Bank of Communications and China Construction Bank are listed as two of the top five state-owned banks respectively. In terms of capital, CCB is stronger and Bank of Communications is worse. In terms of service, Bank of Communications is very good. Compared with Bank of Communications, CCB is not as good as Bank of Communications (reason: low status naturally requires good service to win customers). Compared with the credit cards of the two banks, Bank of Communications has greater advantages.

CCB Credit Card:

Advantages: The cash withdrawal fee is low, accounting for 0.5% of the transaction amount, the lowest 2 yuan charge, the local overflow deposit is free of charge, there are many outlets, it is convenient, and the installment fee rate is average (middle reaches).

Disadvantages: there are basically no activities, but there are all the basic functions of credit cards, no special offers, and the amount of approval is relatively small.

Others: the interest-free period is 20-5 1 day.

Bank of Communications Credit Card:

Advantages: There are many preferential merchants, and the Bank of Communications has many cooperative merchants (mainly entertainment, catering and supermarkets) all over the country, so you can enjoy discounts and concessions with the Bank of Communications card. There are many activities, and some cash back activities are carried out regularly, and some special preferential activities are developed with cooperative merchants; There are many types of cards, and different types of cards have special discounts. The installment fee rate is 0.72%, which is generally high.

Disadvantages: the withdrawal fee is higher (compared with CCB), accounting for 1% of the transaction amount, and the minimum withdrawal fee is 10 yuan (the withdrawal fee for the youth card is 5 yuan per transaction, which is an advantage).

Others: Interest-free period is 25-56 days.

If you don't understand, please ask. If you are satisfied, please adopt it.