招行信用卡最受寵 Rating of credit cards

ing-bottom: 62.5%;">

Which credit card do you find the best?


Which credit card do you find the best, as a woman? As a sports lover, which credit card serves you best?

Questions like these threw up the first credit cards rating by top Chinese credit card portal and Shanghai-based poll firm as they released the result of a three-month survey via Internet and telephone.

The rating came from the survey of 20,000 cardholders in more than 100 cities, according to Tu Zhiyun, CEO and founder of .

China Merchants Bank (CMB), one of the best performing commercial banks and the largest card issuer in China, was rated the best in the general category for its popular dual-currency credit card.

Shanghai-based Pudong Development Bank was crowned the best in the platinum card segment for successfully targeting high-end clients, thanks to its close cooperation with Citibank.

The Industrial and Commercial Bank of China, topped the rating in the co-branded bracket for its card issued in association with China National Petroleum Corporation, China's largest oil company.

Several others got the top honors as the best credit card for women, travel, sports and best design.

The total number of credit cards in China is around 30 million, compared with 500 million in the United States.

The growing wealth of the Chinese people has added allure to the credit card business. The number of credit cards issued is expected to double in 2007.

However, most banks are losing money in their credit card businesses as a large portion of the cards have apparently never been used since they were issued.

CMB is currently the only commercial bank to have made a profit in the segment.

The bank said the circulation of its dual-currency credit card reached 10 million by the end of 2006, a jump of 100 percent from 2005, and accounted for 35 percent of the credit card market in China.

如果你是一位女士，你最喜歡哪個銀行的信用卡？如果你是個體育愛好者，你覺得哪張信用卡用起來最方便？

中國信用卡門戶網站“我愛卡”和上海調查公司開展了一項爲期三個月的互聯網和電話調查，並於日前公佈了我國首屆信用卡排名。

“我愛卡”網站的創始人兼董事長塗志雲說，這一排行源於對100多個城市的2萬名持卡人的調查。

我國運營狀況最好的商業銀行之一、最大的信用卡發行銀行招商銀行發行的雙幣信用卡被評爲普通卡類最受歡迎信用卡。

上海浦東發展銀行由於與花旗銀行密切合作，它所發行的面向高端客戶的白金信用卡被評爲最受持卡人喜愛的白金信用卡。

中國工商銀行聯合我國最大的石油公司中油國際發行的“工行牡丹中油國際信用卡”被評爲最受持卡人喜愛的聯名信用卡。

此外，持卡人還評出了最受持卡人喜愛的女性、商旅、體育和最佳設計等信用卡。

目前，我國信用卡的流通卡數大約爲3000萬張，而美國的這一數字爲5億。

中國人收入的不斷提高是信用卡業發展的一大動力。2007年我國的信用卡流通卡數預計將翻一番。

但大多數銀行在信用卡業務上都是虧本運作，因爲很大一部分信用卡被髮行之後根本沒被使用。

招行是國內目前唯一一個能在信用卡業務上賺得利潤的銀行。

據招行透露，雙幣卡的流通卡數截至去年年底達到1000萬張，比2005年翻了一番，佔國內信用卡市場的35%。