each bank's credit card will have its own characteristics, and it depends on the specific aspects before choosing. Generally, the threshold for holding a card in a joint-stock commercial bank is relatively low:

1. Advantages of China Merchants Bank Credit Card

1. The application threshold is extremely low, and the points are permanently valid;

2. Online banking is powerful and easy to operate, and supports Alipay;

3. There are often over-priced group purchases, and there are many activities and tricks;

4. All cards are combined into one bill (easy to repay);

Disadvantages:

1. The integral policy is very inhuman (2 yuan scores one point, not counting zero);

2. The shortest interest-free period is 18 days;

3. There is no SMS prompt for small consumption;

Second, the Bank of Communications Credit Card

Advantages:

1. The application threshold is low and the withdrawal amount is fast;

2, 56 days long interest-free period;

3. You can withdraw 1% cash;

4. YP card can be fully withdrawn; Undergraduate students directly approve 5 quotas;

5. AliPay is supported and the online payment limit is high (1, yuan).

Disadvantages:

1. Staging operation is complicated;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

3. The integral is not permanently valid;

4. SMS charges. You can pay 48 yuan a year without worrying about using your card, so you dare to pay a small annual fee.

5. Repayment is not very convenient;

6. YP card points are accounted independently and cannot be exchanged for mileage.

Third, ICBC Credit Card

Advantages:

With more than 1, outlets, it is the bank with the most outlets in China at present;

2. Support Alipay, and it can be unlimited;

3. There is no handling fee for local cash withdrawal;

4. International card quotas of different brands are independent.

Disadvantages:

1. The bid threshold is too high and the quota is too low;

2. Poor service attitude;

3. There is no 8 telephone, and 4 is not open to individual users;

Fourth, CCB Credit Card

Advantages:

1. More network points;

2. Compared with the other three state-owned banks, the application threshold is lower;

3. The cash withdrawal fee is low (.5%);

Disadvantages:

1. The quota is generally low and the withdrawal is slow;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted.