each bank's credit card has its own functions and characteristics, and of course it also has its own shortcomings, depending on individual needs.

1. Bank of Communications Pacific Credit Card is a credit card issued by Bank of Communications, which has three basic functions: credit consumption, cash advance and transfer settlement. It is a real credit card, which supports consumption first and repayment later.

Second, the advantages and disadvantages are as follows:

Advantages:

1. The application threshold is low and the withdrawal amount is fast;

2, 56 days long interest-free period;

3. You can withdraw 1% cash;

4. YP card can be fully withdrawn; Undergraduate students directly approve 5 quotas;

5. AliPay is supported and the online payment limit is high (1, yuan).

Disadvantages:

1. Staging operation is complicated;

2. Each card needs to be repaid separately, and the total consumption of all cards will not be automatically counted;

3. The integral is not permanently valid;

4. SMS charges. You can pay 48 yuan a year without worrying about using your card, so you dare to pay a small annual fee.

5. Repayment is not very convenient;

6. YP card points are accounted independently and cannot be exchanged for mileage.