What credit cards do you have?

What are the classifications of credit cards?

There are different grades of credit cards, such as Puka, Gold, Platinum or Diamond. Card issuers will issue different grades of credit cards according to the social status, economic strength, purchasing power and credit rating of credit card applicants. Ordinary cards are generally the lowest grade, and the credit limit of high-grade credit cards is higher than that of low-grade credit cards.

Ordinary card is the lowest level credit card issued by card issuers, with the lowest credit limit. The credit limit of domestic ordinary cards is generally only 5000 RMB.

Gold card is a credit card with a higher credit limit than ordinary card. For individuals who have no credit history of ordinary cards, banks generally do not directly apply for gold cards, and the approval of gold cards is stricter than that of ordinary cards. Applicants need to provide proof of income and a good credit record.

Platinum card, also known as diamond card, is a credit card issued by card issuers to distinguish it from gold card customers. It provides higher-end services and rights than gold card, and generally adopts membership system. It usually has the service functions of global airport VIP room courtesy, high traffic insurance, global emergency support service (gcas) and 24-hour global dedicated telephone service.

Platinum card (diamond card) is the highest level credit card issued by Chinese banks at present. Banks are very strict in approving platinum cards (diamond cards) and the application conditions are also very demanding. Only a small number of high-income or leaders can apply. Its credit line is generally 10 to100000 RMB.

Types of credit card products

According to the different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

According to the different issuing banks, it can be divided into corporate cards and personal cards.

Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, military units, organizations and other legal person organizations.

Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.

Gold card. Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.

According to different payment methods, credit cards can be divided into credit cards and quasi-credit cards.

Credit card. That is, when the issuing bank provides bank credit, it overdraws first, and then repays or pays in installments. Most of these cards are used for international circulation. In other words, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used for international circulation.

Quasi-credit card It is a credit card issued by a bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance as a backup. The cardholder needs to use the card on the basis of the deposit balance, and generally no overdraft is allowed.

According to the different circulation scope of credit cards, they can be divided into international cards and regional cards

International card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express Card and DinersClubCard) are mostly international cards.

Area card. Regional card is a kind of credit card that can only be used in the country or region where the issuing bank is located. Most credit cards issued by commercial banks in China belong to regional cards.

What cards does a credit card include?

A credit card refers to a bank card that can be overdrawn in advance. There are many kinds of cards. If classified according to some standards, credit cards can include many cards, such as main cards and supplementary cards, foreign currency cards and UnionPay cards. Let's have a look.

There are many kinds of credit cards. Here, credit cards are classified into these types according to four criteria:

1. According to credit card issuers, it can be divided into international cards and unionpay cards.

1 international cards: There are generally five international cards, such as VISA, MasterCard and JBC. Institutions and outlets around the world that can accept this brand of credit cards can be unimpeded.

2 UnionPay card: UnionPay card refers to a credit card with the UnionPay logo, which is widely used in China. In the world, you can only swipe your card at POS machines or ATM machines with UnionPay logo;

2. According to the grade of the card, it can be divided into ordinary credit cards and high-end credit cards.

1 ordinary credit card: generally including ordinary card and gold card, which is relatively easy to apply;

High-end credit cards: including platinum cards, unlimited cards and diamond cards. , which requires higher qualifications for applicants;

3. According to the affiliation, it can be divided into main card and auxiliary card.

1 master card: the master card is a credit card issued by the card issuer to individuals who have reached a certain age, have full capacity for civil conduct, and have a stable job and income.

Supplementary card: Supplementary card refers to the credit card issued by the card issuer when the principal cardholder applies for his parents, spouses, children or relatives and friends with full civil capacity.

4. According to different card issuers, it can be divided into corporate cards and personal cards.

1 Corporate Card: Also known as business card, it is a credit card with business service as its core issued by card issuers. Specially for the company's needs, we provide professional services such as employee credit line, comprehensive statement, business travel preferential plan and so on. In case of expenses such as business travel expenses and business entertainment for employees of the company.

Personal card: it is a credit card issued by the card issuer to individuals with full civil capacity and stable work and income, which is different from corporate cards.

What credit cards are worth handling? Do you have any good recommendations?

On the question of credit cards, credit cards are now more and more sought after by everyone, which is also essential for the development of happy families.

The first is to recommend the credit cards of the four major banks in China, which have good stability, low risk control, high popularity and relatively simple application.

Other banks will not recommend them one by one, because most banks.

China Merchants Bank has a good credit card. More fans, more meals, more gifts, easy to take off the card. What exactly is it?

First: 50% discount

There is a 50% discount every Wednesday, that is, 50 yuan buys 100 yuan coupons or 20 yuan buys 40 yuan coupons. This is also the case. Generally, it cannot be superimposed.

If it is not Wednesday, there is usually a discount, ranging from 15% to 15%.

Second: there is a first brush gift.

Different fan cards have different first brush gifts.

For example, the young card is a suitcase, and I use this card myself.

Another example is the HelloKitty card, which is the fan cup.

There are many more, so I won't list them one by one.

Third: easy to get off the card.

In fact, it's really easy to get rid of the card, mainly because you have a formal job, a company fixed line, and preferably a savings card, so it's easy to get rid of the card.

Suggested priority card application order:

1: China Agricultural Bank, China Industrial and Commercial Bank, China Merchants Bank.

2: CCB, Citigroup and Standard Chartered

3: Pufa, Guangfa

4: Ping An, CITIC, People's Livelihood, Transportation, China Everbright and HSBC

Reason:

1. The credit cards of Agricultural Bank of China and Industrial and Commercial Bank of China are highly creditworthy and recognized by the other two major banks. They can quickly reach a higher limit through financial pledge and leverage.

2. China Merchants Bank does not support card processing, so it can only be raised slowly, but fortunately, the quota is very fast. Moreover, the diamond card has been active recently, and 500,000 yuan can be transferred to the China Merchants Bank card to prove assets. Diamond cards can be issued for more than 1 month, and the amount is generally 1 ten thousand. It's still hot so far away from the middle class. Bee king is crying blind. _)

3. CCB, Citigroup and Standard Chartered pay more attention to the number of cards held. If they have more cards, they may be regarded as high-risk customers and easily rejected.

4. Both PUFA and Guangfa have cooperated with airlines to accumulate mileage artifacts. After the above card application is completed, you can also consider these two types.

5. When one of your cards reaches a high quota or has graduated, you can apply for Ping An and CITIC. The two banks will refer to the existing limit, which will basically be the same as the maximum limit of the existing card. Are you afraid of doubling the quota in an instant? !

Third, the elite version

Suggested priority card application order:

1, fragrance of people's livelihood, China Merchants Bank

2. Agricultural Bank of China and Guangfa

3. CCB, Citigroup and Standard Chartered

4. Pufa, CITIC and Ping An

5. Transportation, China Everbright and HSBC

Reason:

1, people's livelihood incense is 65,000 yuan, and the monthly salary is over 10,000 yuan. There is no problem with credit reporting, and you can basically issue cards. (the monthly salary is over 10,000? ! Bee king, I'm really not an elite! )

2. China Merchants Bank must raise it slowly, so it is better to do it as soon as possible.

3. It is relatively easy for ABC and Guangfa to raise the amount, so you can apply first.

4. As mentioned earlier, CCB, Citigroup and Standard Chartered pay more attention to the number of cards, and many cards are easy to be rejected, so it is best to apply in advance.

5. Ping An and CITIC refer to the existing credit card, which will basically be equal to the maximum amount of the existing card.

6. You can apply for other cards at will.

Fourth, the silk version

Suggested priority card application order:

(Reasoning, Bee King, I can only watch this together. )

1, fragrance of people's livelihood, China Merchants Bank

2. Agricultural Bank of China and Guangfa

3. CCB, Citigroup and Standard Chartered

4. CITIC, Ping An and Shanghai Pudong Development Bank

5. Transportation, HSBC and Everbright

Reason:

1, China Merchants Bank, Agricultural Bank of China and Guangfa are the easiest to raise the amount, so do it first, concentrate on raising one card, and then do another card after graduation.

2. As mentioned above, CCB, Citigroup and Standard Chartered value the number of cards, and Cardo is easy to be rejected. It is recommended to apply in advance.

3. When a card has graduated in full, and the cards of CCB and other banks have also been applied, you can apply for Ping An, CITIC and Pudong Development, and they will give the quota with reference to the existing maximum quota. I am very excited to think of doubling the quota in an instant. )

4. Feel free to apply for the remaining cards.

1 Bank of China Great Wall UnionPay Platinum Card

No.2 China Merchants Bank Youth Card

No.3 You Ran Platinum Card of Agricultural Bank of China

Fourth China Industrial and Commercial Bank Forbidden City Co-branded Card

No.5 China Guangfa Bank DIY Card

No.6 Guangfa Bank Unlimited Diamond Card

No.7 Bank of Communications Wal-Mart Card

The Eighth Postal Savings Bank of China Zhi Ding Platinum Card

Tik Tok Platinum Card of China Everbright Bank No.9

10 Guangfa Bank China Life Platinum Card

Hello, Chu Xiao, a so-called old man who has been engaged in the financial industry for more than ten years, is a national financial planner. Since he got his first credit card in 2006, he has more than a dozen at most, and he is a master of standard credit cards. Please answer this question briefly.

First, understand the concept of credit card.

Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.

The credit card stipulated by relevant laws in China 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.

Secondly, the benefits and advantages of using credit cards.

We pay by credit card. In fact, the bank pays the merchants first, that is, we spend it first and then pay it back, so our cash can be used flexibly. For example, we can put it in the bank to generate interest or invest in financial products such as funds and stocks, with a buffer time of at least one or two months. Of course, be good at investing; Otherwise, there will be no money to repay on the repayment date, which will affect personal credit.

1. Less gratitude

2. Relative safety

Try to swipe your card when you spend money, so you can bring less cash-even if it is stolen or lost, it can reduce the loss.

Keep clean and hygienic.

be economical

Many banks' credit cards have cooperation or promotion with merchants, such as returning the existing discount by swiping the card, watching a movie or eating western food with a 15% discount. In addition, credit card points can also be exchanged for some gifts in daily life, and there are even some lucky draws.

promote

6. Relieve economic pressure

7. Accumulate personal credit records

8. Easy to understand the financial situation

9. Easy financial management

After the bill date, we will receive a detailed paper or e-mail bill, from which we can clearly understand our consumption and expenditure last month.

10. Some extra conveniences

Some credit cards also provide free accident insurance, medical insurance, trailer and car wash, enjoy the service of VIP rooms in banks or airports, and can also exchange benefits such as voyage and gasoline points.

Again, back to the topic "What credit cards are worth handling? Do you have any good recommendations? "

1, China Merchants Bank Youth Card: China Merchants Bank Youth Card is a credit card suitable for young people. It has the right to withdraw double points for birthdays as high as 100%. As long as users use it properly, the withdrawal speed is faster.

2. Bank of China Great Wall World Credit Card: The maximum credit limit of Bank of China Great Wall World Credit Card can be as high as 2 million, and it has many exclusive rights and interests, so it is easy to increase the credit limit.

3. ICBC World Struggle Credit Card: The application threshold of ICBC World Struggle Credit Card is relatively loose, which is easy to handle, and it is easier to withdraw the amount by keeping the card well.

4. ETC credit card of agricultural bank: ETC card of agricultural bank enjoys high-speed ETC preferential interest, as well as gas concessions. Car washing and other rights and interests are also better, and the quota is increased. Therefore, it is more cost-effective for car users to enjoy the corresponding rights while increasing the card amount.

5. Ping An Bank Owner Card: The biggest advantage of Ping An Bank Owner Card is that it can enjoy refueling concessions at thousands of gas stations across the country, and the withdrawal amount is fast, and the processing threshold is not high. It is also a credit card worth raising.

6. AE Xiaobai Credit Card of Shanghai Pudong Development Bank: This credit card has good rights and interests, can be exchanged for nine points, and can enjoy VIP room rights and various tourism rights without restriction, but the threshold of this card is high, but the corresponding amount is also high.

7. Ping An Bank Travel Platinum Card: As long as the credit card meets the consumption requirements, it can enjoy 1% cashback, and as long as the card is well maintained, the amount will increase rapidly. It is a credit card worth raising.

8. Bank of Communications Wal-Mart Card: Life shopping is an indispensable part of daily life, and Wal-Mart is full of supermarkets. This card was jointly launched by Bank of Communications and Wal-Mart. Users can enjoy the corresponding benefits when shopping at Wal-Mart with this card, and they can enjoy the corresponding rights while raising the card.

9. CITIC Bank Extension Card Series: The application threshold for this card is low, and users can apply as long as their credit status is good. As long as the card is carefully raised, the final amount can reach 50 thousand yuan.

10, Citibank gift card: Citibank's mileage card can be exchanged for corresponding mileage, which has more travel rights and is more suitable for users who often go out. The card has a high quota and quick withdrawal, but the application threshold is high.

Futures Chu Xiao reminds everyone that credit cards must be used rationally and planned rationally.

The four major state-owned banks generally use credit cards because:

1. State-owned banks have high credibility and reasonable fees.

2. Online payment is convenient and safe, and both support mobile banking.

The four major state-owned banks generally have local bank accounts.

There are many activities of redeeming credit card points for gifts in the four major banks.

Hello, I'm Inspector Ka. After reading your question, I want to go deep into the card and use it. Then I suggest you apply for some platinum cards, not too many, and the amount and rights are enough. I recommend several classic and easy-to-use platinum cards to you. You can apply according to your own conditions and needs.

I. CITIC No.1 Platinum Card

Card Name: CITIC No.1 Platinum Card

Recommended crowd: wage earners with short working hours can apply to become your first platinum card.

Annual fee policy: annual fee is reduced or exempted in the first year, and annual fee is reduced or exempted 12 times by swiping the card (including cash withdrawal) in the next year;

Special rights and interests: Double points can be calculated through online transactions (points are not calculated for sporadic online transactions), and points can be exchanged for various 9-point activities of CITIC. CITIC's 9-point exchange is quite powerful, such as 25 yuan Wanning cash and Starbucks' arbitrary large cup of coffee.

Inspector's comment: This is a platinum card in recent two years. Although it has declined recently due to equity adjustment, it is easier to get on the card. The working party, which has just worked for a long time, can easily get the platinum card. Pre-tax monthly salary of more than 5000 yuan, it is recommended to apply.

Second, Pufa Simple Platinum Card

Card Name: Pudong Development Simple Platinum Card

Recommended crowd: wage earners with short working hours can enjoy good high-end services at the price of civilians.

Annual fee policy: no annual fee.

Special rights and interests: buy one get one free buffet in designated five-star hotels, get three get two free accommodations in designated five-star hotels, and enjoy the fare concessions of Eastern Airlines, Singapore Airlines and Hainan Airlines.

Inspector's comment: Pufa AE is everyone's dream, but let's start with Pufa simply and lay a foundation for the next AE! Platinum Card Simplified Edition is a very cost-effective credit card of Shanghai Pudong Development Bank. It is a typical dual-currency platinum card design, and its appearance is still tall.

III. CITIC Yueka Platinum Card

Card Name: CITIC Yueka Platinum Card

Users: middle-income people.

Annual fee policy: swipe the card 1 time in the first year, and the annual fee in the first year is exempted, and the annual fee in the second year is exempted after swiping the card for 5 times in the first year.

Special rights and interests: the highest score of new customers in the first three billing months is 8 times.

Inspector's comment: Baiyue Card is quite difficult to use because its return combines assets and income. Only if you put more than 200,000 assets in CITIC can this card become a magic card interest: however, in terms of redeeming air miles, Yueka can be called a mileage god card, because this card can be linked with CITIC savings card, and the maximum score can reach 8 times.

According to the exchange ratio of 25: 1, if you deposit 50,000 yuan and spend 6.25 yuan, you can accumulate 1 km of Air China or China Southern Airlines mileage. If it is 200,000 yuan, you can exchange it for 3. 125 yuan Air China or China Southern Airlines mileage. But please note that this card only has points for offline consumption.

Iv. Pufa AE Express Platinum Card

Card Name: Pudong Express Platinum Card

Recommended people: middle-income people.

Annual fee policy: the first year's annual fee is preferential, and the second year's annual fee can be deducted by 200 thousand points.

Special rights and interests: VIP rooms in more than 800 airports around the world are free of charge for unlimited times, and you can bring 6 companions for free throughout the year. This right alone is already worth 2600 yuan! Nearly 40 major cities in China provide free airport pick-up service three times a year, and 24-hour free road rescue service within the national 100 km. 50,000 points can be redeemed for one night's stay in designated hotels, which cover 40 popular tourist and holiday cities at home and abroad and Southeast Asia, and more than 70 star-rated hotels and boutique hotels. Mileage redemption for the four major domestic airlines, 12 points for any airline of China International Airlines, China Eastern Airlines, China Southern Airlines and Hainan Airlines, 1 mileage, can be redeemed up to 200,000 miles per year. (The upper limit of HNA is 60,000 miles per year) and so on.

Inspector's comments: American Express Platinum Card has always been named as the first God Card by detectives, and it is a credit card worth owning. The threshold for handling cards is relatively high, but the rights and interests are very coveted.

Card using skills: Pufa Credit Card has 5 times integral rights, which can be purchased by official website Credit Card or APP. It seems that it was 3 yuan/Month before. I bought 9 yuan at a time for three months and automatically renewed it. This can be said to be a must. That's how Pufa AE Xiaobai's annual fee points come out. I can earn more to offset the annual fee.

Fifth, China Merchants Bank Classic White

Card Name: Classic White of China Merchants Bank

Recommended people: middle-income people.

Annual fee policy: annual fee is free in the first year, and can be redeemed with 10000 points every year from the second year.

Special benefits: each card can enjoy 1 free physical examination every year, and can be redeemed for 7000 points each time. Rights and interests can be transferred to relatives and friends; Each card can enjoy free oral care once a year, and the extra time can be exchanged for 3000 points, saving the cost of free dental cleaning once a year; Free golf driving range per card per year 12. Each card has six airport VIP rooms every year (one person can spend it once at a time). Stay in a five-star hotel from 300 yuan 100 points; It can also be exchanged for 4 Hyatt room vouchers, 300 points in 900 yuan are exchanged for the supreme level, and 300 points in 1200 yuan are exchanged for the elite level, which is transferable.

Inspector's comments: Needless to say, China Merchants Bank credit card is a very worthwhile card, which has been ranked in the forefront of credit card rankings for many years.

Card-playing skills: you can get 10 times points on your birthday, and you can get 65438+ million points by swiping 20000. 120 yuan's various rights and interests in tooth cleaning, physical examination, golf and five-star hotels are still very cost-effective.

Now all kinds of credit cards, all kinds of co-branded cards, gold cards and platinum cards make me dizzy!

Of course, when you apply for a card, you should choose what you need, such as gas concessions, free car washing, free pick-up by high-end airlines, free driving and VIP lounge!

Let me talk about my own most commonly used!

. Ping an che Zhu ka

This card is 88% off when you refuel. The maximum monthly cashback limit for gold cards is 60 yuan, which is OK. If it is not enough, you can apply for monthly 120 yuan car owner platinum. Moreover, this card has the accident insurance for the whole vehicle, which is as high as 165438+ 10,000. There is absolutely no need to buy additional insurance for the people on board.

There is also an unlimited daily comprehensive road rescue, and oil delivery, power supply and on-site quick repair are absolutely practical.

First of all, there are too many credit cards launched by major banks. You should choose the credit card that suits you according to your usage habits and scenarios. For example, if you fly frequently, you can choose an airline co-branded card, which can be sent by mileage; Often visit the supermarket, you can choose a supermarket co-branded card, and there are discounts at specific times; There are a lot of cars to choose from, owner's card, free car wash, gas and discount. Not one by one.

Secondly, if it is a white household (white households have never had business dealings with national credit reporting agencies, and there is no data in the credit reporting system), it is more difficult to get the first card. If you want to apply for the first credit card, you need financial proof, such as real estate license, driving license, work permit, bank deposit and bank payroll.

Thirdly, if you want to apply for a small card for daily consumption, you can choose CITIC, Ping An, Pufa, Guangfa and China Merchants. It's easier for these banks to issue cards, and the quota is ok. If business turnover wants more than one card, it needs to be handled from difficult to easy. We can start with the five major state-owned banks, followed by CCB, BOC, BOCOM, ICBC and ABC. If all five banks can handle cards, it will be easier to apply for credit cards from commercial banks.

Finally, I want to remind you that credit cards are very easy to use, but you should repay them in time and remember not to waste your credit information. There must be a plan to use the card. If there is a long-term minimum repayment amount or each bill is repaid in stages, it will bear relatively high interest. Wish you a happy greeting card!

1. First of all, it is not recommended to run the four major banks, because the four major banks have strict review, low initial quota and slow quota increase.

2. First of all, I recommend Guangfa. I use Guangfa Smart Card, and the quota is adjusted once every three months. I should have called. Secondly, I should apply for a credit card from Communications and China Merchants Bank. These two cards cooperate with many merchants, and Shanghai Pudong Development Bank also cooperates, but they are not as good as transportation and China Merchants Bank. They have one thing: meals can be discounted, but the number of places increases slowly.

Master Xing had better have one, and his points can be exchanged for many things. Note: it is a pure point exchange, and the amount has risen very quickly.

4. People's livelihood is ok, but the increase is ok, not as good as Xingye and Guangfa.

This concludes the introduction of what credit cards are available and what credit card banks are available. I wonder if you have found the information you need?