Advantages: Many network points; compared with the other three state-owned banks, the application threshold is lower; cash withdrawal fees are low (0.5%), and overdraft cash withdrawals support minimum repayment;

Disadvantages : The limit is generally low, and the limit increase is slow; each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated;

Summary: Suitable for friends who do not have local joint-stock commercial banks.