divided into magnetic stripe card, chip (ic) card and magnetic stripe chip (IC) composite card.
4. Divided into single currency card, dual currency card and multi-currency card according to different currencies; According to the different card shapes, it can be divided into standard cards and special cards.
5, according to whether joint (identity) is divided into joint (identity) card and non-joint (identity) card.
6. According to different interest-bearing methods and preferential conditions, it can be divided into credit cards and quasi-credit cards. Credit cards will use China UnionPay, VISA and Master.
Logo of MasterCard, JCB or other credit card organizations.
How about Everbright Credit Card?
The credit card of China Everbright Bank is still very easy to use.
The benefits of Everbright Credit Card itself are more cost-effective. The credit card business of China Everbright Bank is the industry leader among many domestic banks. Everbright Credit Card not only has high card handling efficiency and fast card issuing speed, but also has first-class benefits. The standard credit cards of China Everbright Bank are divided into ordinary cards and gold cards. The issuance amount of ordinary cards is about 5000, while the initial amount of gold cards can reach between 13000- 15000. Puka quota: 3000-10000; The gold card amount is:10000-50000; Platinum card limit: 50000-300000.
China Everbright Bank does not charge an annual fee for its credit card in the first year. From the second year, you can avoid the annual fee as long as you swipe your card more than three times. Other banks require cardholders to spend more than 6 times. Everbright Bank has been deeply loved by many consumers, and there are also many preferential activities, and all kinds of points are exchanged and fully cashed back.
Benefits of Everbright Credit Card:
1, password consumption, safe and reliable;
2. Reward customers and keep exciting;
3, one card and two coins, universal;
4. RMB settlement of overseas credit cards;
5. Overseas foreign currency consumption and domestic RMB repayment;
6. Convenient cash withdrawal at home and abroad;
7. A variety of repayment methods;
8. Consumption first, then repayment;
9. Interest-free repayment period;
10, no guarantor, no deposit;
1 1, temporary credit line increased;
12, reporting loss is zero risk.
The disadvantage of Everbright Credit Card is that it is difficult to increase the limit. The general credit limit of Everbright Credit Card is around 1 1,000, but the upper limit of 50,000 is more difficult. Although Everbright Bank has the shortest adjustment cycle among all banks, the adjustment range is very low.
China Everbright Bank Credit Card Center was founded in July 2003 and formally established at the end of 2003. Directly under the head office of China Everbright Bank, it is a credit card center serving consumers within the framework of state-owned holding and international financial organizations participating in national joint-stock commercial banks.
Sunshine Credit Card provides a variety of repayment methods for you to choose from: outlet counter, automatic teller machine (ATM), self-service deposit machine (CRS), multimedia self-service inquiry machine, automatic transfer of Sunshine Card, inter-bank transfer/remittance, online bank repayment and telephone purchase of foreign exchange, which makes your credit card more worry-free.
The introduction of what is Everbright Credit Card and what is Everbright Bank ends here. I wonder if you found the information you need from it?