Can unemployed college students apply for dual-currency credit cards of CCB or China Merchants Bank?

Choose a bank card that suits you best.

Bank cards are becoming more and more popular, but at the same time, they are far from playing its role. According to the survey, quite a few people use bank cards only for normal deposit and withdrawal. In fact, the bank cards issued by various banks have many functions, and there are many similarities, that is, they integrate many functions such as savings deposit, shopping transfer, consumption settlement, online transaction, automatic financial management, stock trading, e-commerce and personal financial management. , and has the characteristics of "safety, quickness, convenience and flexibility". However, the bank cards issued by various banks have their own personality characteristics besides the characteristics of * * *. This paper briefly explains the personality characteristics of bank cards of some joint-stock commercial banks for readers' reference. (Note: Bank cards are divided into debit cards and credit cards. At present, among the commercial banks with branches in Shaanxi and xi 'an, except Shanghai Pudong Development Bank, Xi 'an Commercial Bank and Huaxia Bank, all other commercial banks have launched this business. )

Bank of Communications

Pacific Debit Card Features: "National Link" Real-time Remittance Arrival Real-time Arrival? Is the remittance through online banking only 1 yuan? Crow "double financial accounts"? The income of smoking interest is 2.25 times that of current deposit with only card? Crow provides 24-hour electricity and all kinds of telephone collection services, which is the bank with the most complete payment varieties, the most payment channels and the longest payment time in Xi' an; At present, the UnionPay Pantone business of Bank of Communications accounts for more than 70% of Xi 'an Mobile's betting business.

Features Card Function: The Pacific Owner Card launched by Bank of Communications in conjunction with Jinyuan Gas Station and Boss Sunshine Automobile Service Company will provide you with a series of preferential star-rated services ranging from refueling to car washing, inspection and emergency rescue.

Application conditions: ordinary debit cards can be handled at business outlets with valid personal identity documents; Pacific VIP debit card includes VIP gold card and silver card. The condition for handling a gold card is that there are more than 500,000 assets (including deposits and loans, government bonds, funds, insurance, trusts, etc. ) in Bank of Communications, and a silver card is a customer with a deposit of 654.38 million yuan.

Pacific Dual Currency Credit Card: It is the best credit card carefully built by Bank of Communications and HSBC. It has the characteristics of opening a card to send a big gift, returning the annual fee with the card, winning the grand prize every month, accumulating consumption points, and sending gifts home. , and provides customers with three security measures.

Application conditions: only one form and three certificates are required (one is to fill in the application form, the other is to attach a copy of ID card, the third is to attach proof of address, and the fourth is to attach proof of income). If all goes well, it will be done in 2-3 weeks.

China Merchants Bank

One-card series debit cards: Apart from providing ordinary people with free financial functions and services in their daily lives, the "one-card" ordinary debit card continues to expand and develop diversified financial services, including quick and easy financial management, financial secretary, 95555 and easy travel. For mid-to-high-end customers, the bank launched the first domestic international financial cards-"All-in-One Card" gold card and "Golden Sunflower" card, which can provide services such as SMS notification of large consumption, global consumption cash withdrawal and VIP boarding at global airports.

Bid conditions: "one card". Customers can go to business outlets or online banks with valid identity documents.

"All-in-one card" gold card. Customers with personal assets of 50,000 yuan can go to the business outlets with their valid identity documents.

"Golden Sunflower" card. Customers with personal assets of 500,000 yuan can go to the business outlets with their valid identity documents.

Credit card: It has the functions and characteristics of one card and two currencies, long interest-free repayment period, consumption abroad RMB repayment, installment shopping, permanent validity of points, online payment and zero risk of loss reporting. For different customer groups, the bank also launched two featured credit cards and five co-branded credit cards, including Air China Companion Credit Card, Ctrip Travel Credit Card and Ruili Co-branded Credit Card.

Application conditions: customers can apply if they have basic application qualifications. The main card applicants are domestic residents aged 65,438+08-60 and foreigners aged 25-60. The applicant for the supplementary card must be the parent, spouse or child of the main card holder. Customers can apply through online application for business outlets and get application forms.

Everbright Bank

Sunshine Debit Card: In addition to its general functions, its payment service has attracted more attention. Such as collecting water and electricity charges, gas charges, newspaper subscription fees, mobile phones, landlines, air tickets and hotels, property management, tourism, teletext, rent, etc. In addition, the "whole life insurance" business of the card is quite distinctive: "whole life insurance" is a financial management tool specially designed for depositors of China Everbright, which has the characteristics and advantages of "saving deposits with interest as premium".

Application conditions: customers can apply at bank outlets with their valid identity documents.

Note: After you get the Sunshine Card for the first time, you should immediately change the transaction password through the ATM, CDM, CRS and multi-function self-service machine of the bank and keep it properly.

Sunshine credit card: the first preferential measure of 50+ 10 day interest-free period. Transactions marked "UnionPay" in merchants or ATMs in Hong Kong, Macao, Singapore, South Korea and Thailand can be settled and repaid in RMB. To withdraw cash from an ATM with the "UnionPay" logo posted overseas, you need to pay a withdrawal fee of RMB 1% of the transaction amount, with a minimum of RMB 15.

Bidding advantages: no guarantor, no deposit and zero risk of loss reporting.

Xi City Commercial Bank

Fu Rui Debit Card: Fu Rui Card is free of annual fees, inter-bank transaction fees and other fees. At the same time, the "smart home management" wealth management business is launched, that is, after the customer applies for wealth management services, the system will generate a wealth management account in his Fu Rui card. This account can have multiple lump-sum deposit and withdrawal time accounts, and the amount and term of each account shall be agreed upon by the customer at the time of application. When the card basic account reaches the agreed balance, the bank will automatically transfer the excess to the wealth management account. If the customer is spending and withdrawing cash, and the balance in basic account is insufficient, the system will automatically close one or more fixed deposit and withdrawal accounts in the wealth management account, and transfer their principal and interest to basic account. Minimum retention amount in basic account: minimum 500 yuan.

Application conditions: apply to the business outlet with my valid ID card.

Huaxia Bank

Huaxia series debit cards: Huaxia Debit Card, Huaxia Beauty Card, Huaxia Supreme Gold Card and Huaxia Co-branded Card, which not only have the basic functions of bank card deposit and withdrawal, consumption, transfer, collection and payment, but also have special functions such as one card with multiple accounts, agreed transfer, self-help loan, consumption points and SMS.

Huaxia Beauty Card is a brand-new financial product customized by Huaxia Bank for white-collar fashionable women, which integrates the financial function of bank card and VIP function. In addition to the above financial functions, Huaxia Beauty Card can also enjoy VIP services such as card opening, gift giving, insurance, discounts for preferential merchants, and regular special lectures.

Huaxia Supreme Gold Card is a VIP gold card of Huaxia Bank, which can enjoy VIP services such as VIP reception, preferential personal loan interest rate, and reservation of wealth management products at various outlets of Huaxia Bank. You can also enjoy VIP access at the airport, regular medical examination service every year, discounts for merchants and other services.

Huaxia Co-branded Card is a financial product jointly issued by Huaxia Bank and well-known domestic or local enterprises and institutions. In addition to all the financial functions of Huaxia Card, you can also enjoy preferential services in joint units or other designated merchants. For example, the "Huaxia Reading Friends Card" jointly issued by Huaxia Bank and Sanqin Metropolis Daily is such a joint card.

Huaxia foreign exchange card is a debit card issued by Huaxia Bank for overseas use. It can be used for cash withdrawal in consumption abroad and personal foreign exchange trading in China.

Application conditions: Huaxia Debit Card can be processed with my valid ID card, with a minimum deposit of 10 yuan, and card processing is free.

Huaxia Beauty Card is for women only, with a minimum deposit of 2,000 yuan and a card fee of 30 yuan.

The application conditions for Huaxia Co-branded Card are the same as those for Huaxia Debit Card.

Huaxia foreign exchange card 10 USD, free of card fee.