1. Bank of China Credit Card

Advantages: Bank of China has many branches. The first-year annual fee is waived for swiping the credit card, and the annual fee for the next year is waived for swiping the credit card 5 times; there are SMS reminders and the SMS service is free ; The points obtained by swiping the card are valuable; there are many preferential activities.

Disadvantages: The threshold for applying for a card is high; you can only apply for a limit increase twice a year, and the limit may not be increased; you attach great importance to deposits; supplementary cards need to be repaid separately.

2. Agricultural Bank of China Credit Card

Advantages: Agricultural Bank of China has many branches and the application threshold is not high. To apply for a credit card online, applicants only need to have a fixed job, working time for more than half a year, and an income Medium; no annual fee for the first year when swiping a credit card, and no annual fee for the next year if swiped 5 times; SMS service is free; cash withdrawal fees are low; the interest-free period can be up to 56 days; the repayment method is convenient and can support automatic deduction according to the agreement; repayment Provide professional business travel services to credit card customers.

Disadvantages: There are few types of credit cards and the limits of mid- and low-end credit cards are generally not high; there are few points that can be redeemed for gifts; the income certificates of civil servants and public institutions are fully recognized, but for listed companies, it depends on the situation, and other companies basically not recognized.

3. ICBC Credit Card

Advantages: ICBC has the most business outlets, with more than 30,000 outlets and self-service points across the country, making it convenient to handle business; supports cardless cash withdrawals; unlimited online payments; cash withdrawals There is no interest for repayment on the same day; there is no handling fee for cash withdrawal of overpayment.

It is the first in China to cancel the full penalty interest; the installment fee is low, which is only about 0.3 per installment; the online banking function is powerful: POS password input limit, overseas card-less payment, real-time foreign exchange purchase, self-service Channel transfer functions, etc. can be freely switched on and off through online banking; the minimum handling fee for reporting a loss or replacing a card is 20 yuan.

Disadvantages: The application threshold is too high and the quota is too low; the bank does not have an 800 number, and the 400 number is not open to individual users; the SMS service fee is 2 yuan/month; the points required to redeem gifts are high, and there are few types of gifts.

4. China Construction Bank Credit Card

Advantages: CCB has many business branches; first-year annual fee is waived, and the annual fee for the next year is waived if you swipe it three times; SMS service is free; similar to other state-owned banks Compared with other banks, the application threshold is lower; the cash withdrawal fee of 0.5 is relatively low compared to other banks, and overdraft cash withdrawal supports minimum repayment; credit card installment payment does not occupy the limit; there are credit cards directly targeted at car owners, as long as they have a car with an engine capacity of 1.4 or more Apply for a card easily.

Disadvantages: The limit is generally low and the limit increase is slow; each card needs to be repaid separately, and the total consumption of all cards will not be automatically calculated; the interest-free period is short, and the gifts that points can be exchanged for are few and poor. .

Extended information:

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank.

After the customer fills in the application form truthfully, he or she must also submit relevant credit certificates while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.