The credit cards of all banks are actually similar. Although they have their own characteristics, the differences are not very big. Which one is more practical depends on what aspects you are more interested in:

List Advantages and disadvantages of several bank credit cards:

1. China Merchants Bank Credit Card

Advantages:

1. The application threshold is extremely low and the points are permanently valid;

2. Online banking has powerful functions, is easy to operate, and supports Alipay;

3. There are often value-for-money group buying products, and there are many activities and tricks;

4. All cards are compatible One bill (convenient to repay);

Disadvantages:

1. The points policy is very inhumane (20 yuan points for one point, not zero);

2 , the shortest interest-free period is 18 days;

3. No SMS reminder for small-amount consumption;

2. Bank of Communications credit card

Advantages:

< p>1. Low application threshold and fast withdrawal;

2. 56-day long interest-free period;

3. 100% cash withdrawal is possible;

< p>4. YP card can be used to withdraw cash 100%; undergraduate students are directly granted a limit of 5,000;

5. Alipay is supported, and the online payment limit is high (10,000 yuan).

Disadvantages:

1. The installment operation is relatively cumbersome;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated;

3. Points are not permanently valid;

4. For text message charges, you can pay 48 worry-free a year with the card, so you dare to pay a small annual fee;

5. Repayment is not very convenient;

6. YP card points are calculated independently and cannot be redeemed for miles.

3. ICBC Credit Card

Advantages:

1. With more than 30,000 outlets, it is currently the bank with the most outlets in China;

2. Alipay is supported, and there is no limit;

3. There is no handling fee for local cash withdrawals;

4. International cards of different brands have independent limits.

Disadvantages:

1. The application threshold is too high and the quota is too low;

2. The service attitude is poor;

3. No 800 and 400 are not open to individual users;

4. CCB Credit Card

Advantages:

1. Many network points;

2. Compared with the other three state-owned banks, the application threshold is lower;

3. The cash withdrawal fee is low (0.5%);

Disadvantages:

1 , The limit is generally low, and the limit increase is slow;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated.