Take stock of the advantages and disadvantages of credit cards of CCB, ICBC and ABC around you.

Generally, there are many people who use CCB cards, ABC cards and ICBC cards, so I mainly compare the advantages and disadvantages of the following banks.

Advantages of China Construction Bank

: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after three swipes;

2. SMS service is free;

3. The cash withdrawal fee is only .5%;

4. 5 yuan for loss reporting;

5. There is a credit card directly aimed at car owners, as long as there are cars with a displacement of more than 1.4, it can be easily handled.

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

China Bank

Advantages: 1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swipes;

2. SMS service is free;

3. The cash withdrawal fee is only 1%;

4. The loss reporting fee is only for 4 yuan

Disadvantages: the points required for gift exchange are high, and there are few types of gifts

Advantages of Agricultural Bank of China

1. Free of the annual fee for the first year, and free of the annual fee for the next year after five swiping;

2. SMS service is free;

3. The cash withdrawal fee is only 1%;

4. The loss reporting fee is only in 5 yuan;

5. There are many outlets

Disadvantages: 1. There are few types of credit cards;

2. The card processing procedure is relatively cumbersome;

3. Less points for redeemable gifts

Advantages of ICBC

1. The American Express card is swiped 5 times a year, or the annual fee of the current year is exempted when spending 5, yuan, or the annual fee of RMB ordinary card is exchanged for 2, points;

2. Cash withdrawal fee is free;

3. The overpayment will be recovered free of charge;

4. Only 2 yuan is needed to report the loss;

5. There are many outlets

Disadvantages: 1. SMS service fee is 2 yuan/month;

2. The points required to exchange gifts are high, and there are few types of gifts

Advantages of China Merchants Bank

1. Free of the annual fee for the first year, and free of the annual fee for the next year after six swipes;

2. SMS service is free;

3. 6 yuan for loss reporting;

4. The integral gift is better

Disadvantages: 1. The cash withdrawal fee is 3%;