How to apply for a credit card
The first way to apply for a credit card is: the applicant goes directly to the bank counter to apply. If you apply at a bank, you must fill in the information directly. There are bank staff on site who can guide me in filling in the relevant information, which can avoid the problem of being rejected if the information is filled in incorrectly. At the same time, we can issue more qualification certificates and wealth certificates, which will help increase our final card purchase limit. However, the credit card review process at the bank counter will be relatively slow, because the information must be reported from the branch to the credit card center, and then the card center will review your information. Another way is to apply for a card online: Nowadays, when applying for a credit card, we can apply for it on the official website of the credit card. However, when applying for a credit card online, we have to fill in the information ourselves, which makes it easier to fill in the information incorrectly. was dismissed. However, online application is mainly convenient and you don’t have to go out. You only need a mobile phone or a computer to apply. There is another way to apply for a credit card: that is to apply for a credit card through the bank's credit card clerk. We often see these bank staff setting up stalls in shopping malls or other stores to promote credit card applications. This method of applying for a card allows you to receive prizes, but since they are all business personnel, their main purpose is to obtain performance, so we still have to carefully consider things that guarantee a high limit and ensure the card is issued, and not to believe too much. The process of applying for a credit card 1. Prepare the application materials. 2. After the materials are ready, you can go to the bank to apply or make an appointment online. 3. Then wait for the bank's approval. During the approval process, the bank will call the applicant to verify the information. 4. After the approval is passed, the bank will mail the card to the applicant. It will take about 3 weeks to get the card after successfully submitting the information. "Legal basis: Credit card business is a civil act. The General Principles of Civil Law, Contract Law, Criminal Law, People's Bank of China Law, Commercial Bank Law and other laws have principled provisions on credit card business. Chapter 5 of the "People's Bank of China Law" states that the People's Bank of China examines and approves the establishment, change, termination and business scope of financial institutions in accordance with regulations. Article 3 of the "Commercial Bank Law" has 13 items in its business scope. Credit goes to school. Businesses that fall under item 13 and are approved by the People's Bank of China are invalid and subject to corresponding criminal liability.
How to apply for a credit card?
< p>Question 1: How to apply for a credit card? You can apply as long as you meet the following two conditions:1. Be over 18 years old;
2. Have a stable job or permanent job Source of income;
To apply for a credit card, you need to provide the following information:
1. Copy of ID card, proof of employment or income, etc.
2. If you are. You can also provide bank deposit certificates, real estate certificates, degree certificates, etc., and your application approval process will be more convenient and faster.
The overdraft limit is determined based on your comprehensive qualification assessment.
Question 2: How can I apply for a credit card successfully under my conditions? I have worked at the Bank of Communications Credit Card Center in Hangzhou for 2 years. It may be helpful to you.
You are 21 years old now.
You can apply for most of the 12 banks. Please consult the relevant salesperson for details. There should be salespersons in Beijing’s large supermarkets. Basically, there are a lot of banks. You go to transportation first, your conditions are 100% feasible, CITIC can also do it, other banks are basically fine
Investment recruitment is quite demanding (I have worked in investment recruitment for 3 months...)
Notes when filling in:
Education: You can write a college degree, which is also acceptable
Materials: ID card. (The business card printing industry is very particular. Make it look good and be standardized. , don’t print super cheap stuff that only costs a few dollars)
Does your company have a legal person? The legal person is you.
Proof of income (the company has a company seal, not a contract-specific seal)
If you have a business license (the legal person is for you), you don’t need a work certificate and name tag, otherwise it will look like you issued it for yourself. .
It’s better not to attach it
Application Note:
Your work phone number: I can get it or someone who knows you can get it (very important)
My phone number : Keep it open (very important)
Home phone number: It’s best to be able to get through
Immediate family members: Parents’ mobile phones
Other contacts: Directly your girlfriend never mind.
Remember the application information yourself. The bank will call you for review. Don’t give wrong answers.
It is recommended that the salesperson come to you to handle the application. Advantages: The card processing rate is high! Because for the bank, this is equivalent to verifying your unit.
Communicate more with salespeople. Ask him which card he has planted the most during this period and which card has a higher limit. There are many types of bank credit cards.
Question 3: How to apply for a credit card for salary card? 1. It stands to reason that it is easier to apply for a credit card from whichever bank your salary card comes from. However, your Anshan Bank is not a big bank and does not mainly make money with credit cards. It is a local bank, so the threshold for your application will be high. If you have a local account, you must have a real estate certificate, a car certificate, etc. This is because Anshan Bank has raised the threshold in order to reduce the risks brought by credit cards. It is not like transportation, investment, Pudong Development, etc. who use credit cards to make money.
2. So you can only apply for credit cards from other banks. The industrial and commercial requirements are also relatively high, unless you can meet the conditions.
But each place is different. You can try, but if it doesn’t work, apply at the counter of other local banks, Bank of Communications, Merchants, etc.
3. To apply for a credit card, you need to provide your work permit, ID card, social security number, and salary certificates for the past three months. The more there are, the easier it is to pass the review and the higher the limit.
4. The credit limit of a credit card is generally three times your average monthly salary
5. There is no interest for credit card purchases. As long as you repay on time, you can withdraw cash with a credit card. One-tenth of the handling fee and five-ten thousandths of interest per day! ,
6. The repayment time is determined based on the billing date of your credit card. Each card will have its billing date. Generally, the repayment date is about 20 days after the billing date. The billing date and repayment date will be written on the card when you receive it. The billing date can be changed (but the number of changes is limited)
7. If you still don’t understand, you can ask Me
8. I wish you success in applying for the card and happy using the card!
9. Happy National Day~
Question 4: How to apply for a credit card online Hello, the most important condition for applying for a credit card is to have a stable job and income, and the necessary application document is proof of identity. Copies and employment certification documents. If you can provide other financial proof documents, it will be more helpful to understand your personal situation and determine your credit limit. Detailed application materials are as follows: 1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card; 2. Proof of employment: it can be issued by the unit where you are employed. Original work certificate (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or a copy of the original work certificate/plate that has been verified by the promoter and marked; 3. Proof of financial resources : It can be salary records issued by banks, or income tax withholding vouchers, or documents proving the market value of houses, cars, deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other information that can prove your financial level. . Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.
If you are applying for our credit card for the first time, there are 3 application methods: 1. Online application: t/7fdR3; 2. Please bring your original identity certificate, work certificate and financial certificate documents to the bank in person Handled at all branches of China Merchants Bank. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. Warm reminder: The credit card verification status and application limit will be subject to the final review results.
(You can consult online through QQ or WeChat about the China Merchants Bank credit card service information you want to know.
Method 1: Search for 4008205555 among QQ business friends and add China Merchants Bank Credit Card Center as a friend; Method 2: Search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center)
Question 5: Go to the bank to apply What procedures are required for a credit card? Can I apply for it? At present, there are many credit card issuing institutions in various banks. For different customer groups, the emphasis on personal credit requirements is different, and the specific requirements are different, but some basic basic conditions are the same: 1. Aged between 18 and 65 years old. 2. Have a stable career and income; 3. Have good credit and the ability to pay interest on time; 4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, mentally ill persons to a certain extent) Can't).
If you have not met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions: 1. Have full capacity for civil conduct or limited capacity for civil conduct. Natural persons 2. Applicants for supplementary cards who are 13 years of age or older. 3. Applicants who are under 16 years of age must provide a copy of their household registration book when applying.
It is worth noting that some cards are not available to everyone and have some special requirements for cardholders. For example: CITIC Bank Magic Credit Card can only be applied for by women.
Relevant credit certificates that applicants need to provide:
1. Fully prepare various asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to copy the credit cards you already own when applying and attach them to the application form. Just send it (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the personal credit information system of the Central Bank. Good consumer credit and repayment credit are the most important things for banks. valued). If you are applying for a credit card for the first time, because you do not have any consumer credit record, the bank mainly relies on your various income and asset status to decide whether to approve the card for you and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc. Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates.
2. Fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of obtaining credit card approval, and the higher the limit): 1. Whether there is a landline in the city Number (having a fixed phone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score); 2. Whether you are married (the score of married is higher than that of unmarried); 3. Whether you have a household registration in this city (this city The score of household registration is higher than that of household registration in other places); 4. Whether there is a house (the score of owning a house is higher than not having a house, and the score of self-living is higher than living with parents); 5. Educational level (the higher the education level, the higher the score) ;6. Nature of the work unit (the more stable and well-known the work unit is, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores) ;7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees).
Question 6: How to apply for a credit card for free. At present, most young people have a strong awareness of advanced consumption. They apply for several credit cards and spend money with their cards today. Spending money tomorrow is the fashionable life they pursue. Major banks have responded to the demand and made it easier for people to apply for credit cards, making it a reality for people to apply for credit cards for free. So, what? It is understood that there are currently two ways to apply for a credit card for free: application at business outlets and online application. Next, I will introduce you to two ways to apply for a credit card for free. Apply for a credit card for free at a business outlet: Currently, the most common way to apply for a credit card for free is to go directly to a nearby bank outlet and ask the relevant bank staff to apply for a credit card on your behalf.
Of course, before applying, you need to prepare all the materials required for applying for a credit card, such as your valid ID card and its copy, your work certificate or income certificate materials. If you want to apply for a high-limit credit card, you also need to provide time deposit certificates, car driving certificates, etc. certificate and house property ownership certificate and other supporting materials. This method not only allows you to apply for a credit card for free, but it is also more direct and hassle-free. However, if it is far away from home, users need to go to the bank business hall in person to handle it, which is still somewhat time-consuming and labor-intensive. Apply for a credit card online for free: There is another way to apply for a credit card for free, that is, apply for a credit card online by yourself. You only need to log in to the personal online banking of the bank where the credit card you want to apply for is located. On the personal online banking interface, select "Credit Card Services" and click "Apply for a Credit Card". It doesn't matter if you don't have online banking. You can directly log in to the homepage of the bank where you want to apply for the credit card, and you can also apply for a credit card for free. After logging in to the bank's homepage, enter the credit card application page and select the application area. The system will list the types of credit cards that can be applied for in the area for you to choose from. After selecting the type of card you want to apply for, you need to fill in the personal information for the credit card. After filling in , click "Submit" to complete the operation. Finally, the system will automatically review it first and then submit it to the local branch for further review. After passing the review, the bank will notify you online that you have successfully applied for the bank's credit card. But generally speaking, the credit card limit applied for online is not high. If you want to increase the overdraft limit, you need to submit proof of personal financial resources when you go through the card collection procedures. Finally, I would like to remind everyone that there are currently many "credit card agency" websites on the Internet that also claim to apply for free credit cards, and some even claim to be able to handle high-limit credit cards worth hundreds of thousands. These so-called "credit card agency" websites are very likely to be This ++ handling fee or deposit, or even worse, malicious overdraft after stealing customer information to apply for a credit card. Therefore, if you want to truly “get a credit card for free”, it’s best to do it yourself!
Question 7: How to apply for a credit card quickly? 18 years old,
Have an ID card,
can issue proof of income and work certificate stamped with the official seal of the company and unit,
Two contact persons,< /p>
Mobile phone number or home phone number, work or company phone number
It is best to apply for a credit card at a non-state-owned bank. The limit may be higher, and it is easier to apply successfully
Go to the county bank building and find the credit card account manager
Proof of financial resources:
It can be salary records issued by the bank, or income tax withholding certificates, or houses, cars, Documents proving the market value of deposits and investments (such as copies of real estate certificates/car driving licenses/bank time deposit certificates) and other documents that can prove your financial level. Other documents available for reference include: social security personal account list in the past six months, water and gas bills, credit card bills from other banks, etc.
Work certificate:
It can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and stamp it with the company seal or personnel seal ), or a copy of the original and marked work ID card that has been verified by the promoter;
Proof of identity:
Usually an ID card (if you are using a new version of the ID card, A copy of both sides is required), and military personnel need to provide a copy of their military ID card
Log in to ICBC online banking, and you can see your personal ICBC star rating on the welcome page
Customers without a credit card (no credit card ): Four-star regular card 10,000, five-star gold card 50,000, six-star gold/platinum card 100,000, seven-star gold/platinum card 300,000
Customers with cards (those with credit cards): The four-star regular card is RMB 50,000, the five-star gold card is RMB 100,000, the six-star platinum card is RMB 500,000, and the seven-star platinum card is RMB 1 million
ID card + car driving license (no need to own a car), you can apply for ICBC smooth credit card, Amount of 5,000 to tens of thousands
ICBC credit card installment rate (the lowest in the country) is 1.03% for 3 periods, 1.8% for 6 periods, 2.75% for 9 periods, 3.58% for 12 periods, 5.36% for 18 periods, and 5.36% for 24 periods 7.05% The minimum spending per card swipe is 600 yuan, and you can apply for installment payment
Bank of Communications encourages credit card applications, and there will be rewards for every three people who successfully recommend a credit card
Question 8: How to apply Apply for a credit card worth at least 100,000 yuan? Hello! China Merchants Bank credit card application conditions: Applicants should be between 18 and 60 years old (25 to 60 years old for overseas residents), have certain financial capabilities and have a good credit record.
The result of credit card application shall be subject to actual review by our bank. Information: Credit card application form from our bank, copy of front and back of ID card (foreigners: passport and residence permit or employment permit; Taiwanese: Taiwan compatriot card and employment permit; Hong Kong and Macao residents: return permit and employment permit/residence permit) and work certification documents issued by the unit. In addition, providing the following information will help increase your credit limit, such as: a copy of the savings account statement of China Merchants Bank in the past three months; the original asset balance certificate of the financial account opened by China Merchants Bank; a copy of the real estate certificate (including your name) + the A copy of any water, electricity and coal invoice of the property in the past 3 months; a copy of my car driving license. For more credit card application questions, please see: cc.cmbchina/...0db8bc
Question 9: How do students apply for a credit card?
Go to the nearest bank branch;
p>
Online processing: Peony student card, Dragon card college student card/prestigious school card, Youka, Young card, Fantasy card, I card;
Processing through the salesperson: Find the card used by the card salesperson Notes
When using credit cards, you must adhere to the principle of "living within your means and using cards rationally":
(1) Repay in time. After using a credit card for overdraft consumption, you must repay the amount in full before the repayment date specified by the bank. Otherwise, the bank will charge interest at a daily rate of 0.5% starting from the day you swipe the card.
(2) Use it safely. Be careful not to leak credit card information to others, especially the credit card's ++, expiration date and verification code. Criminals can use this credit to complete online payments. If your card is lost, please contact the card-issuing bank immediately to report the loss.
(3) Careful reconciliation. The card-issuing bank will send a statement to the cardholder every month. This statement is a detailed record of the cardholder's monthly card consumption, cash withdrawals and repayments. After receiving the statement, read each record carefully to prevent the bank from making accounting errors, and pay more attention to whether someone has stolen your credit card. At the same time, the statement is also a very convenient financial management tool, which will help you improve your spending habits and minimize unnecessary expenses.
(4) Limit the use of the card. Each credit card has a credit limit set by the bank based on the cardholder's creditworthiness. After the credit card amount reaches the credit card limit, the cardholder can still use the card to make purchases or withdraw cash. In this case, all your purchases this month will no longer enjoy the interest-free treatment, and the bank will also charge you an over-limit fee. . The standard for over-limit fees is generally 5% of the excess credit limit. Therefore, college students must avoid overdrafting beyond their credit limit when using credit cards.
1. What information is generally required to submit when applying for a college student credit card?
Generally, you are required to provide a copy of your ID card, student ID card or original certificate from your department. Some banks may also require you to present other cards issued by the school.
2. What kinds of credit cards are there for college students?
There are currently six types of credit cards for college students, including the "Peony Student Card" issued by the Industrial and Commercial Bank of China, the "Dragon Card College Student Card" issued by China Construction Bank, the "Youka" issued by the Agricultural Bank of China, and the China Merchants Bank "Young Card" issued by Guangdong Development Bank, "Fantasy Card" issued by Guangdong Development Bank and "I Card" issued by China CITIC Bank.
3. Can college students who have applied for student loans apply for a credit card?
Each bank has different policies. China Construction Bank has no restrictions; however, the Agricultural Bank of China has strict restrictions on card application for college students who have already taken out student loans.
4. Is interest-free installment payment really interest-free?
Each bank uses the "interest-free" feature of interest-free installment payment as a selling point, but in fact, although cardholders do not need to pay interest, they have to pay a certain handling fee, which may be more than the overdraft interest. Be big. For example, if you use the Peony Student Card of the Industrial and Commercial Bank of China to make an installment payment, if you want to repay it in installments in the next 18 months, you need to pay a one-time handling fee of 11.7% of the total installment amount to the bank.
5. Can I enjoy the longest interest-free period for card purchases?
If the payment is repaid in full before the repayment date, the cardholder does not need to pay overdraft interest from the credit card statement date to the repayment date. So how long is the period from the credit card statement date to the repayment date? The regulations of each bank are different. The regulation of Industrial and Commercial Bank of China is 25 days, and the regulation of China Construction Bank is 20 days.
Only cardholders who swipe their cards for consumption on the day after the bank statement is issued can enjoy the bank's longest interest-free period in a 31-day month.
6. Can college students who graduate next year get a credit card?
You can apply as long as you don’t graduate in the same year.
7. Can college students use credit cards from other places? Do I need to pay a handling fee?
College student credit cards are all credit cards with the UnionPay logo and can be used at POS machines across the country without paying additional handling fees.
8. Is the credit limit of a college student’s credit card fixed?
After six months of using a college student's credit card, you can apply to the bank to increase the credit limit. The bank will evaluate the cardholder's comprehensive credit by taking into account factors such as the credit card usage and decide whether to increase the credit limit based on the evaluation results. Increase your credit limit. In addition, if you need to make large expenditures in the short term, you can also apply to the bank for a temporary increase in your credit limit.
9. Can master’s and doctoral students also apply for college credit cards?
Of course. Master's and doctoral students at school are more likely to be approved for credit cards and can get higher credit limits.
10. Is there any interest on credit card deposits?
There is no interest on credit card deposits. In order to obtain more interest income, it is recommended that you usually save the remaining funds...
Question 10: How can I apply for a credit card for the first time? When applying for a credit card for the first time, it is difficult to 100% apply for the card. For users who apply for a credit card for the first time, we have summarized a set of card application tips for reference only:
1. Choose a bank where it is easy to apply for the card
If you can apply for a credit card issued by a bank that cooperates with the applicant's company (salary card, social security IC card, etc.), try to apply for it. First, it is easy to apply for the card, and second, the limit is generally higher.
Choose a commercial bank that is easier to apply for a card, such as Bank of Communications, China Merchants Bank, China CITIC Bank, Ping An Bank, etc.; the threshold for applying for a card at the above banks is relatively low, and you don’t need to provide much information, you just need to work You can apply for a card with certificates, academic certificates, etc. After you have a few commercial bank credit cards, you can apply for a card with the card, and it will be much easier to apply for the card and raise the limit.
2. Choose an application channel that is easy to apply for a card
The advantage of online application is that the process is fast, the information is directly entered into the bank's credit card center, the bank reviews it online, and the card is issued by express delivery. In addition, the approval rate for online applications is higher. The disadvantage is that it mainly depends on whether the card applicant has a job. Without a job, it is difficult to apply for a credit card online. In addition, the approved credit limit is relatively low.
When applying for a credit card for the first time, especially office workers with stable jobs, you can try to apply online to ensure that the card is issued as soon as possible.
3. Provide the following information to increase the success rate of card application
Company income certificate, business card, and copy of work badge: These are the best descriptions of the current work situation. Many times there is a Work badge of a state-owned enterprise or official certificate of a civil servant.
Social security certificate: Working for the same company for more than 3 months and having a record of paying social security can prove that the job is stable, and pre-tax income can be estimated by checking the social security payment bank.
Proof of deposit: If you plan to apply for a credit card from a bank, the best way to apply for the card and raise the limit is to have a large time deposit with the bank for more than 3 months.
Other property certificates: such as real estate certificates, vehicle certificates, financial product certificates, etc.
4. Tips for filling in application information
Provide a valid company landline or home landline;
Company name and address are correct;
The billing address must be filled in to an address that can receive express delivery, preferably the company address;
The higher the annual income, the better. In addition to the basic salary, other bonuses and investments Income such as income can also be added;
It is best to work in the current unit for more than one year.
5. Tips for responding to bank phone calls
Remember the application information and do not give inconsistent answers to the application information;
Contact the company front desk in advance Say hello well and don't miss the bank call;
Make sure the environment is quiet and don't answer the phone in a particularly noisy environment;
Proactively provide information that is beneficial to you, etc.
Does it cost money to apply for a credit card?
The credit card application process is free. The formal application process does not require any handling fees. Now major banks are striving for more credit card market share and there is no charge for applying for a credit card. Comprehensive inventory of the four major state-owned commercial banks of bank credit cards around you: China Construction Bank: Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you swipe it three times; 2. The SMS service is free; 3. The cash withdrawal fee is only 0.5%; 4. . The handling fee for reporting a loss 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 more can easily apply for the card. Disadvantages: The gifts that points can be exchanged for are few and inferior. Bank of China: Advantages: 1. The annual fee for the first year is waived, and the annual fee for the next year is waived if you use it 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 40 yuan. Disadvantages: high points are required to exchange gifts, and there are few types of gifts. Industrial and Commercial Bank of China: Advantages: 1. Use American Express card 5 times a year or spend 5,000 yuan to waive the annual fee for the year, or exchange 2,000 points for a regular RMB card for one year. Annual fee; 2. Cash withdrawal fee is free; 3. Overpayment refund is free of charge; 4. Reporting a loss only costs 20 yuan; 5. Many outlets. Disadvantages: 1. SMS service fee is 2 yuan/month; 2. Exchange gift points Agricultural Bank of China requires high points and few types of gifts: Advantages: 1. No annual fee for the first year, and no annual fee for the next year if you swipe five times; 2. Free SMS service; 3. The cash withdrawal fee is only 1%; 4. The loss reporting fee is only 1%. 50 yuan; 5. More outlets. Disadvantages: 1. Few types of credit cards; 2. Card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts. China Merchants Bank: Advantages: 1. Annual fee is waived for the first year, and it is waived for the following year if you swipe it six times. Annual fee; 2. SMS service is free; 3. Loss report handling fee is 60 yuan; 4. Points gifts are good Disadvantages: 1. High cash withdrawal fee of 3%; 2. Fewer outlets CITIC Bank: Advantages: 1. One after the card is issued The first-year annual fee is waived by swiping the card once within a month, and the annual fee for the next year is waived by swiping the card five times; 2. Free SMS service; 3. Free accident insurance. Disadvantages: 1. High cash withdrawal fee of 3%; 2. Few outlets; 3. . The handling fee for reporting a loss is 80 yuan; 4. There are many gifts but the points required are relatively high. Industrial Bank: Advantages: 1. The first-year annual fee is waived. If you swipe five times or spend 3,000, the annual fee for the next year is waived; 2. It costs 50 yuan to report a loss. Disadvantages: 1. The SMS service fee is 3 yuan/month; 2. The cash withdrawal fee is high at 3%; 3. Few branches. Bank of Communications: Advantages: 1. The first year annual fee is waived, and the Y-POWER card is waived for the next year if you swipe it three times. , other cards are swiped six times without annual fees; 2. SMS service is free; 3. Cash withdrawal fee is only 1%; 4. Reporting loss requires 50 yuan; 5. There are more outlets than other non-state-owned commercial banks; 6. Points can There are many gifts redeemed. Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is that Guangfa Bank is average: Advantages: 1. The first-year annual fee is waived, and the annual fee for the next year is waived after six purchases; 2. Overflow There is no handling fee for payment and retrieval; 3. It only costs 3 yuan to prepare a replacement statement; 4. A copy of insurance is provided; 5. There are discounts for applying for the card. Disadvantages: 1. The SMS service fee is 3 yuan; 2. The handling fee for reporting loss is high Requires 85 yuan; 3. Fewer branches Pudong Development Bank: Advantages: 1. No annual fee for the first year; 2. No SMS service fee; 3. No handling fee for reporting loss; 4. No handling fee for overpayment recovery. Disadvantages: 1. The annual fee is 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 handling fee is 3%; 4. Few branches Shenzhen Development Bank: Advantages: 1. Free Annual fee for the first year; 2. Cash withdrawal fee 1%; 3. Loss reporting fee 50 yuan; 4. Replacement statement fee only 2 yuan Disadvantages: 1. Points can only be exchanged for the next year's annual fee, some credit cards You can redeem the next annual fee by swiping 12 times in the first year; 2. Few branches Minsheng Bank: Advantages: 1. No annual fee for the first year; 2. No cash withdrawal handling fee; 3. No handling fee for overpayment withdrawal; 4. Free Aviation accident insurance also provides discounted car on-site emergency rescue services. Disadvantages: 1. Most credit cards require 8 swipes to be exempted from the annual fee for the next year, and some require a 160 yuan production fee; 2. SMS service fee is 3 yuan; 3. Loss report handling fee It costs 80 yuan; 4. Few branches. Everbright Bank: Advantages: 1. Some cards are exempt from the first-year annual fee, and swiping three times is exempt from the annual fee for the next year; 2. Cash withdrawal fee is 1%; 3. No SMS service fee; 4. No need to report loss Disadvantages of 50 yuan: