The advantages and disadvantages of each bank card

The most convenient one is Guangdong Issuance, which does not require the submission of any materials. This is the only bank where you can apply online. As long as you fill in and submit the information truthfully online, within 15 working days, someone from the card center will contact you to check your credit, and the result will be out

Guangfa Card has powerful functions, a very favorable points policy, and many discounts. , SMS reminders are timely, online payment is relatively mature, and it supports Taobao and eBay as well as points. It is one of the must-have cards. The disadvantages are that it is not very convenient to repay due to the small number of outlets, SMS charges are three yuan per month, credit card merchants are not as popular as those of the four major banks, and online banking is very rudimentary. . . .

The one I feel is best is China Merchants Bank, which has powerful functions, many card types, high efficiency, and high-quality services. You can adjust the consumer credit limit at any time, has powerful online banking, lifetime points system, and the latest card loss protection. plan. The disadvantage is that the points policy is too restrictive. The SMS reminder function is not very good

If you often stay in hotels for pre-sale rights, a Bank of China card is the best choice. The acceptance rate of merchants across the country is high, but the Bank of China credit card system is still at the stage of 10 years ago. It has weak functions, poor services, and low efficiency. The repayment limit cannot be restored in time. Annual fees are rarely waived. It is recommended to wait and see. The next best thing is to have a card from the other three major state-owned banks, which is more convenient when traveling. I have never dealt with the Agricultural Bank of China and the Industrial and Commercial Bank of China. It is recommended that China Construction Bank has many branches, high application efficiency, good points system, many preferential activities, high merchant acceptance rate, password and signature consumption limits can be adjusted arbitrarily, and it is safe and free. SMS reminders are charged on a per-item basis

HSBC is the major shareholder of Bank of Communications. It is best to bring a Pacific Card when going to Hong Kong. But there is currently no online payment function. Go apply now

The disadvantage is that the credit limit cannot be restored immediately after repayment, and the credit card approval rate is relatively low.

CITIC has just launched the World Cup card, and there are many activities. Go check it out: it does not support online payment, and the handling fee for cash withdrawals is the highest. Points are only valid for 1-2 years and cannot be exchanged for anything. However, the interest-free period is up to 56 days, text message reminders are free, and you can check consumption details through mobile text messages

The Minsheng Card is still good, and it will soon support online payment. Moreover, the handling fee for cash withdrawals is free compared to other banks. You can get one for emergency cash withdrawal

Pudong Development Card: approval is fast, online banking is good, recent promotions are generous, points are valid for 2-4 years Not very good, but the points can be exchanged for good things

China Merchants Bank, Zhaozhao leading, five-layer protection, what do you think? I strongly recommend China Merchants Bank