This depends on your personal needs.

1. Advantages of China Merchants Bank Credit Card: The application threshold is extremely low, and the points are permanently valid; the online banking function is strong, easy to operate, and supports Alipay; there are often value-for-money group purchase products, and there are many activities and tricks; the one-card function is good , all aspects of financial management are also good; all cards are combined into one bill (convenient for repayment); there are many types of cards and beautiful designs. Disadvantages: The points policy is very inhumane (20 yuan earns one point, not counting zero); the interest-free period is the shortest among all card issuers, with the shortest being 18 days; all cards are combined into one bill (not flexible); the online payment limit is too low (500 yuan) ) Summary: Suitable for friends who value service more than points. Customer service hotline: 800-820-5555 95555

2. Advantages of Bank of Communications credit card: low application threshold, fast limit increase; 56-day long interest-free period; YP card can 100% cash withdrawal; supports Alipay , the online payment limit is high (10,000 yuan), and the business card can also reach 27,000; Disadvantages: The installment operation is relatively cumbersome; each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; points are not permanently valid; Summary: If If you often buy home appliances, the "Suning Card" is not bad, with double Suning points. Customer service hotline: 800-988-8888 95559

3. Advantages of ICBC credit card: There are more than 30,000 branches across the country, making it the bank with the most branches in China; it supports Alipay and has unlimited limits; There is no handling fee for local cash withdrawals; the limits of international cards of different brands are independent; Disadvantages: the application threshold is too high and the limit is too low; the service attitude is poor (especially in branches). Such a large bank does not have an 800 number, and the 400 number is not open to individual users; Summary : Suitable for friends who do not have joint-stock commercial banks in the local area and who often like to overdraft and withdraw cash. Customer service hotline: 95588

4. Advantages of China Construction Bank credit card: many network points; compared with the other three state-owned banks, the application threshold is lower; the cash withdrawal fee is low (0.5%), and overdraft withdrawals support minimum repayment Disadvantages: The credit 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. Customer service hotline: 800-820-0588

5. Advantages of Bank of China credit card: it started issuing cards in 1985 and is the earliest credit card issuer in China; overdraft points are collected in cash; disadvantages: you have to go to a business outlet to cancel your account; The credit limit is low (a common problem in state-owned banks); 800 is only for Great Wall International cards; Alipay is not supported; overdraft withdrawals do not support minimum repayment; Summary: Olympic cards are suitable for collection. Customer service hotline: 400-669-5566 800-820-5288 (international card) 95566

6. Advantages of Agricultural Bank of China credit card: many network points; 56-day long interest-free period; disadvantages: high application threshold , the cycle is long, and the limit is generally low; I feel that the bank does not attach great importance to the credit card business; Summary: It is suitable for friends who do not have joint-stock commercial banks in the local area. Customer service hotline: 800-819-5599 95599

7. Advantages of Shanghai Pudong Development Bank credit card: The gold card can enjoy the special merchant services of "Citibank CITI BANK" overseas; photos can be printed; gifts are given at events with value Higher; Disadvantages: Few outlets; high application threshold; you need to spend a certain amount to be exempted from the annual fee (regular card spends 2,000 a year, gold card 5,000); overdraft withdrawal fees are high (3%, minimum 30 yuan) Summary: I feel that each Pufa card has a fashionable appearance and is suitable for collection. Customer service hotline: 800-820-8788 95528

8. Advantages of China Minsheng Bank credit card: high points value; installments do not account for the credit limit; the gold card has a lawyer who provides good service; and business travel reservations (hotels and restaurants) ) is quite good; the ID card is very personalized, but there is a card printing fee; there is no handling fee for cash withdrawal; Disadvantages: few outlets; supports Alipay, no more than 1,000 per time, no more than 5,000 per day; Summary: Suitable for those who value points. friend. Applying for a gold card is very easy and convenient.

Customer service hotline: 95568 800-810-8008

9. Advantages of Industrial Bank Credit Card: Supports "Tenpay" repayment; "Gold Card" can enjoy airport VIP lounge services; Disadvantages: No 800 and 400 customer service ; Few outlets; discriminates against agricultural household registration and men; does not support online shopping; summary: suitable for friends who fly frequently and do not want to pay the annual fee for a platinum card. Customer service hotline: 95561

10. Advantages of Guangdong Development Bank credit card: 100% cash withdrawal after half a year of use; 56-day long interest-free period; "Bianxiangxing" installment starting point is low (only 500 yuan) ; There is 48-hour card loss protection; Alipay is supported; Disadvantages: No 800 and 400 numbers, and customer service hotlines are set up by branches in various places; Few outlets; Summary: Suitable for friends who like full cash withdrawals and low-starting installments. Customer service hotline: 95508

11. Advantages of Shenzhen Development Bank credit cards: basically useless, but there is a "Walmart Imagine Card" that I think is okay; international and domestic cards have separate credit limits; Disadvantages: the credit limit is generally low; outlets There are few; there is no 800 number; the customer service phone can be connected to a human service within half an hour and I will treat you to dinner. The Wal-Mart Imagine Card hotline 400-688-6888 is relatively easy to get through; Summary: Suitable for friends who often go to Wal-Mart for shopping. Customer service hotline: 95501 12. CITIC Bank credit card advantages: easy to apply; 400 hotline; relatively high installment limit (up to 5 times) and does not occupy the limit; supports Alipay; the operation and interface of online banking are very simple and convenient. Disadvantages: outlets Less; customer service attitude is mediocre; don’t forget to repay, the amount you owe is 30 yuan at a time! Summary: It is suitable for friends who need to cash out in installments, buy electrical appliances from Gome or Suning, and often travel abroad. Customer service hotline: 40088-95558 95558

13. Advantages of China Everbright Bank Credit Card: The annual fee is waived if you swipe it 3 times; the Fucard small card can be automatically divided into 12 installments (of course there is a handling fee) Disadvantages: None 800 number; 8 yuan earns one point, and points cannot be exchanged for gifts yet; there are few outlets; people with many cards (more than 6 bank credit cards) are basically not approved; Summary: Suitable for collection. Customer service hotline: 95595 14, °