Which bank s card is better to use, and what bank card is the best to use

It depends on which features you focus on.

If it is just ordinary deposits and withdrawals, and if you want to spend money by credit card in supermarkets and shopping malls, I recommend using the green card of China Postal Savings. First of all, there is no production cost, no annual fee, and no account management fee when applying for a green card. In addition to the online banking function of the green card is not as good as other bank cards, the other functions of the green card are not inferior.

If you focus on online banking, you can use CCB Dragon.

In addition, CCB's credit card (a card that can be overdrawn) is the easiest procedure among all banks to apply for.

In addition, it should also be based on your geographical location, which bank is sometimes closer to you, and it is more convenient.

The fees are basically the same for several banks. Only the Postal Savings Bank's green card is free.

If you only use it to save money, you can get a bank card from that house, which is very convenient. Choose according to your individual needs.

The most important function of a bank card is nothing more than depositing and withdrawing money.

1. A good bank card, first of all, is convenient for deposits, which requires many bank outlets. The banks with the most outlets are industry and commerce, agriculture, and the most remote villages and towns are postal. Of course, banks that have opened counter access can also be used, such as Minsheng, CITIC, Ping An, etc

You can deposit bank cards from other banks at the counters of all banks within the opening agreement).

2. A good bank card, followed by free ATM inter-bank withdrawal, there are not many banks that can support this service, and only Everbright Bank can provide free inter-bank ATM withdrawal nationwide. There are many regional ones, which provide free ATM inter-bank withdrawal services. Preference is also available.

If you only use it to save money, you can get a bank card from that house, which is very convenient. Choose according to your individual needs.

First of all, this has to be decided according to your own situation, if you are in an ordinary city, it is recommended to choose a debit card of a state-owned commercial bank (such as Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Bank, etc.), they have many outlets, many self-service equipment (there are ATMs, there are also deposit machines), and it is convenient to access and withdraw.

If you are in a big city such as Beijing, Shanghai and Guangzhou, you can choose a joint-stock bank, such as China Merchants Bank, Minsheng Bank, Shanghai Pudong Development Bank, etc., only set up in larger cities, and it may not be convenient to use in small and medium-sized cities.

If you live in a rural or rural area, it is recommended that you use a bank card such as the Agricultural Union and the Postal Savings Bank.

There are ATMs, and there are deposit machines).

Of course, there is also a management fee, which is generally lower than the minimum deposit of 500 yuan, and may be charged 3-5 yuan per quarter. However, the management fee of each bank may be different, and the general card application fee is 10 quick money, which is not charged when you apply for a card, and will be automatically deducted for you when you deposit money. Extended Resources:

There are now two types of online banking, one is a dynamic password card, which is free; One is U shield, K treasure, etc. are charged, ** between 40-100, the advantage is relatively safe;

The online banks I have now are Construction, Agricultural Bank of China and Industrial and Commercial Bank of China; My personal favorite is ICBC;

1.CCB, CCB originally handled the dynamic password card, but I didn't use it once; When you use it, it says it is unusable; and handled the u shield, 42 yuan;

If the money in CCB is less than 500 yuan, 3 yuan will be deducted every month;

2.Agricultural Bank of China, Agricultural Bank of China does not support dynamic password cards in many areas now; You have to handle K treasure; But ABC's service attitude is really not good;

3.ICBC, the most frequent bank I have been to recently, has a super good service attitude; Moreover, you can use online banking with a dynamic password card; Gratuitous;

Other conveniences are not bad for various banks; There's nothing good or bad;

If you need to apply for an ABC savings card, you need to provide your valid ID card and a copy to apply for a Golden Harvest Debit Card at any ABC outlet across the country. No more than 4 debit cards (including supplementary cards and sleep cards) opened by the same customer in ABC, of which no more than 1 debit card for similar customers;

If the customer has held 4 or more debit cards in ABC before, ABC shall not open or activate a new debit card for him/her, and the debit card that has already been opened can continue to be used normally. Except for social security cards, medical security cards, military security cards, and debit cards that have been cancelled.

If a Chinese citizen under the age of 16 residing in China applies for an Agricultural Bank of China Savings Card, he or she shall apply for it by his guardian**, and present the guardian's valid identity document, the account user's resident ID card or household registration booklet, and the supporting materials (household registration booklet, birth certificate, street certificate, etc.) proving the guardianship relationship.

1. Industrial and Commercial Bank of China: 5 yuan for card application, 10 yuan per year, 3 yuan for small account management fees less than 300 yuan per quarter, and 2 yuan for inter-bank withdrawals in the same city;

2. Agricultural Bank of China: 5 yuan for card application, 10 yuan per year, 3 yuan for small account management fees less than 300 yuan per quarter, and 2 yuan for inter-bank withdrawals in the same city (4 yuan in Guangdong Province);

3. China Construction Bank: 5 yuan for card fees, 10 yuan per year for annual fees, less than 500 yuan for small account management fees of 3 yuan per quarter, and this kind of account does not give interest, 4 yuan for inter-bank withdrawals in the same city + 1% of the withdrawal amount (that is, it is higher than the cost of other banks to withdraw money in other places, and the black heart is home, obviously forcing their customers not to withdraw money from other banks, so that other bank customers can sit and collect commissions when they come to their own ATM to withdraw money, so even if you take the card of other banks for free, do not go to CCB to withdraw money);

4. Bank of China: 5 yuan for card application, 10 yuan for annual fee, no small account management fee, 4 yuan for inter-bank withdrawals in the same city;

5. Bank of Communications: 5 yuan for card application, 10 yuan per year, 3 yuan for small account management fees less than 500 yuan per quarter, and 2 yuan for inter-bank withdrawals in the same city;

6. Postal savings: free of charge, 2 yuan of inter-bank withdrawals in the same city, and the vast majority of provinces and cities do not charge annual fees and small account management fees.

7. China Minsheng Bank: free card application, no annual fee, no small account management fee (except Shenzhen), the first 3 inter-bank withdrawals in the same city are free of charge every month, and 2 yuan after that;

8. China Everbright Bank: free card application, no annual fee, no small account management fee, the first 3 inter-bank withdrawals in the same city are free of charge, and the next 2 yuan;

9. China CITIC Bank: free card application, no annual fee, no small account management fee, the first 2 inter-bank withdrawals in the same city are free of charge every month, and the next 2 yuan;

10. Huaxia Bank: free card application, no annual fee, no small account management fee, inter-bank withdrawal in the same city every day (Note 1 is not every day) the first 1 is free, and the next 2 yuan;

11. Shanghai Pudong Development Bank: free of charge, no annual fee, 2 yuan of inter-bank withdrawals in the same city, account management fee of 12 yuan per year, if the balance in the account is always 000 yuanje5???

Above, or? $b 4 POS card consumption (it doesn't matter how much, they are just encouraging the use of the card), it will be exempted;

12. Industrial Bank: Free card application, no annual fee, no small account management fee, the first 3 inter-bank withdrawals in the same city are free of charge, and the next 2 yuan is made every month.

Personal construction bank is better.

Advantages: No annual fee for the first year, no annual fee for the second year after three brushes;

The SMS service is free of charge;

Withdrawal fee only;

The handling fee for loss reporting is 50 yuan;

There are credit cards directly for car owners, as long as there are cars with more than displacement, they can easily apply for a card.

Disadvantages: There are few and poor gifts that can be exchanged for points.

Bank of China: Advantages: Waiver of annual fee for the first year, waiver of annual fee for the second year for five times;

The SMS service is free of charge;

The withdrawal fee is only 1%;

The handling fee for loss reporting is only 40 yuan.

Disadvantages: The points required to exchange gifts are high, and the types of gifts are few.

Industrial and Commercial Bank of China: Advantages: The annual fee of the current year is waived for the annual fee of the Yuntong card by swiping 5 times a year or spending 5,000 yuan, or the annual fee of the RMB card is exchanged for 2,000 points;

Withdrawal fees are free of charge;

Handling fee waiver for overpayment refund;

It only costs 20 yuan to report the loss;

There are many outlets.

1 Industrial and Commercial Bank of China (established in 1984, one of the largest wholly state-owned commercial banks in China, one of the world's top 500 enterprises, listed company, Industrial and Commercial Bank of China shares****).

2 Agricultural Bank of China (the earliest can be traced back to the Agricultural Cooperative Bank established in 1951, the world's top 500 enterprises, state-controlled commercial banks, Agricultural Bank of China shares****).

3 China Construction Bank (founded in 1954, a joint-stock commercial bank in the leading position in the Chinese market, a Fortune 500 company, China Construction Bank Co., Ltd.****).

4 Bank of China (founded in 1912, one of the largest state-owned commercial banks in China, one of the world's top 500 enterprises, China's top ten bank brands, Bank of China shares****).

5. China Merchants Bank (a joint-stock commercial bank held by an enterprise legal person, one of the most influential commercial banks in China, China Merchants Bank shares****).

6 Bank of Communications (founded in 1908, a national state-owned joint-stock commercial bank, one of the early note-issuing banks in China, a listed company, Bank of Communications of China shares****).

7 China Minsheng Bank (in 1996, China's first national joint-stock commercial bank mainly owned by non-public enterprises, listed company, China Minsheng Bank shares****).

8 China CITIC Bank (one of the earliest banks in China to participate in financing in the domestic and foreign financial markets, and one of the commercial banks with the strongest capital strength in China, China CITIC Bank Co., Ltd.).

9 Industrial Bank (established in 1988 in Fujian, one of the first joint-stock commercial banks approved by the People's Bank of China, IB shares****).

10 Shanghai Pudong Development Bank (a high-profile and respected listed company in China's ** market, China's most valuable high-growth bank, Shanghai Pudong Development Bank Co., Ltd.).

Each bank card number starts with: CCB card: starts with 19 digits CCB passbook:

19 digits starting with 0130 ABC card: 19 digits starting with 62288 95599 ABC passbook: starting with 50-3 (usually 50-not written) starting with 3 15 digits ICBC card:

Start with 19 digits Postal card: 6221 with 19 digits Bank of China with 19 digits Rural Credit Cooperatives: start with 6210 with 19 digits (21 digits are not good) Minsheng card:

16 digits starting with 6226 Bank of Communications: 17 old cards starting with , 19 new cards starting with 6222 China CITIC Bank: starting with 622 Bank card numbers are specifically classified:

CCB 436742 China Construction Bank Visa Dragon Debit Card 436745 China Construction Bank Visa Dragon Credit Card 622280 China Construction Bank Alipay Dragon Debit Card Bank of Communications 458123 Bank of Communications Visa Standard Card 521899 Bank of Communications MC Credit Card Standard Card 622260 Bank of Communications Pacific Card Debit Card Bank of Shanghai 402674 Bank of Shanghai Visa Gold Card 622892 Bank of Shanghai Debit Card China Post 622188 Postal Savings of China Green Card Debit Card Bank of Beijing 602969 Bank of Beijing Beijing Debit Card Bank of China 622760 Bank of China Metropolis Card 409666 Bank of China BOC Series Visa Standard Card Ordinary Card Visa University Recognition Card 438088 Bank of China Air China Miles Credit Card 622752 Bank of China Shanghai Branch Great Wall RMB Credit Card Ordinary Card Industrial and Commercial Bank of China 427020 ICBC Visa Student International Credit Card 427030 ICBC VISA International Credit Card Gold Card 530990 ICBC MC International Credit Card Standard Card 622230 ICBC New RMB Credit Card 622235 ICBC New RMB Credit Card Gold Card 622210 ICBC New Credit Card (Quasi-Loan) 622215 ICBC New Credit Card (Quasi-Loan) Gold Card 622200 ICBC Peony Lingtong Card Debit Card 955880 Industrial and Commercial Bank of China (ICBC) Peony Lingtong Card Debit Card, Guangdong Development Bank, 622568 Guangdong Development Bank, New Wealth Management Debit Card, 520152 Guangdong Development Bank, China Southern Airlines Sky Pearl Card, MC Gold Card, 520382 Guangdong Development Bank, China Southern Airlines Sky Pearl Card, MC Pu Card.