1. China Merchants Bank Credit Card
Advantages:
1, the bid threshold is extremely low, and the points are permanently valid;
2. Online banking is powerful and easy to operate, supporting Alipay;
3. There are often value-for-money group purchases, with many activities and many tricks;
4. All cards are combined into one bill (easy to repay);
Disadvantages:
1, the integral policy is inhuman (20 yuan scores one point, not counting zero);
2. Minimum interest-free period 18 days;
3. There is no SMS prompt for small consumption;
2. Bank of Communications Credit Card
Advantages:
1, the application threshold is low, and the withdrawal amount is faster;
2, 56 days long interest-free period;
3. You can withdraw cash at 100%;
4.YP card can be fully withdrawn; The undergraduate course directly approves 5000 places;
5. Support Alipay, and the online payment limit is high (10000 yuan).
Disadvantages:
1, complicated operation by stages;
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;
3. Integral is not permanently valid;
4, SMS charges, use the card to pay 48 worry-free a year, dare to pay a small annual fee;
5. Repayment is not very convenient;
6.YP card points are independently accounted for and cannot be converted into mileage.
Three. China Industrial and Commercial Bank Credit Card
Advantages:
1 above, with 30,000 outlets, which is the bank with the largest number of outlets in China at present;
2. Support Alipay, which can be unlimited;
3. There is no handling fee for local cash withdrawal;
4. Different brands have independent international card quotas.
Disadvantages:
1, the bidding threshold is too high and the quota is too low;
2. Poor service attitude;
3. Without 800 telephones, 400 is not open to individual users;
Four. China Construction Bank Credit Card
Advantages:
1, with many outlets;
2. Compared with the other three major state-owned banks, the application threshold is lower;
3. The withdrawal fee is low (0.5%);
Disadvantages:
1, the quantity is generally low and slow;
2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.