Haha, it seems that everyone is a black guy of Bank of Communications ~ Many people have Bank of Communications credit cards, but few people like them. Generally speaking, there are the following points:
1, easy to get off the card-too "fraternity"
Compared with the other four state-owned banks, Bank of Communications, though distinguished, is indeed the most "omnipotent". Do many white people think it is not good to take off their cards easily? The key is that Bank of Communications is really too easy, even easier to get a card than many commercial banks.
Bank of Communications announced a stable job and paid 3 yuan continuously; College degree or above; Have a bank of communications savings card; Meet one of these three conditions, you can apply for a bank of communications credit card.
We all know that there is no perfect credit card (easy to handle, high quota, simple to withdraw cash, low risk control ...), and it is good to meet one, while the Bank of Communications card only meets the characteristics of easy to handle.
2, long ugly!
Generally, banks do activities or cooperate with other companies and supermarkets to make credit cards look better, but Bank of Communications cards are not. What impressed me the most was the card jointly launched by Bank of Communications and Lotus Supermarket in Yichu, which was directly a huge tomato with a white background: awkward capitalization! ! !
It is difficult to increase the amount.
Although it is easy to apply for a bank card, the amount is generally low. Many people's bank cards have been used for five or six years, and they still maintain the habit of spending more and swiping cards frequently, which is still several thousand yuan.
4. Strict risk control
The risk control of Bank of Communications is very strict, especially during the Chinese New Year. Because it is easy to get rid of the card, the bank will start to understand Lao Lai at the end of the year in order to keep the cardholder active. Moreover, once the cardholder does not pay attention to the wholesale, black and cash POS machines, it is easy to gain the upper hand and control them, and it is also possible to seal the card.
5. The service is average
In the past two years, with the complaints and feedback from users, Bank of Communications has greatly optimized consumer information notification. Before, there was no free SMS to inform account changes, not even WeChat.
You can bind WeChat now. However, SMS Level 4 worry-free service needs 4 yuan every month.
Having said so many shortcomings, I actually have a credit card of Bank of Communications. After all, Bank of Communications is an established bank with many outlets and good offline services, but online services, especially SMS, risk control and withdrawal, do have a lot of room for improvement.
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I used to be a credit card holder of Bank of Communications. Tell me about my personal experience.
1, low limit
Bank of Communications Card is the second credit card I used (the first card was China Merchants Bank Card, which was also cancelled). After more than three years of use, the credit limit of the new card is only 17000. At this time, Ping An's credit card gave me a limit of 45,000. )
It is difficult to increase the amount.
After changing the new card, I applied for increasing the quota several times, and the reply I got was "the comprehensive score was not enough" and was rejected. I still didn't get the answer after consulting the human service, and I felt a little arrogant.
I guess it's because I didn't make much money by stages.
3. Less concessions
In the past, it was very cheap to buy movie tickets with Bank of Communications credit card, but the coverage was not wide, the choice of cinemas was limited, and the time was specified (I forgot what day it was), and then the activity was gone.
As for other offers, I don't think I've seen them.
Let's talk about the experience of people around me using traffic credit cards. The first credit card is low, especially for white families. Most of the credit cards for male white households are in the range of 2000-5000, and most of the credit cards for female white households are in the range of 5000-8000, which is rare. Bank of Communications pays attention to academic qualifications. When applying online, if you don't have other credit cards or even academic qualifications, your job information will be added no matter how good it is. 2 1 yuan service fee is deducted from the credit card of Bank of Communications II every three months, which seems to be SMS service fee and asset insurance fee. Unless you call to cancel, it is turned on by default. It's hard to quit for the third time. Some people spend years or thousands of lines. Call customer service to apply for cash withdrawal. They always say that the comprehensive score is insufficient and the first control is too strict. It's always a single big consumption, and it's several times in a row. If you don't do it in stages, you will face card reduction.
In short, Bank of Communications is more realistic. See your qualifications and property are good, and the amount given to you is relatively high. In a few months, there will be a considerable loan for you. Once you find that your card is abnormal, or the repayment date is a few days late, it will be reduced and the card will be sealed immediately. To tell the truth, the test and audit system of Bank of Communications is really second to none. Credit cards and loans are generally approved in seconds, or refused in seconds. Big data is still quite powerful, no matter which bank it is. If you think you are the boss or have a car or a house, you can definitely apply for a large credit card. This is not necessarily true. Some credit cards will give you thousands of dollars. If you are angry, you can't wait to break up. Others will give you tens of thousands of dollars as soon as they go to work. This is beyond our control. Making good use of credit cards is a fortune. If you don't make good use of them, they are poison. Eat as much as you can.
Last Saturday, I applied to cancel the credit card of Bank of Communications through telephone banking. I have used it for 9 years. Tell me how I feel.
1. It was difficult to repay in previous years, and there were too few branches of Bank of Communications. 12- 13 repayment is not as convenient as it is now, and it really collapses every time I find an outlet to repay! It is very convenient to use Alipay and WeChat now. Deduct 2 1 yuan per month, with 9 yuan credit guarantee. 12 yuan has no worries about using the card? What! You take the money, I have a credit guarantee? I use your card and you charge me?
2. It is difficult to withdraw the amount. It took me nine years to change my card twice. The repayment has been very stable. Now the quota is only 9000. A few years ago, there was a temporary quota, which was about 1000 or 1500. I forgot. These two years have been very stable and there are no temporary places. Of course, I won't ask for too high a quota. After all, I won't spend it all, and it's not my own money that I spend on a higher amount. You have to pay it back sooner or later.
In recent six months, the number of business trips has increased, and it is often necessary to buy tickets and book rooms with credit cards. Usually, there is no discount for swiping cards, and the points are particularly cheap. You can only change a box of socks after 10 thousand. I have a joint card of CCB and China Eastern Airlines, and a joint card of CITIC and China Eastern Airlines. Compared with the credit line, the Bank of Communications credit card is particularly tasteless.
I used to work in Bank of Communications, so I can talk to you for a while:
1. The credit card clearance of Bank of Communications is not a big problem, but the quota review is very strict. Many people may have applied for a bank card very early. At this time, your income will be low. Even if you have a regular job, it's no problem to collect credit. Bank of Communications card may be issued to you, but the amount will be very low, maybe only 2000-5000.
2. If your original information is incomplete and the Bank of Communications determines that your income and property certificates are insufficient, there will be a customer service call asking you to supplement your income or residence certificate, such as the real estate license or your salary. Many people don't want to make up these cards at this time, and the Bank of Communications system will determine that your qualifications are insufficient, and the credit card limit is 2000. . .
3. Also, if you get a card at Bank of Communications, but your income has not improved significantly, the Bank of Communications system records it. For example, your monthly salary is 5000, and you have no house or car. Although you have a Bank of Communications card, you have never used it overdue, and the amount is only 1 10,000. You want to apply for another one. But the Bank of Communications system will distinguish between your income and your current total. Maybe your second card will have no limit or it won't work. Even if it is done, the limit will be 2000.
4. The favorite customers of Bank of Communications Credit Card are civil servants with stable jobs and stable income sources.
I have the most say in this, and the quota is 38,000. When you cash out, it will always ask you to do staging, and after you do OK, nothing will happen. I'm sorry if you don't do it. Paying back the money before you spend it means that your card has been cancelled. There was no reminder, no discussion, and no reduction in the quota. Please come to the counter to get cash with your ID card in a month. That's awesome! The most ridiculous thing is that it will always notify you by SMS, because you have good credit and can apply for a Bank of Communications credit card. That's a real pity.
I applied for the Bank of Communications credit card before, and then said that I had too many credit cards and the accumulated limit was too high, and then I was rejected.
I have multiple credit cards, with a high cumulative limit and no overdue records. Doesn't that prove that I am a quality customer? However, Bank of Communications obviously does not want such customers. Bank of Communications favors small white households who apply for credit cards for the first time.
I think it's ok. I use the Wal-Mart card of Bank of Communications, and there are activities in supermarkets and gas stations. Every year, there is a Super Friday activity in the supermarket, and you can buy 200 MINUS 100, which is very cost-effective. I think it is particularly good that the annual points can be converted into cash to offset the consumption of supermarkets. My other bank card points are basically useless, and there is no point in changing gifts. Might as well cash it. As for the quota, I think it's ok. Sometimes when I find myself in a different place, I will be reminded that if I brush a lot, I will be given a temporary quota, and I will also be given a quota during the Chinese New Year holiday. Buying a high-speed rail ticket or booking a hotel will also give me a temporary quota, which I think is quite intimate. Anyway, my credit card has been used for more than ten years, which is quite good.
The Bank of Communications credit card is very popular, and the probability that it is not easy to use is risk control, or the limit is reduced and the card is stopped.
In fact, the Bank of Communications credit card is still very competitive. For example, a Wal-Mart card can exchange100000 points for 950 credit cards a year (in the past, 200000 points were exchanged for 1900 credit cards, which was limited to100000 a year due to the emergence of a large number of wool gangs). This is just a card discount. You can calculate the cost of100000 points, and you will know how strong this is. You can also get gifts in combination with weekly traffic activities.
I'd like to ask about the Bank of Communications Platinum Credit Card.
The application conditions of Bank of Communications Platinum Credit Card are relatively high, mainly for high-income groups. The applicant's annual income is generally not less than 6.5438+0.2 million yuan. If the income level does not reach this standard, it is impossible to apply. The minimum amount of Bank of Communications Platinum Credit Card is about 50,000 RMB, and there is no upper limit, which mainly depends on the applicant's qualification and credit status, and the maximum amount can reach more than one million. The annual fee for the main card of Bank of Communications Platinum Credit Card is 1 1,000 yuan/year. The annual fee for the main card cannot be waived, but the annual fee can be deducted with 250,000 points. The policy is still very favorable. However, the annual fee for the supplementary card of Bank of Communications Platinum Card is free.