Advantages of China Merchants Bank's credit card: the application threshold is extremely low and the points are permanently valid; Online banking is powerful and easy to operate, supporting Alipay; There are often value-for-money group purchases, with many activities and many tricks; The one-card function is good, and all aspects of financial management are also good; All cards are combined into one bill (easy to repay); There are many kinds of cards with beautiful designs. Disadvantages: the integral policy is inhuman (20 yuan scores one point, not counting zero); The interest-free period is the shortest among all issuers, the shortest 18 days; All cards are combined into one bill (inflexible); Online payment limit is too low (500 yuan) Summary: Suitable for friends who value service over points. Customer Service Tel: 800-820-5555 95555 Advantages of Bank of Communications credit card: low application threshold and fast withdrawal; 56 days long interest-free period; YP card can be withdrawn 100%; Support Alipay, and the online payment limit is high (10000 yuan); Disadvantages: the staging operation is cumbersome; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; Integral is not permanently valid; Summary: If you often buy home appliances, the "Suning Card" is not bad, double Suning points. Customer Service Tel: 800-988-8888 95559 China Industrial and Commercial Bank Credit Card Advantages: There are more than 30,000 outlets nationwide, which is the bank with the largest number of outlets in the country at present; Support Alipay, which can be unlimited; There is no handling fee for local cash withdrawal (my favorite); Different brands of international cards have independent quotas; Disadvantages: the bidding threshold is too high and the quota is too low; Poor service attitude (especially in branches), such a large bank actually does not have 800 telephones, and 400 telephones are not open to individual users; Summary: It is suitable for local commercial banks without joint-stock system and friends who often like to withdraw cash from overdrafts. Customer Service Tel: 95588 China Construction Bank Credit Card Advantages: More outlets; Compared with the other three major state-owned banks, the application threshold is lower; The withdrawal fee is low (0.5%), and overdraft withdrawal supports the minimum repayment. Disadvantages: the amount is generally low and the withdrawal amount is slow; Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; Summary: Suitable for friends who don't have local joint-stock commercial banks. Customer Service Tel: 800-820-0588 China Bank Credit Card Advantages: 1985, the earliest credit card issuer in China; Overdraft withdrawal points; Disadvantages: account cancellation has to go to business outlets; Low quota (common fault of state-owned banks); 800 only for Great Wall International Card; Alipay is not supported; The minimum repayment amount is not supported for overdraft withdrawal; Conclusion: Olympic cards are suitable for collection. Customer Service Tel: 400-669-5566 800-820-5288 (International Card) 95566 China Agricultural Bank Credit Card Advantages: More outlets; 56 days long interest-free period; Disadvantages: the application threshold is high, the cycle is long, and the quota is generally low; I feel that banks don't attach great importance to credit card business; Summary: Suitable for friends who don't have local joint-stock commercial banks. Customer Service Tel: 800-8 19-5599 95599 Advantages of Shanghai Pudong Development Bank Credit Card: Gold card can enjoy the special merchant service of "CITI Bank" overseas; You can print photos; Gifts given at the event are of high value; Disadvantages: few outlets; The bidding threshold is high; You have to spend a certain amount to avoid the annual fee (ordinary card 2000, gold card 5000); Overdraft withdrawal fee is high (3%, minimum 30 yuan). Summary: I feel that every card of Pufa is fashionable in appearance and suitable for collection. Customer Service Tel: 800-820-8788 95528 China Minsheng Bank Credit Card Advantages: High integral value; No quota by stages; It's not bad that the gold card has lawyer service; There are also business travel reservations (hotels and restaurants) that are also good; ID card is very private, that is, it needs business card printing fee; There is no handling fee for withdrawal; Disadvantages: few outlets; Support Alipay, not more than 1000 each time and not more than 5000 every day; Summary: Suitable for friends who value points. Applying for a gold card is simple and convenient. Customer Service Tel: 9556800-810-8008 Industrial Bank Credit Card Advantages: Support "Tenpay" repayment; "Golden Card" can enjoy the VIP room service at the airport; Disadvantages: no 800 and 400 customer service; Less outlets; Discrimination against agricultural registered permanent residence and men; Online shopping is not supported; Summary: Suitable for friends who often fly and don't want to pay the annual fee of platinum card. Customer Service Tel: 9556 1 Guangfa Bank Credit Card Advantages: You can withdraw cash at 100% after half a year; 56 days long interest-free period; The starting point of "everything" is low (as long as 500 yuan); There is a 48-hour card loss guarantee; Support AliPay; Disadvantages: there are no 800 or 400 telephones, and customer service telephones are set by local branches; Less outlets; Summary: suitable for friends who like to withdraw cash in full and stage at a low starting point. Customer Service Tel: 95508 CITIC Bank Credit Card Advantages: Easy to apply; There are 400 telephones; The installment amount is relatively high (up to 5 times), which does not account for the amount; Support AliPay; The operation and interface of online banking are very simple and convenient. Disadvantages: few outlets; Customer service attitude is average; Don't forget to pay back the money. You owe 30 yuan once! Summary: It is suitable for friends who need to cash in by stages, buy electrical appliances in Gome and Suning, and often travel abroad. Customer Service Tel: 40088-95558 95558 Advantages of SDB Credit Card: It's basically useless. It's OK to have a "Wal-Mart Imagination Card"; The quotas of international cards and domestic cards are separate; Disadvantages: the quota is generally low; Less outlets; No 800 calls; The customer service phone can be connected to the manual service in half an hour. I invite you to dinner. Wal-Mart Imagination Card Line 400-688-6888 is easier to connect. Summary: Suitable for friends who often go shopping at Wal-Mart. Customer Service Tel: 9550 1 China Everbright Bank Credit Card Advantages: You can avoid the annual fee by swiping for 3 times; Foca small cards can be automatically divided into 12 periods (of course, there is a handling fee). Disadvantages: no 800 calls; 8 yuan has accumulated one point, and the points cannot be exchanged for gifts at present; Less outlets; People with more than six bank credit cards are basically not approved; Summary: Suitable for collection. Customer service telephone number: 95595