What are the conditions for Handan Bank to apply for a credit card?

Every bank can use China Merchants Bank:

Advantages:

1. The first-year annual fee is waived, and the annual fee for the next year is waived after six brushes;

2. The SMS service is free;

3. The loss reporting fee is 60 yuan;

4. The points gifts are better

Disadvantages:

1. The cash withdrawal fee is 3%;

2. Fewer branches

CITIC Bank:

Advantages:

1. Swiping the card once within one month after issuance will waive the first-year annual fee, and swiping the card five times will waive the annual fee for the following year;

2. SMS service is free;

3. Free shipping An accident insurance

Disadvantages:

1. High cash withdrawal fee of 3%;

2. Few outlets;

3 , the loss reporting fee is 80 yuan;

4. There are many gifts but the required points are high

Industrial Bank:

Advantages:

1. The annual fee is waived for the first year, and the annual fee for the next year is waived if you use it five times or spend 3,000;

2. It costs 50 yuan to report a loss

Disadvantages:

1. The SMS service fee is 3 yuan/month;

2. The cash withdrawal fee is 3%;

3. Few branches

Bank of Communications:

Advantages:

1. The first-year annual fee is waived. The Y-POWER card is swiped three times to waive the next year's annual fee, and other cards are swiped six times to waive the next year's annual fee;

2. The SMS service is free;

3. The cash withdrawal fee is only 1%;

4. It costs 50 yuan to report a loss;

5. Outlets More than other non-state-owned commercial banks;

6. There are more gifts that can be redeemed with points

Disadvantages: I haven’t seen it yet, but the overall evaluation given by colleagues who use Bank of Communications credit cards is General

Guangfa Bank:

Advantages:

1. The annual fee for the first year is waived, and the annual fee for the next year is waived for six times;

2. There is no handling fee for claiming overpayment;

3. It only costs 3 yuan to prepare a replacement statement;

4. A copy of insurance will be sent;

5. There are discounts for applying for a card

Disadvantages:

1. The SMS service fee is 3 yuan;

2. The loss reporting fee is as high as 85 yuan;

3. Few branches

Shanghai Pudong Development Bank:

Advantages:

1. No annual fee for the first year;

2. No SMS service fee;

3. No handling fee for reporting loss;

4. No handling fee for overpayment recovery

Disadvantages:

1. The annual fee for the following year will be exempted based on the card swiping record and repayment record;

2. The handling fee for replacing a damaged card is 80 yuan;

3. The cash withdrawal fee is 3%;

4. Few branches

Shenzhen Development Bank:

Advantages:

1. No annual fee for the first year;

2. Cash withdrawal fee 1%;

3. Loss reporting fee 50 yuan;

4. Replacement statement The handling fee is only 2 yuan

Disadvantages:

1. Points can only be exchanged for the next annual fee. Some credit cards can only be redeemed for the next annual fee by swiping 12 times in the first year;

2. Few branches

Minsheng Bank:

Advantages:

1. No annual fee for the first year;

2. No handling fee for cash withdrawal;

3. No handling fee for overpayment and refund;

4. Complimentary aviation accident insurance and discounted car on-site emergency assistance service

Disadvantages:

1. Most credit cards need to be swiped 8 times to be exempt from the annual fee for the next year, and some require a 160 yuan production fee;

2. SMS service fee is 3 yuan ;

3. The handling fee for reporting a loss is 80 yuan;

4. Few branches

China 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 waived if you swipe it three times;

2. The cash withdrawal fee is 1%;

3. No SMS service fee;

4. It costs 50 yuan to report a loss

Disadvantages:

1. Some cards only waive the first-year annual fee, while some cards require a first-year annual fee;

2. Few branches

The four major state-owned commercial banks:

China Construction Bank:

Advantages:

1. The annual fee is waived for the first year, and the annual fee for the next year is waived for three purchases;

2. The SMS service is free;

3. The cash withdrawal fee is only 0.5%;

4. The loss reporting fee is 50 yuan;

5. Directly targeted at car owners Credit card can be easily applied for as long as the car has a displacement of 1.4 or above.

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

Bank of China:

Advantages:

1. Free of charge for the first year

2. Free SMS service;

3. Cash withdrawal fee is only 1%;

4. Report loss The handling fee is only 40 yuan

Disadvantages: high points required to exchange gifts, few types of gifts

ICBC:

Advantages:

1. If you swipe your American Express card 5 times a year or spend 5,000 yuan, the annual fee will be waived, or you can exchange 2,000 points for the annual annual fee of a RMB card;

2. Cash withdrawal fees are free;

3. There is no handling fee for overpayment redemption;

4. It only costs 20 yuan to report a loss;

5. Many outlets

Disadvantages:

1. The SMS service fee is 2 yuan/month;

2. The points required to redeem gifts are high and the types of gifts are small

Agricultural Bank of China:

Advantages:

1. No annual fee for the first year, and no annual fee for the next year after five transactions;

2. Free SMS service;

3. Cash withdrawal procedures The fee is only 1%;