In fact, credit cards are almost the same, but the card faces are different, and then there are differences in some subtle functions and offers.

The main gold of standard card V is standard visa gold card: UnionPay and visa, RMB and USD.

There is no Transformers Elite Edition, only the English version of the film group (that is, the one with four Transformers characters on the card): it is a double standard of UnionPay jcb, but it is also a dual currency of RMB and USD.

Personally, I think visa is better. If it is used in China, it is UnionPay anyway, which makes no difference. In foreign countries, it seems that there are more merchants in visa. You can keep the transformers.

The credit card of CCB is not counted until the card is approved, and the continuous period of 12 months is 1 year. Suppose your credit card was approved in June of 14, then from June of 14 to May of 15 for one year, the annual visa fee is 160 yuan/year. As long as you swipe your card or withdraw cash for three times, you can avoid the annual fee of the year, and online consumption is also counted. It's easy to spend three pens when you get the card. Don't worry even if you have an annual fee in the first year. If you make up the annual fee three times within two months, the annual fee will be returned to you.