The main advantages of China Merchants Bank credit card are low application threshold and permanent validity of points; China Merchants Bank has many special merchants, many co-branded cards and many corresponding discounts. China Merchants Bank's online banking is powerful and easy to operate, and it also supports Alipay. All credit cards under the same account of China Merchants Bank are merged into one bill (convenient repayment); Moreover, there are many types of cards in China Merchants Bank, and the pattern design is very beautiful. However, there is no SMS prompt for the small consumption of China Merchants Bank, and online payment is not an integral, which is not a good place.
Compared with China Merchants Bank, CITIC Bank's credit card has no obvious advantage. It belongs to a smaller commercial bank with fewer outlets than China Merchants Bank. Moreover, CITIC's credit card can't apply for any installment payment, so it is easy to refuse the installment payment application for large consumption. If your location happens to be a branch of CITIC Bank, you can apply for CITIC's credit card, which should be easier to approve.
Business scope of Bank of Beijing: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Provide guarantee; Acting for payment and insurance agency business; Provide safe deposit box business; Handle the entrusted loan business of local financial credit working capital; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; Inter-bank foreign exchange lending; International settlement; Settlement and sale of foreign exchange; Acceptance and discount of foreign exchange bills; Foreign exchange guarantee; Credit investigation, consultation and witness business; Buying and selling foreign currency securities other than stocks and acting as an agent; Self-operated and valet foreign exchange transactions; Securities settlement business; Open-ended securities investment fund consignment business; Bond settlement agency business; The main underwriting business of short-term financing bills; Other businesses approved by China Banking Regulatory Commission. (Enterprises independently choose business projects and carry out business activities according to law; Projects that must be approved according to law shall, after being approved by the relevant departments, carry out business activities in accordance with the approved contents; Shall not engage in business activities of projects prohibited and restricted by the industrial policies of this Municipality. )