The credit card application process is free. The formal application process does not require any handling fees. Now major banks are striving for more credit card market share and there is no charge for applying for a credit card. \x0d\\x0d\Comprehensive inventory of credit cards from various banks around you\x0d\\x0d\Four major state-owned commercial banks: \x0d\China Construction Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year, no fee for three purchases Annual fee for the following year; \x0d\2. SMS service is free; \x0d\3. Cash withdrawal fee is only 0.5%; \x0d\4. Handling fee for reporting loss is 50 yuan; \x0d\5. There are credit cards directly targeted at car owners. As long as there is a car with a displacement of 1.4 or above, you can easily apply for the card.

\x0d\Disadvantages: The gifts that points can be exchanged for are few and poor\x0d\\x0d\Bank of China: \x0d\Advantages: \x0d\1. No annual fee for the first year, and no annual fee for the next year if you use it five times; \x0d \2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 1%; \x0d\4. The loss reporting fee is only 40 yuan\x0d\ Disadvantages: high points are required to exchange gifts, and there are few types of gifts\x0d\\x0d \Industrial and Commercial Bank of China: \x0d\Advantages: \x0d\1. The annual fee for the year is waived if you swipe the American Express card 5 times a year or spend 5,000 yuan, or exchange 2,000 points for the annual annual fee for RMB ordinary cards; \x0d\2. Cash withdrawal fee Free; \x0d\3. No handling fee for overpayment redemption; \x0d\4. Reporting loss only costs 20 yuan; \x0d\5. Many outlets\x0d\Disadvantages: \x0d\1. SMS service fee is 2 yuan/ Month; \x0d\2. The points required to redeem gifts are high and there are few types of gifts\x0d\\x0d\Agricultural Bank of China: \x0d\Advantages: \x0d\1. No annual fee for the first year, and no annual fee for the next year after five purchases. ; \x0d\2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 1%; \x0d\4. The loss reporting fee is only 50 yuan; \x0d\5. There are many outlets\x0d\ Disadvantages: 1. Credit card There are few types; 2. The card application procedures are relatively cumbersome; 3. Few points can be redeemed for gifts\x0d\\x0d\China Merchants Bank: \x0d\Advantages: \x0d\1. The annual fee is waived for the first year, and the annual fee is waived after six purchases. \x0d\2. Free SMS service; \x0d\3. Handling fee for reporting loss is 60 yuan; \x0d\4. Points gifts are good\x0d\Disadvantages: \x0d\1. High cash withdrawal fee of 3%; \x0d\4. x0d\2. Fewer branches\x0d\\x0d\CITIC Bank: \x0d\Advantages: \x0d\1. Swipe the card once within one month after issuance to waive the first-year annual fee, and swipe the card five times to waive the annual fee for the next year; \x0d \2. Free SMS service; \x0d\3. Free accident insurance\x0d\ Disadvantages: \x0d\1. High cash withdrawal fee of 3%; \x0d\2. Few outlets; \x0d\3. Loss report procedure The higher fee is 80 yuan; \x0d\4. There are many gifts but the required points are higher\x0d\\x0d\Industrial Bank: \x0d\Advantages: \x0d\1. No annual fee for the first year, swipe five times or spend 3,000 The annual fee for the next year is waived; \x0d\2. It costs 50 yuan to report a loss\x0d\Disadvantages: \x0d\1. The SMS service fee is 3 yuan/month; \x0d\2. The cash withdrawal fee is 3%; \x0d\3 , Fewer branches\x0d\\x0d\Bank of Communications: \x0d\Advantages: \x0d\1. No annual fee for the first year, swiping the Y-POWER card three times will waive the annual fee for the next year, and swiping other cards six times will waive the annual fee for the next year. ; \x0d\2. The SMS service is free; \x0d\3. The cash withdrawal fee is only 1%; \x0d\4. It costs 50 yuan to report a loss; \x0d\5. There are more branches than other non-state-owned commercial banks; \x0d\ 6. There are many gifts that can be exchanged for points\x0d\Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is average\x0d\Guangfa Bank: \x0d\Advantages: \x0d\1. No down payment required. Annual fee is waived for the next year if you pay six times; \x0d\2. No handling fee for overpayment retrieval; \x0d\3. Only 3 yuan to make a replacement statement; \x0d\4. Free insurance \x0d\5. There are discounts for applying for the card\x0d\ Disadvantages: \x0d\1. The SMS service fee is 3 yuan; \x0d\2. The high handling fee for reporting loss is 85 yuan; \x0d\3. Few outlets\x0d \\x0d\ Shanghai Pudong Development Bank: \x0d\ Advantages: \x0d\1. No annual fee for the first year; \x0d\2. No SMS service fee; \x0d\3. No handling fee for reporting loss; \x0d\4. No overflow fee Payment recovery handling fee\x0d\Disadvantages: \x0d\1. The annual fee for the following year will be exempted based on the card swiping record and repayment record; \x0d\2. The handling fee for replacing a damaged card is 80 yuan; \x0d\ 3. The cash withdrawal fee is 3%; \x0d\4. Few branches\x0d\Shenzhen Development Bank: \x0d\ Advantages: \x0d\1. No annual fee for the first year; \x0d\2. The cash withdrawal fee is 1% ; \x0d\3. The loss reporting fee is 50 yuan; \x

0d\4. The handling fee for making a replacement statement is only 2 yuan\x0d\Disadvantages: \x0d\1. Points can only be exchanged for the next year's annual fee. Some credit cards can only be redeemed for the next year's annual fee by swiping 12 times in the first year; \x0d\ x0d\2. Few branches\x0d\\x0d\Minsheng Bank: \x0d\Advantages: \x0d\1. No first-year annual fee; \x0d\2. No cash withdrawal fees; \x0d\3. No overpayment Get back the handling fee; \x0d\4. Free aviation accident insurance and provide discounted car on-site emergency assistance service\x0d\Disadvantages: \x0d\1. Most credit cards need to be swiped 8 times to be exempted from the annual fee for the next year, and some require 160 RMB production cost; \x0d\2. SMS service fee is RMB 3; \x0d\3. Loss report handling fee is RMB 80; \x0d\4. Few branches\x0d\ Everbright Bank: \x0d\ Advantages: \x0d\1. Some cards are free of annual fees for the first year, and swiping three times is free of annual fees for the next year; \x0d\2. Cash withdrawal fee is 1%; \x0d\3. No SMS service fee; \x0d\4. It costs 50 yuan to report a loss\x0d\ Disadvantages : \x0d\1. Some cards only waive the first-year annual fee, while some cards require a first-year annual fee; \x0d\2. Few outlets