China Merchants Bank: It is very practical, the transaction line is very good, the failure rate of online transactions is extremely low, and there are many preferential merchants for installment payment, especially Ctrip co-branded cards. There is no annual fee in the first year, and the annual fee for the following year is exempted from swiping the card six times in the previous year, but the points are not ideal. 20 yuan scores one point, and gifts need a lot of points. Recommended index: Five-star Industrial and Commercial Bank of China: The application procedure is very complicated. Now I want a copy of the real estate license. Credit cards have become chicken ribs and there is no interest-free period. Credit cards are ok, but there is no annual fee exemption. The annual fee is 50 pounds. The transaction speed of ICBC seems to be very fast. After all, the People's Bank of China has money. Recommended index: Samsung Semi-CCB: Longka credit card tends to be eliminated. Longka credit card is now free of annual fee in the first year, and it is free of a recommendation index for five swipes: Samsung Semi-Shenzhen Development Bank: the annual fee is very cheap. There is a one-year interest-free period in 40 yuan, and the minimum repayment amount is available. Generally speaking, you can get 4000 points if you spend 4000 yuan a year, but the disadvantage is that online payment is not good, which is not as ideal as China Merchants Bank. Recommended index: Four-star Guangfa Bank: The annual fee is also cheap. 40 yuan, the basic functions of credit cards are available all year round, and online branches are also very convenient. There are also many gifts that can be redeemed with consumption points. Anyway, it's not bad Recommended index: four-star CITIC Bank: annual fee 100 yuan. Last year, I swiped my card five times without annual fee. Both CITIC Bank and China Merchants Bank have interest-free installment payment from Gome and Suning, but CITIC is not as flexible as China Merchants Bank. You cannot choose the number of repayment periods flexibly. Recommended index: Four-and-a-half-star China Bank: You can't pay online, and the annual fee is very expensive. Only the Olympic card is free of annual fee. Repayment is made by the oldest manual card pressing method, and it will arrive in three days. However, the Olympic cards are beautiful and suitable for applying for multiple resale cards as souvenirs. Recommended index: Two and a half star credit cards of Shanghai Pudong Development Bank and Bank of Communications are credit cards that cooperate with foreign banks. Comparatively speaking, it is very useful to spend in foreign businesses, and the domestic consumption policy is average. Recommendation index: Relatively speaking, small and medium-sized joint-stock banks are more flexible than the top five state-owned banks. Personally, among the five major banks, Bank of Communications is better. In addition, the use of credit cards depends on the influence of credit card issuers in your local area and the penetration rate of outlets.