Agricultural Bank of China: It can be divided into stages at will, and the points are valuable. Every transaction is a free SMS notification with a long interest-free period. Yes, master credit card.

CITIC: You can apply for a lifetime free annual fee (as long as the telephone manual customer service 100% can apply). After setting the password, put it away as a backup card. Only when money is really needed will it be activated.

Everbright: don't believe in it, you can stay in Everbright. Advantages are online payment and points.

Pufa, Xiaoxing, no discount, no activity. Points are too worthless, and some cards are free of annual fees (it takes any six months a year).

Ping an has never been used, and I don't understand it.