CITIC Taobao Card supports credit card merchants to pay points quickly on Taobao. There are not many outlets. Free online banking can only be queried, and the billing information is not detailed enough. You have to go to the bank to sign the contract and then open it. You must install six plug-ins to use it. You must go to the bank to reset your login password. I've never seen such trouble! The store discount is very high-end, and the activity conditions are unrealistic; The value of gift points is too high, and it is difficult to exchange double points for gold cards.
CCB: But there are few bonus points, so you can only exchange them by phone. You will only be notified by SMS if you spend more than 500 yuan, and you will be reminded by SMS or customer service if you are overdue. Online payment daily limit 1000, but no points. Now it is basically not used except online shopping. I don't like it or hate it.
Guangfa: the initial quota is above1w. Only after spending more than 300 yuan will you be notified by SMS. Online payment online banking can be used directly, and the daily limit of online shopping is 2000, which is the highest among all my cards, but there are no points. There are many discounts in shops and activities, and the value of gift points is reasonable. If you pay more, you will get more. ATM withdrawals from different places are free (only in Chinese mainland). Interest is only overdue, and 20 yuan will start to collect late fees. It seems that it is impossible to automatically purchase foreign exchange for repayment, and there is a handling fee of 1.5% for purchasing foreign exchange. There are few outlets, but it does not involve foreign exchange. Suitable for home use