China Merchants Bank, if you swipe 6 times, the annual fee will be waived for the next year, the service is good, but 20 yuan will earn 1 point

China Construction Bank, if you swipe 3 times, the annual fee will be waived for the next year, Hong Kong card 4 Double the points

Guangfa, if you swipe it 6 times, the annual fee for the next year will be waived. Newly opened True Love Cards will give you insurance. 3 times the points at merchants of your choice. Points are often given away

Bank of China has many overseas outlets. , if you often travel abroad, it is recommended that you use Bank of China

Shenzhen Development Bank now has a "mortgage credit card". The points of the mortgage credit card are valid for a long time and "will not be cleared". Customers who do not have a mortgage loan can reserve the points of the credit card in advance. When you apply for a Shenzhen Development Bank mortgage or remortgage in the future, you can deduct 100% of the monthly payment. "The minimum reward ratio of this card is 0.25, and the maximum can be 1." The relevant person in charge of Shenzhen Development Bank said that the points earned by swiping the card will be directly deducted from the monthly mortgage payment of the month after being discounted with rebates.

China Minsheng Bank

Advantages: The value of points is high; installments do not account for the quota; the gold card has a lawyer who provides good service; the ID card is very personalized, but there is a card printing fee; cash withdrawals No handling fee

Disadvantages: few branches; does not support Alipay; online banking interface is old-fashioned

Summary: suitable for friends who value points

Industrial Bank

Advantages: Supports "Tenpay" repayment; "Gold Card" can enjoy airport VIP lounge services; "

Disadvantages: No 800-400 customer service; few outlets; discrimination against agricultural household registration and men;

Summary: Suitable for friends who fly frequently and don’t want to pay the annual fee for platinum cards

Guangdong Development Bank

Advantages: After half a year of use, you can get 100% cash withdrawal; 56-day long interest-free period; "Everything" installment starting point is low (only 500); 48-hour card loss protection; supports Alipay

Disadvantages: No 800 400 phone number, and 95508 are all established by branches in various places; there are few outlets

Summary: Suitable for friends who like full cash withdrawals and low starting point installments

CITIC Bank

Advantages: Installment quota Relatively high (up to 5 times) and does not account for the limit; supports Alipay; "

Disadvantages: few outlets; online banking is very rubbish; no 400 number; points are not permanently valid; you are not required to call customer service Instead of entering your ID number, you are asked to enter your card number. It is not humane at all; you must swipe the card once within 30 days after verification, otherwise you will be charged an annual fee

Summary: Suitable for friends who need to cash out in installments, except It has no other function

Shenzhen Development Bank

Advantages: Basically useless, there is a "Walmart Imagine Card" that I think is okay; the limits of international cards and domestic cards are separate;

Disadvantages: Few outlets; 95501 can connect to human service in half an hour. I’ll treat you to dinner. Walmart’s Imagine Card hotline 400-688-6888 is relatively easy to connect; there is no 800 number; the credit limit is generally low

Summary: Suitable for friends who often shop at Wal-Mart"

Bank of Communications

Advantages: 56-day long interest-free period; YP card allows 100% cash withdrawal; supports Alipay

Disadvantages: No 400 phone number; installment operation is cumbersome; each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted; points are not permanently valid

Summary: If If you often buy home appliances, "Suning Card" is not bad, double Suning points;

Bank of China

Advantages: There is a personal photo on the back of the credit card, reducing the risk of being used fraudulently; 85 It started issuing cards in 2017 and is the earliest credit card issuer in China;

Disadvantages: you have to go to a business outlet to cancel your account; the credit limit is low (a common problem of state-owned banks); 800 is only for Great Wall International cards; Alipay is not supported

Summary: The Olympic Card is suitable for collection purposes

Shanghai Pudong Development Bank

Advantages: The gold card can enjoy the special merchant services of "Citibank CITI BANK" overseas; Can print photos

Disadvantages: no 400 phone number; you need to spend a certain amount of money to get the annual fee waived (2,000 for a regular card, 5,000 for a gold card); few outlets

Summary: I feel that each Pudong Development Bank card has a fashionable appearance and is suitable for collection

China Merchants Bank

Advantages: Except for the following "disadvantages", everything else is good

Disadvantages: The points policy is very inhumane; the interest-free period is the shortest among all card issuers, the shortest is 18 days

Summary: Suitable for friends who value service more than points; I strongly recommend it

China Construction Bank

Advantages: many network points; compared with the other three state-owned banks, the application threshold is lower

Disadvantages: no 400 phone number; quotas are generally low and quota increases are slow ;Each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated. Summary: Suitable for friends who do not have local joint-stock commercial banks

China Everbright Bank

Advantages: Swipe 3 Annual fee waived every time

;Fuka small card can be automatically divided into 12 installments (of course there is a handling fee)

Disadvantages: No 800 number; 8 yuan points for one point, points cannot be exchanged for gifts yet; few outlets; people with many cards (Credit cards from more than 6 banks) are basically not approved

Summary: suitable for collection purposes

Agricultural Bank of China

Advantages: many network points; 56 days Super long interest-free period

Disadvantages: No 400 phone number; the limit is generally low; I feel that the bank does not attach great importance to the credit card business;

Summary: Suitable for friends who do not have local joint-stock commercial banks

Industrial and Commercial Bank of China

Advantages: There are more than 30,000 branches across the country, making it the bank with the most branches in China; it supports Alipay and has unlimited limits

Disadvantages: Such a big bank does not have an 800 number, and the 400 number is not open to individual users; service is poor; credit limit is low; you have to go to an outlet to cancel an account Summary: Suitable for friends who do not have a local joint-stock commercial bank;