What are the advantages and disadvantages of various bank credit cards?

1. Credit cards of the four major state-owned commercial banks

China Construction Bank

Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it three times;< /p>

2. SMS service is free;

3. Cash withdrawal fee is only 0.5%;

4. Loss reporting fee is 50 yuan;

5. There is a credit card directly targeted at car owners. Anyone with a car with a displacement of 1.4 or above can easily apply for the card.

Disadvantages: The gifts that points can be exchanged for are few and poor

Bank of China

Advantages: 1. The annual fee is waived for the first year, and the next year is waived if you use it five times. Annual fee;

2. SMS service is free;

3. Cash withdrawal fee is only 1%;

4. Loss reporting fee is only 40 yuan.

Disadvantages: High points are required to exchange gifts, and there are few types of gifts

ICBC

Advantages: 1. Free of charge for swiping American Express cards 5 times a year or spending 5,000 yuan The annual fee for the current year, or 2,000 points can be exchanged for the one-year annual fee for RMB ordinary cards;

2. There is no handling fee for cash withdrawals;

3. There is no handling fee for overpayment withdrawal;< /p>

4. It only costs 20 yuan to report a loss;

5. There are many outlets.

Disadvantages: SMS service fee is 2 yuan/month; high points are required to redeem gifts, and there are few types of gifts

Agricultural Bank of China

Advantages: 1. Free of charge for the first year The annual fee is waived if you swipe five times;

2. The SMS service is free;

3. The cash withdrawal fee is only 1%;

4. The handling fee for reporting a loss is only 50 yuan;

5. There are many outlets.

Disadvantages: Few types of credit cards; card application procedures are relatively cumbersome; few points can be redeemed for gifts

2. Other commercial bank credit cards

China Merchants Bank

Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you use it six times;

2. Free SMS service;

3. The loss reporting fee is 60 yuan;

4. Points gifts are better.

Disadvantages: high cash withdrawal fee of 3%; fewer outlets

CITIC Bank

Advantages: 1. The first year is waived if you swipe the card once within one month after it is issued. Annual fee is waived if you swipe the card five times;

2. Free SMS service;

3. Free accident insurance.

Disadvantages: high cash withdrawal fee of 3%; few outlets; high handling fee of 80 yuan for reporting loss; many gifts but higher points required

Industrial Bank

< p>Advantages: 1. The first-year annual fee is waived, and the next annual fee is waived if you use it five times or spend 3,000;

2. It only costs 50 yuan to report a loss.

Disadvantages: SMS service fee is 3 yuan/month; high cash withdrawal fee of 3%; few branches

Bank of Communications

Advantages: 1. Free for the first year Annual fee: Y-POWER card is swiped three times for free, and other cards are swiped six times for free;

2. SMS service is free;

3. Cash withdrawal procedures The fee is only 1%;

4. It costs 50 yuan to report a loss;

5. There are more outlets than other non-state-owned commercial banks;

6. Points can be redeemed There are more gifts.

Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average

Shanghai Pudong Development Bank

Advantages: 1. Free of charge for the first year Annual fee;

2. No SMS service fee;

3. No loss report handling fee;

4. No overpayment recovery handling fee

Disadvantages: 1. The annual fee for the following year will be exempted based on the card swiping record and repayment record;

2. The handling fee for replacing a damaged card is 80 yuan;

3. The cash withdrawal fee is high at 3%;

4. There are few outlets.

Shenzhen Development Bank

Advantages: 1. First-year annual fee waived;

2. Cash withdrawal fee 1%;

3 , The handling fee for reporting a loss is 50 yuan;

4. The handling fee for making a replacement statement is only 2 yuan.

Disadvantages: You can only use points to exchange for the next year's annual fee. Some credit cards can only be redeemed for the next year's annual fee by swiping 12 times in the first year; there are few outlets

Minsheng Bank

Advantages: 1. No annual fee for the first year;

2. No handling fee for cash withdrawals;

3. No handling fees for overpayment withdrawal;

4. Provide aviation accident insurance and provide discounted car on-site emergency assistance services.

Disadvantages: 1. Most credit cards need to be swiped 8 times to be exempt from the annual fee for the next year, and some require a 160 yuan production fee;

2. SMS service fee is 3 yuan;

3. The handling fee for reporting a loss is 80 yuan;

4. There are few outlets.

China Everbright Bank

Advantages: 1. The first-year annual fee is waived for some cards, and the annual fee for the next year is waived if you swipe it three times;

2. The cash withdrawal fee is 1% ;

3. No SMS service fee;

4. It costs 50 yuan to report a loss.

Disadvantages: Some cards only waive the first-year annual fee, while some cards require a first-year annual fee; few outlets

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