I recommend four state-owned banks in China-China Agricultural Bank, China Construction Bank, China Industrial and Commercial Bank and China Bank. Not only are there many outlets in these four banks, but their credit card varieties are also complete, which is convenient for you to use.

Advantages of China Construction Bank

: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after three swipes; 2. SMS service is free; 3. The cash withdrawal fee is only .5%; 4. 5 yuan for loss reporting fee; 5. There is a credit card directly for car owners. As long as there are cars with a displacement of more than 1.4, you can easily apply for a card.

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

China Bank

Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes; 2. SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The loss reporting fee is only in 4 yuan.

Disadvantages: the points required for gift exchange are high, and there are few kinds of gifts.

ICBC

Advantages: 1. The American Express card is swiped 5 times a year, or the annual fee of the current year is exempted when spending 5, yuan, or the annual fee of RMB ordinary card is exchanged for 2, points; 2. Cash withdrawal fee is free; 3. The overpayment will be recovered free of charge; 4. Only 2 yuan is needed to report the loss; 5. There are many outlets.

Disadvantages: SMS service fee is 2 yuan/month; The points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank

Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes; 2. SMS service is free; 3. The cash withdrawal fee is only 1%; 4. The loss reporting fee is only in 5 yuan; 5. There are many outlets.

Disadvantages: there are few types of credit cards; The card processing procedures are relatively cumbersome; Less points can be exchanged for gifts.