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, the card function is good, and all aspects of financial management are good; 5. All cards are combined into one bill (easy to repay); 6. There are many kinds of cards with exquisite designs; 7. Free annual fee for the first year. Brush six times a year, free of the annual fee of the following year; 8. There is no limit to the amount of each credit card, which is easy to realize and basically has no cost; 9. Within 48 hours of reporting the loss of the credit card, China Merchants Bank will report the loss and bear the loss reporting expenses; 10, the circulation should be the largest among all bank credit cards. If so many people use it, it always has its advantages. Disadvantages: 1, the integral policy is inhuman (20 yuan scores one point, which is not zero); 2. The interest-free period is the shortest among all issuers, with the shortest 18 days; 3. There is no SMS prompt for small consumption; 4. All cards are combined into one bill (inflexible); 5. The online payment limit is too low (500 yuan); 6. Without the password, many people feel unsafe. However, international standard credit cards also have no password signature.