Banks are making full use of credit cards, which makes them more and more popular. In addition to the four major banks we are familiar with, there are many credit cards issued by China Everbright Bank, among which there are many good cards that everyone talks about. Many friends asked whether the credit card of China Everbright Bank was good. I can only say that there are advantages and disadvantages. Let's take a look together.
Advantages of credit card of China Everbright Bank
1. The security of credit card use is a very important part. The credit card consumption of China Everbright Bank can be paid by password signature, with high security.
2. Everbright Bank credit card provides free SMS notification, which is convenient for cardholders to accurately grasp the card dynamics and help avoid card theft.
3. The credit card installment of China Everbright Bank is very convenient, especially for China Everbright Mini Card. No matter the merchant, amount and place, it can be installment. The key is that there is no installment fee.
4. Under the platinum card of Everbright Credit Card, the annual fee can be exempted by swiping the card number generally, and the annual fee for the following year can be exempted only by swiping the card unlimited times for 3 times.
Disadvantages of Everbright Bank's credit card
1, China Everbright Bank has relatively few outlets, and it is not so convenient to handle business in some places.
2. The gift renewal in the credit card exchange center of China Everbright Bank is slow and relatively less attractive.
3. The credit card popularity of China Everbright Bank is not so great, so consumers will offer fewer discounts.
4. Everbright Bank cares about many banks. For those who hold more cards, it generally refers to more than 6 bank credit cards, which is generally difficult to get rid of.
The above is an introduction to the advantages and disadvantages of China Everbright Bank's credit card. Generally speaking, the credit card of China Everbright Bank is still worth applying for. Different cards have different rights and advantages. Just choose what you need and what suits you.
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. Repayment in RMB in consumption abroad;
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.
Is the credit card of China Everbright Bank good?
Relatively speaking, commercial banks are easier to handle than the credit cards of the four major state-owned banks in China. Each bank's credit card has its own characteristics and processes. Credit cards of China Merchants Bank, Bank of Communications, CITIC and Guangfa are easier to handle than those of the four major banks.
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.
1. China Merchants Bank Credit Card
The best credit card of China Merchants Bank is YOUNG Card, a credit card product tailored for the younger generation. Fresh graduates can apply for small white-collar workers, and college students who have reached 18 can also apply for formal internship contracts.
Friends who have used China Merchants Bank's credit card know that China Merchants Bank's service is very good, which is the best among all banks. Although China Merchants Bank can't handle cards with cards, the efficiency of issuing cards and withdrawing cash is still quite high. Moreover, China Merchants Bank supports WeChat cash withdrawal test. Once the test passes, you can withdraw cash quickly, simply and quickly, which is so powerful.
2. Bank of Communications Credit Card
It is often recommended to apply for the Y-power card of Bank of Communications, and the withdrawal amount is 65,438+000%. There is no annual fee in the first year, and you can avoid the annual fee by swiping your card six times in the second year, which is very powerful.
The usual activities are also super powerful, such as the annual essential activities: the most red star period five, the super most red star period five, and the weekly brush. In addition, Bank of Communications supports card processing. Although the risk control is strict, it is not as difficult as everyone said.
3. Ping An Bank Credit Card
Ping An Bank has also expanded rapidly recently to support the insurance policy. Compared with China Merchants Bank and Shanghai Pudong Development Bank, the preferential activities of Ping An Bank's credit cards are not outstanding. However, the owner card of Ping An Bank is very powerful for the owner, because there are many gas concessions.
4. CITIC Bank Credit Card
It is recommended to apply through the internet, which is quite efficient. Generally, short messages will be accepted by banks within 24 hours. Auditing information is simple, as long as you provide a copy of your ID card. But as for the amount, it is very difficult.
Citic's credit card has more powerful activities from time to time. In recent years, the "9-point exchange" activity has a good reputation, but it has been spit out by everyone because of the adjustment of strategy. However, I still recommend its Platinum Card and JD.COM White Card.
Verb (abbreviation of verb) Guangfa Bank Credit Card
Guangfa is known as an iron rooster, mainly because the quota is difficult to mention, but there are still many preferential activities. The best credit card of Guangfa Bank is undoubtedly Guangfa True Love Credit Card. As long as you are a female customer and can provide stable income proof and personal information, there is no obstacle to applying for this card.
6. China Everbright Bank Credit Card
It is easy to apply for a card, and the amount is high. You can apply for an adjustment of the quota for half a year, and generally increase it by 1 times at a time. The best thing is that there are many points activities, often several times as many as sending points, and online transactions are also counted as points.
In fact, at present, as long as your credit qualification is good enough, apply for a credit card in any bank, repay the loan in time, and use the card reasonably, the quota will go up.
The introduction of China Everbright Bank Credit Card and China Everbright Bank Credit Card ends here. I wonder if you found the information you need from it?