China Construction Bank: Advantages: 1, free of annual fee in the first year, and free of annual fee in the following year after three swipes; 2. SMS service is free; 3. The withdrawal fee is only 0.5%; 4. Report the loss of 50 yuan; 5. There is a kind of credit card that is directly for car owners. As long as there is a car with a displacement above 1.4, it can be easily processed. Disadvantages: points can be exchanged for less and worse gifts.

Bank of China: Advantages: 1, free of annual fee in the first year, free of annual fee in the following year after five swipes; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. The loss reporting fee is only 40 yuan. Disadvantages: changing gifts requires high points and few types of gifts.

ICBC: Advantages: 1. American Express card swipes the card five times a year, or the annual fee of the current year is exempted when the consumption reaches 5,000 yuan, or the annual fee of RMB ordinary card is exchanged for 2000 points; 2. The withdrawal fee is free; 3. The overpayment will be recovered free of charge; 4. Only 20 yuan is needed to report the loss; 5. There are many shortcomings in the outlets: 1, and the SMS service fee is 2 yuan/month; 2. The points needed to exchange gifts are high, and there are few kinds of gifts.

Agricultural Bank: Advantages: 1, free of annual fee in the first year, and free of annual fee in the second year after five swipes; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. The loss reporting fee is only in 50 yuan; 5. Disadvantages of more outlets: 1, fewer types of credit cards; 2. The card processing procedure is relatively complicated; 3. Less points can be exchanged for gifts.

China Merchants Bank: Advantages: 1, free of annual fee in the first year, free of annual fee in the following year after six swipes; 2. SMS service is free; 3. Report the loss of 60 yuan; 4. Disadvantages of better bonus gifts: 1, 3% high withdrawal fee; 2. Less exports

China CITIC Bank: Advantages: 1, free of annual fee for the first year within one month after issuing the card, and free of annual fee for the next year after swiping the card five times; 2. SMS service is free; 3. Send an accident insurance. Disadvantages: 1, withdrawal fee of 3%; 2. Less outlets; 3. The loss reporting fee is high in 80 yuan; 4. Industrial Bank with many gifts but high points: Advantages: 1, free of the annual fee for the first year, free of the annual fee for the next year if you spend five times or spend more than 3,000 yuan; 2. 50 yuan is needed to report the loss. Disadvantages: 1, SMS service fee 3 yuan/month; 2. Withdrawal fee of 3%; 3. Less exports

Bank of Communications: Advantages: 1, free of annual fee in the first year, free of annual fee for Y power card for three times, and free of annual fee for other cards for six times; 2. SMS service is free; 3. The withdrawal fee is only1%; 4. 50 yuan is required to report the loss; 5. There are more outlets than other non-state-owned commercial banks; 6. There are many gifts that can be redeemed for points. Disadvantages: I haven't seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average.

Guangfa Bank: Advantages: 1, free of annual fee in the first year, and free of annual fee in the following year after six swipes; 2. The overpayment will be recovered free of charge; 3. Only 3 yuan is needed to make up the statement; 4. Send a copy of the insurance; 5. There are advantages and disadvantages in handling the card: 1, and the SMS service fee needs 3 yuan; 2. The loss reporting fee is high in 85 yuan; 3. Less exports

Shanghai Pudong Development Bank: Advantages: 1, free of annual fee in the first year; 2. Free SMS service fee; 3. No loss reporting fee; 4. Disadvantages of not paying the recovery fee more: 1, and the annual fee for the following year is determined according to the credit card record and repayment record; 2. The card replacement fee is high in 80 yuan; 3. Withdrawal fee of 3%; 4. Less exports

SDB: Advantages: 1, free of annual fee in the first year; 2. Withdrawal fee1%; 3. Report the loss of 50 yuan; 4. You only need 2 yuan to make up the bill handling fee. Disadvantages: 1, only points can be redeemed for the annual fee of the following year, and some credit cards can only be redeemed for the annual fee of the following year by swiping 12 times in the first year; 2. Less exports

Minsheng Bank: Advantages: 1, free of annual fee in the first year; 2. Free cash withdrawal fee; 3. Don't pay back the handling fee; 4. Disadvantages of the automobile on-site emergency rescue service that delivers aviation accident insurance and provides discounts: 1, most credit cards need to be swiped 8 times to avoid the annual fee of the following year, and some need to pay 160 yuan; 2. SMS service fee 3 yuan; 3. The loss reporting fee requires 80 yuan; 4. Less exports

Everbright Bank: Advantages: 1, some cards are exempt from the annual fee for the first year, and the annual fee for the next year is exempted after three swipes; 2. Withdrawal fee1%; 3. Free SMS service fee; 4. 50 yuan is needed to report the loss. Disadvantages: 1 Some cards are only exempt from the annual fee for the first year, and some cards have to pay the annual fee for the first year; 2. Less exports