List of well-known (famous) credit card brands in China (20 17): including the top ten credit card brands+Pudong Credit Card, Minsheng Credit Card, Xingye Credit Card, JD.COM White Bar, Ant Flower Shop and Huaxia Credit Card.
Six international credit card organizations: VISAInternational, MasterCardInternational, China UnionPay, American Express, DinersClub and JCB.
Extended data:
Credit card, also called credit card, is actually a kind of credit card. It is a simple credit service to pay after consumption in the form of non-cash transaction based on credit.
The main purpose of credit card is overdraft consumption. That is, the overdraft limit provided by the bank for cardholders is used for credit card consumption. Credit card spending does not charge any fees for a certain period of time. In addition, credit cards can also be overdrawn for cash withdrawal, but there is no interest-free period for overdraft cash withdrawal. Interest is calculated on the day of cash withdrawal and a handling fee is charged.
In addition to the above two basic purposes, credit cards also provide cardholders with services such as installment repayment, consumption points and exclusive rights. If the cardholder can spend rationally and repay on time, there are still many benefits to using credit cards.
References:
I like cards.
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 card you are interested in.
Alipay's best credit card
1, ICBC Struggle Credit Card. ICBC has no time tolerance. As long as it is overdue, it will be credited. But this credit card has a three-day repayment period, which gives some careless people a certain repayment time. Moreover, there are many ICBC outlets, and there is no handling fee for swiping cards abroad.
2. ABC's beautiful mother credit card. This credit card is more suitable for Ma Bao, where you can buy things for yourself and your children and offer preferential activities.
3. Bank of Communications Wal-Mart Credit Card. This is a co-branded card. Housewives who love shopping and shopping in supermarkets can choose this credit card and enjoy double points when shopping in supermarkets. There are many gifts that can be redeemed for points. The types of cards are mostly shopping cards such as leisure and entertainment, major supermarkets, electrical stores and automobile stores.
4. China Merchants Bank Youth Card. Yongka has a high credit line. After all, it is a commercial bank, with simple procedures and low threshold. However, as long as it is an online application, the salesman will come to the door, and it is not easy to get rid of the card without a job, but it is still quite good for the little white collar who just went to work.
Moreover, the rights and interests are better, with double points for the birthday month, free handling fee for the first withdrawal every month, three times of card opening and many other preferential activities. But after all, it is a young card, and only people under the age of 30 can apply.
Alipay's credit card processing requirements are not high, unlike the bank's strict requirements for the applicant's credit conditions. Therefore, the general credit conditions can be handled through Alipay.
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. [ 18]
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 Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays 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 generally 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, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
application for insurance
In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
What credit card is better for 20 17?
If you meet the requirements of China Merchants Bank's credit card application, you can try to apply. The most important condition for applying for China Merchants Bank Credit Card is 18-60 years old (25-60 years old for foreigners), with certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. If you are interested in CMB credit card and have never held our credit card, you can apply in the following four ways: 1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer"; 2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person; 3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application. 4. If you have applied for the professional version of our online banking, you can apply through the professional version. Remind you that credit card verification is subject to the final audit result.
Three entry-level credit cards, 20 17, are your first choice.
If you want to have enough money, you can apply for a credit card. In order to avoid being rejected by the bank every time, we specially selected three entry-level credit cards for everyone.
Of course, this entry-level credit card is not for some novices. Even if you have already 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, people's livelihood in Carne
Minsheng in card is a credit card launched by Minsheng bank, and a special discount page has been made for this card. One of the biggest highlights of this card is that during the validity period of the card, there is no annual fee and no handling fee for withdrawal. 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 credit card consumption reaches the standard, you can also participate in Minsheng Bank's Everyday People's Day and enjoy the discount every day:
On Monday 10 yuan can drink coffee, on Tuesday 10 yuan can redeem Haagen-Dazs ice cream single ball, on Wednesday at 0: 00, you can get the installment red envelope, on Thursday 1 yuan car wash coupon, on Friday, you can get the food coupon redemption code, on Saturday, you can enjoy the 30 yuan movie coupon, and on Sunday, you can enjoy the 100 discount.
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, Wal-Mart can enjoy exclusive discounts on shopping, and credit card points can be exchanged for credit card payment. Card friends who are proficient in bonus hunter can get thousands of dollars 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 the "Day Discount", the other is the signature activity of Bank of Communications, and the "Most Red Star Period Five" supermarket activity:
1. Wal-Mart Supermarket can enjoy the bonus of this transaction every day if its single consumption on this card exceeds RMB 128 yuan and meets other conditions for participating in the activity;
2. "Red Star Five" supermarket activities, this transaction can enjoy 5% credit card bonus every Friday.
3. Guangfa DIY Credit Card
Guangfa DIY card focuses on the high cost performance of DIY. If others spend 1 yuan, they get 1 point, and if you spend 1 yuan, you 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 you open a DIY card, you can choose one of three types of merchants with 3 times points, and these three types of merchants are: catering, entertainment, shopping and tourism. Of course, if you pursue brainless credit card swiping, please directly spend 58 yuan to choose three categories when applying, and DIY cards blessed by the three categories can also travel all over the world with one card!
20 17 the introduction of the best credit cards and the top ten credit cards ends here. Did you find the information you needed?