Benefits of credit cards:
1, you can get points by swiping a credit card, and you can get certain points to redeem gifts or air miles;
Some credit cards can be discounted in some places. For example, ICBC credit cards will regularly postpone the store information that can be discounted;
If you don't come here for the time being, using a credit card is equivalent to a small interest-free loan, as long as you repay it in the last repayment period.
You don't have to pay interest. In the current situation of raising interest rates, this has certain advantages.
4. At present, most credit cards can be exempted from the annual fee by swiping the card several times, while debit cards still have to pay 10 yuan a year.
Annual fee.
If your credit card contains VISA or MasterCard, you can swipe your card directly abroad, just according to the exchange rate at that time.
Switching to RMB saves you the trouble of queuing at the bank to exchange foreign currency.
CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It's silver
If the bank issues it to individuals and units, it will be used as a seal to buy, consume and deposit and withdraw cash from the bank.
It has the name of the issuing bank, the validity period, the number, the name of the cardholder and so on. , with magnetic stripe and signature strip on the back.
Credit card application: just bring your ID card to the bank outlet to apply and provide the corresponding information.
Is the Agricultural Bank credit card easy to use? What are the advantages and disadvantages?
Every credit card has its own characteristics, both advantages and disadvantages. Cardholders should choose according to their own needs and characteristics. In this issue, I will take stock of the advantages and disadvantages of ABC credit cards for everyone.
Advantages of ABC's credit card:
1, with many business outlets. Of course, compared with the other three major banks, ABC has another advantage: there are many small local outlets. Agricultural Bank of China may have the largest number of outlets among the four major banks. Because it is a "farmer", it is easy to find the Agricultural Bank even in a small place. This is the most prominent point of ABC!
2. The longest interest-free period is 56 days. The longest interest-free repayment period is 56 days, which is ahead of domestic counterparts and more flexible in mastering funds.
3. There is a student credit card specifically for college students. As long as you bring your ID card and student ID card to the business outlet, you can apply for a credit card unconditionally. Compared with ICBC Peony Student Credit Card, the credit limit is higher, with a minimum of 3,000 yuan.
4. ABC has many preferential activities. Enjoy a 6% monthly refueling subsidy, three free rescues around the world, and 4S store maintenance discounts; The credit card of Agricultural Bank of China often offers half-price movie viewing discount. 5. Universal at home and abroad. It can be directly consumed by more than 20 million merchants with VISA, MasterCard logo and China UnionPay logo at home and abroad, and can withdraw cash from more than 840,000 ATMs around the world, enjoying convenient and fast services at any time.
6. One card and two coins can be paid freely. The setting of RMB and USD dual accounts is specially designed for your global settlement needs, making the journey more relaxed and free.
7. ABC's most beautiful mother credit card gives more care to the baby and herself. You can get Spongebob Coral Velvet by brushing the 88th Head of State, and you can enjoy a full discount when shopping in Dangdang, JD.COM, and you can get a Disney English course of 5,000 yuan when you spend the full amount in the whole year! Also enjoy the integral area of beautiful mother!
Disadvantages of ABC's credit card:
1. As the four major banks, credit card approval is relatively strict, which is not as good as China Merchants Bank, CITIC and Guangfa. And there are many users of Kameng. Com said that the efficiency of ABC's credit card is not that high. (But it depends on the specific business outlets. )
2. The quota increase is relatively slow.
3. Although the Agricultural Bank of China has many concessions, banks such as China Merchants Bank, Guangfa Bank, CITIC Bank and China Construction Bank also have many concessions.
Advantages and disadvantages of agricultural bank credit card
Advantages of credit card: Compared with ordinary bank savings card, the most convenient way to use credit card is for ordinary consumption, and there is no cash in the card. In many cases, it is only necessary to return the consumption amount on time.
Disadvantages of credit card: the invention of credit card is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of issuing credit card is to make money. Once the interest-free repayment time is exceeded, high interest will be charged, usually five ten thousandths of interest per day.
You can spend without deposit overdraft, and enjoy the interest-free period of 20-56 days to repay on time, without charging any fees (most banks will charge 0.5% interest on the day of cash withdrawal, and there will be a 2% handling fee, and ICBC will charge no handling fee, only interest);
It is not only safe and convenient to swipe your card when shopping, but also to give away integral gifts;
Special merchants who hold cards in banks can enjoy preferential treatment;
Accumulate personal credit, add credit records to your credit file, and benefit for life;
Access to the whole country is barrier-free, and you can withdraw money or spend money by credit card on ATM and POS machines with UnionPay logo; (Note: Credit cards are only suitable for credit card spending. It is best not to withdraw cash, which is expensive and uneconomical. )
Credit card spending, some credit cards to get existing points, all kinds of discounts and lottery activities throughout the year, so that you can always have surprises as long as you use the card. (Most credit card online payment has no points, but online payment is very convenient and fast);
Mail the statement free of charge every month, so that you can grasp every consumption expenditure transparently; (Now advocating environmental protection, you can cancel the paper statement and change it into an electronic statement. )
Unique supplementary card function, suitable for husband and wife to jointly manage money or master children's financial expenses;
The free choice of one card and two currencies is popular all over the world, and consumption abroad can repay in RMB;
400 telephone or 5-digit short number prefixed with "9" provides 24-hour service, and the report of loss takes effect immediately, with zero risk of card loss;
Validity period: It is known that the validity period of domestic credit cards is generally three to five years.
Use the third-party platform (the domestic platform supporting credit card bill management is mainly Jujindou) to conduct business cooperation and provide preferential services for cardholders.
What are the benefits of ABC credit card?
Benefits of Agricultural Bank Credit Card:
There are many bank outlets, which saves time and speed in handling business; The repayment method is convenient, and the Agricultural Bank can support the agreed automatic deduction; The interest-free period can be as long as 56 days, so as to avoid worries for users; Agricultural Bank of China provides professional business travel services for credit card customers; The annual fee policy is superior. Puka Gold Card swipes the card five times without the annual fee of the following year, and implements multi-account management: the amount can be enjoyed, the billing date is independent, the repayment is independent, and the withdrawal fee is low. The handling fee charged by ABC for cash advance is 1% of the transaction amount (the minimum is 1 yuan).
The handling fee charged by other domestic banks for cash withdrawal is 65438+ 0% of the transaction amount+2 yuan/transaction (minimum 3 yuan). The handling fee charged for overseas cash advance is 3% of the transaction amount (minimum USD 3 or equivalent foreign currency). The advantage of the Agricultural Bank is that it is free of annual fees for life and free of handling fees for excess cash withdrawals. Generally, you can apply for up to 300,000 () diamond customers.
Agricultural Bank of China is a large state-owned bank managed by the central government. Founded in 195 1, it is mainly engaged in comprehensive financial services in China.
One of the suppliers. The bank provides various products and services for corporate banking and retail banking, and also conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. And listed in China, Shanghai and Hongkong.
The predecessor of China Agricultural Bank can be traced back to the Agricultural Cooperative Bank established by 195 1. Since the late 1970s, banks have experienced different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks. June 5438+October 2009 10, the whole bank was restructured into a company limited by shares. On July 20 10, the Bank was listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange respectively.
As one of the major integrated financial service providers in China, the Bank is committed to building a world-class commercial bank group with obvious operating characteristics, efficient and convenient services, complete functions and outstanding value creation capabilities. With its comprehensive business portfolio, huge distribution network and leading technology platform, this bank provides customers with various corporate banking and retail banking products and services, and conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. By the end of 20 16, the Bank's total assets195,7061100 million yuan, loans and advances of 9.71963.9 billion yuan, deposits150,380,543.8 billion yuan, and capital adequacy ratio of 65438.
The biggest advantage of ABC platinum card
The Platinum Card of ABC Credit Card is the status symbol of ABC VIP customers, so it can enjoy corresponding preferential treatment and preferential financial services.
Specifically including:
1. If you apply for a card in a different place (the depositor is a platinum card), the handling fee is free.
2. Transfer and deposit fees at different counters (the transferee is a platinum card, and the card is swiped on site) are free.
3, off-site counter cash withdrawal fee reduction of 50%.
4. The handling fee for ATM withdrawals in different places of the Bank is reduced by 50%.
5. Off-site counter transfer fee is reduced by 50%.
6. Platinum card cost, card loss reporting fee and password loss reporting fee are free.
7. The bill printing fee, dispute mediation fee, emergency handling service fee and SMS notification service fee are free.
Moreover, the credit range of Platinum Credit Card is much higher than that of Gold Card, and consumption abroad enjoys double points discount.
In addition, Platinum Card enjoys value-added services such as airport VIP room, insurance, medical care, road rescue, Platinum Secretary, Sanyou outlets, playing tennis and golf free of green fees.
Agricultural Bank of China also provides platinum card customers with value-added services such as priority access to national outlets, credit card theft insurance and drunk driving, and supports payment methods such as swiping, inserting and waving cards.
The main features of credit cards:
1. Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.
2. Credit card has both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
4. Credit cards can reduce the use of cash and currency;
5. Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
6. Credit cards can simplify the collection procedures and save social labor;
7. Credit cards can promote commodity sales and social needs.
Main types
According to 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, state party and government organs, armed forces, 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.
Excuse me, is the credit card of China Agricultural Bank easy to use?
The credit card of ABC is very easy to use, very easy to use. Moreover, ABC's credit card has many functions, which can meet the needs of repeated use and bring users a convenient and comprehensive experience.
With the principle of "cooperation, communication, innovation and * * * win-win", China Agricultural Bank Credit Card has formed a multi-level and multi-angle cooperation system with all walks of life around brand cooperation, customer enjoyment, channel cooperation, service network construction and product research and development cooperation, creating a perfect life experience and delivering superior life value for cardholders.
Function of credit card of Agricultural Bank of China;
1, combination of lending and borrowing, instant credit granting.
Huinong Credit Card has a powerful lending function. You can open current and multiple fixed sub-accounts, deposit your own funds and earn deposit interest. Moreover, after receiving the card, there is no need to go through other procedures, and you can directly overdraw the letter within the credit line approved by our bank, flexibly arrange your own production and operation funds and manage family property.
2. Revolving overdraft and quick turnover
Within the credit line approved by our bank, you can borrow and repay at any time according to your own funds, and the interest is calculated according to the actual days of use. After repayment, the credit line is immediately restored and can be used again, realizing rapid capital turnover, saving capital use cost and maximizing asset appreciation.
3, full cash withdrawal, easy to use
Not only can you overdraw consumption, but you can also withdraw overdraft and transfer overdraft. Among them, the ratio of cash withdrawal overdraft and transfer overdraft can be up to 100% of the credit line, which can meet your capital needs for different purposes to the greatest extent.
4. High credit and flexible guarantee.
You can obtain the credit of Huinong Credit Card through credit guarantee, guarantee guarantee, pledge guarantee and mortgage guarantee. Combined with your credit status and guarantee method, the maximum credit line can reach 300,000 yuan.
5, the combination of life and work, easy to manage
Under Huinong Credit Card, you can open RMB demand account and multiple RMB time sub-accounts at the same time, and you can easily manage your demand deposit and time deposit with only one card without other cards or certificates of deposit.
This is the end of the introduction of the use of agricultural bank credit card and rural credit card. I wonder if you have found the information you need?