Which is better, Bank of Communications or China Merchants Bank, and what about Bank of Communicatio

I'm from BOC, but I advise you not to come!

The first choice is China Merchants Bank, 1The size of the bank is not very large, and the per capita profit is 2CMB is now scaling up, and you have the opportunity to move into leadership and develop further, but only if you have performance, 3

The CMB system is very advanced, which is conducive to your customer marketing and is relatively easy to work!

Bank of Communications, Bank of China is not bad!

1. Interest-free period.

The interest-free period for China Merchants Bank credit cards is generally 18 days, and for Bank of Communications credit cards is 25 days.

2. One account with multiple cards for repayment.

If Bank of Communications has multiple credit cards for consumption, the credit cards must be repaid separately, because one credit card is one account. The China Merchants Bank credit card, no matter how many credit cards there are in the name, all share the same account, and multiple cards have consumption, as long as one card can be repaid, and there is no need to repay separately.

3. Quota sharing.

The limits of the two banks are shared, and you will not apply for a few more credit cards.

4. Application for quota increase.

China Merchants Bank credit card application can be applied for after only 3 months, and you can apply by text message or online, which is very convenient. However, the Bank of Communications credit card can only apply for a limit increase every six months, and it also needs to be manually reviewed, which is more troublesome.

5. Appearance design.

There are a lot of card patterns in China Merchants Credit Card, and there are relatively few in Bank of Communications.

6. Points. The points of China Merchants Bank Credit Card are valid permanently, and Bank of Communications has a certain time limit.

7. Promotions.

There are many preferential activities and preferential cooperative merchants of China Merchants Bank, and Bank of Communications is average.

8. Quota. Bank of Communications is easier to apply than China Merchants Bank, and the card limit of Bank of Communications is relatively large.

Which is better, China Merchants Bank credit card or Bank of Communications credit card? Bank of CommunicationsLonger interest-free period.

China Merchants Bank is generally 18 days, and Bank of Communications is 25 days.

China Merchants BankSupport multi-card repayment in one account.

If the Bank of Communications has 2 or more credit cards, both of which are consumed, they must be repaid separately, because one credit card is one account. In the case of China Merchants Credit Card, no matter how many credit cards you have in your name, they all share the same account, and if multiple cards have consumption, you can repay the loan with only one card, and you don't need to repay it separately.

3. Credit card limit.

Two linesare shared.

The limit of the two banks is shared, and it will not be said that you can apply for a few more credit cards.

China Merchants BankYou can apply for a quota increase within 3 months.

China Merchants Credit Card can apply for a limit increase every 3 months, and you can send a text message or apply online, which is very convenient. However, the Bank of Communications credit card can only apply for a limit increase every six months, and it also needs to be manually reviewed, which is more troublesome.

China Merchants BankThe design of the card is varied.

There are a lot of card patterns in China Merchants Credit Card, but there are fewer in Bank of Communications.

China Merchants BankPoints are valid forever.

The points of China Merchants Bank are permanently valid, and there is a certain time limit for BOCOM.

China Merchants BankThere are many promotions.

There are many preferential activities and preferential cooperative merchants of China Merchants Bank, and Bank of Communications is average.

Bank of CommunicationsLarge credit card limits.

As far as the current policy is concerned, the Bank of Communications is easier to apply for than the China Merchants Bank, and the card limit of the Bank of Communications is relatively large.

If you pay attention to installment, I recommend you to apply for Everbright credit card, and I will talk about it, and you can compare.

1.Everbright Credit Card (Fu Card, etc.) can be installment if you spend more than 15 yuan.

Bank of Communications can only installment if a single consumption is over 1500.

2.Everbright credit card is considered to be automatic installment, and the default automatic installment can be set.

The Bank of Communications should notify the customer service.

3.Everbright 12 monthly payment handling fee is the total amount of consumption.

The Bank of Communications is divided into 12 phases.

4.For early repayment, the handling fee for the unpaid part will not be charged.

If the Bank of Communications repays the loan in advance, the handling fee for the unpaid part will not be refunded.

5.Everbright has very few restrictions on installment of goods and merchants, and as far as I know, certain medical services (such as tourism) are not allowed to be installed.

6.For example, if you spend 7000 on your credit card, you will have to repay it every month by default (if you set 12 installments).

Everbright; 7000/12+7000*

Traffic; 7000/12+7000*

However, please pay attention to the aforementioned Article 4.

7.Specifically, you have to compare it yourself, hehe, just make a suggestion, the time for the approval of the Everbright Card is relatively long.

8.It is not recommended to pay in installments, unless you are consuming preferential products at preferential merchants of China Merchants Bank or provided by China Merchants Bank.

No matter which bank, the handling fee for installment payment is similar, if the mall you swipe your card has a POS mall installment function, there is no handling fee for that installment payment. You also need to check with your local bank to see what offers they have on their current credit cards.

The basic functions of China Merchants Bank credit card are the same, you can swipe the card consumption, online payment, etc., our bank will launch different discounts and activities for different credit cards from time to time, due to different personal preferences, it is recommended that you choose according to your own preferences, if you need to know the details of the credit card currently launched by our bank, please log in to the credit card**, click "Apply for a credit card" - "credit card family photo", and select the card you are interested in.

All banks have credit cards, not a specialty of a certain company, 20 yuan for 1 point, 2 points for birthdays, 20 to 25 points for 1 yuan, can be exchanged for things.

The Bank of Communications is 1 yuan for 1 point, some cards for 1 yuan for 2 points, 1000 points for the proportion of 4 yuan for just work, it is estimated that ICBC is not easy to get off the card, if your salary is issued by ICBC, it is not the same, ICBC and construction are the same requirements.

If you don't go abroad, you can use UnionPay's single-currency card, and you can use MasterCard and Visa or American Express card more often when you go abroad.

There are many activities of China Merchants Bank, and the card is beautiful.

The Bank of Communications is easy to approve and has a high quota.

The most basic way to apply for a credit card is to provide ID card and income certificate (work permit, salary passbook, certificate of official seal of the unit).If you have a real estate certificate or something, you can also provide it, and you can get a higher amount.

China Merchants Bank is a credit card, China Merchants Bank credit card issuance more than 30 million, Bank of Communications less than 10 million, China Merchants Bank activities more, service is also good, online banking is convenient, but the traffic is a state-owned bank, outlets may be more, if it is in a city without China Merchants Bank, you can handle transportation.

The credit cards you asked about are all about the same, basically they all have an interest-free period of about 50-56 days at most, and if you just compare this aspect, there is no difference, including the general state-owned banks.

In fact, if you have more frequent credit cards, it depends on the points exchange, I have three credit cards of IB, CCB, and Bank of China, and I feel that the points exchange of Bank of China is the most cost-effective.

It seems that those few have a deep hatred with the Bank of Communications, it is impossible to go to the Bank of Communications to apply for a card because you are a part-time worker, it is completely nonsense, the landlord should see which bank is closer to your home or close to your unit to repay and then activate which, credit cards are used by various banks are almost the same, I have credit cards of China Merchants Bank and Bank of Communications, China Merchants Bank activities are quite a lot, but the points are too slow, 20 yuan is a point, a dollar of the Bank of Communications is a point, and the gifts exchanged for points must be different, I am because the Bank of Communications is close to me, If you have been using the Bank of Communications, you must remember that there will be nothing to do if you repay the loan in time.

Comparison of the advantages and disadvantages of the two bank credit cards:

1. China Merchants Bank Credit Card.

Advantages: 1. The application threshold is very low, and the points are permanently valid;

2. Online banking has strong functions, easy to operate, and supports Alipay;

3. There are often value-added ** commodities, and there are more activities and patterns;

4. All cards are combined into one bill (easy to repay);

Disadvantages: 1. The points policy is very inhumane (20 yuan earns one point, not counting zero);

2. The shortest interest-free period is 18 days;

3. There is no SMS prompt for small consumption;

2. Bank of Communications credit card.

Advantages: 1. The application threshold is low and the amount is raised quickly;

Long interest-free period;

3. 100% cash can be withdrawn;

4. YP card can be withdrawn 100%; 5,000 quota for undergraduate students directly;

5. Support Alipay, high online payment limit (10,000 yuan).

Disadvantages: 1. The staging operation is cumbersome;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

3. Points are not permanently valid;

4. SMS charges, pay 48 a year without worrying with the card, and dare to pay a small annual fee;

5. The repayment is not very convenient;

6. YP card points are calculated independently and cannot be redeemed for miles.